Are you looking for a free¹ and reliable debit account in Germany that offers the convenience of digital banking? The comdirect Girokonto is a top choice for anyone wanting to open a free German bank account online. This German IBAN account comes with a full range of digital banking services, making it easy and efficient to manage your finances (read more below).

❗️Promotion: You can get €100 as a sign-up bonus at the moment. To snag the €100 bonus, agree to receive comdirect promotional emails when opening your account and keep that consent active. Within the first three months, complete at least five transactions of €25 or more each (this can be a transfer, direct debit, or ATM cashout, for example). If you’re a new comdirect customer (not having been one in the past six months) and apply by June 30, 2025, you’ll receive the €100 in the fourth month.

Among the key benefits of this debit account in Germany are free account management under some conditions (see below) and a free Visa debit card. With the intuitive comdirect mobile banking app, you can take care of all your banking needs through a secure and user-friendly online platform. Plus, the modern comdirect digital bank account supports both Apple Pay and Google Pay for seamless mobile payments.

The process to open a free German bank account online with comdirect is typically quite easy, involving an online application and an identification process to confirm your identity. By choosing the comdirect Girokonto, you’re opting for a trusted bank provider in Germany.

For individuals seeking a dependable debit account in Germany with robust digital banking features and the advantage of a no fee bank account (under above conditions), the comdirect Girokonto is a compelling option to open a free German bank account online. Comdirect also offers other bank account plans with more benefits that come with a monthly fee (Girokonto Extra and Girokonto Plus). Explore the full details and any current promotions for this leading online banking service on comdirect’s website.

Footnotes:

1. Free debit account: The comdirect debit account is free for the first six months after opening. After that, it remains free if you meet one of the following conditions: a monthly minimum deposit of 700 Euros, at least three monthly payments using Apple Pay or Google Pay, or the monthly execution of one trade or one securities savings plan. Alternatively, the account is also free if you are under 28 years old and a student, pupil, trainee, or intern. Otherwise, a monthly account management fee of 4.90 Euros applies.
2. €100 Sign-Up Bonus: To receive the €100 bonus, you need to agree to receive promotional emails from Commerzbank AG during your account opening and maintain this consent until you receive the bonus. Within the first three months, complete at least five transactions of €25 or more, which can include transfers, deposits, withdrawals, direct debits, or ATM withdrawals. The €100 bonus will then be credited to your new checking account in the fourth month. This offer is exclusively for new comdirect customers, meaning you haven’t been a comdirect customer in the six months prior to opening this account, and your complete application must be submitted by June 7, 2025. Please note that comdirect reserves the right to modify or terminate this offer at any time.