Banking in Hamburg for newcomers
N26, Revolut, DKB, Commerzbank, Deutsche Bank, Haspa — which Girokonto to open in Hamburg.
Last updated: 2026-04-20· Next review: 2026-07-20 (past due)
Hamburg · Banking
Banking in Hamburg for newcomers
N26, Revolut, DKB, Commerzbank, Deutsche Bank, Haspa — which Girokonto to open in Hamburg.
Hamburg's local bank is Haspa (Hamburger Sparkasse) — dominant in branches, German-first. Expats usually open N26 + one branch bank on the side.
The shortlist
| Bank | English app | Girokonto fee | Notes |
|---|---|---|---|
| N26 | [unformattable: HAMBURG.banking.0.englishApp] | €0 | Digital-first |
| Revolut | [unformattable: HAMBURG.banking.1.englishApp] | €0 | Multi-currency |
| DKB | [unformattable: HAMBURG.banking.2.englishApp] | €0 | Global ATM refunds |
| Commerzbank | [unformattable: HAMBURG.banking.3.englishApp] | €12.9 | Alsterhaus branch |
| Deutsche Bank | [unformattable: HAMBURG.banking.4.englishApp] | €11.9 | Jungfernstieg HQ-area |
| Haspa (Hamburger Sparkasse) | [unformattable: HAMBURG.banking.5.englishApp] | €9.9 | Dominant local bank; German-first |
Which to pick
- Fastest → N26.
- Branches + English → Commerzbank Jungfernstieg, Deutsche Bank Alsterhaus.
- Free global ATM → DKB.
- "Local" feel → Haspa.
Setup pattern
- Neobank immediately (passport + phone).
- Branch bank after Anmeldung if employer prefers.
For remittance, see remittance comparison.
Not financial or tax advice. Numbers on this page are general estimates based on public rates and are not binding. GermanDost is not a tax adviser, investment adviser, or licensed financial services provider (§1 KWG does not apply). Always verify your specific situation with a licensed Steuerberater or financial adviser before filing taxes or making investments.
Last updated: 2026-04-20