My German Finances
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Commerzbank is a large German bank with hundreds of local branches in Germany. Their free Girokonto is a debit account with no monthly fees, as long as you have a minimum of €700 in incoming transfers every month.
Benefits:
❗️ Promotion: Commerzbank currently offers a €50 starting credit (“Startguthaben“) 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
Commerzbank’s sign up process is in German, so we created this step-by-step tutorial to guide you through the application. Click on each screenshot in order to enlarge it. You can also use Google Chrome and its automatic translation feature, then the Commerzbank application form is automatically translated live while you are filling it out. 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.
Commerzbank is a large German bank with hundreds of local branches in Germany. Their free Girokonto 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.
If you are younger than 28 years old (and at least 7 years old), then you might be eligible for the 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.
