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Commerzbank Online Account Opening in 8 Minutes and English

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Open Your Bank Account with Commerzbank:
Step-by-Step Guide

Last Update: 07 July 2024

Commerzbank is Germany’s second-largest private bank with a strong reputation for security and reliability, so it has been honored with awards from Germany’s financial magazines €uro and Focus Money. It is famous not only among German nationals but also among expats and international students in Germany. Commerzbank is one of the few traditional banks with a vast network of branches offering free bank accounts without monthly base fees for adults and students. It provides an English mobile application and banking interface.

Individuals applying for the “Kostenloses Girokonto” exclusively receive a 50 Euro start bonus when opening the account online. Unfortunately, the online account opening is only available in German. But no worries, you do not need an appointment! Check our step-by-step guide to securely complete the online opening process.

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6 Reasons to Open an Account with Commerzbank!

Bank Account for Free

The Commerzbank “Kostenloses Girokonto” for adults is without monhtly fess if you register monthly incoming funds of at least 700 Euros. The “StartKonto” for students up to 27 years is unconditionally free of charge.

Free Bank Cards

All customers receive a Girocard that supports Apple Pay and Google Pay. With the “StartKonto,” students also get a free Visa Credit Card. Further cards are available on request against a fee.

Free Cash Withdrawals and Deposits

You enjoy unlimited cash withdrawals and deposits in Germany at Commerzbank Branches, Cash Group ATMs, and cooperating retailers.

€50 sign-up bonus

You can get 50 Euros as a starting credit when you sign up online, use your bank account actively, and agree to phone and e-mail marketing during the first months.

Wide network of branches

You can easily visit one of the 400 Commerzbank branch offices in Germany for personalized service.

Stable and reliable

Commerzbank has a strong reputation as Germany’s second-largest private bank. All deposits are insured under the German national deposit insurance scheme.

Disclaimer:

The information in this post is non-binding and for informational purposes only. It is not a complete market overview. We do not take responsibility for the accuracy and up-to-dateness of the data. Please re-check the final conditions and prices on the providers’ websites (§18 ZKG).

We do not intend to provide financial advice. All investments involve risks of loss.

Some of the links in this article are promotional links. We gain a commission if you purchase an item or open an account following this link. It helps us keep this site running and does not come at any cost to you.

Swipe to check the step-by-step guide  

<h3>Step 1:</h3><h2>Provide Your Personal Details</h2>

Step 1:

Provide Your Personal Details

Open the application form for your desired account, e.g.: Enter the following personal details about you as they appear in your passport or other official documents:
  • Gender
  • Academic title (optional)
  • First name
  • Last name
  • Maiden name (optional)
  • Date of birth
  • Place of birth
  • Country of birth
  • Nationality
<h3>Step 2:</h3><h2>Provide Your Address and Tax Information</h2>

Step 2:

Provide Your Address and Tax Information

Enter the following information about your German address and tax liability:
  • Postcode
  • City
  • Street name
  • House number
  • Country
  • Month and year, you moved to the indicated address
  • German tax number (optional)
  • Tick the box if you are a tax resident of another country other than Germany or are unlimitedly liable to taxes in the USA.
<h3>Step 3:</h3><h2>Provide Your Employment Details</h2>

Step 3:

Provide Your Employment Details

Enter the following details about your employment:
  • Profession
    • Employee: Angestellter
    • Worker or employed craftsman:  Arbeiter und nicht selbständige Handwerker
    • Apprentice: Auszubildende / Auszubildender
    • Housewife / Houseman = Hausfrau
    • Pensioneer: Rentner und Pensionäre
    • Pupil: Schülerin / Schüler
    • Student: Studentin / Student
    • Independent Crafsman: Wirtschaftlich selbständiger Handwerker
    • Independent private person: Wirtschaftlich selbständige Privatperson
    • No indication: Ohne Berufsangabe
  • Depending on your previous answer, you may be asked for your position, which can be either
    • No indication: keine Angabe
    • Leadership position: leitend
<h3>Step 4:</h3><h2>Provide Your Contact Data</h2>

Step 4:

Provide Your Contact Data

Enter your contact data:
  • Mobile phone number
  • E-mail address
  • Repeat e-mail address
<h3>Step 5:</h3><h2>Choose Your Login Data</h2>

Step 5:

Choose Your Login Data

Choose and enter login details for your online banking account:
  • Username: 8 – 50 digits with at least one number or special character
  • PIN or Password: 8 – 45 digits
  • Repeat PIN or password
<h3>Step 6:</h3><h2>Provide Details about Your Expected Transactions</h2>

Step 6:

Provide Details about Your Expected Transactions

Enter details about your expected account transactions:
  • Regular incoming funds in Euros: E.g., Net income, social benefits, family support
  • Cash transactions in Euros, including the sum of expected cash withdrawals and deposits
  • Tick the box if you regularly perform transactions abroad.
  • Depending on your previous answer, you may be asked which countries you will perform transactions in. You can select up to five countries. 
<h3>Step 7:</h3><h2>(Un-)select Mastercard Debit Option</h2>

Step 7:

(Un-)select Mastercard Debit Option

The account comes with a Girocard for store payments and cash withdrawals free of charge.
Tick the box if you want to obtain an additional Mastercard Debit. It is available for a monthly fee of 3.50 Euros and can be canceled anytime. If you do not want to decide now, you can also request the Mastercard Debit later through online banking.
<h3>Step 8:</h3><h2>(Un-)select Broker Account Option</h2>

Step 8:

(Un-)select Broker Account Option

Tick the box if you want to an additional broker account.
It is free of charge until the first order and remains without base fees if you perform one order or savings plan transaction per quarter. There can however be costs for the order or savings plan execution.
If you do not want to decide now, you can open a broker account at anytime through online banking.
<h3>Step 9:</h3><h2>(Un-)select Flexible Savings Account Option</h2>

Step 9:

(Un-)select Flexible Savings Account Option

Tick the box if you want to open an additional flexible savings account. It is free of charge and you can earn interest for your deposits. All deposits can be accessed at anytime.
If you do not want to decide now, you can open a flexible savings account later through online banking.
<h3>Step 10:</h3><h2>Accept Terms and Conditions</h2>

Step 10:

Accept Terms and Conditions

Tick the following boxes so that you agree to:
  • Receiving the account conditions and further information digitally through e-mail
  • That you open the account on your own will
  • Acknowledge the information for depositors and conditions regarding the statutory deposit insurance
  • The conditions described in the information for depositors and the deposition of your funds
<h3>Step 11:</h3><h2>Accept Data Privacy Policy</h2>

Step 11:

Accept Data Privacy Policy

Tick the following optional boxes if you agree
  • To receive information and offers by phone and / or email. Please note that agreeing here is one of the conditions to receive your €50 start bonus. You can withdraw the consent easily after the payout.
  • That Commerzbank uses your personal data for consulting you in financial services.
  • That Commerzbank can transfer your personal data for financial services consultation to cooperation partners.
<h3>Step 12:</h3><h2>Download Your Documents</h2>

Step 12:

Download Your Documents

Your data entries are now being processed and checked.
You can download the Terms and Conditions for the Bank Account here or request them through e-mail.
<h3>Step 13:</h3><h2>Download Your Application</h2>

Step 13:

Download Your Application

Your account opening is confirmed.
On the screen, you can see your order number, bank account number (IBAN), and user name. You can download your account application or request it through e-mail.
<h3>Step 14:</h3><h2>Identify Yourself</h2>

Step 14:

Identify Yourself

Please finalize the account opening by identifying yourself. You can do this:
  • Online through your smartphone and webcam
  • At a post office (Deutsche Post), using the POSTIDENT coupon in your application documents
  • At a Commerzbank branch
In all cases, you require a valid ID or passport.

Source of images: commerzbank.de

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