Banque et finances — Allemands

Moving from euros to a rupee life is straightforward for German movers, but keep a German banking foothold and move money efficiently.

Keep a German account

Retain at least one German account for euro income, pensions and any German property. Inform the bank of your change of residence: your Freistellungsauftrag (tax-exemption order) and church-tax status change once you deregister, and some products may be adjusted. Direct banks (DKB, N26, Comdirect) can be practical for non-residents, though terms vary — confirm they allow a non-EU address.

Moving euros to Mauritius

SEPA does not reach Mauritius, so transfers are international. Avoid retail-bank FX for large amounts:

• Use Wise, Currencies Direct or a specialist for competitive EUR→MUR rates.
• Time transfers around property completion.
• Keep clear Herkunftsnachweise (proof of source of funds) — required by the Mauritian bank and for tax residency.

Opening a Mauritian account

Bring your passport, proof of address, proof of income and your permit. Full resident accounts are easiest once the permit is issued. Major banks (MCB, SBM) are used to European clients and operate in English and French.

The euro can move against the rupee; budget with a margin and avoid holding large balances at a poor rate. Keep records aligned with your German exit-tax planning.