[whstl]

I have seen these issues here in Germany too. Fintech-banks like N26 or Revolut used to fill the gap and give you a quick bank account before you could settle down in a permanent address.

The problem is that they require a work permission for the account, which used to be quick, but since the immigration system is now overworked, they're giving one year Visas and taking their time to give the work permission. So N26 or Revolut are only really available for European citizens (that was the reality for a few years now, dunno if it changed).

Funny enough, more traditional banks have picked up the slack and dropped the strict requirements, and you can open an account from day one of being here with them.