Commerzbank – Free¹ Bank Account in Germany

Commerzbank Bank Account

Step-by-Step Guide

Click here to read our English step-by-step guide how to open a Commerzbank bank account for free.

Commerzbank is a large German bank with hundreds of local branches in Germany. Their free Girokonto¹ is a debit account with no monthly fees, as long as you have a minimum of €700 in incoming transfers every month.

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 Girokonto 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.

Go to Commerzbank
home contents insurances germany
  • Girokonto

  • 0/ Month¹
    • Free¹ bank account (with monthly incoming funds of at least €700)
    • €50 starting credit²
    • Free Commerzbank debit card (Commerzbank Girocard)
    • Free unlimited cash withdrawals at over 7,000 Cash Group ATMs
    • Apple Pay and Google Pay supported
    • Free unlimited cash deposits at Commerzbank ATMs
    • 24/7 customer support via phone and personal support at local branches
    • Optional: Apply for a Commerzbank credit card


Commerzbank Girocard
call to action image


Open a debit account with Commerzbank in Germany

Start here