Commerzbank Joint Account

Once both account holders have verified themselves and activated the photoTAN procedure, it usually takes only 1-2 working days until your online banking is completely ready for use. After about a week, you can use your new Girocard to withdraw or deposit money and make contactless payments in all stores.

Yes! Both account holders get their own online banking access with separate login credentials. Each person can view the account, make transfers, and manage the account independently. All transactions are visible to both holders.

No, both account holders can open the account completely online. This requires the legitimation of both account holders. Both will receive an email for this purpose.

Both account holders have equal access and can make transactions independently. There are no built-in spending limits, but you can discuss spending agreements privately. For more control, consider setting up separate accounts for different purposes.

Yes! Each account holder receives their own Girocard linked to the joint account. Both cards can be used independently, and all transactions appear on the same account statement.

Visit the self-service area in your branch. The machines are available for cash deposits and withdrawals. All you need is your Girocard. Simply insert your card, enter your PIN and choose your language. Select the "Deposit money" or "Withdraw money" option in the menu and follow the instructions.

Absolutely! Joint accounts are perfect for shared expenses like rent, utilities, groceries, and household bills. You can set up direct debits (Lastschrift) for recurring payments, and both holders can see all transactions.

In case you lose your card, it is important to have it blocked as soon as possible. If you are a customer at Commerzbank, you can contact the customer service. The service hotline is available 24 hours a day. Alternatively, you can also have your cards blocked in your online banking account, after logging in - with a TAN.

Any two people who are both at least 18 years old and registered in Germany (Anmeldung) can open a joint account. This includes couples, roommates, family members, or friends.

The Commerzbank security guarantee makes online banking, via the website and the banking apps, a secure process. All customers are optimally protected by the photoTAN and mobileTAN procedures and can use all Commerzbank services without any worries.

The joint GiroKonto has a €4.90 monthly fee with the first 3 months free. The account can be permanently free if you maintain €50,000+ in combined assets, use digital account management, and use Commerzbank or Cash Group ATMs.

Both account holders must agree to close a joint account. If one person wants to leave, you can either close the account together or convert it to a single account. It's best to contact customer service to discuss your options.

Both account holders must be registered in Germany (Anmeldung) to open a joint account. If one person doesn't have their Anmeldung yet, you'll need to wait until both are registered before opening the account.

You can close the joint account together, or one person can request to be removed (requires both signatures). It's important to discuss this with customer service. Any remaining balance will be split according to your agreement or equally if not specified.