{"id":5139,"date":"2022-11-10T17:00:11","date_gmt":"2022-11-10T14:00:11","guid":{"rendered":"https:\/\/mukellef.co\/blog\/?p=5139"},"modified":"2025-10-07T11:25:23","modified_gmt":"2025-10-07T08:25:23","slug":"almanyada-banka-hesabi-nasil-acilir","status":"publish","type":"post","link":"https:\/\/mukellef.co\/blog\/almanyada-banka-hesabi-nasil-acilir\/","title":{"rendered":"Almanya&#8217;da Banka Hesab\u0131 Nas\u0131l A\u00e7\u0131l\u0131r?\u00a0"},"content":{"rendered":"\n<p>Avrupa Birli\u011fi&#8217;nde \u015firket kurarak Almanya\u2019da faaliyet g\u00f6stermek isteyenler i\u00e7in \u00f6n ko\u015fullardan biri de banka hesab\u0131na sahip olmakt\u0131r. Bu yaz\u0131m\u0131zda Almanya&#8217;da banka hesab\u0131 a\u00e7arken dikkat etmeniz gerekenlere yer verdik.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">\u0130\u00e7indekiler<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u0130\u00e7indekiler Tablosunu A\u00e7\/Kapat\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/mukellef.co\/blog\/almanyada-banka-hesabi-nasil-acilir\/#Almanya_Bankalarinda_Hangi_Hesap_Turleri_Acilabilir\" >Almanya Bankalar\u0131nda Hangi Hesap T\u00fcrleri A\u00e7\u0131labilir?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/mukellef.co\/blog\/almanyada-banka-hesabi-nasil-acilir\/#Mevduat_Hesabi_Girokonto\" >Mevduat Hesab\u0131 (Girokonto)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/mukellef.co\/blog\/almanyada-banka-hesabi-nasil-acilir\/#Vadeli_Mevduat_hesabi_Sparkonto\" >Vadeli Mevduat hesab\u0131 (Sparkonto)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/mukellef.co\/blog\/almanyada-banka-hesabi-nasil-acilir\/#Almanyada_Banka_Hesabi_Acarken_Nelere_Dikkat_Edilmeli\" >Almanya\u2019da Banka Hesab\u0131 A\u00e7arken Nelere Dikkat Edilmeli?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/mukellef.co\/blog\/almanyada-banka-hesabi-nasil-acilir\/#Almanyada_Banka_Hesabi_Acmanin_Yollari\" >Almanya\u2019da Banka Hesab\u0131 A\u00e7man\u0131n Yollar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/mukellef.co\/blog\/almanyada-banka-hesabi-nasil-acilir\/#Almanyada_Banka_Hesabi_Nasil_Acilir\" >Almanya\u2019da Banka Hesab\u0131 Nas\u0131l A\u00e7\u0131l\u0131r?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/mukellef.co\/blog\/almanyada-banka-hesabi-nasil-acilir\/#Isinizi_Avrupaya_Mukellef_ile_Tasiyin\" >\u0130\u015finizi Avrupa\u2019ya M\u00fckellef ile Ta\u015f\u0131y\u0131n!&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Almanya_Bankalarinda_Hangi_Hesap_Turleri_Acilabilir\"><\/span><strong>Almanya Bankalar\u0131nda Hangi Hesap T\u00fcrleri A\u00e7\u0131labilir?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Almanya\u2019da banka hesap \u00e7e\u015fitleri mevduat ve vadeli mevduat olarak ikiye ayr\u0131l\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mevduat_Hesabi_Girokonto\"><\/span><strong>Mevduat Hesab\u0131 (Girokonto)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Girokonto olarak ifade edilen bu hesap t\u00fcr\u00fc T\u00fcrkiye\u2019deki mevduat hesab\u0131na kar\u015f\u0131l\u0131k gelir. Bu hesap sayesinde Almanya\u2019da maa\u015f alma, fatura \u00f6deme ve g\u00fcndelik ihtiya\u00e7lar gibi bir\u00e7ok i\u015flemi yapabilirsiniz. Standart bir banka hesap \u00e7e\u015fidi olan mevduat hesab\u0131n\u0131 Almanya\u2019daki t\u00fcm bankalar m\u00fc\u015fterilerine sunmaktad\u0131r.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Vadeli_Mevduat_hesabi_Sparkonto\"><\/span><strong>Vadeli Mevduat hesab\u0131 (Sparkonto)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sparkonto olarak bilinen hesap t\u00fcr\u00fc, T\u00fcrkiye\u2019deki vadeli mevduat sistemi ile ayn\u0131d\u0131r. Almanya\u2019daki bankalar vadeli mevduat hesab\u0131 ile m\u00fc\u015fterilerine T\u00fcrkiye\u2019de de oldu\u011fu gibi belli bir faiz getirisi sunarlar. Vadeli mevduat hesab\u0131 a\u00e7abilmek i\u00e7in \u00f6ncelikle bir mevduat hesab\u0131n\u0131z\u0131n olmas\u0131 gerekir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Almanyada_Banka_Hesabi_Acarken_Nelere_Dikkat_Edilmeli\"><\/span><strong>Almanya\u2019da Banka Hesab\u0131 A\u00e7arken Nelere Dikkat Edilmeli?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Almanya\u2019da ilk kez banka hesab\u0131 a\u00e7\u0131yorsan\u0131z, bankalar\u0131n sundu\u011fu avantaj ve dezavantajlara odaklanman\u0131z gerekebilir. Banka hesab\u0131 a\u00e7arken ya\u015f\u0131n\u0131z, bulundu\u011funuz b\u00f6lge, se\u00e7ece\u011finiz bankan\u0131n imkanlar\u0131 ve hesab\u0131 kullan\u0131m amac\u0131n\u0131z gibi bir\u00e7ok fakt\u00f6r tercihlerinizi do\u011frudan etkiler. Buna g\u00f6re Almanya\u2019da banka hesab\u0131 a\u00e7madan \u00f6nce a\u015fa\u011f\u0131daki sorular\u0131 yan\u0131tlamak yararl\u0131 olacakt\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bankan\u0131n ATM\u2019si kolay bulunuyor mu?&nbsp;<\/li>\n\n\n\n<li>Para \u00e7ekim ve hesap \u00fccretleri ne kadar?&nbsp;<\/li>\n\n\n\n<li>\u0130nternet bankac\u0131l\u0131\u011f\u0131 hizmetleri neler?&nbsp;<\/li>\n\n\n\n<li>M\u00fc\u015fteri deste\u011fi nas\u0131l?&nbsp;<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"668\" src=\"https:\/\/mukellef.co\/blog\/wp-content\/uploads\/2024\/03\/germany-bank-account-money-euros-bills.jpg\" alt=\"Almanya banka hesab\u0131, Almanya&#039;da banka hesab\u0131 nas\u0131l a\u00e7\u0131l\u0131r? Avrupa banka hesab\u0131\" class=\"wp-image-6912\" title=\"\" srcset=\"https:\/\/mukellef.co\/blog\/wp-content\/uploads\/2024\/03\/germany-bank-account-money-euros-bills.jpg 1000w, https:\/\/mukellef.co\/blog\/wp-content\/uploads\/2024\/03\/germany-bank-account-money-euros-bills-300x200.jpg 300w, https:\/\/mukellef.co\/blog\/wp-content\/uploads\/2024\/03\/germany-bank-account-money-euros-bills-768x513.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Almanyada_Banka_Hesabi_Acmanin_Yollari\"><\/span><strong>Almanya\u2019da Banka Hesab\u0131 A\u00e7man\u0131n Yollar\u0131<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Almanya\u2019da 2016 y\u0131l\u0131ndan \u00f6nce farkl\u0131 \u015fartlar nedeniyle \u00e7ok daha zor bir \u015fekilde a\u00e7\u0131lan banka hesab\u0131n\u0131 g\u00fcn\u00fcm\u00fczde kolayca a\u00e7abilirsiniz. Ba\u015fvuru yapan ki\u015finin Almanya vatanda\u015fl\u0131\u011f\u0131 bulunuyorsa, kimlik belgesi ve ehliyet banka hesab\u0131 a\u00e7mak i\u00e7in yeterli olacakt\u0131r. Uzun s\u00fcreli oturum ve \u00e7al\u0131\u015fma amac\u0131yla hesap a\u00e7mak isteniyorsa, pasaport ile ba\u015fvuru yap\u0131lmas\u0131 gerekir. Kimlik belgesini do\u011frulayan herkes istedi\u011fi bir banka \u015fubesinden hesap a\u00e7ma i\u015flemini tamamlayabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Almanyada_Banka_Hesabi_Nasil_Acilir\"><\/span><strong>Almanya\u2019da Banka Hesab\u0131 Nas\u0131l A\u00e7\u0131l\u0131r?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Alman vatanda\u015fl\u0131\u011f\u0131 bulunmayan ve Almanya\u2019da ikamet etmeyen ki\u015filer vekaletname vererek Almanya\u2019da  banka hesab\u0131 a\u00e7abilirler. \u00d6rne\u011fin; <a href=\"https:\/\/mukellef.co\/blog\/almanyada-e-ticaret-icin-en-populer-siteler\/\">Almanya\u2019da e-ticaret<\/a> yapmak i\u00e7in bir \u015firketiniz var ve bunun i\u00e7in bir banka hesab\u0131na ihtiya\u00e7 duyuyorsunuz. Bu durumda Almanya\u2019da kay\u0131tl\u0131 bir adresiniz bulunmayaca\u011f\u0131 i\u00e7in bankalar\u0131n web sitelerinden online hesap a\u00e7man\u0131z normalde m\u00fcmk\u00fcn olmayacakt\u0131r, ancak \u00fcz\u00fclmeyin. M\u00fckellef arac\u0131l\u0131\u011f\u0131yla T\u00fcrkiye\u2019deki \u015firketinize bir Euro hesab\u0131 a\u00e7abilir ve bu hesab\u0131 Almanya\u2019daki i\u015finiz i\u00e7in kullanabilirsiniz. Size atayaca\u011f\u0131m\u0131z uzman arac\u0131l\u0131\u011f\u0131yla vekaletinizi verebilir, bu sayede Almanya&#8217;da banka hesab\u0131 a\u00e7\u0131l\u0131\u015f\u0131n\u0131z\u0131 ger\u00e7ekle\u015ftirebilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Isinizi_Avrupaya_Mukellef_ile_Tasiyin\"><\/span><strong>\u0130\u015finizi Avrupa\u2019ya M\u00fckellef ile Ta\u015f\u0131y\u0131n!&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>M\u00fckellef ile Avrupa&#8217;da \u015firket kurmak \u00e7ok kolay! Estonya \u00fczerinden Avrupa Birli\u011fi\u2019nde \u015firket kurmak, finansal s\u00fcre\u00e7leri y\u00f6netmek ve i\u015finizi b\u00fcy\u00fctmek i\u00e7in M\u00fckellef\u2019ten destek alabilirsiniz. Online banka hesab\u0131 a\u00e7\u0131l\u0131\u015f\u0131 da dahil olmak \u00fczere giri\u015fiminizin ihtiyac\u0131 olan her \u015feyi tek platformda toplayan M\u00fckellef sayesinde Estonya\u2019da hemen \u015firket kurabilirsiniz. Yeni giri\u015fiminizi ba\u015flatmak i\u00e7in M\u00fckellef\u2019e kay\u0131t olman\u0131z ve gerekli d\u00f6k\u00fcmanlar\u0131 imzalaman\u0131z yeterli. Ayr\u0131nt\u0131l\u0131 bilgi i\u00e7in <a href=\"https:\/\/mukellef.co\/ee\/\" target=\"_blank\" rel=\"noreferrer noopener\">t\u0131klay\u0131n!<\/a><\/p>\n\n\n\n\t\t<!--HubSpot Call-to-Action Code -->\n\t\t<span class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-ac0cd55a-0a4b-4886-b418-b44f22fea7e5\">\n\t\t<span class=\"hs-cta-node hs-cta-ac0cd55a-0a4b-4886-b418-b44f22fea7e5\" id=\"ac0cd55a-0a4b-4886-b418-b44f22fea7e5\">\n\t\t<!--[if lte IE 8]>\n\t\t<div id=\"hs-cta-ie-element\"><\/div>\n\t\t<![endif]-->\n\t\t<a href=\"https:\/\/cta-redirect.hubspot.com\/cta\/redirect\/5318651\/ac0cd55a-0a4b-4886-b418-b44f22fea7e5\" target=\"_blank\" rel=\"noopener\">\n\t\t<img decoding=\"async\" class=\"hs-cta-img\" id=\"hs-cta-img-ac0cd55a-0a4b-4886-b418-b44f22fea7e5\" style=\"border-width:0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/5318651\/ac0cd55a-0a4b-4886-b418-b44f22fea7e5.png\" alt=\"New call-to-action\" title=\"\">\n\t\t<\/a>\n\t\t<\/span>\n\t\t<script charset=\"utf-8\" src=\"\/\/js.hubspot.com\/cta\/current.js\"><\/script>\n\t\t<script>\n\t\thbspt.cta.load(5318651, 'ac0cd55a-0a4b-4886-b418-b44f22fea7e5', {});\n\t\t<\/script>\n\t\t<\/span>\n\t\t<!-- end HubSpot Call-to-Action Code -->\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>Avrupa Birli\u011fi&#8217;nde \u015firket kurarak Almanya\u2019da faaliyet g\u00f6stermek isteyenler i\u00e7in \u00f6n ko\u015fullardan biri de banka hesab\u0131na sahip olmakt\u0131r. Bu yaz\u0131m\u0131zda Almanya&#8217;da banka hesab\u0131 a\u00e7arken dikkat etmeniz gerekenlere yer verdik. Almanya Bankalar\u0131nda Hangi Hesap T\u00fcrleri A\u00e7\u0131labilir? Almanya\u2019da banka hesap \u00e7e\u015fitleri mevduat ve vadeli mevduat olarak ikiye ayr\u0131l\u0131r. Mevduat Hesab\u0131 (Girokonto) Girokonto olarak ifade edilen bu hesap t\u00fcr\u00fc &#8230;<\/p>\n","protected":false},"author":6,"featured_media":5150,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[1587],"tags":[],"class_list":["post-5139","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avrupada-sirket-kurmak"],"_links":{"self":[{"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/posts\/5139","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/comments?post=5139"}],"version-history":[{"count":1,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/posts\/5139\/revisions"}],"predecessor-version":[{"id":11065,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/posts\/5139\/revisions\/11065"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/media\/5150"}],"wp:attachment":[{"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/media?parent=5139"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/categories?post=5139"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/tags?post=5139"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}