Changing Your Bank Account in Germany – What Expats Need to Know for Salary and Benefits

Opening a new bank account in Germany is easy – but if you’re receiving a salary or government benefits, it’s crucial to update all relevant institutions to avoid payment delays. Expats in particular should understand who needs to be informed and how to keep everything running smoothly.

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1. Switched your bank account? Here’s what to do.

After changing your account, make sure to notify all parties who send you money:

✔️ Your employer or HR department
✔️ Family Benefits Office (Kindergeld)
✔️ Jobcenter or Employment Agency
✔️ Housing Benefit Office
✔️ BAföG Office (for students)
✔️ Tax Office (for refunds)
✔️ Health insurance & pension office
✔️ Landlord, insurance companies, utility providers, etc.

📌 Always provide your new IBAN and BIC in writing or through the official online portal.

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2. What happens if you forget?

✔️ Your salary or benefits may not be transferred – and might take weeks to reprocess
✔️ Delays and warnings from government offices may occur
✔️ Returned payments can lead to extra fees or administrative issues

💡 Tip: Many banks offer a free account switching service, but it’s best not to rely on it completely – double-check your important contacts.

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3. What Expats should pay special attention to

✔️ Online banking in German may have confusing terminology – don’t hesitate to ask for help
✔️ Government offices often need several days to update information
✔️ Some agencies (e.g., Family Benefits Office) only accept accounts in your own name, not joint or third-party accounts

📌 Make sure your account name matches your ID and your official records.

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Conclusion

Switching your account in Germany is simple – but to keep your finances safe, you need to act fast and inform the right authorities. With a little planning, Expats can avoid unnecessary stress and ensure all payments continue without disruption.