Commerzbank GiroKonto

Yes! Commerzbank offers full English support in online banking, the mobile app, and at many branches. The application process is in German, but we provide a free step-by-step English guide to help you through it.

You need to be registered in Germany (Anmeldung) with a German address. Your residence permit status may be checked, but many visa types are accepted. EU citizens only need their ID card.

Once you've verified your identity and activated photoTAN, your online banking is ready in 1-2 business days. Your physical Girocard arrives within about one week.

Absolutely! The GiroKonto is a full current account perfect for receiving your salary, paying rent, and all your daily banking needs in Germany.

photoTAN is Commerzbank's secure authentication method. You scan a QR code displayed on your screen with the photoTAN app on your smartphone. The app generates a one-time code for authorizing transactions. It's more secure than SMS-based TANs.

Yes, Commerzbank offers various credit card options. You can apply for a credit card separately through online banking. Fees and conditions vary depending on the card type. Some cards are free with certain account conditions.

You can make SEPA transfers within Europe for free. For non-SEPA transfers (outside Europe), fees apply. Use online banking or the mobile app to initiate transfers. International transfers typically take 1-3 business days.

At Cash Group ATMs (6,000+): You can withdraw cash for free from all Commerzbank and Cash Group cash machines in Germany. At participating supermarkets: You can also withdraw cash for free when shopping at Rewe, Penny, Toom, Aldi Süd, Lidl, Edeka, DM, Netto, Norma, Famila, and Galeria Kaufhof.

The StartKonto is designed for people under 28 years old and is completely free with no monthly fee. The GiroKonto is for all adults and has a €4.90 monthly fee (first 3 months free) that can be waived under certain conditions.

Yes! If you have a good credit score and request an overdraft, Commerzbank can set one up for you. The overdraft facility allows you to temporarily spend more than your account balance. Current overdraft interest rate: 12.20% p.a.

The Commerzbank security promise ensures you can use your online banking safely and securely. You benefit from optimal protection through the photoTAN authentication process for all transactions. Full protection guarantee: If you lose money due to phishing scams or malware, Commerzbank will refund the full amount if the necessary security conditions are met.

Commerzbank is perfect for expats because of full English support in the banking app and online banking, availability at 450+ branches nationwide for in-person help, English-speaking customer service, access to 6,000+ free ATMs through the Cash Group network, internationally recognized banking with SEPA transfers, acceptance of various visa types, and a comprehensive digital banking experience ideal for newcomers to Germany.

Yes! The GiroKonto supports direct debits (SEPA Lastschrift) for recurring payments like rent, utilities, or subscriptions. You can manage and cancel direct debits through online banking or the Commerzbank app at any time.

If you maintain €50,000 or more in combined assets (savings accounts, fixed deposits, investments, and current account balance) across all your Commerzbank accounts, the monthly fee of €4.90 is waived. This is checked monthly on the last business day.

Yes, you can have multiple GiroKontos with Commerzbank. Each account has its own IBAN and can be used for different purposes. However, each account may have its own fees unless you meet the €50,000 asset requirement across all accounts.