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Discover Germany

Prepare for expat living with our handy guides to life, work and managing your money in Germany.

Want to move to Germany?

A popular choice for expats, Germany is a compelling mix of modern innovation and proud tradition. Managing your money when you move can help you make the most of everything the country has to offer.

The weather can be unpredictable, changing from year to year and region to region, so it can be a good idea to make sure you’re prepared.

No matter where in Germany you move to, each area has its own fascinating character – from the industrial energy of the Ruhr Valley to Munich’s striking architecture and the beautiful hills of Stuttgart. If you're looking for a welcoming place to raise a family while you develop your career, you may want to consider Germany.

Working in Germany

With a wide range of industries, Germany can give expats the opportunity to develop their careers. With its central location, you can get a firm foothold in European business as it shares borders with 9 European countries, including Switzerland and France.

Understanding the country’s business etiquette can be the key to your success. In some industries, there’s a strong separation between work and private life.

Productivity, time-keeping and forward-thinking are valued in a working environment, and many German business dealings are defined by directness. Business hours are usually from 09:00 to 17:00, Monday to Friday.

Explore life in Germany

If you’re considering moving to Germany, read our guide to working life, education and accommodation.

Germany has a rich culture, natural beauty and high living standards which make it very appealing to expats.

Should you get an offshore bank account?

An offshore account can be useful for expats looking to keep some money in a central location, rather than one specific country or region. 

Our Expat Bank Account is an offshore account that comes with a range of benefits, including:

  • A Global Money Account - Make quick and easy payments across borders.
  • Relationship manager - Someone to help you and your family manage your money.
  • Online and on mobile - Manage your banking, FX and investments wherever, whenever.

You can set your account up in USD, EUR or GBP and you can hold it alongside accounts in the country you're leaving or the one you're moving to.

Top tips

Here's what expats have told us about living in Germany.

Check out everything thoroughly in advance. Everything here is difficult for an expat, especially health insurance and the ability to get a job without a German university degree.
If you plan to stay for a long term, you can exchange your foreign drivers license for a German one within the first three months. After that time window, you will need to attend a driving school (it's in German). Its lengthy and expensive - avoid that if you can
You need to know that the German tax system is complicated. Taxation is on global income.

You might be interested in

Discover how offshore bank accounts can help you manage your international finances.
Looking to build better financial future abroad? Discover our plan to help you get there.
Read our 10-step guide to moving abroad to make sure you've got everything covered.

Additional information

    All Expat Explorer survey data, including the tips in quotation marks, is provided by HSBC.

    All other content is provided by, Globe Media Ltd and was last updated in July 2023. HSBC accepts no responsibility for the accuracy of this information.

    This information is purely for orientation and to inspire further research, it does not constitute advice and no liability is accepted to recipients acting independently on its contents. The views expressed are subject to change.

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