current bank account for life in Germany

Current Bank Account

With Expatrio and Monese you can open German current bank account (Girokonto) online just in a few clicks.

Moving to Germany can be a bureaucratic process, usually opening a current bank account is something you have to do as soon as you get to the country. But Expatrio and Monese make it possible for you to open it before your arrival and only activate it when you are in Germany. Benefit from Expatrio's fast, cheap and secure digital solutions for your relocation. Choose Monese as your banking provider in Germany and enjoy the flexibility that other banks lack.

Open your bank account

Expatrio is here to help you with your current account

Step 1

Apply for the current account in our website by answering a few personal questions

Step 2

Receive our confirmation and open the bank account

Step 3

Activate the account when you arrive in Germany

Important to know

After your account activation, you don't need to send us anything! We'll pay out the monthly disbursements automatically.

How to open your bank current account with Monese?

The current account provider, Monese, accepts virtually every customer that applies to have a current account with them. The company is available to people living in the European Economic Area (EEA) and requires none of the usual papers that most banks ask to open current accounts. 

That means that you don't need a local proof-of-address and proof of credit history. Plus, you don't need to go anywhere in person to open your current account. 

Check out how to get your Monese current bank account

Step 1

Download Monese mobile app on your smartphone

Step 2

When asked for an invite code, please input the code “XPSTUD19”

Step 3

When Monese confirms your identity, your account will be ready but frozen.

Step 4

Activate your account when you arrive in Germany

Step 5

You will receive your debit card

Important to know about Monese

  • Monese's confirmation of ID is simple: use your smartphone's camera to take selfie with an ID document (preferably a passport or ID card)
  • You do not need a minimum cash in your account to open it 
  • Monese charges no hidden fees
  • Monese’s Mastercard bank card supports Google and Apple Pay

More about Monese

Monese is one of the most popular and trusted banking services in the UK and Europe. Launched in 2015 as the first 100% mobile current account in the UK, Monese offers banking service accessible to everyone. People from all over Europe can open a current account in minutes, free from the hidden fees and restrictions that legacy banks impose. In 2016, Monese was awarded the Best Challenger-Bank by the European Fintech Awards. Two years later, the company was named one of ten Disruptors to Watch by The Sunday Times.

Monese logo


Do I need a German Current Account?

You will need a German Current Account in order to receive monthly transfers from your Blocked Account. To clarify, the Current Account is different from the Blocked Account.

How to open a Current Account in Germany?

You can open a Current Account in any of the local branches of any German bank by coming there in person after your arrival and requesting to open a “Girokonto”. Alternatively, you can use the special offer from Expatrio and open the Current Account already abroad, completely online at the digital bank Monese.

How can Expatrio help to open a German Current Account?

Expatrio has a special partnership with the digital bank Monese. That allows Expatrio to provide our customers the opportunity to create a German Current Bank Account in advance, from abroad and without the need to submit many documents required by “traditional” banks.

Which Current Account should I use to receive my funds from Blocked Account?

We offer you the opportunity to open Monese Current Account simultaneously with your Blocked Account, so that no extra application and verification is needed. However, you are free to choose another bank. You can use any Current Account from a German bank in order to receive monthly disbursements from Blocked Account.

What is Monese and why should I use it?

Monese is a digital bank that allows creating a Euro account online and doesn’t require any special documents, such as local registration, application form or SCHUFA credit rating, to open a bank account. With Monese and Expatrio you can create German Current Account in advance and come to Germany prepared.