Ce detalii am nevoie pentru un transfer in lei? Cum procedez pentru blocarea unui card? Avem trei setari pentru cookie-uri: cookies de functionalitate sunt obligatorii, nu se pot dezactiva cookies de analiza exemplu: Google Analytics, Adwords, Visual Optimizer etc.

Inchide Salveaza setari cookie. Spain , you use the Visa Card to withdraw free of charge. In the abroad with foreign currency e. Switzerland , you use the Visa Card up to a converted amount of Euros , and for withdrawals beyond this limit you should use the Girocard.

Background is the fee structure for foreign currencies. The withdrawal itself is free of charge with the Visa Card, however, there is a fee for the currency exchange of 1.

Who wants, can apply for the overdraft facility right after the account opening can also be made at any time later — if the application on overdraft facility should be rejected first, one has a new chance after every 6 months.

Interestingly, one gets an overdraft facility granted immediately at the ING-DiBa — provided an appropriate creditworthiness. One does not have to wait several months, as usual in some other banks, until the salary payments are credited to the account.

Thus, you can have a correspondingly large overdraft facility at two banks! However, and this is understandable, the bank wants to see how much money you earn.

At an application for the overdraft facility, one submits a copy of the latest pay slip. Whether you apply for the overdraft facility right at account opening or save the option for later is entirely your decision.

Since the 28th of January , I have my own free current account and the two cards of the bank. Even if I do not use the account regularly due to other banks that I present on our special portal back then, I have set it up as an emergency account , I or my team are glad to answer your questions about the account opening and use via the comments box.

Moreover, I have created a step-by-step instruction here for you, so that you can apply for the account easier. Of course, I would be especially thankful for support by dedicated readers and account holders.

Thank you for being with DeutschesKonto. My partner and I have a joint bank and investing account. Then, only the amount beyond that will be subject to Kapitalertragssteuer.

If that is the case, and there actually is still Kapitalertragssteuer to pay, the bank will automatically forward it to the tax authorities. Does this capital tax mean that I should only have maximum of euro in my account to be exempted in paying the tax?

I am sorry I dont quite get it clear. During the legitimization process the bank employee will gladly switch into some English language, if you prefer that.

However, they will speak some German with you to see, if you have some basic German knowledge — because how else could one be able to use the bank, if one does not understand them?

Money on that giro account does not accumulate any interest. ING-DiBa offers additionally a savings account with interest. It is called Extra-Konto.

Thanks for your reply. Ing-Diba account opening difficult as a foreigner without an Aufenthaltstitel. Account opening process still requires hard-copy and is lengthy, application form mentions a Schufa check even if not requesting a credit facility.

Is there a possibility of opening a salary account or simply an account for salary crediting process? They only open bank accounts for people living in Germany.

Some further advice: There are special providers that offer the possibility to open an account while you are still abroad, and you can even transfer money to that new account.

It will only be activated for full use, once the legitimization process after your arrival in Germany has been performed. Such services are naturally not free of charge.

Since ING-DiBa does not have local branches where you could exchange your money into a different currency, your best option for that would one of the regular exchange services at airports and large railway stations.

You do not need to be a customer there. I have question, as an international student is it possible to open an account with ING-DiBa even though all services are in German?

That means, in order to do the online banking, you at least have to have a rudimentary knowledge of the respective vocabulary.

When it comes to customer service and you call within general business hours, you have a good chance that there is someone available who speaks English and might be able to at least answer some general qustions.

What they cannot do though — for legal reasons — is conduct any kind of actual banking procedures e. I am currently waiting for the cards,etc.

During the account opening process, they have offered a euro overdraft or credit line? I was not even requested at any stage to present a copy of my pay slips.

The question is can I request to increase this overdraft or credit line? My net monthly salary is slightly superior to this amount.

I would advise to give them a call after a couple of months, after the account has had a bit of time to develop, and ask about your possibilities.

I come from a non-EU country and have been living in Germany for almost 5 years now. I have my primary account with Commerzbank.

I have my secondary account along with a Securities account Depotkonto at Consorsbank. A week later, I happened to request a Schufa report as part of my apartment hunt and found my Schufa score to be pretty impressive and no negative entries.

Deutsche Post treats us Non-EU citizens like shit. Luckily, ING offered me an alternative solution to complete this step.

Can you please let me know what is that alternative solution to the PostIdent being a foreigner? Because I am in same boat as you were.

Thanks you. I called up the Customer Care and explained the situation. Within the next couple of days, I received a letter with an alternative solution.

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The potential benefits include: the ability to centralise incoming and outgoing transactions and achieve cash concentration;straight through reconciliation; and reduced manual post-processing of unmatched items.

Since physical account structures can be rationalised and no balance is held on a VBA as funds are directly routed to the master account , bank account costs and administration can also be significantly reduced.

A common misconception about VBAs is the type of company that they stand to benefit. Another common myth surrounding VBAs is that they cannot be used on a cross-border basis.

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