Products and services that consider environmental and social aspects
Supporting financial decisions that align with your personal priorities
Sustainability and ESG are widely used terms. Sustainability describes a forward-looking perspective in which environmental, social and economic aspects are considered over the long term in order to preserve the foundations of life and business for future generations. In the corporate and financial sectors in particular, these aspects are commonly summarized under the term ESG (Environmental, Social and Governance). Sustainability is defined differently across regulatory, scientific, and economic contexts. Regulatory requirements, such as the EU Taxonomy or the EU Sustainable Finance Disclosure Regulation, provide a framework for individual sustainability aspects while leaving room for company-specific specification.
The specific meaning of sustainability for Commerzbank AG’s products, services, and business activities is set out in the ESG Framework. It defines the relevant criteria and distinguishes, in particular, between the Bank’s own business and external client investment and insurance business, including asset management and securities business (“third-party business”).
We support private and small business customers with products and services that take environmental and social considerations into account alongside financial objectives. Whether you are looking to finance energy-efficient improvements, invest in companies with defined environmental, social and governance (ESG) characteristics, or build long-term wealth, we offer solutions tailored to your individual needs.
Financing energy-efficient improvements and future-oriented investments
Whether you are upgrading a residential property, improving energy efficiency or investing in electric mobility, our financing solutions support projects that can reduce energy consumption, lower emissions and improve long-term asset value.
Mortgage Loans with an Energy-efficiency Bonus
We support your property that meets energy efficiency standard A+, A or B with an attractive special interest rate offering up to a 0.10% interest discount.
Home Renovation Loan
Supporting investments in insulation, heating systems, renewable energy installations and other measures that improve the energy efficiency of residential properties.
Green Mobility Loan
Financing designed to support the purchase of electric vehicles and related charging infrastructure.
KlimaDarlehen
Financing solutions that support investments in climate-related projects, energy-efficient technologies and the transition of business operations.
Additional expertise for energy and climate-related projects
Together with selected partners, we provide practical solutions that help customers understand, measure and manage the environmental impact of their activities and identify opportunities to improve energy efficiency and reduce emissions.
- Global Changer
Global Changer is an AI-powered CO₂e management solution for industrial and commercial businesses. It enables you to calculate the emissions of your operations and products, prioritise reduction measures based on cost and impact, and plan practical, cost-effective steps to lower your carbon footprint and align with net-zero targets.
- Wüstenrot Energy Advisory Services
Wüstenrot Energy Advisory Services help you make your property more energy‑efficient and cost‑effective. Whether you are planning a renovation or seeking support with applications for public funding, expert guidance is available every step of the way. By improving energy performance and lowering consumption, this can help increase the value of your property, secure attractive funding opportunities and support the transition to low‑carbon energy – while reducing costs in the long term.
Contact your adviser to learn more.
Knowledge for informed financial decisions
Understanding financial products and their characteristics is essential for making informed decisions. We provide educational content, digital tools and expert guidance to help customers better understand investing, financing and long-term financial planning.
Commerzbank Offerings
Commerzbank Guides
Understand faster, decide better: Commerzbank Guides take you through the essentials of personal finance, saving, investing, financing your goals, and planning for the future while protecting what matters most. Benefit from clear explanations and practical tips that help you make informed decisions in everyday life.
comdirect Offerings
Portfolio Planner
The comdirect Portfolio Planner helps you build a diversified investment portfolio. It allows you to simulate different investment strategies and assess potential opportunities and risks, helping you make informed investment decisions.
Strengthening women's financial confidence and independence
- finanz-heldinnen
With finanz-heldinnen, we support women in actively shaping their financial lives. We help our customers make informed financial decisions and plan their financial future with confidence.
- Club der Unternehmerinnen
With the free membership of the Club der Unternehmerinnen, we offer both customers and non-customers a platform that brings together opportunities for female entrepreneurs to connect, raise the profile of their expertise and businesses, and gain practical inspiration for their entrepreneurial journey – locally rooted, nationally connected.
How to become more financially independent as a woman
Women are more likely to be financially dependent due to lower earnings and higher rates of part-time work. Female Finance focuses on building the financial knowledge women need to strengthen their financial independence. This includes choosing suitable investment solutions to help them save and invest actively, and taking charge of their own retirement planning.
Building financial knowledge from an early age
- Commerzbank "StartKonto"
Start your financial journey with confidence with our current account for children and young people up to the age of 18.
- Junior Depot
Investment solutions for children and grandchildren. With the Junior Depot, you can build up start-up capital for your child – for example through an ETF savings plan or a one-off investment in shares.
- Junior Giro of comdirect
The free account for children and young people aged 7 and over, including JuniorTagesgeld, our free instant-access savings account.
Digital services that help reduce resource consumption
Through online banking, mobile banking, digital communication and remote advisory services, many banking activities can be completed without printed documents or unnecessary logistics. This can help to reduce paper consumption and to enable efficient access to banking services while providing customers with greater convenience and flexibility.
Online Banking
Our digital banking solutions help you manage your everyday finances conveniently and securely.