Free current account tailored to your needs

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

Main benefits for you:

  • Commerzbank Girocard (debit card)
  • Unlimited free cash withdrawals at over 6,000 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

In 3 easy steps,
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.

Complete the online application

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

Confirm your information

Verify your identity with our fully digital IDENT app.

Start using your account

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

Award-winning bank,

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

Great service 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, as well as our excellent banking app.

  • Test winner of the economic and financial title €uro (PDF) as the best branch bank for the 7th year in a row.
  • Our banking app was named the winner among 12 mobile apps tested for the best “mobile app with very high added value”.

Frequently asked questions

The current account is free of charge if you meet the following criteria:

  • You use the current account on a private basis.
  • You have minimum incoming payments of €700/per month.
    If your incoming payments fall below €700 one month, we will charge an account management fee of €9.90 for that month. This amount will be deducted from your current account the next month. But there’s no need to worry. You have plenty of time to set up and move your account. We only start to take your minimum incoming payments into account in the second full month after you’ve opened your account. Until then, your account is exempt from the minimum incoming payment requirement.
    If you opt for “KlassikAccount” or “PremiumAccount”, there are no minimum monthly incoming payment requirements.
  • You manage the current account digitally (paperless) and use Commerzbank or Cash Group cash machines. Additional fees: There is a €2.50 charge per transaction/cheque for paper-based domestic/SEPA transfers, processing domestic cheques issued in euros, as well as cash withdrawals and cash deposits at Commerzbank counters.
  • If no custody fee is charged: a custody fee of 0.5% p.a. applies for total credit balances of 50,000 euros or more. The calculation is based on the monthly average amount exceeding 50,000 euros of the euro-denominated deposits booked on all deposit and current accounts held at Commerzbank, excluding negative balances.

  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 www.commerzbank.de/einwilligungen and may not be revoked for at least 3 months.