How to open a Commerzbank Depot in Germany 2025
Invest in shares, ETFs, and securities with low fees and a huge selection of trading options
Access 64 trading centres worldwide and start investing with fees from €9.90 per order.
Free custody when you place at least one order per quarter - perfect for long-term wealth building.
Open your Commerzbank Depot now and benefit from long-term wealth growth and many other advantages:
As part of promotions, you can buy selected funds and ETFs with no fees
Better value than elsewhere with transparent, competitive pricing
Get significant discounts on hundreds of fund investments
Buy, sell, set up a savings plan: if you have at least one settled transaction per quarter, DirectDepot is free of charge. Otherwise, custody fees of 0.175% per year apply to the custody volume (minimum €4.95 per quarter).
Set up savings plans in your DirectDepot from as little as €25 per month. The savings plan fees for funds are only 50% of the regular front-end load – the cost of buying funds. For ETF savings plans, 0.25% of the transaction value plus €2.50 as a flat fee per execution apply. You can purchase share savings plans from 1.5% execution fee per execution. Benefit from current promotions and trade selected funds, ETFs or certificates at a discount.
For shares, ETFs, certificates and bonds, the order fees are 0.25% of the market or nominal value plus a flat fee of €4.90. The minimum fee is €9.90. When you buy selected funds, you only pay 50% of the regular front-end load.
Manage your portfolio whenever and wherever you want – with the user-friendly Commerzbank Banking App. You can access all statements, purchase data and quarterly reports easily, securely and transparently in your mailbox. You also receive comprehensive stock market information, stock market-related news, watch lists and prices from all trading centres in the world in real time.
You decide which securities you want to save for and how – offensively or defensively. From funds, ETFs and equities to commodities and certificates. We have a huge selection of securities on offer. Tradable at up to 64 trading centres worldwide. In addition, our market data tool provides you as a customer with exclusive information on all securities worldwide.
Open your Commerzbank Depot online in minutes and get access to 64 trading centres worldwide
Open Depot NowUse your securities account free of charge – from just one settled order per quarter
You get a 50% discount on the front-end load – on over 600 funds
Order cheaper than anywhere else: from just €9.90!
Use your securities account for long-term saving: with saving plans starting at €25 per month
Choose from a wide range of stocks, certificates, funds, ETFs and bonds that can be traded worldwide
As part of promotions, you can even buy selected funds and ETFs with no fees
3 steps to your first order
Complete the online application for your DirectDepot and free settlement account in just 6 minutes and submit it. If you are already a Commerzbank customer, you can use your existing Girokonto as the settlement account.
As a new customer, you must first verify your identity. The identity verification is completed through the IDnow Online-IDENT app. If you are already a Commerzbank customer, you can simply confirm the opening of your depot using a TAN.
New customers will receive a letter 1 to 2 business days after verification to activate the photoTAN process in their online banking. For existing customers, the DirectDepot will be available the next business day to execute their first order.
Whether you are a new or existing customer at Commerzbank, your electronic mailbox is automatically activated. You can access your securities statements and other documents in the mailbox of your Banking App or online banking.
Existing customers can also activate the electronic mailbox for their other Commerzbank products. Open your mailbox, navigate to "Shipping Settings," select the "electronic" delivery method for your products, and confirm your selection via TAN.
Opening your DirectDepot with Commerzbank is quick and easy online. If you already have an account with Commerzbank, your depot will be available the next business day. New customers can access their depot 1 to 2 business days after successful identity verification. Use the Banking App to place your orders, or alternatively, buy and sell securities or start a savings plan via the web.
The fastest way to verify your identity is through the IDnow Online-IDENT app, available for download in the Apple App Store and Google Play Store. Download and open the app, then have your process ID, ID card or passport, a blank sheet of paper, and a pen ready.
Once you receive your activation letter (approximately 1 to 2 business days after successful identity verification), you can activate photoTAN.
We offer guides for the Commerzbank Girokonto (current account), the Startkonto (youth account) and the Joint Account.
→ Visit our pages to download the English-language account opening guides.
Order fees are charged per settlement, and same-day partial executions are combined into one settlement.
¹ Fee Based on Initial Charge: Retained by Commerzbank AG as a one-time payment.
² Applies to investment fund shares authorized for distribution in Germany. Exceptions may apply and must be clarified on a case-by-case basis. Purchases and sales of funds via exchanges are settled like stock transactions (in commission business).
Applies to Employee Savings Plans (VL-Sparpläne) as well.
The DirectDepot is free of charge if you place at least one settled order per quarter (including executed savings plans). Otherwise, custody fees of 0.175% per year apply to the custody volume, with a minimum of €4.95 per quarter.
For stocks, ETFs, certificates and bonds, the order fees are 0.25% of the market or nominal value plus a flat fee of €4.90, with a minimum fee of €9.90. When you buy selected funds, you only pay 50% of the regular front-end load.
ETF savings plans cost 0.25% of the transaction volume plus €2.50 per execution. Mutual fund savings plans have a 50% discount on the initial charge. Stock and certificate savings plans cost 1.5% of the transaction volume. Savings plans can start from as little as €25 per month.
If you are already a Commerzbank customer, your depot will be available the next business day. New customers can access their depot 1 to 2 business days after successful identity verification via the IDnow Online-IDENT app.
Yes, if you already have a Girokonto (current account) or StartKonto (youth account) with Commerzbank, you can use it as your settlement account for the DirectDepot. Alternatively, you can open your depot along with a free settlement account.
Commerzbank offers a comprehensive depot service specifically suited for expats in Germany. The platform provides English-language support through online banking and the mobile app, making it easy to manage investments without language barriers. With access to 64 trading centres worldwide, competitive fees starting from €9.90, and the ability to trade in international markets, expats can diversify their portfolios globally. The depot is free with just one order per quarter, and you can easily link it to your existing Commerzbank account, making it a convenient all-in-one banking solution for international investors living in Germany.
Open your Commerzbank Depot online in minutes. Access 64 trading centres worldwide and invest in thousands of securities.