How to open a Commerzbank joint account in Germany 2025
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 NowAs 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.
Competent, English-speaking customer service in about 450 branches across Germany
Access to English online and mobile banking 24/7, with an excellent banking app
Free cash at over 6,000 cash machines in Germany through the Cash Group network
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.
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.
Debit card for both account holders
Apple Pay and Google Pay support without traditional credit card
Over 6,000 ATMs in Germany (Cash Group network)
450+ branches across Germany with English-speaking staff
24/7 access to English online and mobile banking
Both account holders have full access to the account
Open your Commerzbank joint account online in minutes - both account holders can complete the process from home
Open Joint Account NowThe 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.
You can open your joint bank account at Commerzbank easily and quickly in 6 steps:
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.
After you have saved your application, you will receive all important documents by email - both account holders will get separate emails.
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.
After the verification follows the activation of the photoTAN, which will be sent to your online banking within 1-2 business days.
For security reasons, the PIN of your new card will be sent to you first and independently of your Girocard.
About four working days later, your new Girocards will arrive in separate letters - one for each account holder.
Commerzbank offers everything an English-speaking customer could wish for. Customer service and online banking in English and many additional advantages.
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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.
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.
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.
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.
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.
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.
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.
Open your Commerzbank joint account online in minutes. Perfect for couples, roommates, and families.