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银行账户和信用卡 - 德国理财网

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银行

每家银行的转账账户服务费用都不一样,所以客户应该根据自己的情况选择相应的银行和相应的账户产品。各个银行不时会推出一些免费的私人账户服务,或者免费的信用卡服务,或者以高于市场利率的存款利率来吸引客户开户, 客户在开户前也可以通过广告来了解银行的优惠政策。

使用转账账户的注意事项有以下几点:
1. 德国防洗钱法则被严格执行,您如果需存现金超过 10000 欧元, 须出示护照或身份证。
2. 德国数字的手书形式和中国的不同 :德国的1 和中国的 7 看来很相似,德国的7 在中间有一撇。德国的小数点是逗号,小点则是用来表示千位数,如 1.000,00在德国表示1 千整。在德国日期的年月日书写顺序是这样的,2007 年 5 月 12日写成 12.05.2007,与中文习惯完全颠倒。
3. 银行在办理业务时,以客户的签字为准。网络办理业务则使用密码。您在开设账户留下签字样本时,务必考虑好签名的形式 ( 中文还是汉语拼音 ) ,并在以后签发付款或转账指令时保持此种样式,以免带来不必要的麻烦。
4. 绝大多数的银行收取帐号管理费的,我们为您总结了一些不收费的银行:
》》》点击这里比较各家银行账户《《《

信用卡
信用卡是一种现代的,便捷的,在世界范围内通用的支付手段。德国市场上最常见的信用卡有Visa卡,万事达卡(MasterCard)和美国运通卡(American Express)。
信用卡的最大优点是:全世界范围内可以使用,提现或是刷卡消费都非常便利;还可以实现无现金交易,信用卡与支付密码独立保存,支付更加安全,即使不慎被他人盗取信用卡,也不会造成不可挽回的金钱损失;轻松完成网购支付,而且往往还能够享受额外的折扣;
每个银行都会提供信用卡产品,不过每种产品费用和服务差别非常大。比如,有的信用卡可以免年费,有的信用卡提供欧盟境内免费提现和支付,有的信用卡可以全世界免费支付,有的信用卡提供免费的伴侣卡,有的信用卡不需同时开设转账账户,而是与您已有的转账账户绑定,有的信用卡还会给客户赠送开户奖励,有的信用卡可以在一定时间内免透支利息,有的信用卡附带许多保险服务。

绝大多数的信用卡是收取年费的,我们为您总结了一些不收费的信用卡:

如果您在德国有固定收入》》》点击这里比较各家信用卡《《《 

没有固定收入的学生无法通过大多数信用卡公司的审核,这里我们推荐 》》》专门为学生打造的信用卡《《《

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