Basic Bank Account (statutory right)
Basiskonto (Recht auf ein Girokonto, §§ 38 ff. ZKG)
Paid by Kreditinstitute (gesetzliche Pflicht nach ZKG) · 🇩🇪 Germany
What this pays
The published value, how it is calculated, and whether it is cash or a credit ceiling.
Email and a six-digit code, then €50 a year. No password to forget.
Who qualifies
UnlockThe 3 published rules this programme tests you against — age, income, residency, household and the rest.
The steps, documents and official link are part of the paid plan. Checking how much you're owed stays free.
1 document you'll need
UnlockExactly what to gather before you start, so nothing sends you back to the beginning.
Where this comes from
Anspruch auf ein Basiskonto haben grundsätzlich alle Verbraucherinnen und Verbraucher, die sich rechtmäßig in der EU aufhalten und in Deutschland noch kein Zahlungskonto besitzen. Auch Geduldete haben dieses Recht.
A researcher has read this record against the official page.
Last checked against the official page on 5 October 2026
Source: www.bafin.de
Report an error Something wrong or out of date? Tell us.
Related reading: How to read a grant eligibility rule
Other income support in Germany
11 more programmes are on the paid plan, with the amount, the rules, the documents and the steps for each.
- Social Assistance – Help towards Living Costs
- Basic Income Support in Old Age and for Reduced Earning Capacity
- Benefits for Asylum Seekers
- Basic Pension Supplement
- Hamburg Social Discount Pass
- Berlin Social Discount Pass
- Broadcasting Fee Exemption
- State Blindness Allowances
- Dresden Social Discount Pass
- Die Tafeln – Food Bank Distribution
- Survivor's Pension (Widow's/Widower's Pension)
Similar programmes
Broadcasting Fee Exemption
ARD ZDF Deutschlandradio Beitragsservice
Citizen's Income (basic income support for jobseekers)
Jobcenter (Bundesagentur für Arbeit / Kommunen)
Basic Income Support in Old Age and for Reduced Earning Capacity
Sozialamt der Kommune (Antrag auch über Deutsche Rentenversicherung möglich)
Social Assistance – Help towards Living Costs
Sozialamt der Kommune
Benefits for Asylum Seekers
Kommunale Sozialämter / Landesbehörden (BMAS)
Berlin Social Discount Pass
Land Berlin (Senatsverwaltung für Arbeit, Soziales, Gleichstellung, Integration, Vielfalt und Antidiskriminierung)