Sparkasse Online: Open an account - how it works
Many branches of the Sparkasse want to make it easier for their customers to open an account with a simple system. You can open an account with Sparkasse online in just a few minutes.
Requirements for opening an account online
In order for the opening to work right away, you should have some data ready. You may also need a special app if you want to open an account using a mobile phone or tablet.
- Since you have to carry out legitimation via video chat, you need either a computer / laptop with webcam or a smartphone / tablet with the Idnow app, which is available free of charge in Google Play and Appstore.
- You also need speakers and a microphone, often normal headphones also have a microphone integrated.
- Have your ID card or passport ready so that the consultant can verify it.
- A stable internet connection is necessary (at least 1 Mbit download and upload).
- You will need your tax identification number to apply .
- You will also need an email address and mobile phone number.
- You may only be resident for tax purposes within Germany .
Step-by-step to the Sparkasse account
Online account opening is very easy and quick. If you meet all the requirements, you can open your account in just a few minutes. Most savings banks have already introduced this system, so you can open the account in almost every city.
- Go to the home page of the Sparkasse branch. Then click on " Private customers " and the sub-item " Current accounts ". Now a screen should appear that offers you to open a checking account online . Now click on the button and you are directly in the account opening.
- Before you can fill out the application, you will be reminded of a few things, such as video legitimation and the necessary requirements . After reading them carefully, click on "Next".
- Now you have to enter all your personal data in the form. You must provide your name, place of residence, date and place of birth. In addition, there is also the tax number, your e-mail and cell phone number, your marital status and your current job. There you can also choose, for example, that you are a student, if this applies to you.
- Now accept the terms of use and technical information after reading them carefully.
- Select your device (mobile phone, PC or tablet) and then start video legitimation . An employee will then guide you through the necessary further steps.
- During the video chat, photos of you and your ID will be taken so that the data you provide can be compared. You must also read out the important data to the employee for checking (for example, the ID number).
- Your ID is checked for authenticity by tilting and tilting it.
- You will receive an SMS with a TAN number with which you can confirm the process. It is therefore important that you enter a valid mobile phone number in the application.
- Finally, all data and files are sent to your Sparkasse. You have now successfully opened your account.
Now that you have opened an account online, you will also need to familiarize yourself with online banking. You can find out exactly what that is and how it works in this article. Many banks, like the Sparkasse, offer apps, and you can find out how secure these banking apps are in this article.