Skip to content

Services you need in Germany

Arriving in Germany: what comes first?

Ranked by need: what you must do, what you need in the first month, then what saves you money. Each one says what it protects you from.

  1. ① Do these first

    Required by your visa and by law: without them, visa, enrolment and your job all stall

  2. ② Your first month

    Without these you cannot get paid, receive codes or get online

  3. ③ Save money, earn it back

    Tax refunds, better jobs, lower transfer fees

  4. ④ Only if it fits you

    Not everyone needs these, but when you do they pay off

1Health insurance

Health insurance is a legal duty in Germany: without proof of cover, your visa, enrolment and job all stall. Pick the right one and doctor visits and prescriptions are largely covered.

Check first

  • Public or private? Students and employees earning under €77,400 a year are usually in public insurance
  • Are you a student, on a language course, employed or freelance?
  • What do your visa and enrolment require?
  • By when do you have to show proof of insurance?
Read the full guide →

Feather

Expat health insurance · public insurance sign-up

Good for:People who can't read German insurance forms and need proof of insurance for a visa

Why it is here:An English-language platform with interim health cover for newcomers, which can also enrol you in public insurance (e.g. TK, AOK)

From the official site

  • The newcomer plan covers job-seeker, Opportunity Card, student, Blue Card (gap before the job), vocational training, family reunion and freelance visas, for up to 5 years
  • Insurance documents arrive right after sign-up; usually a 31-day waiting period, and pre-existing conditions are not covered
  • Full refund within 14 days if you have made no claim; contract, claims and support all in English
See costs and terms →

ottonova

Student and expat private health insurance

Students from €116/mo · expats from €196/mo

Good for:People who qualify for and choose private insurance (students, or employees above the income threshold)

Why it is here:Germany's first fully digital private insurer: photograph your bills, English phone and chat support

From the official site

  • Students: under 39 and enrolled at a German university; apply for exemption from public insurance within 3 months of enrolling; compliant for visa and enrolment (§257 SGB V)
  • The expat plan is only for non-EU nationals on a limited residence permit (under 60 months), and you can start applying from abroad
  • Employees qualify only above €77,400 a year; the self-employed can sign up
See costs and terms →

TKPublic insurer

Public health insurance (students / employees)

Students 2026: €141.16–146.29/mo incl. long-term care

Good for:Students and most employees: public insurance is the default

Why it is here:One of Germany’s largest public insurers, with an English site, 24/7 English support and a Chinese info page

From the official site

  • 2026 student rate: health €110.38/mo; with long-term care €141.16 (under 23 or with a child) or €146.29 (23+, no child)
  • Employees: 14.6% plus TK’s 2.69% additional rate, split with your employer, so you pay 8.645% of gross pay
  • TK suggests contacting them before you travel; request the enrolment confirmation in the TK app and it goes to your university automatically
See costs and terms →

AOKPublic insurer

Public health insurance (regional AOK funds)

Students €87.38/mo + regional rate, plus long-term care

Good for:Students who want an adviser near campus

Why it is here:Run regionally, with advisers near many universities and a multilingual hotline

From the official site

  • The additional rate varies by region: in 2026 from 2.47% (Rheinland-Pfalz/Saarland) to 3.5% (Nordost), split with your employer
  • Students 2026: €87.38/mo + regional rate; long-term care €30.78 (under 23) or €35.91 (23+, no child)
  • An English application process and English hotline; the member app is German only
See costs and terms →

2Blocked account

A student visa needs proof of a year of living costs: €11,904 in 2026. The blocked account is that proof; open it a week late and your visa appointment may have to move.

Check first

  • Does your visa need a blocked account? Student visas usually do; an employment contract usually does not
  • When is your visa appointment? Opening the account and getting the confirmation usually takes one to two weeks
  • Do you want the visa health insurance done at the same time?
Read the full guide →

Expatrio

Blocked account (optional insurance bundle)

€119 setup + €9/mo

Good for:People who only need the blocked account and want a Chinese interface

Why it is here:The provider with the most Chinese-language guides; site in simplified and traditional Chinese, and cheaper when you only need the account

From the official site

  • 2026 amount: €992 a month, €11,904 for 12 months
  • Official opening confirmation within 24 hours; blocked-amount confirmation as soon as funds arrive
  • Money back if the visa is refused; monthly payouts to a free Expatrio German account
See costs and terms →

Fintiba

Fintiba Basic / Plus

€159 setup + €9.90/mo (new accounts from 3 Nov 2025)

Good for:People who want an established German provider, or insurance in the same step

Why it is here:An established German provider; the site states it is approved by the Federal Foreign Office and accepted by all German missions

From the official site

  • Pay by credit card for an instant blocking confirmation; otherwise 1–5 working days after funds arrive
  • Fintiba Plus bundles health insurance, from €95/mo (up to age 40)
  • Site and service in English, German, Chinese, Arabic and Turkish
See costs and terms →

3Bank account

Rent, salary and phone contracts all draw on a German IBAN. Open one on your phone in minutes.

Check first

  • Have you registered your address yet?
  • Do you want an online bank or a traditional one?
  • Are you a student or already working? The right account differs
Read the full guide →

N26

N26 mobile bank account

Standard free · Smart €4.90 / Go €9.90 / Metal €16.90 a month

Good for:People who want an English app and an account opened on the phone in minutes

Why it is here:A free basic account with a German IBAN, protected by German deposit insurance

From the official site

  • Open on your phone with a passport; a virtual card and German IBAN in minutes
  • Standard: 2 free eurozone ATM withdrawals a month; physical card a one-off €10, virtual card free
  • Deposits protected up to €100,000; app and 24/7 support in English
See costs and terms →

bunq

bunq personal account

Free · Core €3.99 / Pro €9.99 / Elite €18.99 a month

Good for:People who don't have a tax ID (Steuer-ID) yet and want an account now

Why it is here:The site states no tax ID is needed to open; add it within 90 days

From the official site

  • Advertises a 5-minute sign-up with full English support
  • Start banking right away and provide the tax ID within 90 days
  • The free plan includes 3 sub-accounts to keep rent and living costs apart
See costs and terms →

Vivid Money

Vivid personal account

Standard €0 for active customers (else €4.90/mo) · Plus €6.90 · Prime €7.90

Good for:People who want rent, living costs and savings in separate pots

Why it is here:German IBAN, every pocket with its own IBAN, clear cash-withdrawal allowance

From the official site

  • Standard: up to 3 pockets, each with its own German IBAN
  • Up to €200 a month in free cash withdrawals (at least €50 each)
  • First physical card free, SEPA instant transfers included, opened online in minutes per the site
See costs and terms →

Deutsche Bank

Das Junge Konto (young account)

No monthly fee for students and trainees under 30

Good for:Students under 30 who want a traditional bank with branches

Why it is here:No monthly fee for students, Cash Group ATMs across Germany, and a branch to walk into

From the official site

  • Needs a registered address in the EU, a passport and proof of study or training
  • Free Deutsche Bank Card; free withdrawals at Deutsche Bank, Postbank, Commerzbank and HypoVereinsbank ATMs
  • Open online by video ID (7:00–22:00 daily) or in a branch; the site is German only
See costs and terms →

4SIM card

Bank codes, landlord calls and appointment texts all go to a German number, and the cost of calling home varies hugely.

Check first

  • Do you have a German bank account yet? If not, start with prepaid
  • How much data do you use a month?
  • Do you make international calls often?
  • Does your phone support eSIM? If so, you can activate online on arrival day
Read the full guide →

Lebara

HELLO! plans with international minutes

From €4.99/mo · 10 GB

Good for:People who call family in China often

Why it is here:Every plan includes minutes to China, and calls beyond them are cheap

From the official site

  • Every HELLO! plan includes minutes to 50 countries, among them mainland China (mobile and landline), Hong Kong and Macao: 50 min on the €4.99 plan, 700 min on the €24.99 plan
  • Beyond that, calls to China: landline €0.01/min, mobile €0.05/min, plus €0.19 per call
  • Cancel monthly; €19.99 activation fee (per the official price list of 17 March 2026)
See costs and terms →

congstar

Allnet Flat contracts · prepaid

Contract from €15/mo (15 GB) · prepaid from €2 per 4 weeks

Good for:People already registered at an address who want the Telekom network

Why it is here:Telekom network, contract or prepaid, with no-minimum-term options

From the official site

  • Allnet Flat: XS €15 (15 GB), S €20 (50 GB), M €25 (125 GB), L €30 (200 GB) a month
  • Prepaid annual pack: €100 for 12 months, 240 GB in total
  • With only a passport (no German ID card) you must also show your registration certificate (Meldebescheinigung)
See costs and terms →

simyo

simyo S / M / L (O2 network)

From €6.99/mo · 25 GB (promo)

Good for:People who accept a 24-month contract for the lowest monthly price

Why it is here:No connection fee on 24-month contracts, very low promo prices

From the official site

  • 24 months: S 25 GB €6.99, M 35 GB €7.99, L 50 GB €9.99 (normally €9.99 / €14.99 / €19.99)
  • Monthly-cancellable versions have the same promo prices plus a €19.99 connection fee
  • Telefónica (O2) network; every plan works with an eSIM
See costs and terms →

fraenk

fraenk (Telekom app-only brand)

€10/mo · 25 GB

Good for:People who mostly need data, not calls home

Why it is here:Telekom network, cancel monthly, no setup fee

From the official site

  • €10 a month: 25 GB plus unlimited calls and texts in Germany; +25 GB for €5 more
  • Pay by PayPal, Apple Pay, Google Pay or SEPA
  • Note: it cannot call Chinese numbers
See costs and terms →

freenet FUNK

freenet FUNK unlimited

€0.99/day or €19.99/mo

Good for:Heavy data users

Why it is here:Unlimited data, by the day or the month

From the official site

  • eSIM only, so your phone must support eSIM
  • O2 network, up to about 50 Mbit/s
  • Monthly billing: 1-month minimum, then cancel at any month-end
See costs and terms →

5Personal liability insurance

Damage a landlord’s floor or lose the key to a whole building and one claim can run to thousands of euros. Liability insurance costs under €5 a month, and the insurer pays instead of you.

Check first

  • Can you read German policy terms?
  • Do you need cover for lost keys?
  • Would you rather pay monthly or yearly?
Read the full guide →

Feather

Personal liability (Haftpflicht)

From €4.94/mo single

Good for:People with no German at all

Why it is here:English interface and support, monthly payment, cancel anytime

From the official site

  • €50M cover including lost-key replacement, no deductible
  • No minimum term; cancel anytime, cover ends at month-end
  • Starts immediately; you can sign up without a permanent address
See costs and terms →

Getsafe

Personal liability (Haftpflicht)

From €2.90/mo

Good for:People who want the lowest monthly price and will check the terms in an English app

Why it is here:English app, low starting price, cancel in the app

From the official site

  • Worldwide, up to €50M; lost keys and damage to your rented home covered
  • "Takes 2 min" to sign up; cancel daily in the app
  • 100% English and digital, claims in the app; you must live in Germany
See costs and terms →

DEVK

Privathaftpflicht (personal liability)

Basis single from €3.50/mo

Good for:People who read German and want an established German insurer

Why it is here:A long-established German insurer with no deductible even on the basic tier

From the official site

  • Basis: €20M cover, no deductible; lost keys up to €20,000
  • No waiting period; cover can start the next day
  • Website in German only
See costs and terms →

CHECK24

CHECK24 liability comparison

Comparison is free

Good for:People who want to see the whole market first

Why it is here:Compares 260+ liability tariffs at once, free and non-binding

From the official site

  • Compares Allianz Direct, ARAG, AXA, ERGO, VHV and others; not every insurer takes part
  • Free and non-binding
  • Website in German only
See costs and terms →

6Internet

From order to working internet often takes two to five weeks. As soon as your move-in date is fixed, compare and order.

Check first

  • Which connection can your address get: DSL, cable or fibre?
  • Is your move-in date set? Ordering to online often takes two to five weeks
  • Will you rent or buy the router?
Read the full guide →

CHECK24

Good for:People with a move-in date who need a broadband contract

Why it is here:Enter your new address to compare every tariff it can get, sorted by 24-month average monthly cost; comparing and ordering are free for you

See costs and terms →

7Electricity

Move in without an electricity contract and you are put on the default supply, usually the most expensive. Five minutes of comparing fixes it.

Check first

  • Do you know your annual consumption?
  • Are you on the expensive default supply?
  • How long a contract can you accept?
Read the full guide →

CHECK24

Good for:People who just moved in and are on default supply

Why it is here:Enter your postcode and consumption, sorted by total yearly price; signing and cancelling the old supplier in one flow, free for you

See costs and terms →

8Tax return

Many people overpay tax in their first year in Germany, and one return brings it back: SteuerGo says its users get €1,370 back on average.

Check first

  • Do you need to file this year? Students do not have to, but filing often brings money back
  • Which costs can you deduct, such as tuition or moving?
  • Is your case complex enough for a tax adviser?
Read the full guide →

Wundertax

Wundertax online tax return

€34.99 per return · 3 for €89.99 · joint €49.99

Good for:People who want to fill in step by step, in German or English

Why it is here:Guided questions, German and English interfaces, grouped by occupation

From the official site

  • Free to start; you pay only when you submit (SEPA, card or Klarna)
  • File back up to 4 years
  • Submits through the official ELSTER interface; the site says 100% English and 17 minutes on average
See costs and terms →

SteuerGo

SteuerGo online tax return

€34.95 per return · 3 for €89.95

Good for:People with several income types, or who want another interface language

Why it is here:Five interface languages and the widest list of supported income types

From the official site

  • Try free without registering; pay only on submission; the fee itself is tax-deductible
  • The site claims an average refund of €1,370 and 25 minutes to complete
  • Submits via ELSTER; interface in German, English, Polish, Romanian and Russian
See costs and terms →

9Learning German

German decides which jobs and flats you can get. A few live classes a week beat learning words on your own.

Check first

  • Is your goal an exam, or chatting with colleagues?
  • How many hours a week can you set aside regularly?
  • What is your budget? If your time is fixed, VHS is cheaper
Read the full guide →

Babbel

Babbel self-study app

Good for:People who learn in spare moments

Why it is here:A self-study app for vocabulary, patterns and listening: the app handles input

From the official site

  • The first lesson of every course is free to try
  • Practise conversations with an AI partner
  • English interface
See costs and terms →

Lingoda

Lingoda live online small groups

From €79.99 per 4 weeks for 5 group classes (new-student first month)

Good for:People who want to go from passing exams to actually chatting

Why it is here:A few live small-group classes a week at flexible times: live classes get you speaking

From the official site

  • 60-minute classes with 3–5 students, on Zoom
  • A1 to C1, 50 classes per level, with a certificate per level
  • 7-day free trial; unused credits roll over; 14-day money-back
See costs and terms →

10CV tools

HR often spends about thirty seconds on a CV. Dozens of applications with no reply usually means the CV is the problem.

Check first

  • Is your CV tailored to this role?
  • Can HR tell who you are in thirty seconds?
  • Do your strengths come across?
Read the full guide →

The HHL CV competitiveness checker in the PathGo career guide checks your CV from seven hiring perspectives.

Read the full guide →

11Money transfers

Bank transfers home are expensive and slow. Specialist services show how much CNY arrives before you pay, and the fast ones land in minutes.

Check first

  • Are you sending money to Germany, or from Germany home?
  • Do you care more about speed or total cost?
  • Have you compared what actually arrives for the same amount?
Read the full guide →

Wise

International transfers: EUR → CNY

Mid-market rate, fees shown upfront

Good for:People who compare and want to see every fee

Why it is here:Uses the mid-market rate and lists every fee before you pay, so it is a good yardstick against others

From the official site

  • Pay out to Alipay, WeChat, UnionPay cards or a Chinese bank account, in CNY
  • Per the site: 74% of transfers arrive in under 20 seconds, 95% within a day
  • Alipay and WeChat recipients may need to add a bank card to their wallet first
See costs and terms →

LemFi

Remittance app for the Chinese diaspora

Transfer fee shown as €0

Good for:People who have settled and send money home from Germany

Why it is here:A remittance app built for overseas Chinese, with a Chinese interface; no transfer fee, the margin is in the rate, and you see the payout before you pay

From the official site

  • Send EUR from Germany to China, to bank accounts, Alipay or WeChat
  • Usually arrives within minutes, per the site; 30 Chinese banks supported
  • Recipient details: bank — name matching ID plus ID number; WeChat — linked phone; Alipay — bank card number and linked phone
See costs and terms →

WorldRemit

Transfers to Alipay · UnionPay cards

All fees shown before you pay

Good for:Families used to receiving on Alipay or a UnionPay debit card

Why it is here:Supports both Alipay and UnionPay payouts, with limits and timings stated clearly on the site

From the official site

  • The recipient's Alipay ID is the phone number registered with Alipay
  • Alipay limits: CNY 50,000 per transfer, CNY 500,000 per year, 5 transfers per month
  • Minutes if the recipient has enabled cross-border receiving, otherwise up to 72 hours; UnionPay debit cards by the next working day
See costs and terms →

13Dental top-up

Public insurance pays for basic treatment only; implants and crowns are mostly out of pocket. A dental top-up covers that.

Check first

  • Are you publicly insured? Public cover pays only basic treatment; implants and crowns cost a lot out of pocket
  • Is any treatment already planned? Planned treatment is usually excluded
  • How long a contract can you accept?
Read the full guide →

DFV

DFV-ZahnSchutz dental top-up

From €9.10/mo (Basis, 50% reimbursed)

Good for:Publicly insured people who want implants and crowns covered

Why it is here:Four clear reimbursement tiers, no waiting period

From the official site

  • Four tiers: Basis 50% · Komfort 70% · Premium 80% · Exklusiv 100%, €9.10 to €17.80 a month
  • No waiting period, but capped in the first 4 years (e.g. Exklusiv €1,750 in year one), unlimited from month 49; accidents exempt
  • Minimum term 24 months; website in German only
See costs and terms →

ottonova

ottonova dental top-up

From €8.80/mo

Good for:People who want English service and bills managed in an app

Why it is here:No waiting period; book and upload bills in the app

From the official site

  • No waiting period
  • Book appointments and upload bills in the app
  • English phone and chat support
See costs and terms →

14Sorting and comparing insurance

Policies pile up. Any overlap? Anything missing? Let an app sort it, or compare everything in one go.

Check first

  • Which policies do you already have? Any overlap?
  • Can you read a German interface?
  • Do you want to compare yourself, or have someone sort it for you?
Read the full guide →

CLARK

CLARK insurance manager app

Free for users

Good for:People whose policies keep piling up and who want them sorted

Why it is here:A licensed broker that puts all your policies in one app

From the official site

  • Free for users, with free advice by phone, messenger or email
  • Compares 180+ insurers; a registered insurance broker (Versicherungsmakler)
  • iOS and Android apps; interface in German only
See costs and terms →

CHECK24

CHECK24 insurance comparison

Comparison is free

Good for:People who want to compare the market themselves

Why it is here:Liability, contents and legal insurance all comparable, free and non-binding

From the official site

  • Over 260 tariffs for liability alone
  • Free and non-binding
  • Website in German only
See costs and terms →

15Freelance bookkeeping and invoicing

Freelancers issue their own invoices, keep books and file VAT. Software does it for less than an accountant, with fewer tax-office surprises.

Check first

  • Are you a freelancer (Freiberufler) or running a trade (Gewerbe)?
  • Do you have to file VAT pre-returns (UStVA)? Small businesses often do not
  • Can you work in a German interface?
Read the full guide →

sevDesk

sevDesk invoicing and bookkeeping

Free plan €0 · invoicing from €8.90/mo (plus VAT)

Good for:People just starting to take on work who want free invoices first

Why it is here:A permanent free plan with 3 invoices a month; the interface switches to English

From the official site

  • Free plan: 3 invoices a month; paid plans billed monthly, yearly or every 2 years, cheaper the longer
  • 14-day full trial with no credit card, then it drops to the free plan
  • Paid bookkeeping plans file VAT pre-returns via ELSTER and include the EÜR profit statement
See costs and terms →

Lexware Office

Lexware Office (formerly lexoffice)

S €7.90 / M €12.90 / L €21.90 a month (plus VAT)

Good for:People with steady business who need proper books and VAT returns

Why it is here:Established German accounting software, cancellable monthly

From the official site

  • 30-day free trial with every feature of the top tier
  • VAT pre-returns need plan L (€21.90/mo) or higher; S and M do not include them
  • Cancel monthly; no English interface found, English invoices only on XL
See costs and terms →

16Long-distance travel

Between cities, long-distance coaches are often far cheaper than trains: the site’s example is Berlin to Munich from €23.98.

Check first

  • Which cities do you travel between most?
  • Do you care more about price or time?
  • Will you carry large luggage?
Read the full guide →

FlixBus

FlixBus long-distance coach

e.g. Berlin–Munich from €23.98

Good for:People who want the cheapest way between cities

Why it is here:Low fares, many departures, one suitcase free

From the official site

  • Site example: Berlin to Munich from €23.98, about 6 h 35 min, 18 departures a day
  • Free: 1 hand bag (7 kg) and 1 checked bag (20 kg); an extra bag €4.99–18
  • Free Wi-Fi, sockets and toilet on board; digital tickets and live tracking in the app
See costs and terms →

17VPN

Streaming sites from home are often region-locked in Germany, and public Wi-Fi in cafés and trains is safer with one.

Check first

  • What is it for: streaming from home, public Wi-Fi, or trips back?
  • How many devices need it?
  • Can you accept paying two years up front?
Read the full guide →

NordVPN

NordVPN

2-year plan from €3.89/mo (€93.36 up front)

Good for:People who want a long-established provider with Chinese-language pages

Why it is here:10 devices at once on every plan, 30-day money-back guarantee

From the official site

  • 2-year plans: Basic €3.89/mo, Complete €4.89/mo, Ultimate €8.89/mo; renews yearly at a higher price
  • Up to 10 devices at once on every plan
  • 30-day money-back guarantee; servers in 225 locations
See costs and terms →

Surfshark

Surfshark

2-year plan from €2.49/mo (3 months extra)

Good for:Households with many devices who want the lowest monthly average

Why it is here:Unlimited devices, lower monthly average on long plans

From the official site

  • 24 months plus 3 free: Starter €2.49/mo, One €2.79/mo, One+ €4.49/mo
  • Unlimited simultaneous devices
  • 30-day money-back guarantee; 4,500+ servers in 100 countries
See costs and terms →

Prices and terms on the cards were taken from each provider's own website on 7 October 2026. Prices change; the official site always has the latest.