{"id":1849,"date":"2022-03-18T18:56:00","date_gmt":"2022-03-18T18:56:00","guid":{"rendered":"http:\/\/yurtdisindayiz.com\/?p=1849"},"modified":"2024-09-30T12:37:51","modified_gmt":"2024-09-30T12:37:51","slug":"almanyada-euro-banka-hesabi-acmak","status":"publish","type":"post","link":"https:\/\/yurtdisindayiz.com\/almanyada-euro-banka-hesabi-acmak\/","title":{"rendered":"Almanya\u2019da Banka Hesab\u0131 A\u00e7mak [2024]"},"content":{"rendered":"\n<p>\u0130\u015f, e\u011fitim veya turizm nedeniyle Almanya\u2019da bulunuyor veya ta\u015f\u0131nmay\u0131 planl\u0131yorsan\u0131z <strong>Almanya\u2019da bir banka hesab\u0131 a\u00e7man\u0131z gerekebilir<\/strong>. <\/p>\n\n\n\n<p>Almanya\u2019da bir banka hesab\u0131 a\u00e7mak art\u0131k eskisine g\u00f6re daha kolay. 2016\u2019da \u00e7\u0131kan yasayla art\u0131k Almanya\u2019da resmi ikamet adresiniz olmadan da yaln\u0131zca pasaportunuz ve oturum izninizle bu i\u015flemi ger\u00e7ekle\u015ftirebiliyorsunuz. Bu da \u00f6zellikle Almanya\u2019ya yeni ta\u015f\u0131nanlar ve ta\u015f\u0131nacak olanlar\u0131n i\u015flerini \u00e7ok daha kolayla\u015ft\u0131r\u0131yor.<\/p>\n\n\n\n<p>Bu yaz\u0131m\u0131zda, Almanya\u2019da banka hesab\u0131 a\u00e7man\u0131z i\u00e7in gerekli i\u015flemleri ve istenen belgelerin neler oldu\u011funu a\u00e7\u0131klayaca\u011f\u0131z. Ayr\u0131ca Almanya&#8217;da olmasan\u0131z bile uzaktan Alman banka hesab\u0131na sahip olman\u0131z\u0131 sa\u011flayan <strong><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=almanyada_euro_banka_hesabi_acmak\">Wise<\/a><\/strong> ve N26&#8217;dan bahsedece\u011fiz. <\/p>\n\n\n\n<center><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&#038;utm_source=yurtdisindayiz&#038;utm_campaign=guide&#038;utm_content=almanyada_euro_banka_hesabi_acmak\" class=\"button\">Wise Sitesine Git<\/a><\/center>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">K\u0131sa \u00f6zet: Alman banka hesab\u0131 a\u00e7mak<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>S\u0131k\u00e7a sorunlar sorular<\/strong><\/th><th><strong>Cevaplar<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>T\u00fcrk vatanda\u015flar\u0131 Almanya&#8217;da banka hesab\u0131 a\u00e7abilir mi?<\/strong><\/td><td>Almanya\u2019da oturma izni olan T\u00fcrk vatanda\u015flar\u0131 Almanya\u2019da bir bankadan hesap a\u00e7abilir.<a href=\"https:\/\/wise.com\/de\/account?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=almanyadan_turkiyede_banka_hesabi_acmak\"> <strong>Wise<\/strong><\/a> gibi online finansal teknoloji \u015firketleri ile \u00e7oklu d\u00f6viz hesab\u0131 edinebilir ve Euro hesab\u0131 a\u00e7abilirsiniz.<\/td><\/tr><tr><td><strong>Hangi Alman bankas\u0131nda hesap a\u00e7abilirim?<\/strong><\/td><td>Oturma izni dahil t\u00fcm banka hesap a\u00e7ma \u015fartlar\u0131n\u0131 sa\u011fl\u0131yorsan\u0131z, herhangi bir Alman bankas\u0131nda temel hesap (Basiskonto) a\u00e7abilirsiniz. <strong><a href=\"https:\/\/wise.com\/de\/account?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=almanyadan_turkiyede_banka_hesabi_acmak\">Wise<\/a><\/strong> veya <strong>N26<\/strong> ile online bir hesap da a\u00e7abilirsiniz.<\/td><\/tr><tr><td><strong>Almanya\u2019da \u00fccretsiz ve online olarak hesap a\u00e7mak m\u00fcmk\u00fcn m\u00fc?<\/strong><\/td><td>Evet, \u00fccretsiz ve online bir \u015fekilde Almanya\u2019da hesap a\u00e7man\u0131z m\u00fcmk\u00fcn olabilir. Ancak genellikle Alman bankalar\u0131nda hesap a\u00e7mak i\u00e7in online ba\u015fvuru yapsan\u0131z bile postaneye veya banka \u015fubesine gidip kimli\u011finizi onaylatman\u0131z gerekir. <strong><a href=\"https:\/\/wise.com\/de\/account?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=almanyadan_turkiyede_banka_hesabi_acmak\">Wise<\/a><\/strong> veya <strong>N26<\/strong> ile hesap a\u00e7t\u0131\u011f\u0131n\u0131zda t\u00fcm s\u00fcreci online olarak tamamlayabilirsiniz.<\/td><\/tr><tr><td><strong>Almanya\u2019ya gitmeden banka hesab\u0131 a\u00e7abilir miyim?<\/strong><\/td><td>Alman bankalar\u0131nda oturma izni olmadan ve Almanya\u2019ya gitmeden banka hesab\u0131 a\u00e7man\u0131z m\u00fcmk\u00fcn olmayabilir. Fakat <strong><a href=\"https:\/\/wise.com\/de\/account?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=almanyadan_turkiyede_banka_hesabi_acmak\">Wise<\/a><\/strong> veya <strong>N26<\/strong> ile online hesap a\u00e7abilirsiniz.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"almanyada-banka-hesab-nasl-aclr\">Almanya&#8217;da Banka Hesab\u0131 Nas\u0131l A\u00e7\u0131l\u0131r?<\/h2>\n\n\n\n<p>Almanya\u2019da ev kiralamak, SIM Kart almak, faturalar\u0131 \u00f6demek ve maa\u015f \u00f6demesi almak gibi i\u015flemleri yapabilmeniz i\u00e7in banka hesab\u0131n\u0131z\u0131n olmas\u0131 <strong>zorunludur<\/strong>. Bu kapsamda Almanya bankalar\u0131ndan temelde iki t\u00fcr hesap a\u00e7abilirsiniz:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Griokonto<\/strong> (Vadesiz mevduat hesab\u0131)<\/li>\n\n\n\n<li><strong>Sparkonto<\/strong> (Vadeli mevduat hesab\u0131)<\/li>\n<\/ol>\n\n\n\n<p>Almanya\u2019da banka hesab\u0131 online olarak ya da bankalar\u0131n fiziksel \u015fubeleri ziyaret edilerek a\u00e7\u0131labilir. E\u011fer Alman vatanda\u015f\u0131 de\u011filseniz her durumda Almanya\u2019da banka hesab\u0131 a\u00e7mak i\u00e7in ge\u00e7erli bir oturum izniniz olmas\u0131 gerekir. <\/p>\n\n\n\n<p>Online hesap a\u00e7\u0131l\u0131\u015f\u0131nda bankalar m\u00fc\u015fterilerinin kimli\u011finizi do\u011frulamak i\u00e7in \u201c<strong>Postident<\/strong>\u201d isimli hizmetten yararlan\u0131r. Bu hizmet, herhangi bir postanede g\u00f6revli ki\u015fiye kimli\u011finizi ve pasaportunuzu g\u00f6stermenizle ger\u00e7ekle\u015fir. Daha sonra kimlik do\u011frulama i\u015fleminin tamamland\u0131\u011f\u0131 postane taraf\u0131ndan bankaya bildirilir.<\/p>\n\n\n\n<p>Yeni bir banka hesab\u0131 a\u00e7mak \u00e7o\u011fu zaman <strong>\u00fccretsizdir<\/strong>. Ancak bankadan bankaya de\u011fi\u015fen ayl\u0131k <strong>minimum bir depozito<\/strong> <strong>\u015fart\u0131<\/strong> olabilir. Bu \u015fart\u0131n olmad\u0131\u011f\u0131 durumlarda ayl\u0131k hesap i\u015fletim \u00fccretleri devreye girebilir. Bu sebeplerle online olarak hesap a\u00e7abilece\u011finiz <strong><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=almanyada_euro_banka_hesabi_acmak\">Wise<\/a>, Revolut, N26<\/strong> gibi elektronik para kurulu\u015flar\u0131n\u0131n pop\u00fclerli\u011fi de gitgide art\u0131yor. <\/p>\n\n\n\n<p><strong>Bu yaz\u0131m\u0131zda, Wise ve N26 ile hesap a\u00e7maktan bahsedip, ard\u0131ndan Almanya&#8217;da hesap a\u00e7mak i\u00e7in gerekli belgeler, \u00fccretler ve bankalar\u0131 inceleyece\u011fiz. <\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Almanya&#8217;da Online Banka Hesab\u0131 A\u00e7mak<\/h2>\n\n\n\n<p><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=ingilterede_banka_hesabi_acmak\"><strong>Wise<\/strong><\/a><strong>, N26 ve Revolut<\/strong> gibi elektronik para kurulu\u015flar\u0131 ile Almanya&#8217;da online olarak hesap a\u00e7abilirsiniz. Ayr\u0131ca online al\u0131\u015fveri\u015flerde veya ma\u011fazalarda kullanabilece\u011finiz banka kart\u0131 hizmeti de sa\u011flarlar.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=ingilterede_banka_hesabi_acmak\"><strong>Wise<\/strong><\/a><strong>:<\/strong> Almanya\u2019da ikamet ediyorsan\u0131z, online olarak bir Wise hesab\u0131 a\u00e7abilirsiniz. Hesap a\u00e7mak ve hesab\u0131n\u0131zda para tutmak \u00fccretsizdir. Ayl\u0131k veya y\u0131ll\u0131k kullan\u0131m \u00fccretleri de bulunmaz. Uluslararas\u0131 para transferlerini ve d\u00f6viz d\u00f6n\u00fc\u015f\u00fcmlerini reel d\u00f6viz kurundan yapabilirsiniz. Wise, T\u00fcrkiye\u2019de uluslararas\u0131 para transferi hizmeti veriyor ancak Wise Hesab\u0131 a\u00e7mak hen\u00fcz T\u00fcrkiye\u2019de m\u00fcmk\u00fcn de\u011fil, fakat Almanya\u2019da ikamet ediyorsan\u0131z Wise hesab\u0131 a\u00e7abilir ve Wise kart alabilirsiniz.<\/li>\n\n\n\n<li><strong>N26:<\/strong> Avrupa\u2019da pek \u00e7ok \u00fclkede faaliyet g\u00f6steren bu sa\u011flay\u0131c\u0131 ile Almanya\u2019da bir hesap a\u00e7abilir ve bir sanal kart sahibi olabilirsiniz. \u00dccretsiz bir \u015fekilde hesab\u0131n\u0131z\u0131 a\u00e7\u0131p, \u00fccretli veya \u00fccretsiz standart \u00fcyelik paketlerinden birini se\u00e7erek temel bankac\u0131l\u0131k hizmetlerinden faydalanabilirsiniz. Banka lisans\u0131na sahip olan N26, bir elektronik finans kurulu\u015fu.  <strong>N26<\/strong> <strong>\u015fu anda T\u00fcrkiye\u2019de hizmet vermiyor.<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"wise-ile-almanyada-banka-hesab-acmak\">Wise ile Almanya\u2019da Euro Hesab\u0131 A\u00e7mak<\/h3>\n\n\n\n<p><a href=\"https:\/\/yurtdisindayiz.com\/wise-coklu-doviz-hesabi-incelemesi\/\">Wise \u00c7oklu D\u00f6viz Hesab\u0131<\/a> sayesinde Euro dahil olmak \u00fczere<strong> 10 para birimine<\/strong> ait yerel banka bilgisi edinebilir ve farkl\u0131 para birimlerinde kolayca \u00f6deme alabilirsiniz. Ayr\u0131ca bu hesaba ba\u011fl\u0131 \u00e7al\u0131\u015fan <a href=\"https:\/\/yurtdisindayiz.com\/wise-debit-kart-incelemesi\/\">Wise Kart<\/a> ile Visa kartlar\u0131n ge\u00e7erli oldu\u011fu yerde online ve fiziksel olarak al\u0131\u015fveri\u015f yapabilirsiniz.<\/p>\n\n\n\n<p>Wise Kart ve <em>Wise \u00c7oklu D\u00f6viz Hesab\u0131 hizmetleri T\u00fcrkiye\u2019de ikamet eden kullan\u0131c\u0131lar i\u00e7in hen\u00fcz mevcut de\u011fil. Ancak yurtd\u0131\u015f\u0131nda, Wise Hesab\u0131 veya Wise Kart hizmetinin bulundu\u011fu <em>Avrupa, Amerika, Avusturalya ve Kanada gibi \u00fclkelerde<\/em> ikamet ediyorsan\u0131z, Wise Hesab\u0131 a\u00e7abilir, kart ba\u015fvurusunda bulunabilirsiniz. T\u00fcrkiye\u2019de ikamet ediyorsan\u0131z, a\u015fa\u011f\u0131daki butona t\u0131klayarak Wise\u2019a kay\u0131t olabilir ve hem yurtd\u0131\u015f\u0131ndan T\u00fcrkiye\u2019ye hem de T\u00fcrkiye\u2019den yurtd\u0131\u015f\u0131na uluslararas\u0131 para transferleri ger\u00e7ekle\u015ftirebilirsiniz.<\/em><\/p>\n\n\n\n<center><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&#038;utm_source=yurtdisindayiz&#038;utm_campaign=guide&#038;utm_content=almanyada_euro_banka_hesabi_acmak\" class=\"button\">Wise Sitesine Git<\/a><\/center>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Wise\u2019\u0131n avantajlar\u0131<\/strong><\/th><th><strong>Wise\u2019\u0131n dezavantajlar\u0131<\/strong><\/th><\/tr><\/thead><tbody><tr><td>\u2705 Para de\u011fi\u015fimlerinde reel d\u00f6viz kurunu baz al\u0131r.<br>\u2705 Avrupa, Amerika ve Avusturalya\u2019da Wise hesab\u0131 a\u00e7abilmek ve kart sipari\u015fi verebilmek (Kart\u0131 T\u00fcrkiye\u2019deki al\u0131\u015fveri\u015flerinizde kullanabilirsiniz).<br>\u2705 Hesap a\u00e7mak tamamen \u00fccretsiz.<br>\u2705 \u00c7oklu d\u00f6viz hesab\u0131 ile 10 ayr\u0131 para biriminde yerel hesap detaylar\u0131na sahip olabilirsiniz.<br>\u2705 H\u0131zl\u0131, g\u00fcvenli ve d\u00fc\u015f\u00fck masraflarla para transferi sa\u011flar.<\/td><td>\u274c T\u00fcrkiye\u2019den hen\u00fcz \u00c7oklu D\u00f6viz hesab\u0131 a\u00e7\u0131lam\u0131yor ve Wise kart sipari\u015f edilemiyor.<br>\u274c ATM\u2019den \u00fccretsiz nakit para \u00e7ekme limitleri var.<br>\u274c Kredi \u00e7ekme se\u00e7ene\u011fi yok.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Wise ile Almanya\u2019da Online Hesap Nas\u0131l A\u00e7\u0131l\u0131r?<\/h4>\n\n\n\n<p>Wise ile T\u00fcrkiye\u2019den hesap a\u00e7amayaca\u011f\u0131n\u0131zdan yukar\u0131da bahsettik. Fakat Almanya\u2019da ikamet ederken bir hesap a\u00e7abilir hatta kart sipari\u015fi de verebilirsiniz. <\/p>\n\n\n\n<p><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=almanyada_euro_banka_hesabi_acmak\"><img loading=\"lazy\" decoding=\"async\" width=\"602\" height=\"292\" src=\"https:\/\/lh7-us.googleusercontent.com\/pozETAu1Ouqx-XegFq0R0-pRDiFT69dtDEC9Puuw3ZPTLng8pB50CKjop9sFavTivOvNrz2am9v24NY7QrfyxobFWea1XcjfDEa6ICdxDVyb7HJm4B49m7ahQGdelUdPwlT4ipBIl4iaD7D5_hfBbY4\"><\/a><\/p>\n\n\n\n<p>Wise \u00c7oklu D\u00f6viz Hesab\u0131 a\u00e7mak <strong>\u00fccretsizdir. A\u015fa\u011f\u0131daki ad\u0131mlar\u0131 takip ederek kolayca hesap a\u00e7abilirsiniz:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Wise uygulamas\u0131n\u0131 indirin ya da Wise internet sitesini ziyaret edin.<\/li>\n\n\n\n<li><em>Wise hesab\u0131n\u0131z\u0131 olu\u015fturun veya Kaydolun <\/em>butonuna t\u0131klay\u0131n.<\/li>\n\n\n\n<li><em>Bireysel hesap se\u00e7ene\u011fini i\u015faretleyin<\/em>.<\/li>\n\n\n\n<li>\u0130kamet etti\u011finiz \u00fclkeyi i\u015faretleyin.<\/li>\n\n\n\n<li>Hesab\u0131n\u0131z\u0131n onaylanmas\u0131n\u0131 bekleyin.<\/li>\n\n\n\n<li>Gerekli bo\u015fluklar\u0131 doldurun ve \u015fifrenizi belirleyin.<\/li>\n<\/ol>\n\n\n\n<center><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&#038;utm_source=yurtdisindayiz&#038;utm_campaign=guide&#038;utm_content=almanyada_euro_banka_hesabi_acmak\" class=\"button\">Wise Sitesine Git<\/a><\/center>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=almanyada_euro_banka_hesabi_acmak\"><img loading=\"lazy\" decoding=\"async\" width=\"754\" height=\"550\" src=\"https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/wise-account-transfer-money-1.jpg\" alt=\"\" class=\"wp-image-6188\" srcset=\"https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/wise-account-transfer-money-1.jpg 754w, https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/wise-account-transfer-money-1-300x219.jpg 300w\" sizes=\"auto, (max-width: 754px) 100vw, 754px\" \/><\/a><\/figure>\n\n\n\n<p><strong>Wise ile Almanya\u2019dan para g\u00f6nderme \u00fccretleri i\u00e7in:<\/strong> <a href=\"https:\/\/yurtdisindayiz.com\/wise-ucretleri\/\">Wise Transfer \u00dccretleri<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"n26\">N26 ile Almanya\u2019da Banka Hesab\u0131 A\u00e7mak<\/h3>\n\n\n\n<p>N26, banka lisans\u0131na sahip \u015fubesiz bir elektronik para kurulu\u015fu. Sadece Avrupa\u2019da faaliyette oldu\u011fu \u00fclkelerde ya\u015fayan ki\u015filere hizmet veriyor. Bu nedenle Almanya\u2019da oturma izniniz yoksa uygulamaya kay\u0131t olamazs\u0131n\u0131z. Durum b\u00f6yle olunca da bir\u00e7ok T\u00fcrk vatanda\u015f\u0131 N26 taraf\u0131ndan sunulan hizmetlerden ve banka kart\u0131ndan yararlanamaz.<\/p>\n\n\n\n<p>Ancak Almanya\u2019da ya\u015f\u0131yorsan\u0131z veya Almanya\u2019da oturma izniniz varsa \u00fccretsiz ve online olarak bir N26 hesab\u0131 edinebilirsiniz. Veya Almanya\u2019ya ta\u015f\u0131nma planlar\u0131n\u0131z varsa, ta\u015f\u0131n\u0131r ta\u015f\u0131nmaz bir hesap a\u00e7abilmeniz de m\u00fcmk\u00fcn. N26\u2019da para \u00e7ekme \u00fccreti, ayl\u0131k abonelik \u00fccreti ya da kredi kart\u0131 \u00fccreti bulunmuyor. Fakat N26\u2019in hali haz\u0131rda sundu\u011fu \u00e7oklu d\u00f6viz hesab\u0131 hizmeti yok.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>N26\u2019n\u0131n avantajlar\u0131<\/strong><\/th><th><strong>N26\u2019n\u0131n dezavantajlar\u0131<\/strong><\/th><\/tr><\/thead><tbody><tr><td>\u2705 Almanya\u2019da banka lisans\u0131na sahip bir elektronik kurulu\u015f.<br>\u2705 Hesap a\u00e7mak \u00fccretsiz.<br>\u2705 Ayl\u0131k \u00fcyelik \u00fccretinin olmad\u0131\u011f\u0131 standard bir plan\u0131 var.<br>\u2705 Faaliyet g\u00f6sterdi\u011fi yerlerde s\u0131n\u0131rs\u0131z ve \u00fccretsiz para \u00e7ekilebilir.<br>\u2705 Avrupa\u2019da \u00e7o\u011fu \u00fclkede faaliyet g\u00f6steriyor.<\/td><td>\u274c T\u00fcrkiye\u2019den hesap a\u00e7\u0131lam\u0131yor.<br>\u274c Kredi kart\u0131 sa\u011flam\u0131yor.<br>\u274c Kendi a\u011f\u0131 d\u0131\u015f\u0131ndaki ATM\u2019lerde 2 Dolar + %2 komisyon al\u0131yor.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">N26 ile Almanya\u2019da Online Banka Hesab\u0131 Nas\u0131l A\u00e7\u0131l\u0131r?<\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li>N26 websitesini veya mobil uygulamas\u0131n\u0131 ziyaret edin.<\/li>\n\n\n\n<li>Kaydol se\u00e7ene\u011fine t\u0131klay\u0131n.<\/li>\n\n\n\n<li>Kimlik bilgilerinizi onaylay\u0131n.<\/li>\n\n\n\n<li>Kart\u0131n\u0131z\u0131 N26 c\u00fczdan\u0131n\u0131za ekleyin.<\/li>\n\n\n\n<li>Son olarak hesab\u0131n\u0131za diledi\u011finiz gibi para y\u00fckleyerek sanal kart\u0131n\u0131z\u0131 kullanmaya ba\u015flayabilirsiniz.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-center\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/4y4_NGUshjPETAyrGPhRGZtireW76DUcRYZ4QNDWVLDGlbYxsmnw9OlTc_TyJcWCT3bRxf176_xNpBARcEGzq7e3KPtxt6UtDBjTTsRBZgHeM2EGt3PLxupxWuS_Z1pAsVlPcE3ZGv0UpD4dZ6jOnec\" width=\"602\" height=\"265\"><\/p>\n\n\n\n<p>N26 hesab\u0131n\u0131z\u0131 internet \u00fczerinden dakikalar i\u00e7inde a\u00e7t\u0131ktan sonra bir banka hesab\u0131na sahip olabilir, hesab\u0131n\u0131za para g\u00f6nderebilirsiniz. N26 hesab\u0131n\u0131za ba\u011fl\u0131 sanal bir karta da sahip olabilir ve bu kart\u0131n\u0131zdan da hesab\u0131n\u0131za y\u00fckledi\u011finiz miktar kadar harcama yapabilirsiniz.<\/p>\n\n\n\n<center><a href=\"https:\/\/yurtdisindayiz.com\/n26-banka-hesabi-acma\/\" class=\"button\">N26 hesab\u0131 nas\u0131l a\u00e7\u0131l\u0131r?<\/a><\/center>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"almanyaya-gitmeden-almanyada-banka-hesab-acmak\">Almanya&#8217;da Banka Hesab\u0131 A\u00e7mak \u0130\u00e7in Gerekli Belgeler<\/h2>\n\n\n\n<p>Almanya\u2019da ulusal bankac\u0131l\u0131k sistemini Federal Finansal Hizmetler Denetleme Kurumu (BaFin) d\u00fczenler ve kurallar da olduk\u00e7a kat\u0131d\u0131r. \u00d6rne\u011fin \u201c<strong>Anmeldebest\u00e4tigung<\/strong>\u201d ad\u0131 verilen ikametgah belgeniz yoksa Almanya\u2019daki geleneksel bankalarda hesap a\u00e7man\u0131z \u00e7o\u011fu zaman m\u00fcmk\u00fcn olmayabilir.<\/p>\n\n\n\n<p>Nadir de olsa baz\u0131 bankalar ikamet belgesi olmayan ki\u015filerin banka hesab\u0131 a\u00e7mas\u0131na izin verebilir. Ayr\u0131ca yaz\u0131m\u0131z\u0131n ileriki b\u00f6l\u00fcmlerinde ele alaca\u011f\u0131m\u0131z <a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=almanyada_euro_banka_hesabi_acmak\">Wise<\/a> gibi baz\u0131 online finans kurulu\u015flar\u0131 \u015fartlar\u0131 sa\u011flamasan\u0131z bile \u00fclkedeki bankac\u0131l\u0131k hizmetlerine eri\u015fmenizi sa\u011flar.<\/p>\n\n\n\n<p>Deutsche Bank, HypoVereinsbank, Commerzbank ve Postbank gibi Almanya\u2019n\u0131n en b\u00fcy\u00fck bankalar\u0131nda hesap a\u00e7mak istiyorsan\u0131z a\u015fa\u011f\u0131dai belgeleri sunman\u0131z gerekir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ge\u00e7erli bir pasaport<\/li>\n\n\n\n<li>Almanya oturma vizesi<\/li>\n\n\n\n<li>Anmeldebest\u00e4tigung ya da Meldebescheinigung (ikamet belgesinin g\u00fcncel hali)<\/li>\n\n\n\n<li>\u0130stihdam ya da gelir belgesi<\/li>\n\n\n\n<li>Ba\u015fvuru formu<\/li>\n<\/ul>\n\n\n\n<p>Bu belgelerin yaln\u0131zca ki\u015fisel hesaplar i\u00e7in ge\u00e7erli oldu\u011funu unutmay\u0131n. Ayr\u0131ca baz\u0131 bankalar sizden farkl\u0131 belgeler talep edebilir ve bir\u00e7ok banka hesap a\u00e7ma i\u015flemi i\u00e7in online randevu alman\u0131z\u0131 ister.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Ge\u00e7ici kimlik belgesi ile banka hesab\u0131 a\u00e7\u0131labilir mi?<\/h4>\n\n\n\n<p>E\u011fer Almanya\u2019da sizin ad\u0131n\u0131za verilmi\u015f bir ge\u00e7ici kimlik belgeniz varsa, bu kimli\u011finizi g\u00f6sterip, di\u011fer \u015fartlar\u0131 da yerine getirdi\u011finiz durumlarda banka hesab\u0131 a\u00e7abilirsiniz.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Ehliyet ile banka hesab\u0131 a\u00e7\u0131labilir mi?<\/h4>\n\n\n\n<p>Almanya\u2019da hesap a\u00e7mak i\u00e7in ehliyet ge\u00e7erli bir kimlik belgesi yerine ge\u00e7mez. Ehliyet yerine, kimli\u011finizi kan\u0131tlayabilmek i\u00e7in; ge\u00e7erli bir kimlik belgesi (veya \u00f6zel durumlarda ge\u00e7ici kimlik belgesi), ge\u00e7erli pasaportunuz, oturma izniniz, ge\u00e7ici ikamet belgesi (Aufenthaltsgestatung) gibi belgelerden birini g\u00f6stermeniz gerekir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Pasaport ile banka hesab\u0131 a\u00e7\u0131labilir mi?<\/h4>\n\n\n\n<p>E\u011fer s\u00fcresi ge\u00e7memi\u015f, ge\u00e7erli bir pasaporta sahipseniz, banka hesab\u0131 a\u00e7arken kimli\u011finizi kan\u0131tlaman\u0131z i\u00e7in ge\u00e7erli bir belge olur. Almanya\u2019da banka hesab\u0131 a\u00e7mak i\u00e7in, di\u011fer kriterleri de sa\u011fl\u0131yorsan\u0131z, kimli\u011finizi kan\u0131tlamak i\u00e7in pasaportunuzu kullanabilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Banka kart\u0131 almak i\u00e7in gerekenler<\/h2>\n\n\n\n<p>Almanya\u2019da bir hesab\u0131n\u0131z oldu\u011funda bir banka kart\u0131na sahip olmak isteyebilirsiniz. Banka kart\u0131n\u0131z\u0131 kullanarak ma\u011fazalarda veya online al\u0131\u015fveri\u015f yaparken \u00f6demelerinizi yapabilirsiniz.&nbsp;<\/p>\n\n\n\n<p>Bir Alman bankas\u0131nda hesap a\u00e7t\u0131\u011f\u0131n\u0131zda, hesab\u0131n\u0131za ba\u011fl\u0131 bir banka kart\u0131na sahip olabilirsiniz. Bu kart size direkt hesap a\u00e7\u0131ld\u0131ktan sonra verilebilirken, kimi durumlarda sonras\u0131nda posta yoluyla da size ula\u015ft\u0131r\u0131labilir. Ayr\u0131ca, <a href=\"https:\/\/wise.com\/de\/account?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=almanyadan_turkiyede_banka_hesabi_acmak\"><strong>Wise<\/strong><\/a> ve N26 gibi online hesap a\u00e7man\u0131za izin veren finansal sa\u011flay\u0131c\u0131larla internet \u00fczerinden bir hesap a\u00e7t\u0131\u011f\u0131n\u0131zda, talep etmeniz durumunda banka kart\u0131n\u0131z se\u00e7ti\u011finiz adrese g\u00f6nderilir.&nbsp;<\/p>\n\n\n\n<p><strong>Almanya\u2019da bir banka kart\u0131 alabilmek i\u00e7in \u015fu ad\u0131mlar\u0131 takip etmeniz gerekir:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bir bankada hesap a\u00e7mak i\u00e7in ba\u015fvurunuzu yap\u0131n.<\/li>\n\n\n\n<li>Bankan\u0131n y\u00f6nlendirmelerini takip edip, gerekli belgeleri sunun.<\/li>\n\n\n\n<li>Hesab\u0131n\u0131z a\u00e7\u0131l\u0131rken e\u011fer banka kart\u0131 beraberinde sunulmuyorsa ayr\u0131ca talep edin.<\/li>\n\n\n\n<li>Banka kart\u0131n\u0131z\u0131n size nas\u0131l ula\u015faca\u011f\u0131na karar verin (posta yoluyla adresinize veya kendiniz gidip postaneden veya banka \u015fubesinden almak gibi).<\/li>\n\n\n\n<li>Banka kart\u0131n\u0131za ula\u015ft\u0131\u011f\u0131nda, aktifle\u015ftirebilmek ve pin koduna eri\u015febilmek i\u00e7in bankan\u0131n size verdi\u011fi talimatlar\u0131 takip edin.<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/yurtdisindayiz.com\/wise-kart-nasil-alinir\/\"><strong>Wise kart almak<\/strong><\/a> i\u00e7in de internet sitesinden kart\u0131n\u0131z\u0131 sipari\u015f etmeniz gerekiyor.\u00a0 Kart sipari\u015f edebilmek i\u00e7in de \u00f6ncelikle bir Wise hesab\u0131 a\u00e7m\u0131\u015f olman\u0131z gerekiyor. A\u015fa\u011f\u0131daki ad\u0131mlar\u0131 takip ederek bir Wise kart sipari\u015f edebilirsiniz.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wise internet sitesinden bir hesap olu\u015fturun, hesab\u0131n\u0131z\u0131n do\u011frulanmas\u0131 i\u00e7in gerekli bilgileri iletin.\u00a0<\/li>\n\n\n\n<li>Hesab\u0131n\u0131z onayland\u0131ktan sonra, mobil uygulamadan veya websitesine girin.<\/li>\n\n\n\n<li>Se\u00e7ti\u011finiz para biriminde ilk bakiyenizi a\u00e7\u0131n ve hesab\u0131n\u0131za para y\u00fckleyin.<\/li>\n\n\n\n<li>Kart sekmesine t\u0131klayarak kart sipari\u015f etme se\u00e7ene\u011fine t\u0131klay\u0131n.<\/li>\n\n\n\n<li>Sizden istenen adres ve ki\u015fisel bilgilerini girin ve kart\u0131n\u0131z\u0131 sipari\u015f edin.<\/li>\n\n\n\n<li>\u0130\u015fte bu kadar! Art\u0131k tek yapman\u0131z gereken kart\u0131n\u0131z\u0131n size ula\u015fmas\u0131n\u0131 beklemek.\u00a0<\/li>\n\n\n\n<li>Kart\u0131n\u0131z elinize ula\u015ft\u0131\u011f\u0131nda, zarfta belirtilen y\u00f6ntemlerden birini kullanarak kart\u0131n\u0131z\u0131 aktifle\u015ftirin ve diledi\u011finiz gibi kullan\u0131n.<\/li>\n<\/ul>\n\n\n\n<p>Wise kart hakk\u0131nda daha ayr\u0131nt\u0131l\u0131 bilgi i\u00e7in <a href=\"https:\/\/yurtdisindayiz.com\/wise-kart-nasil-alinir\/\">Wise kart nas\u0131l al\u0131n\u0131r<\/a> yaz\u0131s\u0131na g\u00f6z atabilirsiniz.&nbsp;<\/p>\n\n\n\n<p><strong>N26 ile kart sipari\u015f edebilmek i\u00e7in de \u015fu ad\u0131mlar\u0131 takip etmeniz gerekir:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>N26 internet sitesine girip, bir hesap olu\u015fturun.<\/li>\n\n\n\n<li>E-posta adresinizi do\u011frulay\u0131n.<\/li>\n\n\n\n<li>N26 uygulamas\u0131n\u0131 indirin.<\/li>\n\n\n\n<li>Uygulamadaki talimatlar\u0131 takip ederek kimli\u011finizi do\u011frulay\u0131n.<\/li>\n\n\n\n<li>N26 kart sipari\u015finizi verin ve kart\u0131n\u0131z belirtilen i\u015f g\u00fcn\u00fc i\u00e7erisinde se\u00e7ti\u011finiz adresinize gelecek.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"almanyada-tercih-edilebilecek-bankalar\">Almanya&#8217;da Banka Hesab\u0131 A\u00e7abilece\u011finiz Bankalar<\/h3>\n\n\n\n<p><strong>Almanya\u2019da ikamet belgesiniz varsa <a href=\"https:\/\/yurtdisindayiz.com\/turkiyede-euro-hesabi-acmak\/\">Euro hesab\u0131<\/a> a\u00e7abilece\u011finiz g\u00fcvenilir ve k\u00f6kl\u00fc baz\u0131 bankalar a\u015fa\u011f\u0131daki gibi s\u0131ralanabilir:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Deutsche Bank<\/li>\n\n\n\n<li>Commerzbank<\/li>\n\n\n\n<li>HypoVereinsbank&nbsp;<\/li>\n\n\n\n<li>Postbank<\/li>\n\n\n\n<li>Volksbanken ve Raiffeisenbanken<\/li>\n\n\n\n<li>Deutsche Kredit Bank<\/li>\n<\/ul>\n\n\n\n<p><strong>Almanya\u2019da \u0130ngilizce m\u00fc\u015fteri deste\u011fi ve bankac\u0131l\u0131k hizmeti sunan i\u015fletmeler:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=almanyada_euro_banka_hesabi_acmak\">Wise<\/a><\/li>\n\n\n\n<li>N26<\/li>\n\n\n\n<li>Tomorrow Bank<\/li>\n\n\n\n<li>Monese<\/li>\n\n\n\n<li><a href=\"https:\/\/yurtdisindayiz.com\/revolut-nedir-nasil-kullanilir\/\" target=\"_blank\" rel=\"noreferrer noopener\">Revolut<\/a><\/li>\n\n\n\n<li>Berliner Sparkasse\u2009(sadece temel bankac\u0131l\u0131k i\u015flemleri)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Deutsche Bank hesab\u0131 a\u00e7mak<\/strong><\/h4>\n\n\n\n<p>Almanya\u2019n\u0131n en b\u00fcy\u00fck ulusal bankalar\u0131ndan biridir. Ayn\u0131 zamanda uluslaras\u0131 olarak da tan\u0131nan ve bilinen bir bankad\u0131r. \u00d6\u011frenciler ve avukat\/muhasebeci gibi farkl\u0131 meslek gruplar\u0131 i\u00e7in i\u015flerini kolayla\u015ft\u0131ran \u00f6zel se\u00e7enekleri bulunur.\u00a0<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>DKB<strong> hesab\u0131 a\u00e7mak<\/strong><\/strong><\/h4>\n\n\n\n<p>Deutsche Kredit Bank d\u00fc\u015f\u00fck i\u015fletim \u00fccretleri ya da baz\u0131 durumlarda hesap i\u015fletim \u00fccreti al\u0131nmamas\u0131yla baz\u0131lar\u0131 a\u00e7\u0131s\u0131ndan tercih sebebi olabilir. Bu banka da gittik\u00e7e pop\u00fclerle\u015fen ve online bankac\u0131l\u0131k hizmeti sunan bir bankad\u0131r. Bir\u00e7ok ATM\u2019den \u00fccretsiz para \u00e7ekme imkan\u0131 sunar.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>HypoVereinsbank <strong>hesab\u0131 a\u00e7mak<\/strong><\/strong> <\/h4>\n\n\n\n<p>\u0130talyan Unicredit banka grubunun bir par\u00e7as\u0131d\u0131r. Her ay hesaba 1500 Euro gelmesi durumunda bankan\u0131n bir\u00e7ok hizmetinden \u00fccretsiz bir \u015fekilde faydalanabilirsiniz.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Sparkasse hesab\u0131 a\u00e7mak<\/h4>\n\n\n\n<p>Sparkasse hesab\u0131 a\u00e7mak i\u00e7in bir banka \u015fubesine bizzat gidebilirsiniz, online veya posta yoluyla da ba\u015fvurabilirsiniz. Banka \u015fubesine gitti\u011finizde kimli\u011finizi veya pasaportunuzu g\u00f6stererek kimlik do\u011frulamas\u0131 yapabilirsiniz. Online ve posta yoluyla ba\u015fvurdu\u011funuzda, Postldent y\u00f6ntemiyle bir postaneye gidip kimli\u011finizi g\u00f6stererek kimlik do\u011frulama i\u015flemini ger\u00e7ekle\u015ftirirsiniz.<\/p>\n\n\n\n<p><a href=\"https:\/\/yurtdisindayiz.com\/almanyadaki-turk-bankalari\/\">Almanya\u2019daki T\u00fcrk bankalar\u0131<\/a> yaz\u0131m\u0131zda da \u00fclkedeki T\u00fcrk bankalar\u0131n\u0131n hangileri oldu\u011funu a\u00e7\u0131klam\u0131\u015ft\u0131k.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"almanyada-hesap-acma-ve-lem-ucretleri\">Almanya&#8217;da Banka Hesab\u0131 A\u00e7ma ve \u0130\u015flem \u00dccretleri<\/h2>\n\n\n\n<p>Her bankan\u0131n \u00fccret politikas\u0131 farkl\u0131 olmakla birlikte Almanya\u2019da yeni bir banka hesab\u0131 a\u00e7mak genellikle \u00fccretsiz. Baz\u0131 bankalar yeni m\u00fc\u015fterilerine belirledikleri minimum depozito bedelini hesaplar\u0131na yat\u0131rmay\u0131 \u015fart ko\u015fabilir.<\/p>\n\n\n\n<p>Ayr\u0131ca bir\u00e7ok banka hesap i\u015fletim \u00fccreti olarak sizen ayl\u0131k 3\u20ac ile 7\u20ac aras\u0131nda de\u011fi\u015fen bir miktar tahsil eder. Buna ek olarak bankalar her i\u015flem i\u00e7in ayr\u0131 ayr\u0131 i\u015flem \u00fccreti ve kredi kartlar\u0131 i\u00e7in y\u0131ll\u0131k 100\u20ac\u2019ya varan \u00fccretler talep edebilir.<\/p>\n\n\n\n<p>Farkl\u0131 d\u00f6viz kurlar\u0131n\u0131 reel d\u00f6viz kuru \u00fczerinden Euro\u2019ya d\u00f6n\u00fc\u015ft\u00fcr\u00fclebilece\u011fi Wise \u00c7oklu D\u00f6viz Hesab\u0131n\u0131 a\u00e7mak ise \u00fccretsizdir. Ayl\u0131k veya y\u0131ll\u0131k hesap i\u015fletim \u00fccretleri bulunmaz. Sadece tek seferlik Almanya\u2019dan Wise Kart sipari\u015f etmek i\u00e7in 7 Euro sipari\u015f \u00fccreti bulunur.&nbsp;<\/p>\n\n\n<div class=\"gb-container gb-container-62ed88e7\">\n\n<center><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&#038;utm_source=yurtdisindayiz&#038;utm_campaign=guide&#038;utm_content=almanyada_euro_banka_hesabi_acmak\" class=\"button\">Wise Sitesine Git<\/a><\/center>\n\n<\/div>\n\n\n<p><\/p>\n\n\n\n<p>N26\u2019da ise Premium veya standard \u00fcye olma durumunuza g\u00f6re \u00fccretler de\u011fi\u015fiklik g\u00f6sterebilir. Premium \u00fcyeliklerde N26 Mastercard dahil edilir. Standard \u00fcyelikte sanal kart\u0131 \u00fccretsiz kullanabilirken, fiziksel kart sipari\u015f bedeli tek seferlik 10 Euro olarak belirlenmi\u015f. Premium \u00fcyeliklere ayl\u0131k 4,90 Euro, 9,90 Euro ve 16,90 Euro \u00f6deyerek sahip olunabiliyor.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"almanyada-banka-secerken-neye-gre-karar-vermelisiniz\">Almanya&#8217;da Banka Se\u00e7erken Neye G\u00f6re Karar Vermelisiniz?<\/h2>\n\n\n\n<p>Almanya\u2019da banka hesab\u0131 a\u00e7arken \u00f6ncelikle \u00fclkedeki stat\u00fcn\u00fcz\u00fc g\u00f6z \u00f6n\u00fcnde bulundurmal\u0131s\u0131n\u0131z. Oturma iznine ve ikamet belgesine sahip olmak daha fazla alternatif aras\u0131nda tercih yapabilece\u011finiz anlam\u0131na gelir.<\/p>\n\n\n\n<p>Hesap a\u00e7aca\u011f\u0131n\u0131z bankay\u0131 se\u00e7erken a\u015fa\u011f\u0131dakileri g\u00f6z \u00f6n\u00fcnde bulundurabilirsiniz:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ATM Bulma Kolayl\u0131\u011f\u0131:<\/strong> Almanya\u2019da bir\u00e7ok hizmet i\u00e7in nakit paraya ihtiyac\u0131n\u0131z olmasa da ATM bulman\u0131z\u0131n kolay olmas\u0131 banka tercih ederken ilk dikkate alman\u0131z gereken noktalardan biri.<\/li>\n\n\n\n<li><strong>Y\u0131ll\u0131k ve ayl\u0131k kullan\u0131m bedelleri: <\/strong>B\u00fct\u00fcn bankalar bu bedelleri talep etti\u011fi i\u00e7in en uygun maliyetli bankay\u0131 se\u00e7mek sizi her y\u0131l y\u00fczlerce Euro \u00f6demekten kurtarabilir.<\/li>\n\n\n\n<li><strong>Para transfer \u00fccretleri: <\/strong>Geleneksel bankalar\u0131n tamam\u0131 SWIFT sistemini kulland\u0131\u011f\u0131 i\u00e7in \u00f6zellikle uluslararas\u0131 para transferlerinde y\u00fcksek \u00fccretler \u00f6demek ka\u00e7\u0131n\u0131lmaz olabilir. Dijital finans kurulu\u015flar\u0131 genellikle uygun maliyetlerle uluslararas\u0131 para transferi yapman\u0131z\u0131 sa\u011flar.<\/li>\n\n\n\n<li><strong>\u0130ngilizce deste\u011fi:<\/strong> Baz\u0131 bankalar \u0130ngilizce m\u00fc\u015fteri deste\u011fi vermeyebilir. Hen\u00fcz Almanya\u2019da yeni iseniz veya Almanca bilmiyorsan\u0131z \u0130ngilizce destek vermeyen bankalarda i\u015flem yapmakta zorlanabilirsiniz.<\/li>\n\n\n\n<li><strong>\u015eube say\u0131s\u0131: <\/strong>Geleneksel bankalar\u0131 kullanman\u0131z durumunda baz\u0131 i\u015flemler i\u00e7in banka \u015fubesini ziyaret etmeniz gerekebilir. Bu nedenle se\u00e7ti\u011finiz bankaya ait \u015fubelerin ya\u015fad\u0131\u011f\u0131n\u0131z b\u00f6lgede yayg\u0131n bir \u015fekilde bulunmas\u0131na dikkat etmeniz gerekebilir.<\/li>\n\n\n\n<li><strong>Online Hizmetler:<\/strong> G\u00fcn\u00fcm\u00fczde kolay bir online\/mobil deneyim imkan\u0131 sunmas\u0131 bankan\u0131z\u0131 se\u00e7erken ilk hesaba katman\u0131z gereken konulardan biri olabilir. Ayr\u0131ca Almanca bilmiyorsan\u0131z mobil uygulamas\u0131nda \u0130ngilizce dil se\u00e7ene\u011fi olmas\u0131 da \u00f6nemli olabilir.<\/li>\n\n\n\n<li><strong>M\u00fc\u015fteri Hizmetleri:<\/strong> M\u00fc\u015fteri hizmetleri belki ilk anda akla gelmeyebilse de \u00f6zellikle yabanc\u0131 vatanda\u015flar i\u00e7in \u00fclkeye yeni geldiklerinde bankalar\u0131na dan\u0131\u015fmalar\u0131 gereken farkl\u0131 konular olabilir. Online ya da telefonla destek alabilece\u011finiz bir bankay\u0131 tercih sebebi olabilir.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"almanyaya-gitmeden-almanyada-banka-hesab-acmak\">Almanya\u2019ya Gitmeden T\u00fcrkiye&#8217;den Banka Hesab\u0131 A\u00e7mak<\/h2>\n\n\n\n<p>T\u00fcrkiye\u2019de iken Almanya\u2019da banka hesab\u0131 a\u00e7man\u0131z m\u00fcmk\u00fcn olmayabilir. Hatta Alman vatanda\u015flar\u0131 bile kimlik do\u011frulama ad\u0131m\u0131n\u0131 tamamlayamayaca\u011f\u0131 i\u00e7in Almanya d\u0131\u015f\u0131ndayken online olarak banka hesab\u0131 a\u00e7amayabilirler.<\/p>\n\n\n\n<p>Ancak bu durum Almanya\u2019daki bankac\u0131l\u0131k hizmetlerinden mahrum kalaca\u011f\u0131n\u0131z anlam\u0131na gelmez. <strong><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=almanyada_euro_banka_hesabi_acmak\">Wise<\/a><\/strong> ve <strong>N26<\/strong> gibi elektronik para kurulu\u015flar\u0131 Euro ile \u00f6deme alabilece\u011finiz yerel bir banka hesab\u0131 tahsil eder.&nbsp;\u00dcstelik bu kurulu\u015flar d\u00fcnyan\u0131n \u00f6nde gelen devlet kurumlar\u0131 taraf\u0131ndan d\u00fczenlenir ve tamamen yasald\u0131r.&nbsp; Ayr\u0131ca Work and Travel (WAT) ve Erasmus gibi de\u011fi\u015fim programlar\u0131yla k\u0131sa s\u00fcreli\u011fine yurt d\u0131\u015f\u0131na gidecekseniz bu kurulu\u015flar\u0131 kullanabilirsiniz.<\/p>\n\n\n\n<p>*<em>T\u00fcrkiye\u2019de Wise veya N26 hesab\u0131 a\u00e7mak hen\u00fcz m\u00fcmk\u00fcn de\u011fil (\u015eubat 2024).<\/em><\/p>\n\n\n\n<p>T\u00fcrkiye\u2019den Wise hesab\u0131 a\u00e7amazs\u0131n\u0131z ama Wise hesab\u0131 a\u00e7\u0131labilen bir \u00fclkede ikamet ediyorsan\u0131z, Wise hesab\u0131n\u0131z\u0131 a\u00e7abilirsiniz. T\u00fcrkiye&#8217;ye veya T\u00fcrkiye&#8217;den yapt\u0131\u011f\u0131n\u0131z para transferlerinde Wise para transferini, T\u00fcrkiye ziyaretlerinizde Wise kart\u0131n\u0131z\u0131 kullanabilirsiniz. \u015eu anda Wise hesab\u0131 a\u00e7abilecek oldu\u011funuz \u00fclkeler aras\u0131nda Avrupa Birli\u011fi \u00fclkeleri, Amerika, Avusturalya ve Kanada bulunuyor. Bu \u00fclkelerden birinde ya\u015f\u0131yorsan\u0131z Wise hesab\u0131 a\u00e7mak m\u00fcmk\u00fcn.<\/p>\n\n\n\n<p><em>1 \u015eubat 2024 itibari ile N26 hesab\u0131 a\u00e7abilece\u011finiz \u00fclkeler \u015funlar:<\/em><\/p>\n\n\n\n<p><em>Avusturya, Bel\u00e7ika, Danimarka, Estonya, Finlandiya, Fransa (sadece Avrupa topraklar\u0131 i\u00e7in ge\u00e7erli), Almanya, Yunanistan, \u0130zlanda, \u0130rlanda, Letonya, Lihten\u015ftayn, Litvanya, L\u00fcksemburg, Hollanda, Norve\u00e7, Polonya, Portekiz, Slovakya, Slovenya, \u0130spanya, \u0130sve\u00e7 ve \u0130svi\u00e7re.<\/em><\/p>\n\n\n\n<center><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&#038;utm_source=yurtdisindayiz&#038;utm_campaign=guide&#038;utm_content=almanyada_euro_banka_hesabi_acmak\" class=\"button\">Wise Sitesine Git<\/a><\/center>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u0130lginizi \u00e7ekebilir<\/strong>: <a href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-online-banka-hesabi-acmak\/\">Yurtd\u0131\u015f\u0131nda Online Banka Hesab\u0131 A\u00e7mak<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"almanyada-irket-banka-hesab-acmak\">Almanya&#8217;da \u015eirket Banka Hesab\u0131 A\u00e7mak<\/h2>\n\n\n\n<p>\u015eirketinizi Almanya\u2019ya a\u00e7mak istiyorsan\u0131z \u00f6ncelikle yurt d\u0131\u015f\u0131nda ge\u00e7erli bir i\u015fletme hesab\u0131n\u0131z olmas\u0131 gerekir. \u00c7\u00fcnk\u00fc Almanya\u2019da bir i\u015fletme hesab\u0131na sahip olmak para transferlerini ve \u00f6demeleri daha d\u00fc\u015f\u00fck maliyetle yapmak anlam\u0131na gelir.&nbsp;<\/p>\n\n\n\n<p>Yerel bir banka hesab\u0131n\u0131z yoksa para birimi d\u00f6n\u00fc\u015ft\u00fcr\u00fcrken d\u00f6viz kurlar\u0131ndaki makas nedeniyle \u00f6nemli paralar kaybedebilirsiniz.<\/p>\n\n\n\n<p><strong>Almanya\u2019da i\u015fletme hesab\u0131 a\u00e7mak<\/strong> i\u00e7in genellikle \u015fu \u00fc\u00e7 belgeye ihtiya\u00e7 duyars\u0131n\u0131z:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u015eirket kurulu\u015f belgesi<\/li>\n\n\n\n<li>\u015eirketin resmi olarak faaliyet g\u00f6sterdi\u011fini kan\u0131tlayan kurumsal belgeler<\/li>\n\n\n\n<li>\u015eirkete atanan y\u00f6neticinin kimli\u011fi<\/li>\n<\/ul>\n\n\n\n<p>Ayr\u0131ca bankalar kendi g\u00fcvenlik politikalar\u0131 do\u011frultusunda farkl\u0131 belgeler talep edebilir.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/yurtdisindayiz.com\/wise-isletme-hesabi-rehberi\/\">Wise \u0130\u015fletme Hesab\u0131<\/a> ise Almanya\u2019ya gitmeden, online olarak hesap a\u00e7man\u0131z\u0131 sa\u011flar. Kay\u0131t esnas\u0131nda i\u015fletmeye ait tescil ve konum bilgileri ile pay sahiplerinin ki\u015fisel bilgilerini Wise ile payla\u015fman\u0131z yeterli. Ard\u0131ndan Wise belgeleriniz k\u0131sa s\u00fcrede do\u011frular ve hesab\u0131n\u0131z\u0131 kullan\u0131ma haz\u0131r hale getirir.<\/p>\n\n\n\n<p><strong>\u0130lginizi \u00e7ekebilir:<\/strong> <a href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-sirket-banka-hesabi-acmak\/\">Yurtd\u0131\u015f\u0131nda \u015eirket Banka Hesab\u0131 A\u00e7mak<\/a>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Meldebescheinigung nedir?<\/h2>\n\n\n\n<p>Almanya\u2019ya yeni ta\u015f\u0131nman\u0131z veya adres de\u011fi\u015fikli\u011fi yapman\u0131z durumunda yeni adres bilgilerinizi bildirmeniz hukuki bir zorunluluk. Zaman\u0131nda bildirilmeyen ikamet de\u011fi\u015fiklikleri para cezalar\u0131na tabii olabilir. Bu nedenle Almanya\u2019da ikamet ediyorsan\u0131z hemen yetkili kurumlarla ikamet kayd\u0131n\u0131z\u0131 yapt\u0131rmak i\u00e7in ileti\u015fime ge\u00e7meniz gerekir.<\/p>\n\n\n\n<p>\u0130kamet kayd\u0131n\u0131 yapt\u0131rabilmek i\u00e7in:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kimlik veya pasaportunuz,<\/li>\n\n\n\n<li>Varsa elektronik oturum izniniz,<\/li>\n\n\n\n<li>Kira s\u00f6zle\u015fmeniz<\/li>\n<\/ul>\n\n\n\n<p>Gerekli belgeler aras\u0131nda. Gerekli belgeleri sunduktan sonra ikamet kayd\u0131n\u0131z yap\u0131l\u0131r ve size <strong>Meldebescheinigung <\/strong>yani <strong>\u0130kamet Belgeniz<\/strong> verilecek.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Postident uygulamas\u0131 nedir, nas\u0131l kullan\u0131l\u0131r?<\/h2>\n\n\n\n<p>Postident uygulamas\u0131, Almanya\u2019da banka hesab\u0131 a\u00e7\u0131lmas\u0131, ad\u0131n\u0131za kay\u0131tl\u0131 bir sim kart\u0131 aktifle\u015ftirmeniz veya sa\u011fl\u0131k bilgilerine eri\u015febilmeniz gibi hassas bilgilerin gerekli olabilece\u011fi durumlarda kimli\u011finizi teyit edebilmeniz i\u00e7in kullan\u0131l\u0131r. Postident uygulamas\u0131n\u0131n istendi\u011fi bir durumda yapman\u0131z gereken size ait kimli\u011finizle bir postaneye gidip, postane g\u00f6revlisine hangi nedenle buna ihtiya\u00e7 duydu\u011funuzu belirtip, kimli\u011finizi yetkili ki\u015fiye g\u00f6stermek. B\u00f6ylelikle kimli\u011finiz resmi olarak teyit edilmi\u015f olur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Almanya\u2019da IBAN alma<\/h2>\n\n\n\n<p>Almanya\u2019da fiziksel olarak bulunmuyor olsan\u0131z bile \u00e7e\u015fitli nedenlerden dolay\u0131 bir Alman hesap numaras\u0131na ihtiyac\u0131n\u0131z olabilir. Freelance \u00e7al\u0131\u015f\u0131yorsan\u0131z, Alman bir \u015firket \u00f6demeleri sadece DE ile ba\u015flayan bir hesaba yapmak istiyor olabilir veya sizden bir euro hesab\u0131 iban numaras\u0131 talep edebilir. <\/p>\n\n\n\n<p>Bu durumda e\u011fer Almanya\u2019da oturma izniniz veya vatanda\u015fl\u0131\u011f\u0131n\u0131z varsa Wise veya N26 gibi online hizmet veren para kurulu\u015flar\u0131ndan faydalanabilirsiniz. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>N26<\/strong> ile bir hesap a\u00e7arsan\u0131z DE ile ba\u015flayan bir IBAN&#8217;a sahip olabilirsiniz.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=almanyada_euro_banka_hesabi_acmak\">Wise<\/a><\/strong> ile online bir hesap a\u00e7t\u0131\u011f\u0131n\u0131zda ise BE ile ba\u015flayan yani bir Bel\u00e7ika IBAN numaras\u0131na sahip olabilirsiniz. Fakat her iki \u00fclke de Euro b\u00f6lgesi olduklar\u0131 i\u00e7in, Wise ile a\u00e7aca\u011f\u0131n\u0131z hesab\u0131 da Almanya\u2019da kullanabilirsiniz.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zet\">\u00d6zet: Almanya&#8217;da Banka Hesab\u0131 Nas\u0131l A\u00e7\u0131l\u0131r?<\/h2>\n\n\n\n<p>Almanya\u2019ya ta\u015f\u0131n\u0131yorsan\u0131z ya da e\u011fitim ama\u00e7l\u0131 bir s\u00fcre orada olacaks\u0131n\u0131z yapman\u0131z gereken ilk \u015fey bir banka hesab\u0131 a\u00e7mak ve banka kart\u0131 edinmek olabilir. Bu sayede d\u00f6viz i\u015flemlerinizi \u00e7ok daha kolay ve masrafs\u0131z ger\u00e7ekle\u015ftirebilir ve al\u0131\u015fveri\u015flerinizde banka kart\u0131n\u0131z\u0131 kullanabilirsiniz.<\/p>\n\n\n\n<p>Ancak \u00fclkede yeniyseniz ve hen\u00fcz ikamet belgeniz yoksa yerel banka hesab\u0131 a\u00e7man\u0131z m\u00fcmk\u00fcn olmaz. B\u00f6yle durumlarda Wise, size yerel bir hesap numaras\u0131 ve banka kart\u0131 sa\u011flayabilir.&nbsp;A\u015fa\u011f\u0131daki butona t\u0131klayarak \u00fccretsiz olarak Wise hesab\u0131 a\u00e7abilir ve Euro hesap bilgileri edinebilirsiniz. <\/p>\n\n\n\n<center><a href=\"https:\/\/wise.com\/gb\/account\/?utm_medium=affiliate&#038;utm_source=yurtdisindayiz&#038;utm_campaign=guide&#038;utm_content=almanyada_euro_banka_hesabi_acmak\" class=\"button\">Wise Sitesine Git<\/a><\/center>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1672148165317\"><strong class=\"schema-faq-question\">T\u00fcrkiye\u2019den Almanya&#8217;da banka hesab\u0131 nas\u0131l a\u00e7\u0131l\u0131r?<\/strong> <p class=\"schema-faq-answer\">T\u00fcrkiye\u2019de iken Almanya\u2019da banka hesab\u0131 a\u00e7man\u0131z m\u00fcmk\u00fcn de\u011fil. Ancak Almanya\u2019dan a\u00e7aca\u011f\u0131n\u0131z bir Wise \u00c7oklu D\u00f6viz Hesab\u0131 sayesinde online olarak Euro hesab\u0131 a\u00e7abilir ve hesap bilgileri edinebilirsiniz.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1672148173100\"><strong class=\"schema-faq-question\">Almanya&#8217;da banka hesab\u0131 nas\u0131l a\u00e7\u0131l\u0131r?<\/strong> <p class=\"schema-faq-answer\">Almanya\u2019da banka hesab\u0131 bankalar\u0131n \u015fubeleri ziyaret edilerek ya da online olarak a\u00e7\u0131labilir. Ancak \u015fube ziyareti \u00f6ncesi genellikle bankan\u0131n internet sitesinden randevu al\u0131nmas\u0131 gerekir. Wise, N26 ve Revolut gibi alternatiflerle online olarak Almanya\u2019da hesap a\u00e7man\u0131z m\u00fcmk\u00fcn olabilir.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1672148186066\"><strong class=\"schema-faq-question\">Almanya&#8217;da T\u00fcrk banka kartlar\u0131 ge\u00e7erli olur mu?<\/strong> <p class=\"schema-faq-answer\">\u00dczerinde Visa\/MasterCard logosu bulunan T\u00fcrk banka kartlar\u0131 Almanya\u2019da ge\u00e7erlidir. Ancak baz\u0131 bankalara ait kartlar\u0131 yurt d\u0131\u015f\u0131nda kullanabilmek i\u00e7in \u00f6ncelikle bankay\u0131 araman\u0131z ve kart\u0131n yurt d\u0131\u015f\u0131 kullan\u0131m\u0131na a\u00e7t\u0131rman\u0131z gerekebilir.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1672148199484\"><strong class=\"schema-faq-question\">Almanya&#8217;da online banka hesab\u0131 a\u00e7abilir miyim?<\/strong> <p class=\"schema-faq-answer\">Oturum izniniz yoksa Almanya\u2019da geleneksel bankalardan hesap a\u00e7amazs\u0131n\u0131z. Ancak Wise, N26 ve Revolut gibi elektronik para kurulu\u015flar\u0131 ile Almanya\u2019da online banka hesab\u0131 a\u00e7abilirsiniz.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1672148214832\"><strong class=\"schema-faq-question\">Almanya&#8217;da banka hesab\u0131 a\u00e7mak i\u00e7in ne kadar gerekir?<\/strong> <p class=\"schema-faq-answer\">Almanya\u2019da banka hesab\u0131 a\u00e7mak \u00e7o\u011fu zaman \u00fccretsizdir ancak baz\u0131 bankalar hesab\u0131n\u0131z\u0131n aktif olmas\u0131 i\u00e7in 25 \u20ac ile 100 \u20ac aras\u0131nda depozito bedeli yat\u0131rman\u0131z\u0131 isteyebilir. Wise, N26 ve Revolut gibi online alternatiflerle \u00fccretsiz olarak hesap a\u00e7abilirsiniz. Wise hesab\u0131nda ayl\u0131k abonelik ya da hesap i\u015fletim \u00fccretleri bulunmaz, N26 ve Revolut ise ayl\u0131k abonelik \u00fccretleri de\u011fi\u015fen \u00e7e\u015fitli paketlere sahiptir. <\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u0130\u015f, e\u011fitim veya turizm nedeniyle Almanya\u2019da bulunuyor veya ta\u015f\u0131nmay\u0131 planl\u0131yorsan\u0131z Almanya\u2019da bir banka hesab\u0131 a\u00e7man\u0131z gerekebilir. Almanya\u2019da bir banka hesab\u0131 &#8230; <a title=\"Almanya\u2019da Banka Hesab\u0131 A\u00e7mak [2024]\" class=\"read-more\" href=\"https:\/\/yurtdisindayiz.com\/almanyada-euro-banka-hesabi-acmak\/\" aria-label=\"More on Almanya\u2019da Banka Hesab\u0131 A\u00e7mak [2024]\">Devam\u0131 \u0130\u00e7in<\/a><\/p>\n","protected":false},"author":1,"featured_media":1851,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1849","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yurtdisinda-yasamak","resize-featured-image"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Almanya\u2019da Banka Hesab\u0131 Nas\u0131l A\u00e7\u0131l\u0131r? - Online &amp; \u00dccretsiz | Yurtd\u0131\u015f\u0131nday\u0131z<\/title>\n<meta name=\"description\" content=\"[2024 G\u00fcncel] Almanya&#039;da banka hesab\u0131 a\u00e7mak T\u00fcrkiye&#039;den m\u00fcmk\u00fcn m\u00fc? 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