The SCHUFA-freie Konten im Inland & im Ausland sales page, captured 2026-09-23
SCHUFA-freie Konten im Inland & im Ausland review
A German report on opening a bank account when your Schufa score keeps getting you refused
By the RJ Editorial Team. Sales page checked 2026-09-23. Last updated 2026-09-23.
Is it worth it?
If your bank has closed your Girokonto, or you have been turned down twice and you are now wondering where your salary is supposed to land and how the rent gets paid, you already know how fast this becomes the problem behind every other problem. This is a German-language PDF about getting an account anyway. Roughly half of it is about pushing back on German banks: the ZKA declaration, four escalating stages of showing a bank you know where you stand, and four complaint letters you can copy. The rest is a country-by-country run through Austria, Switzerland, Luxembourg, the UK, Spain, Poland, Czechia and Slovakia, plus a few account structures and two credit cards the author rates. The letters and the escalation approach are the genuinely useful part, because most people take a refusal and walk away. The 98 percent success figure is the author's own claim with nothing behind it. The bigger gap is what the page never mentions: since 2016 German law gives everyone the right to a Basiskonto regardless of Schufa, and banks have to answer an application within a set period. Know that before paying for tips about it. The foreign chapters are the part most likely to have aged, since identity and residency checks abroad have tightened considerably.
Pros
- Ready-to-send complaint letters you can adapt in an evening
- Focuses on a specific, practical problem rather than general money advice
- One-off payment, instant download, nothing recurring
- Covers both private and business account situations
Cons
- German only, and written for German banking rules
- Foreign account chapters are likely dated given tighter ID checks
- Page states no price, page count or publication date, and the 98 percent claim has no evidence behind it
What you get
A German-language PDF report by Benno von Urbanowsky. Contents include the ZKA declaration, four escalating stages for showing a bank you know the legal position, four copy-and-send complaint letters, the two-account strategy, the Verrechnungskonto and Trio approaches, two credit card recommendations, a BaFin warning, and country chapters on Austria, Switzerland, Luxembourg, the UK, Spain, Poland, Czechia and Slovakia.
Before you buy
- Look up the Basiskonto first, it is a legal right in Germany and costs nothing to apply for
- Check when the report was last updated, since banking rules have changed a lot
- Confirm the refund terms and that delivery is an immediate download
Who it suits
Someone in Germany who has actually been refused an account and wants a practical way to argue back rather than give up
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