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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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 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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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 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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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 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 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 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 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.
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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 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 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.
Frequently asked questions
Which business accounts are suitable for a GmbH or UG?
Most listed options offer accounts for various legal forms, but some providers like DKB Business are limited to freelancers and liberal professions and don't support GmbH or UG companies. You should check the specific tier requirements for companies like Deutsche Bank or Commerzbank if you're setting up a formal corporation.
Do I need an account with a physical branch network?
If you prefer face-to-face service, you can choose from large networks like Sparkasse, Volksbank Raiffeisenbank, or Targobank. Alternatively, many digital banks and fintechs offer mobile-first or fully digital services without physical branches.
Are there options that integrate with German accounting software?
Yes, some digital platforms like FYRST offer direct DATEV integration. Other fintech options like Vivid also provide integrations with various German accounting platforms to help manage your books.
Can I get a business account if I'm a freelancer?
Almost all the listed banks cater to freelancers, including digital-only options from ING Deutschland, N26, and DKB Business. Many of these providers offer specific tiers designed for self-employed professionals and small businesses.