Online banking
Banks and fintech services with German / Austrian / Swiss IBANs that can be opened online — some without Anmeldung, with multilingual support, low monthly fees and fast SEPA transfers.
We have reviewed services that are most useful for people in the diaspora — banks that work remotely, fast money transfers, health insurance tailored to newcomers, lawyers and translators experienced with Serbian cases.
Affiliate links — transparent
Some links on this page are affiliate links: if you open an account or buy a service through one of them, the partner may pay us a small commission. The price for you does not change. This helps us keep Dijaspora free and ad-free. Selection criteria and full methodology are available in our legal notice.
Banks and fintech services with German / Austrian / Swiss IBANs that can be opened online — some without Anmeldung, with multilingual support, low monthly fees and fast SEPA transfers.
Statutory (GKV) and private (PKV) health insurance in Germany, plus equivalents in Austria (ÖGK) and Switzerland (KVG). Particularly for newcomers, freelancers and families enrolling children.
Online services for sending EUR/CHF to Serbia — fast, with transparent exchange rates and low fees. An alternative to Western Union and traditional bank transfers.
Carriers with affordable plans, good roaming in the EU/Serbia and contract-free options — suitable for people who travel frequently between DACH and Serbia.
Lawyers and law firms experienced with Serbian cases — residence permits, citizenship, diploma recognition, inheritance and real estate. Speaking Serbian, German or English.
Sworn (certified / vereidigte) translators for Serbian–German and Serbian–English language pairs. Required for official documents such as certificates, diplomas, court rulings and contracts.
Online schools, courses and platforms for learning German (A1–C2), preparation for Goethe / ÖSD / telc exams, and specialised courses (Pflegedeutsch, medical German).
Tax advisors (Steuerberater) and online tools for tax returns (Steuererklärung) in Germany and Austria — including dual-residency cases, income from Serbia, and deductions for families abroad.
Our selection criteria, in order of priority: (1) quality of service — verified through real cases or based on public reviews, (2) price and transparency — no hidden fees, (3) availability of Serbian/English support, and only at the end (4) the existence of an affiliate program.
We will not recommend a service just because it pays commission. For full methodology, see our legal notice.