- Why I have choosen a DKB as example?
- Because according to the GIRODIREKT survey DKB is the test winner in 2020.
Basic fee (Grundgebühr): 0 €
Debit card (EC-Karte): 0 €
Credit card: 0 €
Credit interest (Guthabennzins): 0,01 %
Overdraft interest (Dispozins): 6,74% / 7,34%
+ Low overdraft interest;
+ 0.01% pa interest on the VISA-Card credit;
+ Account management, EC and VISA credit card free of charge without conditions;
+ Withdraw cash free of charge worldwide with a credit card;
- overdraft interest slightly higher for non-active customers (less than €700 monthly payment);
- Cash deposites only at a few ATMs possible.
Since I am looking for a better bank than my current one,
I have decided to open a regular giro account at DKB, so called
To make it easier for you I have activated the "Translate to English" function in the chrome browser with a right mouse click. So don't be surprised that the screenshots are in English. And now let's begin.
Now you should see the same picture as on the top of this article (Screenshot 1.). If they change the picture meantime, just click on "Jetzt DKB Cash eröffnen".
Step 2: Enter your personal information. The form is pretty easy, so I commented just most important entries.
According to the Tax Code (Account Truth) and Money Laundering Act, DKB is obliged to be certain about the person and address of the person entitled to dispose of an account.
Place of Birth
Enter the birth place name according to your passport;
Enter your Citizenship (not nationality!).
Tip: never ever receive or give any information by phone.
When you pick up the phone and find out that it is a call from the bank, I strongly recommend that you politely but clearly and without compromise insist on a communication channel via email or by post. Why? Read this article.
Resident since (year)
Enter the year when you moved into this address.
Most likely you are renting this flat. If so, select for rent.
Don't be surprised about the word "independence". The author of this article works selfemployed and "independence" was the automatic translation of "selfemployment". As Blue Card Professional you will be a regular employer.
I ticked the boxes on required places only. If you tick other checkboxes get prepared for the informational overload So I mostly do not tick amything which is not a mandatory.
Step 3: carefully doublecheck your entries.
If everything fine, click on "to the contract". Jn the nex page you can
download PDF with necessary information and/or proceed to "open an account".
After that you'll get the confirmation email(s).
In the next chapter you can find out how to cancel the contract within first 14 days.
If you do not have a cancellation confirmation from your previous insurance company or have never been insured before, leave these boxes empty. If necessary, TK will contact you.
I am employed/I work as
Write your job title here exactly as in your employment contract.
My gross monthly income
What is the amount stated in the employment contract? If there is annual salary, divide it by 12 to get the sum of the monthly salary. If both boxes do not apply, leave this one empty.
I had myself exempted from...
As an international professional, ignore these two checkboxes.
As an international professional, ignore this section.
I would like to have my dependants (spouse/life partner ... )
This is a great option. I just mentioned it couple of above. Your dependants (spouse and children) can be included without paying any additional fees.
The application for non-contributory dependants’ insurance
So if you want to include your dependants or your life partner(s) in the insurance, check this box.
As long as you do not know for sure that you are exempt from long-term care insurance, leave the first box empty.
Entering my name (Jaroslav Plotnikov) is of course optional. However, I would be very pleased :)
Phone number ... Email
I would advise against entering a call number.
Communication via phone has no advantages for you. It benefits only them because it speeds up their workflow and save them time.
Date ... Signature
Electronic signature is completely sufficient. Alternatively: fill out the document, print it out, sign it, scan it and email it to the TK (for example to Suchopar@tk.de or to firstname.lastname@example.org).
Step 2.5: send it via email or paper post to the particular insurance company.
After you have sent the completed and signed application (a PDF sent by email is sufficient) wait for a couple of days. You will usually receive a response within three working days, but also sooner, sometimes on the same day.
You will receive a membership confirmation or a message about which documents are still missing. Submit them.
As soon as you have received a membership confirmation, inform your employer. However, this is not absolutely necessary as your employer will also be notified directly by the health insurance company.
Step 3: Your health insurance membership card will be sent to you by post. Sign this plastic card and always take it with you to the doctor.
Step 4: when relocating, remember to inform your health insurance company on time. You can also do this in advance, as soon as both parties sign the new rental agreement. That's it.