{"id":10356,"date":"2025-03-17T09:54:52","date_gmt":"2025-03-17T09:54:52","guid":{"rendered":"https:\/\/chancenkarte.com\/?p=10356"},"modified":"2025-05-06T08:43:13","modified_gmt":"2025-05-06T08:43:13","slug":"basic-bank-account-for-chancenkarte-holders","status":"publish","type":"post","link":"https:\/\/chancenkarte.com\/en\/news\/basic-bank-account-for-chancenkarte-holders\/","title":{"rendered":"Basic Account for Chancenkarte Holders \u2013 Bank Account without Permanent Residence"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10356\" class=\"elementor elementor-10356\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-59a24843 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"59a24843\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-51ecbfd0\" data-id=\"51ecbfd0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16c99d elementor-widget elementor-widget-text-editor\" data-id=\"16c99d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 22-05-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Without a <strong>bank account<\/strong>, it is almost impossible to participate in social life. Rent, electricity, telephone and internet are usually paid cashless via a bank account. <strong>Salary payments <\/strong>are also transferred to your own bank account. <strong>Most banks in Germany require a permanent residence to open an account &#8211; the basic account is the exception here!<\/strong><\/p><p>With a <strong>low-cost basic account<\/strong>, Chancenkarte holders can secure their day-to-day living expenses and make important payments without having to provide proof of permanent residence. The following blog article explains why it is important <strong>to open an account early <\/strong>and how to open a basic account.<\/p><h3>Which account do I need as an Chancenkarte holder?<\/h3><p>Chancenkarte holders first need a <strong><a href=\"https:\/\/chancenkarte.com\/en\/offers\/blocked-account\/\">blocked account<\/a> <\/strong>to prove their financial security. In addition, a <strong>basic account <\/strong>is recommended, which enables holders to carry out basic banking transactions such as <strong>direct debits, transfers and cash withdrawals <\/strong>without having to register a permanent residence.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c756d9f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c756d9f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f1b6aa3\" data-id=\"f1b6aa3\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1dbcba9 elementor-position-left elementor-mobile-position-left elementor-view-default elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"1dbcba9\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/chancenkarte.com\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-box.min.css\">\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-info\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWhat is the difference between a basic account and a blocked account?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<p>Chancenkarte holders should apply for a blocked account before their stay in Germany in order to secure their livelihood. In most cases, you can open the account online. You must also specify a \"blocked beneficiary\u201c. This can be the respective diplomatic mission abroad or the responsible immigration authority. (The authority may not access the credit balance already deposited).<\/p>\n<p>You must pay a certain amount of money into the blocked account. The required payment into your blocked accountdepends on the purpose of your stay. You can find the exact amount on the website of the responsible diplomatic mission or in the foreign portal (source: Federal Foreign Office).<\/p>\n<p><b>Important:<\/b> You may only withdraw a certain amount from your blocked account each month. This amount is fixed from the outset so that the balance deposited is sufficient for the entire period of your stay in Germany.<\/p>\n<p>A basic account (low-cost current account) is recommended for daily payment transactions. This allows chip card holders to make transfers, card payments, set up direct debits or withdraw cash. To open a basic account, you must submit an application and prove your identity. Most banks make the application form available online. Basic Accounts are especially interesting for Chancenkarte holders without permanent residence.<\/p>\n<p><b>Important:<\/b> Every credit institution that offers payment accounts for its customers must also enable the creation of a basic account (source: Verbraucherzentrale).<\/p>\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b266f85 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b266f85\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1a9bd92\" data-id=\"1a9bd92\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c61c0b4 elementor-widget elementor-widget-image\" data-id=\"c61c0b4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 22-05-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"981\" height=\"1225\" src=\"https:\/\/chancenkarte.com\/wp-content\/uploads\/2025\/03\/blocked-vs-basic-account-large.png\" class=\"attachment-full size-full wp-image-10362\" alt=\"\" srcset=\"https:\/\/chancenkarte.com\/wp-content\/uploads\/2025\/03\/blocked-vs-basic-account-large.png 981w, https:\/\/chancenkarte.com\/wp-content\/uploads\/2025\/03\/blocked-vs-basic-account-large-240x300.png 240w, https:\/\/chancenkarte.com\/wp-content\/uploads\/2025\/03\/blocked-vs-basic-account-large-820x1024.png 820w, https:\/\/chancenkarte.com\/wp-content\/uploads\/2025\/03\/blocked-vs-basic-account-large-768x959.png 768w\" sizes=\"(max-width: 981px) 100vw, 981px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8cef889 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8cef889\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ea040a7\" data-id=\"ea040a7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30474ca elementor-widget elementor-widget-text-editor\" data-id=\"30474ca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3>How do I open a basic account?<\/h3><p>Chancenkarte holders can choose a bank where they want to open a basic account. To do so, they must fill out a form and prove their identity (e.g. with a passport).<\/p><p>Because <strong>opening a bank account <\/strong>can generally take a long time, you should start in good time. After entering Germany, you can open a basic account. You will need this to pay your rent in Germany or to receive your salary<\/p><p><strong>Documents required to open a basic account: <\/strong><\/p><ul><li>Valid identity card \/ passport<\/li><li>Proof of your stay (Chancenkarte)<\/li><li>Proof of your income or your blocked account<\/li><\/ul><p>Because banks earn less from a basic account than from a conventional current account, the <strong>application process <\/strong>can be complicated. Banks need to check your documents and ensure that you meet the <strong>requirements for opening <\/strong>a basic account. The bank must also ensure that the correct proof of your residence status is available to avoid misuse or incorrect applications. This often takes a lot of time, which you should allow for when opening your account<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-335692a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"335692a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c4f5482\" data-id=\"c4f5482\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-013c75e elementor-position-left elementor-mobile-position-left elementor-view-default elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"013c75e\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-info\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIt is advisable to apply for the basic account at a local Volksbank or Sparkasse in person. This way, problems can be dealt with directly and the process of opening an account can be accompanied personally. Here you can find a <a href='https:\/\/www.sparkasse.de\/standorte\/'>local Sparkasse<\/a> or a <a href='https:\/\/www.vr.de\/privatkunden\/filialsuche.html'>local Volksbank<\/a>.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9c0ac5a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9c0ac5a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d7de24e\" data-id=\"d7de24e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bc1ca4 elementor-widget elementor-widget-text-editor\" data-id=\"6bc1ca4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>Conclusion<\/strong><\/h3><p>Opening a <strong>blocked account <\/strong>or a <strong>basic account <\/strong>can take a long time. <strong>Chancenkarte holders <\/strong>should therefore start the account opening process in good time. The account must meet statutory requirements. The relevant evidence and documents must be submitted in good time so that they can be checked.<\/p><p>It is often worth taking advantage of <strong>detailed advice <\/strong>before you open an account. With a personal consultation, you can quickly compile the documents you need to open an account, compare prices and avoid any misunderstandings. This <strong>saves you a lot of time<\/strong>, which you can then invest in finding suitable accommodation or in the further <strong>registration process <\/strong>for your stay in Germany, for example.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-image-url=\"http:\/\/chancenkarte.cc\/wp-content\/uploads\/2023\/02\/Chancenkarte-Banner.jpg\" class=\"elementor-section elementor-top-section elementor-element elementor-element-7c2ef5e2 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c2ef5e2\" data-element_type=\"section\" id=\"newsletter\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1eace3c9\" data-id=\"1eace3c9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af5e602 elementor-widget elementor-widget-heading\" data-id=\"af5e602\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 22-05-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Chancenkarte Jobs!<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ad34882 elementor-widget elementor-widget-text-editor\" data-id=\"2ad34882\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>With <strong>Chancenkarte Jobs!<\/strong> a job platform will soon be created here, bringing Chancenkarte candidates and jobs together. Register now to be among the first to access the platform.<\/p><p><strong>Early Access to Chancenkarte Jobs!<\/strong><\/p><p><strong>Find jobs or candidates.<\/strong><\/p><p><strong>Enjoy exciting benefits for early users.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-546b4b1b elementor-widget elementor-widget-html\" data-id=\"546b4b1b\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<iframe data-tally-src=\"https:\/\/tally.so\/embed\/wQYzZY?alignLeft=1&hideTitle=1&transparentBackground=1&dynamicHeight=1\" loading=\"lazy\" width=\"100%\" height=\"200\" frameborder=\"0\" marginheight=\"0\" marginwidth=\"0\" title=\"JobBoard Sign-Up EN\"><\/iframe><script>var d=document,w=\"https:\/\/tally.so\/widgets\/embed.js\",v=function(){\"undefined\"!=typeof Tally?Tally.loadEmbeds():d.querySelectorAll(\"iframe[data-tally-src]:not([src])\").forEach((function(e){e.src=e.dataset.tallySrc}))};if(\"undefined\"!=typeof Tally)v();else if(d.querySelector('script[src=\"'+w+'\"]')==null){var s=d.createElement(\"script\");s.src=w,s.onload=v,s.onerror=v,d.body.appendChild(s);}<\/script>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Without a bank account, it is almost impossible to participate in social life. Rent, electricity, telephone and internet are usually paid cashless via a bank account. Salary payments are also transferred to your own bank account. Most banks in Germany require a permanent residence to open an account &#8211; the basic account is the exception &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/chancenkarte.com\/en\/news\/basic-bank-account-for-chancenkarte-holders\/\"> <span class=\"screen-reader-text\">Basic Account for Chancenkarte Holders \u2013 Bank Account without Permanent Residence<\/span> Mehr lesen ><\/a><\/p>\n","protected":false},"author":1,"featured_media":10381,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[25],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Basic Bank Account for Chancenkarte Holders | Chancenkarte<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/chancenkarte.com\/en\/news\/basic-bank-account-for-chancenkarte-holders\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Basic Bank Account for Chancenkarte Holders | Chancenkarte\" \/>\n<meta property=\"og:description\" content=\"Without a bank account, it is almost impossible to participate in social life. Rent, electricity, telephone and internet are usually paid cashless via a bank account. Salary payments are also transferred to your own bank account. 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