Step-by-Step Guide:
Opening Your StartKonto

What you need:

• Valid passport or EU ID card
• German registration certificate (Anmeldung)
• Proof of age (you must be under 28)
• Email address
• Phone number

Instructions:

1. Click the "Open StartKonto" button below to start the application
2. Select "StartKonto" as your account type
3. Confirm that you are under 28 years old
4. Enter your personal information (name, date of birth, nationality)
5. Enter your German address from your Anmeldung
6. Choose your username and PIN for online banking
7. Review all information and submit the application

Important: After submitting, you'll immediately receive your new IBAN and a confirmation email. Save this information!

After saving your application, Commerzbank will send you several important emails:

• Application confirmation with your new IBAN
• Ident-ID for identity verification (you'll need this for Step 3)
• Pre-contractual information and cancellation policy
• Order confirmation confirming your StartKonto status

Tip: Check your spam folder if you don't receive emails within a few minutes. Save all documents in a safe place.

You have three options to verify your identity:

Recommended: Video Chat (IDENT App)

1. Download the IDENT app from App Store or Google Play Store
2. Open the app and enter your Ident-ID from the email
3. Have your passport/ID card ready
4. Follow the on-screen instructions for the video call
5. The verification agent will check your ID and ask a few questions
6. You'll receive confirmation once verification is complete

Within 1-2 business days after identity verification, you'll receive access to online banking. Now you need to activate photoTAN for secure transactions:

1. Download the photoTAN app from Google Play Store or App Store
2. Log in using your participant number (Teilnehmernummer) and your online banking PIN
3. Click "Continue" on the "Onboarding" screen
4. You'll receive an SMS with a code
5. Enter the code into the app
6. Enable push notifications for convenient access (optional but recommended)
7. Click "Complete" to finish the setup

For security reasons, your Girocard PIN is sent separately from your card:

• The PIN letter arrives first (usually within 2-3 business days)
• Keep this PIN safe and secure
• Don't share it with anyone
• You'll need it to activate your card when it arrives

Tip: Store the PIN in a secure password manager or write it down in a safe place until your card arrives.

About 4-7 business days after receiving your PIN, your Girocard will arrive in a separate letter:

• Your physical contactless debit card
• Activation instructions
• Information about your card limits

Activating Your Card:

1. Insert your card into any Commerzbank or Cash Group ATM
2. Enter your PIN
3. Your card is now activated and ready to use!

Congratulations! You can now use your Girocard to withdraw cash, make payments, and use Apple Pay or Google Pay - all completely free until you turn 28!