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Commerzbank Current Account Germany

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Commerzbank offers a range of financial products including a handy current konten. Which could be best for you?

Commerzbank is a leading global bank offering both business and private banking solutions. With Commerzbank, you may open current and savings plans, spend with Commerzbank credit cards or enjoy a range of personal finance tools including personal financial planners and investment platforms. This review will give you a broad overview of the products offered by Commerzbank, and explore the features of Commerzbank accounts.

€0

Monthly fee

1.95% per payment

Currency conversion fee

Details

Product NameCommerzbank Kostenloses Girokonto
Monthly fee€0
Card delivery3 to 4 business days
Supported currenciesEUR
Card fee€9.90
ATM fee for other currencies1%
Currency conversion fee1.95% per payment
Mobile paymentsApple Pay,Google Pay
Card typeMastercard
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More Info
Product NameCommerzbank StartKonto
Monthly fee€0
Card delivery3 to 4 business days
Supported currenciesEUR
ATM fee for other currencies1%
Currency conversion fee1.95% per payment
Mobile paymentsApple Pay,Google Pay
Card typeMastercard
Go to site
More Info
Product NameCommerzbank Classic
Monthly fee€4.90
Card delivery3 to 4 business days
Supported currenciesEUR
Currency conversion fee1.95% per payment
Mobile paymentsApple Pay,Google Pay
Card typeMastercard
More Info
Product NameCommerzbank Premium
Monthly fee€12.90
Card delivery3 to 4 business days
Supported currenciesEUR
ATM fee for other currencies1%
Currency conversion fee€5.98 + 1.95% per payment
Mobile paymentsApple Pay,Google Pay
Card typeMastercard
More Info

How Commerzbank works in Germany

Financial advice

Commerzbank’s Kunden-Kompass is a personalised financial planning program for Commerzbank customers. Through this program, you may receive essential financial advice from Commerzbank to help you achieve your banking goals.

Banking

Commerzbank offers a current account that comes with flexible add-ons. This includes a select number of free cash withdrawals and fee-free travel insurance. Commerzbank further offers plenty of credit cards to choose from, including debit and credit cards.

Savings

Besides current accounts, Commerzbank customers may opt for a savings plan to help grow their nest egg. Choose a savings plan that satisfies your financial goals, whether that may involve growing your cash with high interest rates or creating a baby savings plan for your newborn child.

Borrow

Commerzbank’s loan offerings include installment loans, mortgage loans or even student loans. You’ll have the freedom to customise the loan amount, terms and repayment options to best suit your personal financial situation.

Invest

Are you an avid investor? If yes, you may want to consider the range of Commerzbank investment products available. These range from ETF funds to securities accounts with professional advice.

Commerzbank current account

The Commerzbank current account is a great tool for your everyday financial needs. Here are some features you may expect with the Commerzbank current account.

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
Commerzbank Kostenloses Girokonto
€0
3 to 4 business days
EUR

Receive €100 starting credit after 3 months of account activity

A current account with €0 fees and cashback at select Shell petrol stations. Includes a Mastercard Classic credit card.
Commerzbank StartKonto
€0
3 to 4 business days
EUR
A free current account for young people with a free Young Visa credit card. Cashbacks and discounts in more than 2,000 online shops.
Commerzbank Classic
€4.90
3 to 4 business days
EUR
A full-service current account with no monthly minimum payment. Includes two Mastercard debit cards and a starting bonus.
Commerzbank Premium
€12.90
3 to 4 business days
EUR
A premium account with travel benefits and insurance coverage. Free transfers, free cash withdrawals and up to four premium credit cards.
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What other products do Commerzbank offer?

Commerzbank investment products

Commerzbank offers a range of investment products to help you grow your wealth. Here are a few you may choose from.

Commerzbank credit cards

Commerzbank accounts come with credit card options to help you pay for bills, shop online, or make payments abroad. Here are the types of Commerzbank credit cards you may encounter.

  • Mastercard Classic. A low-cost credit card for the thrifty spender.
  • MasterCard Gold. Comes with travel protection, free payment in Euro countries, and over 43 million acceptance points worldwide.
  • MasterCard Premium.A premium credit card so you can spend in style. Come with contactless payment features and additional security for online shopping.

What fees apply with Commerzbank accounts?

Before choosing a Commerzbank account, you should be fully aware of potential fees available. These are the most common fee types you should watch out for.

  • Credit card fees. Almost all Commerzbank accounts come with cards for easy spending. These cards often come with an annual management fee.
  • Monthly account fees. Select Commerzbank accounts come with monthly account maintenance fees that could really add up in the long-term.
  • Fees for payments outside of the Eurozone. Cards may be charged up to 1.75% of the transaction amount when used outside of the Eurozone, unless specified otherwise.
  • Fees for over the counter cash payments. Over-the-counter cash payments in German banks may be charged €2.50 per order.

Are Commerzbank accounts safe?

Commerzbank is a reputable and licensed bank that goes above and beyond in providing financial safety to its customers. Commerzbank accounts come with 24-hour emergency services so you may reach out for help whenever a financial emergency occurs. Additionally, Commerzbank Mastercard and Visa cards enjoy Mastercard and Visa-specific security features. This includes the Mastercard Identity Check and Visa Secure features.

Pros and cons of Commerzbank accounts

Pros

  • A range of accounts for your banking needs
  • Low-fee accounts that keep banking affordable
  • Plenty of credit card options to choose from
  • Strong customer support and English-speaking support is available
Cons

  • Account fees could add up if you don’t take note of them beforehand
  • Relatively higher fees than digital banks when it comes to overseas expenditure
  • Limited rewards schemes

Compare Commerzbank with a wide range of digital banks in Germany

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
Comdirect Bank Current Account
€0
N/A
EUR
A free current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
Norisbank free current account
€0
5-7 working days
EUR

Receive €100 starting credit for a limited time*

Benefit from a €0 account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.
Openbank Kostenloses Girokonto
€0
N/A
EUR
A free current account with free euro transfers within the eurozone. Includes a debit card with free cash withdrawals worldwide.
Commerzbank Kostenloses Girokonto
€0
3 to 4 business days
EUR

Receive €100 starting credit after 3 months of account activity

A current account with €0 fees and cashback at select Shell petrol stations. Includes a Mastercard Classic credit card.
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Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
Fidor Smart Current Account
€5
N/A
EUR
A mobile current account with real-time notifications on your transactions. Includes a digital Mastercard with mobile payment and a Smart Banking app.
N26 You
€9.90
Up to 10 working days
EUR
A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
Tomorrow Zero
€15
3-5 business days
EUR
A free Visa debit card with free transactions across the globe and unlimited free ATM withdrawals per month
TARGOBANK Online-Account
€3.95
N/A
EUR
An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.
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Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
bunq Travel card
€0
Up to working 10 days
EUR
A no monthly-fee card that lets you travel and spend globally using the real exchange rate. Security controls and simple payments.
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Please note these products are not licenced as banks. Check our product review pages for details.
Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
Holvi Starter
€0
Up to 10 business days
EUR
An online account ideal for new businesses with €0 monthly fees and unlimited SEPA transfers. Includes a Holvi Business debit Mastercard.
VIABUY Prepaid Mastercard
VIABUY Prepaid Mastercard
€1.65
3-5 business days
EUR
VIABUY Prepaid Mastercard comes with no line of credit and it does not require credit checks.
Holvi Grower
€12
Up to 10 business days
EUR
A full online business account with unlimited SEPA transfers, unlimited invoicing and up to three Holvi Business Debit Mastercards.
Revolut Standard
€0
Up to 9 working days
GBP,SEK,PLN,CHF,DKK,NOK,USD,CZK,CAD,AUD,RON,EUR
Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and the ability to hold over 15 currencies in your account.
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Frequently asked questions

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