Business Accounts in Germany
Geschäftskonten for a GmbH, UG, Einzelunternehmen or freelance practice registered in Germany, from the branch and cooperative banks to the direct banks and the German fintechs that only onboard German businesses. A German IBAN still helps: tax offices, payroll providers and some suppliers handle DE numbers more smoothly than a foreign SEPA one. Compare the monthly fee against included bookings, the cost and speed of a Kapitaleinzahlungskonto when you incorporate, DATEV or Lexware export, and whether deposits sit under German bank protection or an e-money licence. Accounts sold across the EU are grouped by product elsewhere on the site. Order here follows reader demand and provider reach.
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The largest banking network in Germany, spanning 520 regional savings banks and 16,500 branches. Offers customized business accounts with local expertise and full payment processing for every German legal form.
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A network of 646 independent cooperative banks owned by their members. The Geschäftskonto emphasizes personal service and shared decision-making, with local branches handling credit approvals and pricing independently.
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Germany's largest bank offering three tiered business accounts from entry-level to premium, with access to comprehensive corporate banking services, financing, and an extensive branch and ATM network.
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A digital business banking platform founded and operated by Deutsche Bank AG for freelancers and entrepreneurs. Offers tiered accounts with DATEV integration, sub-accounts for team management, and full German bank deposit protection up to 438,000 euros.
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A fully digital business account from Germany's largest retail bank, launched in September 2024 for freelancers, self-employed professionals, and founders. Includes a VISA debit card, invoice management, and six months free for freelancers.
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A major German bank offering three tiered business accounts designed for freelancers, small businesses, and entrepreneurs, with optional savings products earning up to 2.75% interest.
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Germany's largest sustainable bank, founded in 1974 and operating as a cooperative. The Geschäftskonto is tailored for companies, freelancers, and nonprofits aligned with environmental and social values, with transparent impact reporting on funded projects.
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A digital direct bank launched in 1990 that focuses on business lending for specific sectors. The DKB-Business account is limited to freelancers and liberal professions, not to GmbH or UG companies, with a flat €15 monthly fee and free card withdrawals globally.
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A fully regulated German bank with mobile-first business accounts designed for freelancers and small businesses across Europe. Free tier available, with premium options adding sub-accounts, cashback, and cards.
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A European fintech business account with tiered pricing, unlimited German IBANs, cashback rewards up to 10%, and integrations with German accounting platforms. Regulated payment services through Vivid Money S.A. in Luxembourg.
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A platform for German freelancers and sole proprietors that combines basic banking through the licensed partner Solaris with integrated tax estimation, automatically setting aside income tax and VAT as money arrives.
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A German electronic money institution offering prepaid business accounts without SCHUFA checks or credit requirements. Licensed by BaFin and managed on a debit basis, designed for founders and self-employed people who cannot open accounts at traditional banks.
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A retail-focused German bank offering three tiered business accounts with temporarily free pricing and per-transaction fees, backed by Deutsche Bank's regulatory infrastructure.
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A German bank founded in 1926 with approximately 340 physical branches, offering tiered business accounts (Plus, Komfort, Premium) tailored to freelancers and small businesses with promotional account setup waiver.