The perfect free account for young people under 28
For students, trainees, and career starters in Germany
No monthly fees, no hidden costs, and full access to all banking services.
Open StartKonto NowThe best banking package for students, trainees and young professionals
No monthly fees for customers under 28 years old. Completely free banking!
Starting credit when you open online and actively use your account!
English online banking and mobile app available anytime, anywhere!
Stay free until you turn 28! No hidden costs, no surprises. After 28, your account automatically converts to a regular GiroKonto.
University, Hochschule, or vocational school students in Germany
Apprentices (Azubis) starting their career in Germany
Young professionals starting their first job
International newcomers to Germany under 28
Join thousands of young people who chose StartKonto for their financial needs in Germany
Open Your StartKonto NowContactless debit card for payments and withdrawals
Instant digital card for Apple Pay & Google Pay
Free cash withdrawals across Germany
Unlimited transfers within Europe at no cost
Award-winning mobile app in English, 24/7 access
Help in English at 450+ branches nationwide
Automate your rent and regular payments
Automatic payment of bills and subscriptions
Bank-level security for all transactions
Choose the card that fits your age and needs
For students and trainees aged 18-28. Free worldwide payments and cash withdrawals.
Requirements: Minimum €300 monthly income (salary, BAföG, etc.) and good credit score
For teenagers aged 14-17. Safe prepaid card for school trips, exchanges, and online shopping.
Perfect for: School trips, exchanges, online gaming, and learning financial responsibility
No monthly fees means more money for books, food, and fun. Perfect for managing your BAföG, student job income, or money from home.
Free instant transfers to friends for shared rent, groceries, or nights out. No cash needed - just send money with the app.
Keep your German account when you go on Erasmus or internships abroad. Use it across Europe with SEPA transfers.
Manage everything from your phone with our innovative banking app:
Fill out the online application (in German, but we have a free English guide). You'll get your IBAN immediately and can start receiving money right away.
→ Get our free English guideChoose the easiest option for you:
After verification:
Ready to start your financial life in Germany?
Get our free English guide to opening your StartKonto
Step-by-step instructions in English to help you through the German application form
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Important: If you keep your StartKonto after turning 28 without switching, a monthly fee of €9.90 will apply from your 28th birthday onwards.
We recommend: Switch to a GiroKonto, KlassikKonto, or PremiumKonto before your 28th birthday. With the GiroKonto, you'll pay only €4.90/month (first 3 months free) and can even make it free permanently by maintaining €50,000+ in combined assets or meeting digital banking conditions.
You'll keep all your account data, cards, and access - just with more suitable pricing for your age group.
No! The StartKonto is for everyone under 28, regardless of whether you're a student, trainee, working, or between jobs. No proof of enrollment required.
Absolutely! The StartKonto is a full current account perfect for receiving your salary, BAföG, student job income, or money transfers from family.
Yes! You need to be registered in Germany (Anmeldung) with a German address. Many visa types are accepted. The application process has English support through our guide.
No catch! The StartKonto is genuinely free for people under 28. Basic banking services (account, Girocard, transfers, ATM withdrawals) cost nothing. Optional services like credit cards or international (non-SEPA) transfers may have fees.
At Cash Group ATMs (6,000+): You can withdraw cash for free from all Commerzbank and Cash Group ATMs 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.
For 18+ years: Students and trainees aged 18 and older can apply for an overdraft facility. Requirements include regular income and a good credit score (Bonität). Variable interest charges apply quarterly.
Under 18 years: Overdraft is not available for account holders under 18 years old.
The StartKonto is 100% free for people under 28. The GiroKonto has a €4.90 monthly fee (first 3 months free) but is available to everyone regardless of age. Both have the same features and benefits.
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.
Free banking, English support, and everything you need for life in Germany
✓ 100% free until 28 | ✓ No hidden fees | ✓ English support