{"id":3290,"date":"2025-02-22T09:42:37","date_gmt":"2025-02-22T09:42:37","guid":{"rendered":"https:\/\/emigrandoalemania.com\/?p=3290"},"modified":"2026-02-11T14:47:05","modified_gmt":"2026-02-11T14:47:05","slug":"como-abrir-uma-conta-bancaria-na-alemanha","status":"publish","type":"post","link":"https:\/\/emigrandoalemania.com\/pt\/como-abrir-una-cuenta-bancaria-en-alemania\/","title":{"rendered":"Como abrir uma conta banc\u00e1ria na Alemanha"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3290\" class=\"elementor elementor-3290\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecaa9fc e-flex e-con-boxed e-con e-parent\" data-id=\"ecaa9fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1737c4d elementor-widget elementor-widget-text-editor\" data-id=\"1737c4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Se est\u00e1 a planear emigrar para a Alemanha, \u00e9 importante ter uma conta banc\u00e1ria. Eis um guia completo, pormenorizado e f\u00e1cil de seguir sobre como abrir uma conta banc\u00e1ria na Alemanha.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d5dc53f e-flex e-con-boxed e-con e-parent\" data-id=\"d5dc53f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c7cd84 elementor-widget elementor-widget-heading\" data-id=\"4c7cd84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Revolut<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3ec2a0 elementor-widget elementor-widget-text-editor\" data-id=\"d3ec2a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">A Revolut \u00e9 uma fintech que oferece uma conta banc\u00e1ria digital com funcionalidades avan\u00e7adas para gerir o teu dinheiro. Permite-lhe fazer pagamentos internacionais, trocar moedas e receber um IBAN europeu. O Revolut tamb\u00e9m disponibiliza um cart\u00e3o de d\u00e9bito f\u00edsico e virtual para compras e levantamentos em ATM.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a3f8ab elementor-widget elementor-widget-text-editor\" data-id=\"3a3f8ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Eis os passos a seguir para abrir uma conta na Wise<\/p><ol><li><p data-pm-slice=\"1 1 []\"><strong>Iniciar o registo no Revolut:<\/strong> Descarregar a aplica\u00e7\u00e3o Revolut a partir de <a href=\"https:\/\/www.revolut.com\/referral\/?referral-code=franco9pkl!MAR1-25-AR-L2-VRT\" target=\"_blank\" rel=\"noopener\">Esta liga\u00e7\u00e3o<\/a>. Abra a aplica\u00e7\u00e3o e selecione \u00abIniciar\u00bb para come\u00e7ar o processo.<\/p><\/li><li><p data-pm-slice=\"1 1 []\"><strong style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\">Preencher o formul\u00e1rio de registo:<\/strong><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\"> Forne\u00e7a o seu n\u00famero de telefone, nome completo, endere\u00e7o de correio eletr\u00f3nico e uma palavra-passe.<\/span><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\">. Al\u00e9m disso, tem de indicar o seu endere\u00e7o f\u00edsico na Alemanha.<\/span><\/p><\/li><li><p data-pm-slice=\"1 1 []\"><strong style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\">Verificar a sua identidade:<\/strong><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\"> O Revolut exige que verifique a sua identidade para ativar a sua conta. Carregue uma foto do seu documento de identidade (bilhete de identidade, passaporte ou autoriza\u00e7\u00e3o de resid\u00eancia) e uma selfie para completar esta etapa.<\/span><\/p><\/li><li><p data-pm-slice=\"1 1 []\"><strong style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\">Abra a sua conta em euros e obtenha o seu IBAN:<\/strong><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\"> Assim que a sua conta for verificada, o Revolut atribui-lhe um IBAN europeu, que pode ser lituano (LT) ou irland\u00eas (IE). Em alguns casos, para os clientes na Alemanha, pode ser obtido um IBAN alem\u00e3o (DE).<\/span><\/p><\/li><li><p data-pm-slice=\"1 1 []\"><strong style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\">Solicite o seu cart\u00e3o de d\u00e9bito:<\/strong><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\"> A partir da aplica\u00e7\u00e3o, pode encomendar um cart\u00e3o f\u00edsico e tamb\u00e9m gerar cart\u00f5es virtuais para compras online. O cart\u00e3o f\u00edsico \u00e9 enviado por correio para o endere\u00e7o que registou.<\/span><\/p><\/li><li><p data-pm-slice=\"1 1 []\"><strong style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\">Ativa\u00e7\u00e3o e utiliza\u00e7\u00e3o da conta:<\/strong><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\"> Com o seu IBAN ativo e o cart\u00e3o ativado, pode receber pagamentos, transferir dinheiro, pagar em estabelecimentos comerciais e levantar dinheiro em caixas autom\u00e1ticas.<\/span><\/p><\/li><li><p data-pm-slice=\"1 1 []\"><strong style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\">Perguntas e respostas:<\/strong><\/p><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5a7a20 elementor-widget elementor-widget-heading\" data-id=\"c5a7a20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quanto tempo demora a ativa\u00e7\u00e3o da conta?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e08d008 elementor-widget elementor-widget-text-editor\" data-id=\"e08d008\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><p data-pm-slice=\"1 1 []\">O registo e a verifica\u00e7\u00e3o s\u00e3o normalmente conclu\u00eddos em poucas horas, embora em alguns casos possam demorar at\u00e9 24 horas.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe6b80a elementor-widget elementor-widget-heading\" data-id=\"fe6b80a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Posso utilizar o Revolut para receber o meu sal\u00e1rio na Alemanha?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20975d7 elementor-widget elementor-widget-text-editor\" data-id=\"20975d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><p data-pm-slice=\"1 1 []\">Sim, desde que tenha um IBAN compat\u00edvel (de prefer\u00eancia, um IBAN alem\u00e3o). Na maioria dos casos, os empregadores alem\u00e3es aceitam o IBAN do Revolut.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80d32da elementor-widget elementor-widget-heading\" data-id=\"80d32da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">O Revolut cobra alguma taxa de manuten\u00e7\u00e3o?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d5347d elementor-widget elementor-widget-text-editor\" data-id=\"9d5347d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><p data-pm-slice=\"1 1 []\">Depende do plano que escolher:<\/p><ul><li>Padr\u00e3o: gratuito<ul><li>IBAN europeu<\/li><li>Cart\u00e3o virtual e f\u00edsico (pode ser cobrada uma taxa de entrega).<\/li><li data-start=\"251\" data-end=\"318\">C\u00e2mbio de moeda estrangeira \u00e0 taxa de c\u00e2mbio efectiva (com um limite mensal).<\/li><li data-start=\"319\" data-end=\"398\">Levantamentos gratuitos em caixas multibanco at\u00e9 200 euros por m\u00eas (ap\u00f3s o qual se aplica uma comiss\u00e3o).<\/li><\/ul><\/li><li>Plus: 3,99\u20ac por m\u00eas<ul><li data-start=\"460\" data-end=\"488\">Tudo no plano Standard.<\/li><li data-start=\"489\" data-end=\"551\">Prote\u00e7\u00e3o de compras (reembolsos e devolu\u00e7\u00f5es alargados).<\/li><li data-start=\"552\" data-end=\"586\">Atendimento priorit\u00e1rio ao cliente.<\/li><\/ul><\/li><li>Premium: 9,99\u20ac por m\u00eas<ul><li data-start=\"651\" data-end=\"669\">Tudo mais.<\/li><li data-start=\"670\" data-end=\"700\">Seguro de sa\u00fade internacional<\/li><li data-start=\"701\" data-end=\"764\">Acesso a um limite de c\u00e2mbio mais elevado sem comiss\u00f5es<\/li><li data-start=\"765\" data-end=\"818\">Acesso \u00e0s salas de espera do aeroporto em caso de atraso do voo.<\/li><\/ul><\/li><li>Metal: 16,99\u20ac por m\u00eas<ul><li data-start=\"913\" data-end=\"934\">Todos os pr\u00e9mios<\/li><li data-start=\"935\" data-end=\"964\">Cart\u00e3o met\u00e1lico exclusivo.<\/li><li data-start=\"965\" data-end=\"1043\">Reembolso de 0,1% (na Europa) e 1% (fora da Europa) nos pagamentos por cart\u00e3o.<\/li><li data-start=\"1044\" data-end=\"1094\">Limites mais elevados para levantamentos gratuitos em ATM.<\/li><\/ul><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e860a77 elementor-widget elementor-widget-heading\" data-id=\"e860a77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">O Revolut disponibiliza um cart\u00e3o de d\u00e9bito?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4134883 elementor-widget elementor-widget-text-editor\" data-id=\"4134883\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><p data-pm-slice=\"1 1 []\">Sim, o Revolut oferece cart\u00f5es f\u00edsicos e virtuais para pagar em lojas, online e levantar dinheiro.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c8626d5 e-flex e-con-boxed e-con e-parent\" data-id=\"c8626d5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6881623 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6881623\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-93b83ef e-con-full e-flex e-con e-child\" data-id=\"93b83ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d219b7 text-center text--mobilecenter elementor-widget elementor-widget-tp-blockquote\" data-id=\"4d219b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tp-blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pt-plus-text-block-wrapper\" ><div class=\"text_block_parallax\"><div class=\"plus_blockquote quote-style-1   bl_3  tpblcls\" ><div class=\"tp-corner-box tp-corner-box-left\"><\/div><div class=\"tp-corner-box tp-corner-box-right\"><\/div><div class=\"tp-corner-box tp-corner-box-top\"><\/div><div class=\"tp-corner-box tp-corner-box-bottom\"><\/div><blockquote class=\"quote-text\"><span class=\"tp-bq-desc\"><p style=\"text-align: center\"><strong>Acabou de chegar \u00e0 Alemanha (ou est\u00e1 prestes a chegar) e ainda n\u00e3o tem o seu n\u00famero de seguro de emprego p\u00fablico e de seguran\u00e7a social? --&gt; N\u00c3O SE PREOCUPE, JUNTE-SE A N\u00d3S! <a href=\"https:\/\/emigrandoalemania.com\/pt\/como-aderir-a-um-seguro-publico-alemao\/\" target=\"_blank\" rel=\"noopener\">NESTE LINK<\/a> em 5 minutos e gratuitamente!<\/strong><\/p><\/span><\/blockquote><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b184c9 e-flex e-con-boxed e-con e-parent\" data-id=\"4b184c9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aafd694 elementor-widget elementor-widget-heading\" data-id=\"aafd694\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">S\u00e1bio<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6ba0e6 elementor-widget elementor-widget-text-editor\" data-id=\"d6ba0e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">A Wise \u00e9 uma plataforma financeira digital que lhe permite abrir uma conta multimoeda para gerir o seu dinheiro em diferentes moedas. \u00c9 muito popular pelas suas baixas taxas quando efectua transfer\u00eancias internacionais e por oferecer dados banc\u00e1rios locais em v\u00e1rias moedas, incluindo o euro.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b1cd1c elementor-widget elementor-widget-text-editor\" data-id=\"9b1cd1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Eis os passos a seguir para abrir uma conta na Wise<\/p><ol><li><p data-pm-slice=\"1 1 []\"><strong>Iniciar o registo na Wise:<\/strong> Clique em <a href=\"https:\/\/wise.com\" target=\"_blank\" rel=\"noopener\">esta liga\u00e7\u00e3o<\/a> e selecionar \u00abRegistar\u00bb para iniciar o processo.\u00a0<\/p><\/li><li><p data-pm-slice=\"1 1 []\"><strong>Preencher o formul\u00e1rio de registo:<\/strong> Forne\u00e7a o seu nome completo, endere\u00e7o de e-mail e defina uma senha segura. Al\u00e9m disso, voc\u00ea precisar\u00e1 selecionar o seu pa\u00eds de resid\u00eancia para garantir que a Wise lhe atribua os dados banc\u00e1rios apropriados.<\/p><\/li><li><p data-pm-slice=\"1 1 []\"><strong>Verificar a sua identidade:<\/strong> A Wise exige a verifica\u00e7\u00e3o da sua identidade antes que a sua conta seja ativada. Para isso, voc\u00ea precisar\u00e1 carregar fotos do seu documento de identidade (carteira de identidade, passaporte ou autoriza\u00e7\u00e3o de resid\u00eancia) e, em alguns casos, um comprovante de endere\u00e7o, como uma conta de luz ou um contrato de aluguel.<\/p><\/li><li><p data-pm-slice=\"1 1 []\"><strong>Abrir uma conta em euros:<\/strong> Uma vez na Wise, v\u00e1 para a sec\u00e7\u00e3o \u00abBalances\u00bb (Saldos) e clique em \u00abOpen a new balance\u00bb (Abrir um novo saldo). Selecione a op\u00e7\u00e3o \u00abEUR - Euro\u00bb para receber o seu IBAN europeu.<\/p><\/li><li><p data-pm-slice=\"1 1 []\"><strong>Pedir um IBAN alem\u00e3o:<\/strong> Por padr\u00e3o, a Wise atribui um IBAN belga (BE), mas voc\u00ea pode solicitar um IBAN alem\u00e3o (DE), se necess\u00e1rio. Para isso, entre em contato com o suporte da Wise explicando que voc\u00ea precisa de um IBAN alem\u00e3o para receber o seu sal\u00e1rio ou fazer transa\u00e7\u00f5es na Alemanha.<\/p><\/li><li><p data-pm-slice=\"1 1 []\"><strong>Ativa\u00e7\u00e3o e utiliza\u00e7\u00e3o da conta:<\/strong> Depois de receber o seu IBAN, pode come\u00e7ar a receber pagamentos e a transferir dinheiro para outras contas. Pode adicionar fundos por transfer\u00eancia banc\u00e1ria, cart\u00e3o de cr\u00e9dito ou cart\u00e3o de d\u00e9bito.<\/p><\/li><li>Perguntas e respostas:<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8530e59 elementor-widget elementor-widget-heading\" data-id=\"8530e59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quanto tempo demora a ativa\u00e7\u00e3o da conta?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f33fa9d elementor-widget elementor-widget-text-editor\" data-id=\"f33fa9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><p data-pm-slice=\"1 1 []\">O processo de verifica\u00e7\u00e3o pode levar de algumas horas a alguns dias, dependendo da documenta\u00e7\u00e3o apresentada.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6742902 elementor-widget elementor-widget-heading\" data-id=\"6742902\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Posso usar a Wise para receber o meu sal\u00e1rio na Alemanha?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-730ea3c elementor-widget elementor-widget-text-editor\" data-id=\"730ea3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><p data-pm-slice=\"1 1 []\">Sim, desde que tenha um IBAN alem\u00e3o (DE), pode receber o seu sal\u00e1rio sem qualquer problema.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b67d2f4 elementor-widget elementor-widget-heading\" data-id=\"b67d2f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">A Wise cobra alguma taxa de manuten\u00e7\u00e3o?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2038ac elementor-widget elementor-widget-text-editor\" data-id=\"a2038ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><p data-pm-slice=\"1 1 []\">N\u00e3o, a Wise n\u00e3o cobra taxas de manuten\u00e7\u00e3o por ter uma conta aberta.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fde54bd elementor-widget elementor-widget-heading\" data-id=\"fde54bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">A Wise fornece um cart\u00e3o de d\u00e9bito?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b63b884 elementor-widget elementor-widget-text-editor\" data-id=\"b63b884\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><p data-pm-slice=\"1 1 []\">Sim, a Wise oferece um cart\u00e3o de d\u00e9bito vinculado \u00e0 sua conta em v\u00e1rias moedas. Voc\u00ea pode us\u00e1-lo para pagar em lojas e on-line, e sacar dinheiro em caixas eletr\u00f4nicos na Alemanha e em qualquer outro lugar do mundo.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e0b1853 e-flex e-con-boxed e-con e-parent\" data-id=\"e0b1853\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3097e7e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3097e7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-80ea4e2 e-flex e-con-boxed e-con e-parent\" data-id=\"80ea4e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ef532a elementor-widget elementor-widget-heading\" data-id=\"7ef532a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">N26: banca em linha\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cf279e elementor-widget elementor-widget-text-editor\" data-id=\"0cf279e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"selectable-text copyable-text\">O N26 \u00e9 um banco em linha muito utilizado por quem chega \u00e0 Alemanha. Al\u00e9m disso, podem abrir uma conta GRATUITA mesmo antes de chegarem \u00e0 Alemanha (lembrem-se de que, ao registarem a vossa morada, ter\u00e3o de fornecer uma morada na Alemanha). A aplica\u00e7\u00e3o do N26 \u00e9 intuitiva e f\u00e1cil de utilizar, e est\u00e1 tamb\u00e9m dispon\u00edvel em ingl\u00eas.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-853969e elementor-widget elementor-widget-text-editor\" data-id=\"853969e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Eis os passos pormenorizados para abrir uma conta N26:<\/p><ol><li>Iniciar o registo N26: Clique em <a href=\"https:\/\/n26.com\/en-de\/referral\/francomm4862\" target=\"_blank\" rel=\"noopener\">esta liga\u00e7\u00e3o<\/a> e selecionar \u201cAbrir conta banc\u00e1ria\u201d para iniciar o processo.<\/li><li>Preencha o formul\u00e1rio de registo: Forne\u00e7a o seu nome completo, endere\u00e7o de correio eletr\u00f3nico e defina uma palavra-passe segura. Durante o registo, ser-lhe-\u00e1 pedido um endere\u00e7o na Alemanha (tenha em aten\u00e7\u00e3o que n\u00e3o lhe enviar\u00e3o o cart\u00e3o at\u00e9 que o solicite, mas \u00e9 importante para que aprovem a sua conta).<\/li><li>Finalmente, verifique a sua identidade: o N26 exige que verifique a sua identidade para abrir uma conta. Siga as instru\u00e7\u00f5es fornecidas na aplica\u00e7\u00e3o para concluir o processo de verifica\u00e7\u00e3o. Isto pode implicar uma videochamada ou o envio de uma fotografia do seu BI e de uma selfie (este passo \u00e9 simples e est\u00e1 em ingl\u00eas).<\/li><li>Ativa\u00e7\u00e3o do cart\u00e3o de d\u00e9bito: Assim que encomendar o seu cart\u00e3o de d\u00e9bito, o N26 enviar-lho-\u00e1. Siga as instru\u00e7\u00f5es que acompanham o cart\u00e3o para o ativar. O cart\u00e3o de d\u00e9bito N26 permite-lhe fazer compras e levantar dinheiro nas caixas autom\u00e1ticas na Alemanha e no estrangeiro. Al\u00e9m disso, poder\u00e1 levantar o seu sal\u00e1rio alem\u00e3o para esta conta.<\/li><li>Perguntas e respostas:<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75ed6bf elementor-widget elementor-widget-heading\" data-id=\"75ed6bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Como \u00e9 que posso depositar dinheiro no N26?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1813ebd elementor-widget elementor-widget-text-editor\" data-id=\"1813ebd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Na aplica\u00e7\u00e3o, v\u00e1 \u00e0 op\u00e7\u00e3o \u201cAdicionar dinheiro\u201d e selecione \u201cCash26\u201d. Aparecer\u00e1 um mapa com todos os locais onde pode depositar dinheiro na sua conta, como os supermercados Rewe. Ser\u00e1 ent\u00e3o gerado um c\u00f3digo de barras que ter\u00e1 de apresentar no balc\u00e3o da caixa (o dep\u00f3sito m\u00ednimo \u00e9 de 50 euros).<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8ca110 elementor-widget elementor-widget-heading\" data-id=\"e8ca110\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Posso utilizar o N26 para requerer um visto de trabalho e f\u00e9rias?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3146558 elementor-widget elementor-widget-text-editor\" data-id=\"3146558\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Sim, conhecemos pessoas que se candidataram com \u00eaxito ao visto Work&amp;Holiday utilizando o N26.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a83302e elementor-widget elementor-widget-heading\" data-id=\"a83302e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Posso abrir uma conta N26 a partir de outro pa\u00eds?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80197a3 elementor-widget elementor-widget-text-editor\" data-id=\"80197a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Sim, podem abrir uma conta antes de chegarem \u00e0 Alemanha, mas certifiquem-se de que fornecem um endere\u00e7o alem\u00e3o ao abrir a conta.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-daa171e elementor-widget elementor-widget-heading\" data-id=\"daa171e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00c9 poss\u00edvel descontar o meu sal\u00e1rio a N26?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5209b1 elementor-widget elementor-widget-text-editor\" data-id=\"d5209b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Sim, pode levantar facilmente o seu sal\u00e1rio da sua conta N26.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b601d2 elementor-widget elementor-widget-heading\" data-id=\"9b601d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Qual \u00e9 o pre\u00e7o mensal do N26?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9ae630 elementor-widget elementor-widget-text-editor\" data-id=\"c9ae630\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><p>Existem diferentes tipos de contas:<\/p><ul><li><p>Padr\u00e3o: gratuito<\/p><\/li><li><p>Smart: 4,90 euros por m\u00eas<\/p><\/li><li><p>Voc\u00ea: 9,90 euros por m\u00eas<\/p><\/li><li><p>Metal: 16,90 euros por m\u00eas (com esta op\u00e7\u00e3o tem o seguro de viagem inclu\u00eddo) &lt;- <strong>DICA<\/strong>!<\/p><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b2781cd e-flex e-con-boxed e-con e-parent\" data-id=\"b2781cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-119f4ea elementor-widget elementor-widget-text-editor\" data-id=\"119f4ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Se est\u00e1 pronto para come\u00e7ar a abrir a sua conta N26, basta clicar na seguinte liga\u00e7\u00e3o\u00a0<a href=\"https:\/\/n26.com\/r\/francomm4862\" target=\"_blank\" rel=\"noopener\">NESTE LINK<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a74b056 elementor-widget elementor-widget-image\" data-id=\"a74b056\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/n26.com\/en-de\/referral\/francomm4862\" target=\"_blank\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"679\" height=\"363\" src=\"https:\/\/emigrandoalemania.com\/wp-content\/uploads\/2025\/02\/Screenshot-2025-02-22-at-10.44.17.png\" class=\"attachment-large size-large wp-image-3291\" alt=\"\" srcset=\"https:\/\/emigrandoalemania.com\/wp-content\/uploads\/2025\/02\/Screenshot-2025-02-22-at-10.44.17.png 679w, https:\/\/emigrandoalemania.com\/wp-content\/uploads\/2025\/02\/Screenshot-2025-02-22-at-10.44.17-300x160.png 300w\" sizes=\"(max-width: 679px) 100vw, 679px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a954ccd elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a954ccd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3dec84 e-flex e-con-boxed e-con e-parent\" data-id=\"f3dec84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ab55f6 elementor-widget elementor-widget-heading\" data-id=\"8ab55f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Commerzbank: banco f\u00edsico\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bc7672a e-flex e-con-boxed e-con e-parent\" data-id=\"bc7672a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f233862 elementor-widget elementor-widget-text-editor\" data-id=\"f233862\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ao contr\u00e1rio do N26, o Commerzbank \u00e9 um banco f\u00edsico amplamente reconhecido e de confian\u00e7a na Alemanha, com ag\u00eancias em todo o pa\u00eds. Pessoalmente, temos contas em ambos os bancos: o N26 para o uso quotidiano do cart\u00e3o e o Commerzbank para receber o nosso sal\u00e1rio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45b9101 e-flex e-con-boxed e-con e-parent\" data-id=\"45b9101\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42fc01e elementor-widget elementor-widget-text-editor\" data-id=\"42fc01e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Eis os passos a seguir para abrir uma conta no Commerzbank:<\/p><ol><li>O processo come\u00e7a em\u00a0<a href=\"https:\/\/www.commerzbank.de\/kp\/lp\/se\/fca\/?utm_source=google&amp;utm_medium=cpc&amp;utm_campaign=CB_KGK_BR_AccountENG_KW_KGK+MGE_AO_KSEA&amp;utm_term=k__open%20commerzbank%20accountyym__pyyn__gyyc__733038365656yyp__yyd__cyya__149201245322yyt__kwd-1395390311185yyx__19899993837yyo__8739299882yy&amp;gad_source=1&amp;gclid=CjwKCAiAiOa9BhBqEiwABCdG8-K0iLWCH8JzSpaffcp2aUB7IDScJ3NpID-9BdDxkMdp-ghaKr3ROhoC_TIQAvD_BwE\" target=\"_blank\" rel=\"noopener\">ESTA LIGA\u00c7\u00c3O<\/a>\u00a0(Receber\u00e1 um b\u00f3nus de boas-vindas de 50 euros se utilizar esta liga\u00e7\u00e3o!).<\/li><li>Reunir os documentos necess\u00e1rios: Para abrir uma conta no Commerzbank, \u00e9 necess\u00e1rio ter os seguintes documentos:<ul><li>Passaporte v\u00e1lido: Certifique-se de que tem uma c\u00f3pia do seu passaporte v\u00e1lido.<\/li><li>Comprovativo de resid\u00eancia: Apresentar um comprovativo de resid\u00eancia na Alemanha, por exemplo, uma fatura de servi\u00e7os p\u00fablicos ou um contrato de arrendamento.<\/li><\/ul><\/li><li>Preencha o formul\u00e1rio com os seus dados na liga\u00e7\u00e3o fornecida. Tenha em aten\u00e7\u00e3o que a p\u00e1gina estar\u00e1 em alem\u00e3o, pelo que recomendamos que a traduza.<\/li><li>Verificar a sua identidade: O Commerzbank pedir-lhe-\u00e1 que verifique a sua identidade. Siga as instru\u00e7\u00f5es fornecidas pelo banco, que podem incluir uma videochamada ou uma visita a uma ag\u00eancia para apresentar os seus documentos. No nosso caso, tivemos de nos deslocar pessoalmente a uma ag\u00eancia do Deutsch Post, mas o processo foi r\u00e1pido e f\u00e1cil.<\/li><li>Aguarde a confirma\u00e7\u00e3o e receba os dados da sua conta: Por \u00faltimo, depois de ter apresentado a sua candidatura, aguarde a confirma\u00e7\u00e3o do Commerzbank. Receber\u00e1 os dados da sua conta por correio eletr\u00f3nico ou por correio postal.<\/li><li>Perguntas e respostas mais frequentes:<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f125aa6 elementor-widget elementor-widget-heading\" data-id=\"f125aa6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Posso abrir uma conta gratuita no Commerzbank?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bdcf91 elementor-widget elementor-widget-text-editor\" data-id=\"0bdcf91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Sim, pode ter uma conta gratuita no Commerzbank se receber o seu sal\u00e1rio ou depositar mais de 700 euros por m\u00eas. Caso contr\u00e1rio, aplica-se uma taxa mensal de 9,90 euros.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a140a27 elementor-widget elementor-widget-heading\" data-id=\"a140a27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Posso abrir uma conta no Commerzbank fora da Alemanha?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-756166f elementor-widget elementor-widget-text-editor\" data-id=\"756166f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>N\u00e3o, para abrir uma conta no Commerzbank, \u00e9 necess\u00e1rio estar registado na Alemanha.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0426937 elementor-widget elementor-widget-heading\" data-id=\"0426937\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">A aplica\u00e7\u00e3o do Commerzbank est\u00e1 em ingl\u00eas?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e7dc70 elementor-widget elementor-widget-text-editor\" data-id=\"8e7dc70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>N\u00e3o, a aplica\u00e7\u00e3o do Commerzbank est\u00e1 atualmente dispon\u00edvel em ingl\u00eas ou alem\u00e3o.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a10ccd5 e-flex e-con-boxed e-con e-parent\" data-id=\"a10ccd5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83ec3e3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"83ec3e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1228cb5 e-flex e-con-boxed e-con e-parent\" data-id=\"1228cb5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a1b539 elementor-widget elementor-widget-text-editor\" data-id=\"5a1b539\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Em suma, se tenciona emigrar para a Alemanha, \u00e9 essencial abrir uma conta banc\u00e1ria.<\/p><p>Recomendamos que tenha duas op\u00e7\u00f5es, se poss\u00edvel: um banco virtual (Wise, Revolut, N26) para as transac\u00e7\u00f5es do dia a dia e o Commerzbank para as poupan\u00e7as, a cobran\u00e7a de sal\u00e1rios e as transac\u00e7\u00f5es que exigem maior seguran\u00e7a.<\/p><p>Prepare a sua viagem com tranquilidade e certifique-se de que disp\u00f5e de uma conta banc\u00e1ria adequada \u00e0s suas necessidades.<\/p><p>Boa viagem!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b051b0 e-flex e-con-boxed e-con e-parent\" data-id=\"1b051b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ddcbf0d elementor-widget elementor-widget-text-editor\" data-id=\"ddcbf0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Outros artigos que podem ser do seu interesse:\u00a0<\/p><ul><li><a href=\"https:\/\/emigrandoalemania.com\/pt\/como-aderir-a-um-seguro-publico-alemao\/\" target=\"_blank\" rel=\"noopener\">Como aderir a um seguro p\u00fablico alem\u00e3o?<\/a>-&gt; Aprenda passo a passo como obter o seu krankenkasse e n\u00famero de seguran\u00e7a social!<\/li><li><a href=\"https:\/\/emigrandoalemania.com\/pt\/aplicacoes-essenciais-para-viver-na-alemanha\/\" target=\"_blank\" rel=\"noopener\">10 aplica\u00e7\u00f5es essenciais para viver na Alemanha<\/a>\u00a0-&gt; Descarregue as aplica\u00e7\u00f5es necess\u00e1rias para facilitar a sua vida na Alemanha!\u00a0<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Vai para a Alemanha? Dizemos-lhe como abrir uma conta no N26 ou no Commerzbank de forma r\u00e1pida e f\u00e1cil. Guia pormenorizado: requisitos, passos e vantagens<\/p>","protected":false},"author":1,"featured_media":4271,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[39],"tags":[36],"class_list":["post-3290","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tramites-al-llegar","tag-recienllegado"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Como abrir una cuenta bancaria en Alemania - Emigrando a Alemania<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/emigrandoalemania.com\/pt\/como-abrir-uma-conta-bancaria-na-alemanha\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Como abrir una cuenta bancaria en Alemania - Emigrando a Alemania\" \/>\n<meta property=\"og:description\" content=\"Te vas a Alemania? 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