Commerzbank is a large German bank with hundreds of local branches in Germany. Their free Gemeinschaftskonto¹ is a joint debit account with no monthly fees for two people, as long as you have a minimum of €700 in incoming transfers every month. It does not matter if you are a couple, married or simply living in a shared apartment: As long as you have the same postal address you can open the joint bank account from Commerzbank for up to two people.

Key advantages of this German bank account include the large Cash Group ATM network of over 7,000 ATMs as well as the 24/7 customer support via phone or during normal working hours in their local branches. Apple Pay and Google Pay are supported, which makes easy to pay with your phone or smart watch. You can also apply for a Commerzbank credit card.

After filling out the online application, you need to complete a quick identification process online via video chat, or offline at a local branch or local post office.

If you are a student, check out Commerzbank’s free student bank account with additional benefits.

❗️ Promotion: Commerzbank currently offers a €50 starting credit (“Startguthaben²“) if you open their free Gemeinschaftskonto (Joint Bank Account) online and use the account for three months. You also need to agree to marketing emails or calls in order to get the starting credit. More information on Commerzbank’s website or in our step-by-step guide.