The complete current account for your life in Germany
Get 50€ starting credit, English support, and access to 6,000+ ATMs nationwide.
Perfect for receiving your salary, paying rent, and managing all your daily banking needs.
Open GiroKonto NowReceive 50€ when you open your account online and actively use it for 3 months. Plus 100€ for each successful referral!
First 3 months FREE! Remains free permanently if you maintain €50,000+ in combined assets. Otherwise €4.90/month from month 4.
Contactless payment with your physical debit card. Accepted everywhere in Germany and across Europe.
Use Apple Pay and Google Pay without waiting for your physical card. Start paying immediately!
Withdraw cash at over 6,000 ATMs across Germany for free. Part of the Cash Group network.
Easy SEPA transfers within Europe. Send money to family and friends internationally.
Full English online banking and award-winning mobile app. Bank anytime, anywhere.
Get help in English at 450+ branches nationwide or via phone and online banking.
Deposit cash for free at Commerzbank cash machines across Germany. No limits or fees.
Send money in real-time via the banking app. Transfers arrive within seconds, 24/7.
Customer support available seven days a week via phone, online banking, and branches.
Get 50€ starting credit and enjoy free banking with English support
Open GiroKonto NowBasic GiroKonto
Account fee structure:
✓ Free permanently if:
You maintain a combined balance of at least €50,000 across all your call money, fixed-term deposit, savings accounts, current accounts, and custody account assets managed under one customer number. Negative balances on current accounts are not considered. This is reviewed monthly on the last banking day.
Otherwise: €4.90/month from month 4
If your assets fall below €50,000, the monthly fee will be charged with the next account statement.
Open your account in 6 easy steps - completely online in just a few minutes
Fill out the German application form online. You'll receive your new IBAN immediately. We provide a free English guide to help you through each step.
After submitting your application, you'll receive all important documents and next steps by email.
Choose from three convenient options: Video-Ident (instant), PostIdent (at any post office), or visit a Commerzbank branch.
Within 1-2 business days after verification, you can activate the secure photoTAN procedure in your online banking.
Your card PIN will arrive by mail separately for security reasons.
About 4 working days later, your Girocard arrives in a separate letter. You can now use it with your PIN!
Open your GiroKonto now and receive 50€ starting credit!
Yes! Commerzbank offers full English support in online banking, the mobile app, and at many branches. The application process is in German, but we provide a free step-by-step English guide to help you through it.
Once you've verified your identity and activated photoTAN, your online banking is ready in 1-2 business days. Your physical Girocard arrives within about one week.
You need to be registered in Germany (Anmeldung) with a German address. Your residence permit status may be checked, but many visa types are accepted. EU citizens only need their ID card.
Absolutely! The GiroKonto is a full current account perfect for receiving your salary, paying rent, and all your daily banking needs in Germany.
The StartKonto is designed for people under 28 years old and is completely free with no monthly fee. The GiroKonto is for all adults and has a €4.90 monthly fee (first 3 months free) that can be waived under certain conditions.
At Cash Group ATMs (6,000+): You can withdraw cash for free from all Commerzbank and Cash Group cash machines in Germany. The Cash Group includes Deutsche Bank, HypoVereinsbank, Postbank and their subsidiaries.
At participating supermarkets: You can also withdraw cash for free when shopping at:
Minimum purchase value varies between €5 and €20 depending on the store.
Yes! If you have a good credit score and request an overdraft, Commerzbank can set one up for you. The overdraft facility allows you to temporarily spend more than your account balance.
Current overdraft interest rate: 12.20% p.a.
The overdraft limit depends on your creditworthiness and must be requested separately. Interest rates may vary depending on your account model.
The Commerzbank security promise ensures you can use your online banking safely and securely. You benefit from optimal protection through the photoTAN authentication process for all transactions.
Full protection guarantee: If you lose money due to phishing scams or malware, Commerzbank will refund the full amount if the necessary security conditions are met.
This includes protection when using both the online banking website and the mobile banking app.
Commerzbank is the perfect choice for expats moving to Germany because it combines traditional German banking reliability with modern, expat-friendly features:
Whether you're a student, professional, or starting a new life in Germany, Commerzbank makes banking accessible and straightforward for non-German speakers.
Join thousands of expats who trust Commerzbank for their banking needs
Open Your GiroKonto Now