Health Insurance, Bank Account & Tax ID: Your First-Month Checklist

Once Anmeldung is done, a handful of other tasks are worth tackling early — some of them have real deadlines attached.

1. Health insurance

Health insurance is legally mandatory for everyone living in Germany. There are two systems: statutory health insurance (GKV — e.g. TK, AOK, Barmer) and private health insurance (PKV). Employees earning below the compulsory-insurance income threshold are usually required to use GKV; the self-employed, students and high earners often have a choice. Without proof of insurance, your residence permit generally won't be extended.

2. Bank account

To open a German current account (Girokonto) you typically need your passport, your Meldebescheinigung, and sometimes your tax ID. Many digital/neo-banks let you open an account by app using video identification, with no in-person appointment. A German account is required for salary payments, rent, and most contracts.

3. Tax identification number (Steuer-ID)

This is mailed automatically after Anmeldung (can take a few weeks). Your employer needs this number to run your payroll. If the letter never arrives, you can request it again online from the Federal Central Tax Office.

4. Mobile & internet

A postpaid phone contract usually requires your Meldebescheinigung, bank details, and valid ID. Prepaid SIM cards don't need a Meldebescheinigung and are a good stopgap for your first days.

5. Broadcasting fee (Rundfunkbeitrag)

Every household in Germany pays a monthly broadcasting fee, regardless of whether you own a TV. You register online with the ARD/ZDF/Deutschlandradio Beitragsservice; check their website for the current fee amount.

6. Immigration office appointment

If you entered on a national visa, it needs to be converted into a residence permit soon after arrival — book your appointment with the local Ausländerbehörde early, since waiting times can run several weeks.