Commerzbank Flexible Savings Account: Topzinskonto Plus Review 2026
In a nutshell:
- The “Topzinskonto Plus” is a flexible savings account offered by Commerzbank.
- It pays a top interest rate of 1.7% annually.
- Savings are protected under the national deposit insurance scheme of Germany.
Find all the details below in our frequently asked questions, or enter your savings amount and duration in our interest calculator below to easily figure out in a few seconds how much return you can earn with your flexible savings account by Commerzbank.
Commerzbank
Topzinskonto Plus
1.70%
annual percentage yield
How much interest does the Commerzbank Topzinskonto Plus pay?
Commerzbank offers the flexible savings account "Topzinskonto Plus" with annually interest payouts. The promotional interest rate of 1.7% is valid for 12 months. This interest is applicable for account balances of at most 1,000,000 euros. The regular interest rate is 0.75%.
Who is behind Commerzbank?
Founded in 1870 and headquartered in Frankfurt, Commerzbank is one of Germany’s most established banks and the second-largest private financial institution. It is a retail bank with branches nationwide and international representations.
Commerzbank offers a full range of retail and corporate financial services, including current accounts, savings and investment products, loans, mortgages, and wealth management solutions. Commerzbank serves millions of private and business customers through its online channels, branches, and digital services.
How safe is my money with Commerzbank?
Deposits with Commerzbank are protected under the German statutory deposit insurance scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per depositor and institution pursuant to EU deposit-guarantee rules. Germany’s sovereign credit rating remains at the top (AAA with major agencies), supporting confidence in the country’s banking framework and protections
In addition to the statutory guarantee, Commerzbank participates in the voluntary deposit protection fund of the Association of German Banks (Bankenverband), which extends coverage above the statutory limits for eligible customers.
How can I manage the Topzinskonto Plus account?
The Topzinskonto Plus at Commerzbank can be managed through the bank’s online banking portal and mobile app (iOS and Android), allowing you to check your balance, initiate transfers, access statements, and more. The online banking and smartphone app are available in German and English. Unfortunately, the account opening site for the Commerzbank flexible savings account is only featured in German.
Customer service is available via telephone, contact form, and in the branch. Within the branch, the English proficiency of individual clerks may vary.
How can I open the Commerzbank Topzinskonto Plus?
To open the Topzinskonto Plus at Commerzbank, you can apply online via the bank’s website or at a branch. Applicants must generally be 18 years or older, but there are special accounts for minors. Commerzbank flexible savings account can only be opened with a German residence and address. You also require a reference current account in the SEPA region (an account with a European IBAN bank account number) for deposits and payout of funds.
If opened online, you need to complete a verification step to finalize the opening process of Commerzbank's Topzinskonto Plus. This can be done digitally via eID (requiring a suitable German ID) or via webcam with VideoIdent. Alternatively, you can identify yourself in person by visiting a post office (PostIdent) or a Commerzbank branch.
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