Step-by-Step Guide:
Opening Your GiroKonto
Complete English instructions with screenshots to help you open your account in just 6 minutes
Go directly to account opening →Complete Step-by-Step Instructions
Follow these 6 steps to open your Commerzbank GiroKonto online. The entire process takes about 6 minutes.
Fill Out the Online Application Form
Fill Out the Online Application Form
Click the "Open GiroKonto" button to start. Select "GiroKonto Basic", enter your personal info (name, DOB, nationality), German address from Anmeldung, and choose login credentials. Submit to receive your IBAN immediately.
Tip: Have all documents ready: valid passport or EU ID card, German registration certificate (Anmeldung), email address, and phone number.
Receive Important Documents by Email
Receive Important Documents by Email
After saving your application, Commerzbank will send you: application confirmation with your new IBAN, Ident-ID for identity verification, pre-contractual information and cancellation policy, and order confirmation with all account details.
Tip: Check your spam folder if you don't receive emails within a few minutes. Save all documents in a safe place.
Verify Your Identity
Verify Your Identity
Use the Video Chat (IDENT app) for fastest verification (5-10 min). Alternatively, use PostIdent at a Deutsche Post office or visit a Commerzbank branch. You'll need your passport/ID and the Ident-ID.
Activate photoTAN
Activate photoTAN
Within 1-2 business days after identity verification, download the photoTAN app. Log in with your participant number and PIN. Follow the on-screen instructions to scan the activation graphic and complete setup.
Tip: If you don't activate photoTAN within 3 hours, you'll receive an activation letter by post and won't be able to activate online anymore for security reasons.
Receive Your Girocard PIN
Receive Your Girocard PIN
Your Girocard PIN will arrive by mail separately, usually 2-3 days before the card. Keep it secure and do not share it.
Tip: Store the PIN in a secure password manager or write it down in a safe place until your card arrives.
Receive Your Girocard
Receive Your Girocard
About 4-7 days later, your Girocard arrives. Activate it by using it at any ATM with your PIN. You can now withdraw cash and pay in stores.
Open Your GiroKonto Now
Follow these 6 steps to open your Commerzbank GiroKonto online. The entire process takes about 6 minutes.
Open Your GiroKonto Now →Helpful Tips
Before You Start
Have all documents ready (passport, Anmeldung). Choose a secure username and PIN. Use a reliable email address. Set aside 10-15 minutes.
Common Mistakes to Avoid
Don't use special characters in your username. Double-check your address matches your Anmeldung. Activate photoTAN within 3 hours. Keep your PIN letter safe.