Business accounts: Germany
An honest assessment before work starts, the quote is fixed in writing.
We assess your chances against your profile, prepare the compliance file, help you present your source of funds properly and handle communication with the bank until it decides. The final decision always rests with the bank, and careful preparation improves the odds.
We quote the exact cost for this country after a short consultation: it depends on the bank and your residency. The quote is fixed in writing before work starts.
A German company: capital and taxes
| What | Condition 2026 |
|---|---|
| Limited liability company capital | €25,000, half paid at registration; an entrepreneurial company from €1 |
| Corporate tax | 15% plus 5.5% solidarity surcharge on it, 15.825% in total |
| Trade tax | 3.5% of profit times the municipal multiplier: at least 200%, about 420% on average |
| VAT | 19%, reduced 7%; small businesses are exempt with prior-year turnover up to €25,000 and current up to €100,000 |
Together corporate and trade tax usually come to about 30%. Companies must accept e-invoices since 2025 and issue them from 2027 with turnover above €800,000 and from 2028 in all cases.
We will calculate online the cost of opening an account for your company and maintaining it for a year.
What a German bank checks
- The articles, the Commercial Register extract, managing directors' passports.
- Ultimate owner details in the transparency register.
- A business description, contracts, source of capital.
Deposits are insured up to €100,000, about $112,100, per depositor per bank. More on our Germany taxes page.
How to open a company and account: the steps
- Articles before a notary.
- A capital account and payment of at least half, €12,500.
- Commercial Register entry.
- The tax questionnaire via the state portal and a tax number.
- Trade registration with the municipality.
What we do
- We prepare the articles and support the notarial formalities.
- We open the capital account and the company's operating account.
- We register the company with the tax office and municipality.
What we do
- Corporate account - opening assistance
See also
Company formation · Personal account · Investment property · All country programs
FAQ
Can a foreigner open a company account in Germany?
Do I need a German resident director for the account?
How long does it take to open a GmbH bank account?
What if a German bank turns my company down?
How much tax does a German company pay?
What is the minimum capital of a German company?
Is a notary needed for a German company?
How long does company registration take in Germany?
Are small businesses exempt from VAT in Germany?
What taxes does a German GmbH pay?
Are company funds insured in a German bank?
Need a business account with a German bank?
We check which German banks will work with your company, prepare the compliance pack and guide the opening, including for paying in share capital. The catalogue covers every country.
The Murblz consultant replies straight away in the chat on this page. Describe your situation and we will work it out together.
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