Free current account tailored to your needs

1: No account management fees charged with minimum incoming payments of €700/per month
  • 2 + €100 bonus for each referral

Main benefits for you:

  • Commerzbank Girocard (debit card)
  • Unlimited free cash withdrawals at over 7,000 cash machines
  • Contactless payment with Apple Pay and Google Pay
  • Online and mobile banking with our
  • Unlimited free cash deposits at Commerzbank cash machines
  • customer service seven days a week

Open an account and get started right away

It couldn’t be easier! Activate online banking within 6 minutes. You’ll be able to use the full range of online banking services within 1-2 business days.

All it takes is 6 minutes to complete and send the online application. You can also apply online on your phone.

Verify your identity with our fully digital IDENT app.

Gain direct access to your online and mobile banking in a matter of minutes.

Switch now to the safest and leading brick-and-mortar bank in Germany.

Only the best for our customers. We are shaping the future of banking by giving you the ability to decide what you want and when you want it. Benefit from having a strong and safe partner at your side.

  • Test winner of the economic and financial title €uro (PDF) as the best branch bank
  • Test winner in the highest security category awarded by Focus Money

  1. 1

    Free of charge only for private use, minimum incoming payments of €700/per month required (otherwise €9.90/per month), for paperless account management and use of Commerzbank or Cash Group cash machines, provided no custody fee applies.

  2. 2

    €50 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 and may not be revoked for at least 3 months.