Commerzbank – Free Student Account

Commerzbank Student Account

Step-by-Step Guide

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

  • Student Account

  • 0/ Month¹
    • Free¹ bank account for students younger than 28
    • Free Commerzbank debit card (Commerzbank Girocard)
    • Free Commerzbank credit card “Young VISA”
    • 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
    • Once you turn 28, the account will cost you €9.90 per month.



Commerzbank is a large German bank with hundreds of local branches in Germany. Their free student account¹ is a debit account with no monthly fees, as long as you are a student and not older than 27.

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. As an alternative, you can also open a regular Commerzbank bank account.

If you are younger than 28 years old (and at least 7 years old), then you might be eligible for the free Commerzbank student account called StartKonto. Another requirement is proof of your student status.

If you fulfil these two requirements, you can open the free Commerzbank student account that does not charge you any fees. You even get the “Young VISA” credit card for free if you have at least any kind of €300 regular income per month. Click here to go to Commerzbank and open your student account.

Other benefits include:
  • Free ATM cash withdrawals (at Cash Group ATMs)
  • Free cash deposits into your account at Commerzbank ATMs
  • Free Commerzbank debit card
  • Free Commerzbank credit card “Young VISA”
  • Online and mobile banking
  • Up to 20% cash back in various shops


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.

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