Bank AI
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Germany

Germany banking app - connect 1,151+ banks in one place

Germany is Bank AI's largest launch market by raw bank coverage. With 1,151 activated connectors across the public Sparkasse network, the cooperative Volksbanken-Raiffeisenbanken pillar, the major commercial banks, the direct banks and the home-grown neobanks, Bank AI gives German households a single, AI-native view of every account they actually hold.

Active connectors
1,151
Retail coverage
95%
Regulator
BaFin
Currency
EUR

Why Bank AI

Three things you should know:

  • Germany has the largest banking system in continental Europe by branch count, with roughly 1,500 individual licensed institutions across the public, cooperative and private pillars.

  • BaFin regulates account-information services under PSD2; AISP licences are passportable across the EU under the Single Market.

  • Most German bank connections still rely on the FinTS/HBCI standard alongside PSD2 APIs, which is why Bank AI's coverage extends to long-tail Sparkassen and Volksbanken.

Banks we support

  • Deutsche Bank

    Major retail and corporate

    Germany's largest commercial bank by assets, headquartered in Frankfurt.

  • Commerzbank

    Major retail and SME

    Frankfurt-headquartered universal bank with a heavy SME and Mittelstand focus.

  • Sparkasse

    Public savings-bank network

    The Sparkassen-Finanzgruppe is Germany's largest savings-bank network and the country's biggest banking group by branches.

  • Volksbanken Raiffeisenbanken

    Cooperative network

    Cooperative banking network covering thousands of communities, owned by their members.

  • ING Deutschland

    Direct bank

    Direct bank with millions of retail customers and one of the most-used current accounts in Germany.

  • DKB

    Direct bank

    Deutsche Kreditbank, the digital subsidiary of BayernLB, is one of the largest direct banks in the country.

  • N26

    Neobank

    Berlin-headquartered neobank with a full German banking licence and pan-European footprint.

  • Postbank

    Retail bank

    Retail brand of Deutsche Bank with a deep branch and post-office network.

  • comdirect

    Direct bank / brokerage

    Direct-banking and securities arm of Commerzbank popular with retail investors.

  • Consorsbank

    Brokerage / direct bank

    Online broker and direct bank operated by BNP Paribas in Germany.

  • HypoVereinsbank

    Major retail and corporate

    UniCredit's German retail and corporate arm.

  • Targobank

    Retail bank

    Consumer-finance focused retail bank owned by Credit Mutuel.

International banks available here

  • Revolut

    International neobank

    German customers are served by Revolut Bank UAB, the Lithuanian-licensed entity passported across the EEA.

  • Wise

    International account

    Multi-currency account; in Germany Wise operates via Wise Europe SA under its Belgian e-money licence.

Networks and groups

  • Sparkassen(350+)Public savings banks operating regionally across all 16 states.
  • Volksbanken Raiffeisenbanken(700+)Cooperative banks owned by their members.
  • PSD-Banken(14+)Cooperative banks historically tied to the Deutsche Postbank network.
  • Sparda-Banken(11+)Cooperative banks originally for railway employees, now open to all.

Don't see your bank?

Bank AI's coverage extends well beyond the names listed here, including the long tail of cooperative, regional and online-only institutions. If your bank isn't shown, get in touch and we'll confirm coverage.

Check coverage

How Bank AI works

Bank AI connects German banks under PSD2 through licensed Account Information Service Providers, with the FinTS standard used as a fallback for legacy accounts. Read access is the default - the app does not move money on your behalf unless you explicitly initiate a transfer through a licensed payment partner.

  1. 1. Connect your accounts

    Link banks, brokers, pensions and crypto wallets through PSD2-licensed open-banking partners. Read-only by default.

  2. 2. See the whole picture

    Net worth, monthly cash flow, spending, savings, investments and crypto - in your home currency, refreshed automatically.

  3. 3. Let the AI do the heavy lifting

    Categorisation, anomaly alerts, savings forecasts and a chat that answers plain-language questions about your money.

Regulation and trust

BaFin supervises payment and account-information services in Germany under the Zahlungsdiensteaufsichtsgesetz (ZAG). Account-information services that meet PSD2 requirements can be passported across the European Economic Area, which is how Bank AI offers a consistent experience whether you live in Berlin, Munich, Vienna or Zurich.

Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin)PSD2 / FinTS / EBICS

How Bank AI compares

Most German users today either glue together the Multibanking feature of one of the big banks, run a desktop tool such as MoneyMoney or StarMoney, or accept that their wealth picture lives in a spreadsheet.

Bank AIMoneyMoney, StarMoney, multibanking via Sparkasse
Multi-bank, multi-country viewYesPartial
AI assistant grounded in your real dataYesNo
EU data residency, GDPR by defaultYesPartial
Crypto-ready (in build)PartialNo

Frequently asked questions

Welche Banken in Deutschland kann ich mit Bank AI verbinden?

Bank AI verbindet sich mit den grossen Geschaftsbanken (Deutsche Bank, Commerzbank, HypoVereinsbank, Postbank), Direktbanken (ING, DKB, comdirect, Consorsbank), Neobanken (N26) und uber 1.000 Sparkassen, Volks- und Raiffeisenbanken. Die genaue Liste hangt vom Lizenzpartner ab und wird laufend erweitert.

Ist Bank AI in Deutschland reguliert?

Bank AI ist eine Geld-Management-App, keine Bank. Der Zugriff auf Kontodaten erfolgt uber lizenzierte Open-Banking-Partner, die unter PSD2 als Account Information Service Provider (AISP) zugelassen sind und von BaFin oder einer anderen EU-Aufsichtsbehorde uberwacht werden.

Wird mein BaFin-Schutz beeintrachtigt, wenn ich mein Konto verbinde?

Nein. Die Einlagensicherung deiner Bank bleibt unverandert. Bank AI liest Kontodaten standardmassig nur lesend ein und verschiebt kein Geld, ausser du startest eine entsprechende Aktion ausdrucklich uber einen lizenzierten Zahlungsdienstleister.

Wie unterscheidet sich Bank AI von Multibanking-Funktionen meiner Hausbank?

Multibanking-Funktionen einer Hausbank zeigen nur die Konten, die der jeweiligen Bankengruppe nutzen. Bank AI ist gruppenneutral: Du verbindest jede Sparkasse, Volksbank, Direktbank, Neobank, Broker und Krypto-Wallet in derselben Ansicht und erhaltst KI-Auswertungen daruber hinweg.

Was passiert mit meinen Daten unter DSGVO und BDSG?

Bank AI verarbeitet Daten in EU-Regionen, halt die Anforderungen der DSGVO und des BDSG ein und gibt dir vollstandige Auskunfts-, Berichtigungs- und Loschrechte. Personliche Finanzdaten werden niemals verkauft, und KI-Funktionen laufen nur auf Daten, die du explizit dafur freigegeben hast.

Unterstutzt Bank AI auch Konten in Osterreich und der Schweiz?

Osterreichische und Schweizer Banken werden in einer separaten Phase folgen. Wenn du auf Deutsch arbeitest, kannst du Bank AI bereits heute fur deutsche Konten nutzen und wirst informiert, sobald AT- und CH-Konten verfugbar sind.

Welche Krypto-Borsen werden in Deutschland unterstutzt?

Die Krypto-Anbindung wird zum Start gangige Wallets und ausgewahlte BaFin-konforme Borsen abdecken. Bank AI selbst verwahrt keine Kryptowerte - das ubernehmen die jeweiligen lizenzierten Verwahrer.

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🇩🇪 Germany

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