German for banking
Useful German for bank accounts, cards, transfers, online banking, and in-person appointments at the bank.
Keep ID and address details ready
For accounts, cards, or identity checks, you will almost always be asked for your ID and address.
Ask about fees
A lot of confusion comes from account fees, card charges, or international transfers.
Do not sign blindly
Always ask for a short explanation or a bit of time if you do not fully understand a contract.
Ask them to write down key terms
For IBAN, BIC, fees, or product names, it often helps if the person writes them down briefly.
Opening an account
You want to open a new current account.
I would like to open an account. Which documents do you need for that?
Are there monthly fees?
A card is blocked or lost
You need quick help with your card.
My bank card is no longer working. Could you please check?
I think I need to have the card blocked.
Getting help with a transfer
You want to make a transfer but you are not sure how.
I would like to make a transfer. Could you explain it briefly to me?
How long does it take until the money arrives?
Comparing fees
You want to understand whether an account is worth it for you.
What is the difference between this account and the cheaper option?
Which services are included in the price?
How do I ask which documents I need for an account?
A direct sentence is: Which documents do you need exactly to open the account?
How do I ask about account fees?
Ask: How high are the monthly fees, and what is included with the account?
How do I ask for a simple explanation of online banking?
Say: Could you please show me step by step how online banking works?
What do I need to open a Girokonto when I am new to Germany?
Most banks require a valid passport or national ID card, a Meldebescheinigung (proof of registration at the Einwohnermeldeamt), and sometimes proof of income. Some direct banks allow the account to be opened entirely online via a video identification process, without needing to visit a branch.
How can I have my card blocked immediately if I have lost it?
Call the card-blocking number 116 116 or your bank immediately. Most supported debit and credit cards can be blocked through 116 116, but not every issuer participates. Use the issuer’s blocking number if necessary. Many banks also allow blocking in their app. If the card was stolen, also report it to the police.
What is the difference between a Dauerauftrag and a Lastschrift, and when do I use which?
With a Dauerauftrag you set a fixed amount yourself that is debited from your account at regular intervals — for example the monthly rent. With a Lastschrift you authorise a creditor to collect varying amounts directly from your account — typical for electricity or mobile phone bills. With a Lastschrift you have the right to reverse the debit within eight weeks without giving a reason.
Related Verbs
Open verb collectionsRelated Topics
These texts are for language learning and general orientation only and may be simplified or out of date — they are not legal, financial, medical, or tax advice. Some content is AI-generated. Please confirm important details with the responsible authority or a qualified professional.