Commerzbank Joint Account
How to open a Commerzbank joint account in Germany 2026
Perfect for couples, roommates, families, and friends managing shared finances
Both account holders have full access and control, making it easy to manage rent, bills, and shared expenses together.
Open Joint Account NowThe biggest advantages for expats
As an expat in Germany, having a German bank account is essential for everyday life—especially when managing joint finances. Commerzbank offers a reputable banking experience, English-language support, and straightforward digital tools to make your shared banking journey smoother.
English Support
Competent, English-speaking customer service in about 450 branches across Germany
24/7 Mobile Banking
Access to English online and mobile banking 24/7, with an excellent banking app
6,000+ Free ATMs
Free cash at over 6,000 cash machines in Germany through the Cash Group network
(3 months free¹)
Is the Commerzbank joint account free?
There are no fees¹ for the Commerzbank joint account, provided the following conditions are met. Additionally, you get a 50€ starting credit** + 100€ per referral via the customer recruit customer program.
Conditions for a permanently free account:
- ✓ Private use
- ✓ 3 months without account fees
- ✓ Digital (paperless) account management
- ✓ Use of Commerzbank or Cash Group ATMs (provided no deposit fee is charged)
¹ You have a credit balance of at least €50,000 in your call money, fixed-term deposit and savings accounts as well as current accounts and assets in the custody account, which are managed under one customer number and totalled. Negative balances on current accounts are not taken into account. A review is carried out monthly on the last bank working day. If the assets have fallen below the minimum value of €50,000, the monthly price (€4.90) will be calculated with the next account statement.
What is included in the joint account?
Contactless Girocard
Debit card for both account holders
Virtual Debit Card
Apple Pay and Google Pay support without traditional credit card
Free Cash Access
Over 6,000 ATMs in Germany (Cash Group network)
English Customer Service
450+ branches across Germany with English-speaking staff
Award-Winning Banking App
24/7 access to English online and mobile banking
Equal Access for Both
Both account holders have full access to the account
Ready to manage shared finances together?
Open your Commerzbank joint account online in minutes - both account holders can complete the process from home
Open Joint Account NowConditions to open a joint account
The primary condition to open a German bank account is that both account holders must be registered in Germany. The reason: You must provide your German home address. Additionally, both must be at least 18 years old and have a valid passport or European ID card.
Required information for both account holders:
- First and last name
- Nationality
- German home address (Anmeldung)
- Email address
- Phone number
- Valid passport or European ID card
How to open your joint account online
You can open your joint bank account at Commerzbank easily and quickly in 6 steps:
Fill out the application form
Fill out the German online application form and set your Commerzbank login data for your account. You will then receive your new IBAN and a confirmation of your order. Here you find our free guide for this application form.
Receive documents by email
After you have saved your application, you will receive all important documents by email - both account holders will get separate emails.
Verify identity (both account holders)
Both account holders must confirm their identity. This can be done either via video chat, PostIdent procedure or in a Commerzbank branch. You will receive more information by email.
Activate photoTAN
After the verification follows the activation of the photoTAN, which will be sent to your online banking within 1-2 business days.
Receive PIN
For security reasons, the PIN of your new card will be sent to you first and independently of your Girocard.
Receive Girocard
About four working days later, your new Girocards will arrive in separate letters - one for each account holder.
Timeline
- ✓ 1-2 business days: Online banking ready after photoTAN activation
- ✓ About 1 week: Girocards ready for withdrawals and payments
Your Commerzbank Joint Account Guide
Commerzbank offers everything an English-speaking customer could wish for. Customer service and online banking in English and many additional advantages.
We are happy to help you with our free guide to open your Commerzbank joint account now.
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Frequently Asked Questions
How long does it take to open a joint bank account at Commerzbank?
Once both account holders have verified themselves and activated the photoTAN procedure, it usually takes only 1-2 working days until your online banking is completely ready for use. After about a week, you can use your new Girocard to withdraw or deposit money and make contactless payments in all stores.
Are there any special requirements for opening a joint account?
No, both account holders can open the account completely online. This requires the legitimation of both account holders. Both will receive an email for this purpose.
How to deposit or withdraw money at Commerzbank?
Visit the self-service area in your branch. The machines are available for cash deposits and withdrawals. All you need is your Girocard. Simply insert your card, enter your PIN and choose your language. Select the "Deposit money" or "Withdraw money" option in the menu and follow the instructions.
How to block Commerzbank card?
In case you lose your card, it is important to have it blocked as soon as possible. If you are a customer at Commerzbank, you can contact the customer service. The service hotline is available 24 hours a day. Alternatively, you can also have your cards blocked in your online banking account, after logging in - with a TAN.
Is Commerzbank safe?
The Commerzbank security guarantee makes online banking, via the website and the banking apps, a secure process. All customers are optimally protected by the photoTAN and mobileTAN procedures and can use all Commerzbank services without any worries.
Who can open a joint account?
Any two people who are both at least 18 years old and registered in Germany (Anmeldung) can open a joint account. This includes couples, roommates, family members, or friends. Both account holders will have equal access to the account and can make transactions independently.
What is the monthly fee for a joint account?
The joint GiroKonto has a €4.90 monthly fee with the first 3 months free. The account can be permanently free if you maintain €50,000+ in combined assets, use digital account management, and use Commerzbank or Cash Group ATMs.
Start managing your shared finances today
Open your Commerzbank joint account online in minutes. Perfect for couples, roommates, and families.