Banks with instant payments: Germany 2026 (11)

Banks with instant payments from our ranking (Germany), in Score order. These banks support the national instant payment system. Limits and fees differ, so read the tariffs before you rely on it.

Banks in Germany 2026: a ranking built on verified facts

  1. 1

    Deutsche Bank

    97/100
    Licensed since
    1870
    Deposit protection
    Yes
    Agency rating
    Yes
    • Wide range of products for private customers
    • Long track record as a licensed bank
    • Member of a deposit protection scheme
    • Holds its own current rating from a recognised agency
  2. 2

    Hamburger Sparkasse

    95/100
    Licensed since
    1827
    Deposit protection
    Yes
    Agency rating
    Yes
    • Wide range of products for private customers
    • Long track record as a licensed bank
    • Member of a deposit protection scheme
    • Holds its own current rating from a recognised agency
  3. 3

    DKB

    93/100
    Licensed since
    1990
    Deposit protection
    Yes
    Agency rating
    Yes
    • Wide range of products for private customers
    • Long track record as a licensed bank
    • Member of a deposit protection scheme
    • Holds its own current rating from a recognised agency
  4. 4

    Berliner Sparkasse

    92/100
    Licensed since
    1818
    Deposit protection
    Yes
    Agency rating
    Yes
    • Wide range of products for private customers
    • Long track record as a licensed bank
    • Member of a deposit protection scheme
    • Holds its own current rating from a recognised agency
  5. 5

    Sparkasse KölnBonn

    85/100
    Licensed since
    2005
    Deposit protection
    Yes
    Agency rating
    Yes
    • Wide range of products for private customers
    • Member of a deposit protection scheme
    • Holds its own current rating from a recognised agency
    • Publishes annual reports
  6. 6

    BBBank

    80/100
    Licensed since
    1921
    Deposit protection
    Yes
    Agency rating
    No
    • Wide range of products for private customers
    • Long track record as a licensed bank
    • Member of a deposit protection scheme
    • Publishes annual reports
  7. 7

    Targobank

    71/100
    Licensed since
    Not verified
    Deposit protection
    Yes
    Agency rating
    No
    • Wide range of products for private customers
    • Member of a deposit protection scheme
    • Has a mobile app
    • New customers can open an account without visiting a branch
  8. 9

    Berliner Volksbank

    70/100
    Licensed since
    1946
    Deposit protection
    Yes
    Agency rating
    No
    • Wide range of products for private customers
    • Long track record as a licensed bank
    • Member of a deposit protection scheme
    • Has a mobile app
  9. 10

    Openbank

    66/100
    Licensed since
    Not verified
    Deposit protection
    Yes
    Agency rating
    Not verified
    • Wide range of products for private customers
    • Member of a deposit protection scheme
    • Publishes annual reports
    • Has a mobile app
  10. 11

    Commerzbank

    65/100
    Licensed since
    Not verified
    Deposit protection
    Yes
    Agency rating
    Not verified
    • Wide range of products for private customers
    • Member of a deposit protection scheme
    • Has a mobile app
    • New customers can open an account without visiting a branch
  11. 12

    norisbank

    60/100
    Licensed since
    Not verified
    Deposit protection
    Yes
    Agency rating
    No
    • Member of a deposit protection scheme
    • Has a mobile app
    • New customers can open an account without visiting a branch
    • Supports national instant payments