Step 1: Open the online application
Step 2: Fill in your personal information below 

The address has to be the one that is indicated on your ID card.

Step 3: Fill in your tax resideny and address information

Important: The address has to be the one that is indicated on your ID card or official proof (registration certificate (Meldebescheinigung)), because at this address you will receive your bank cards. Later on, the address can be changed online.


Step 4: Fill in your employment information

You have to select “Student” or an other among the different occupations and select the area which your studies focus on.


Step 5: Add a second account holder if wished

Step 6: Agree to all terms and conditions

Read the simple translation for a better understanding of the declaration to then check all boxes.


Step 7: Check your entered information

Take a good look at each point. If they are not, please click “ändern” (change) below the needed bank account details.

Step 8: Download the filled up application form and submit

Follow the instructions of “Konto eröffnen” (open bank account)

Press the button “Antrag speichern” (save application) to open it and being able to save/print it.

After this check the box of “Kontoeröffnung bestätigen” (confirm account opening).

Lastly press eröffnen (open) to open your account with a signature (“Konto ohne Unterschrift eröffnen”) and securely submit the application online.

You will then get the last page confirming you that the application was submitted.

Step 9: Verification of your identity

You will be informed via e-mail if your online application was checked and received.

The e-mail of the DKB includes the prompt for legitimating (ID check) and proposes one or more options. Your place of residence has to be in Germany, Austria or Switzerland. Preferably you also have a passport or an ID from these 3 countries (the chances to be accepted are higher).

The common methods are the PostIdent or VideoIdent.

PostIdent

What is PostIdent?

The ‘Postident’ process is a method for a secure and personal verification of identity, which is carried out by Deutsche Post employees,  which allows you to for example open an account bank.

Working hours: Depends on the post office, normally 9:00-18:00 (monday-friday)

Required documents:

  • Print out of the account application form that was filled and submitted online
  • Valid passport (original)
  • Certificate of enrolment or employment (Immatrikulationsbescheinigung / Beschäftigungsnachweis)
  • For non-EU nationals: Residence permit + Visa (Meldebescheinigung des Einwohnermeldeamtes)

Procedure:

  1. Take all documents to a local post office near you in person. The clerk at the post office will verify if you are the person as mentioned in the application form and on your passport.
  2. Sign the documents in front of the clerk. After verification, the documents and signature, the forms are then put in an envelope and sent to the DKB headquarters for a final checking of the account.
  3. You will receive an e-mail if further documents are required. These can be sent by e-mail too. Finally you will receive a decision by e-mail if your account was opened or not.
  4. When opening the DKB account successfully, further documents will be sent to you by post in the following days.

VideoIdent

What is VideoIdent/WebIdent?

The ‘VideoIdent’ process is a method for a secure and personal verification of identity, via video chat, which allows you to for example open an account bank from home or any other country.

Working hours: 7:00-22:00 (7 days a week)

Required documents:

  • Computer, laptop, tablet or smartphone with an internal or external camera with a minimum resolution of  640×480 pixel
  • Speak German
  • Valid passport (original)
  • Stable internet connection
  • Place of residence has to be in Germany, Austria or Switzerland

Procedure:

  1. You receive your reference/security number (Referenznummer) after submitting your application
  2. Go to www.webid-solutions.de/dkb
  3. Fill in your personal information, as well as your reference number
  4. Accept the terms and conditions of the DKB
  5. Consequently a transaction number (Vorgangsnummer) is displayed
  6. Hold your ID ready and start your online verification via video-call. Name the employee your transaction number and follow his/her step by step guidance (e.g. show ID infront of the camera)
  7. Finally your receive via e-mail or SMS a TAN (transaction nummer). Insert it in the given input mask.

More information about the process can be found here in German.

If you live outside Germany, the identification form (via bank, notary, lawyer) is still partially accepted.

Step 10: You receive 7 letters of the DKB

  1. Welcome letter: It contains your account number, sort code, IBAN (International Bank Account Number) and BIC (Bank Identifier Code).
  2. PIN for internet banking: Here you will find your login name (your account number) and your PIN for internet banking which consists of 5 numbers and has to be changed when you first login into the internet banking (it must have five digits and contain at least one letter and at least one number).This can be done when receiving the third letter, because the change of PIN has to be condirmed with an iTAN (Indexed Transaction Number)
  3. iTAN list (Indexed Transaction Number): It is needed to confirm/allow your transactions. But, you can also choose between the pushTAN (push Transaction Number) and chipTAN (chip Transaction Number) instead of the iTAN.
  4. Girocard (V Pay Card): This is your normal bank card “EC card”. Detach the card from the paper and sign it on the back. The letter can then be thrown away.
  5. PIN for the Girocard: It has two pages. On the second page you need to scratch off the box under which your four-digit PIN can be found.
  6. Credit Card (Visa Card): Detach the card from the paper and sign it on the back. The letter can be eliminated.
  7. PIN for the Credit Card: It contains your PIN for your Visa Card. You need to scratch off the box under which your four-digit PIN can be found.