Banking & Finance
Steuer-ID arrives 2–4 weeks after AnmeldungYou'll need a German bank account (with an IBAN) for rent, salary and insurance. Many non-EU students also need a blocked account (Sperrkonto) to prove they can fund their studies. Your tax ID arrives automatically after you register.
- 1
Open and fund a blocked account (if required)
Done before your visa application through providers like Expatrio, Fintiba or Coracle. You deposit the yearly amount and can withdraw a fixed monthly sum in Germany.
- 2
Open a current account (Girokonto)
Online banks can be opened with just your passport; branch banks often ask for your Meldebescheinigung. Many offer free accounts for students.
- 3
Activate blocked-account payouts
Link your new German IBAN to the blocked account so your monthly amount is transferred automatically.
- 4
Wait for your Steuer-ID
The Federal Central Tax Office posts your 11-digit tax ID to your registered address. Your employer needs it for payroll.
- 5
Understand your payslip
Minijobs have a monthly earnings cap and no tax deducted for you; student jobs (Werkstudent) are limited to about 20 hours a week during the semester.
Last reviewed September 2026. Requirements can vary by city, authority and individual situation. Always verify with the relevant office — this guide is general information, not legal advice.