this post was submitted on 22 Jun 2026
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That's actually very promising. It's europe, I should just go and see if I can open an account with them even without german residence.
Do they have decent online-banking and savings accounts?
No.
Well, it really depends. Both aren't one single big bank, but a lot of semi-connected local banks. They are huge disparities in what e.g. Sparkasse München and Sparkasse Hinterpfaffenhofen can offer. The bigger ones mostly have proper online services, but might require a letter for some stuff.
Regarding savings accounts - from what I've seen, most of the products they offered weren't really competitive, and mostly relied on you not shopping around. Volksbanken, as a co-op, allow you to buy shares in the bank, which can have a pretty good return, but there is a relatively low limit on how many shares a single person can own, so no one can have outsized voting power.
So, bit of a mixed bag, really.