💳 Open Wise Account
💳 Open Wise Account
Home› Wise Partner› Wise in Germany
🇩🇪 Wise Deutschland — EU Regulated

Wise Business
in Germany

The smarter Geschäftskonto for German entrepreneurs. Free DE IBAN, real exchange rates, transfers to 70+ countries. 10× cheaper than Deutsche Bank, Commerzbank and Sparkasse for international payments.

🇩🇪 Jetzt kostenloses Konto öffnen →

Sponsored · Wise — EU regulated financial services · Free to open

Wise Business in Germany
DE
Real German IBAN
19%
MwSt rate Germany
10×
Cheaper than banks
€0
Monthly fee (basic)
🇩🇪 Für deutsche Unternehmen

Why German Businesses Choose Wise

From GmbH to Einzelunternehmer — Wise Business gives German companies a smarter way to manage international finances.

🏦
Real German DE IBAN
Get a genuine DE IBAN for your Wise Business account. German clients and partners pay you as if you have a Deutsche Bank or Commerzbank account.
💱
Real Exchange Rate (Echtzeit)
Wise uses the mid-market rate — no Aufschlag (markup). German banks add 2–4% to every foreign currency transaction. Wise charges a flat 0.3–0.7% fee instead.
📄
GoBD-Compliant Exports
Export transaction statements in CSV format compatible with DATEV, Lexware, and other German accounting systems. Suitable for Steuerberater (tax advisors).
🌍
Pay Global Suppliers
Pay suppliers in China (CNY), USA (USD), UK (GBP) and 70+ countries. No €15–25 Auslandsüberweisung (international transfer) fee like German banks charge.
⚡
SEPA Instant Transfers
Send EUR within Germany and EU in seconds via SEPA Instant. Most German bank-to-bank transfers via Wise arrive immediately — 24/7 including weekends.
🛡️
EU Regulated & Secure
Wise is authorised under EU e-money regulations. Your funds are safeguarded in separate accounts at top-tier European banks — protected and compliant.
⚖️ Wise vs German Banks

Wise vs Deutsche Bank, Commerzbank & Sparkasse

On a €1,000 Auslandsüberweisung (international transfer) — what German businesses actually pay.

🏦Deutsche Bank€22–35 + 2.5–3.5% FX
🏦Commerzbank€20–30 + 2–3% FX
🏦Sparkasse€15–25 + 2–4% FX
🏦Volksbank / Raiffeisenbank€15–28 + 2–3.5% FX
💚Wise Business~€4–6 flat · 0% FX markup
⚡Speed (Wise)~20 seconds vs 1–3 days
💸
Send Money Abroad
10× cheaper than banks
🏦
Get Free EU IBAN
Real Belgian IBAN
💳
Wise Debit Card
0% foreign fee
🌍
Multi-Currency
Hold 40+ currencies

Jetzt kostenloses Wise Geschäftskonto eröffnen

5 minutes online. Real DE IBAN. No branch visit. No monthly fees. Start saving on every international transfer.

🇩🇪 Open Free Account →
❓ FAQ — Wise in Germany

Frequently Asked Questions

Does Wise provide a German DE IBAN?
Yes. Wise Business provides a genuine German IBAN (DE XX XXXX XXXX XXXX XXXX XX — 22 characters). Your German clients and partners can pay you via SEPA transfer to your DE IBAN exactly as they would to any Deutsche Bank or Commerzbank account.
Is Wise compatible with DATEV for German accounting?
Wise provides CSV transaction exports and MT940 bank statement files that can be imported into DATEV Unternehmen Online and other German accounting systems. Most German Steuerberater (tax advisors) can process Wise exports. The MT940 format follows German banking standards.
Can German GmbH and UG companies use Wise Business?
Yes. Wise Business supports German GmbH, UG (haftungsbeschränkt), AG, OHG, KG, and sole traders (Einzelunternehmer / Freiberufler). During registration you'll need your Handelsregisternummer and company documents. The process is fully online — no Notar or branch visit required.
How does Wise handle German Umsatzsteuer (VAT) payments?
You can pay German VAT (Umsatzsteuer) directly from your Wise account to the Finanzamt via SEPA transfer. Use the Finanzamt's IBAN and your Steuernummer as the payment reference. Many German entrepreneurs also use Wise to pay OSS VAT declarations directly from their Wise EUR balance.