Current account tailored to your needs
Main benefits for you:
- Commerzbank Girocard (debit card)
- Contactless payment with Apple Pay and Google Pay
- Unlimited free cash withdrawals at Commerzbank cash machines, cash machines and many other retail partners
- Free real-time payments
- Customer service seven days a week
- Online and mobile banking with our
- Unlimited free cash deposits at Commerzbank cash machines
- Instant payment via App
- Optional: Savings account with a variable interest rate of 3 % and daily availability
Open an account and get started right away
Complete the online application
Complete and submit your online application in just a few minutes. You can also apply using your phone.
Confirm your information
Verify your identity online without leaving your web browser. All you need is your ID card or passport.
Start using your account
You’ll receive an email once we’ve processed your application. Your current account is ready to use.
Switch now to the leading brick-and-mortar bank in Germany.
Frequently asked questions
- 1.You have not held a current account with Commerzbank in the last 24 months.
- 2.You open the current account online.
- 3.You actively use the account for three months. This means at least five monthly transactions of at least 25 euros (e.g. from or to employers, pension funds, property management companies, energy providers, phone providers, but no transfers to other bank accounts held in your name or balances brought forward). If the above conditions are abused, we reserve the right to not pay the starting balance.
- 4.You consent to advertising emails and calls. Consent may be given during the account opening process or thereafter within 3 months at a Commerzbank branch or online at www.commerzbank.de/einwilligungen and may not be revoked for at least 3 months.
Opening a free current account online couldn’t be simpler and only requires a few steps. Find everything you need to know .
- You can generally use online banking 1-2 business days after verifying your ID if you have activated photoTAN.
- You can usually withdraw cash and pay in shops using your new Girocard after one week.
Girocard: The Girocard is a contactless debit card. You can use it to make contactless payments with compatible card readers. The amount is then charged to your account immediately.
Virtual debit card: The virtual debit card is completely digital, meaning you no longer receive a physical plastic card. You can use the virtual debit card with Apple Pay and Google Pay without needing a traditional credit card. All you need to do is activate the virtual debit card in the banking app to start paying contactless in shops and use it at cash machines around the globe. Transactions are authorised by and charged directly to your current account.
Using your Girocard:
You can withdraw cash free of charge from all Commerzbank and Cash Group cash machines in Germany. Along with Commerzbank, the Cash Group includes Deutsche Bank, HypoVereinsbank, Postbank and their subsidiaries. In total, there are over 5.000 nationwide. Other banks charge fees when you withdraw cash from them.
You can also withdraw cash free of charge in participating Rewe, Penny, Toom, Aldi Süd, Lidl, Edeka, DM, Netto, Norma, Famila and Galeria Kaufhof branches. The minimum purchase value varies between €5 and €20 depending on the shop.
Check out our branch finder to see where you can withdraw cash for free in your local area.
It does! If you have a good credit score and request an overdraft, we can set up one up for you. The current overdraft interest rate can be found in our list of prices and services. Please note: borrowing costs money.
The Commerzbank security promise helps make sure you can use your online banking safe and sound. Benefit from optimal protection for online banking on our website and in our banking app with our photoTAN authentication process. We’ll refund any money lost due to phishing scams or malware in full if the necessary conditions are met.
Want to open a free current account but not sure how to switch your existing account? We've got you covered! Use our bank account switching service to conveniently switch your account online in just 10 minutes. Your payment partners will be automatically informed of your new bank information. This includes your employer, mobile phone provider and insurance providers.
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€100 starting credit will be issued after three months of active account use (at least five monthly transactions of €25 each or more, e.g. from or to employers, pension funds, property management companies, energy providers, phone providers; transfers to other accounts held in your name are not included), if no account has been held with Commerzbank within the last 24 months If the above conditions are abused, we reserve the right to not pay the starting balance. and you consent to advertising emails and calls. Consent may be given during the account opening process or thereafter within 3 months at a Commerzbank branch or online at www.commerzbank.de/einwilligungen and may not be revoked for at least 3 months.