How to open a Commerzbank account

Step-by-Step Manual for Opening a Commerzbank bank account

Last update: 31 December 2019

In this step-by-step manual I will show you how to open a Commerzbank account. Opening your Commerzbank account only takes seven minutes and is very easy, so let’s get started!

[DOWNLOAD] You can also download this manual as a PDF so that you can access it offline or print it

For a comprehensive comparison of German bank accounts, check out our Bank Account Germany page.

Go to the Commerzbank website

Go to the Commerzbank website and click on “Jetzt zum Formular und sofort eröffnen” (Open account now):

manual open commerzbank account

First Page -- Personal Data

manual opening commerzbank account

  1. Anrede: Select your sex here (Frau=Female / Herr=Male)
  2. Titel: Academic Title (Dr. / Dr.Dr. / Dr.h.c.), this is optional
  3. Vorname(n): Enter your first name(s) here as stated on your ID/passport
  4. Nachname: Enter your last name as stated on your ID/passport
  5. Geburtsdatum & Geburtsort: Enter your date of birth (Format: DD.MM.YYYY) and your place of birth as stated on your ID/passport
  6. Geburtsland: Select your country of birth
  7. Geburtsname: Enter your maiden name as stated on your ID/passport (if applicable)
  8. Staatsangehörigkeit: Select your citizenship
  9. Steuer-ID: Enter your German tax number, if you have one. If you do not have one yet, leave blank.
  10. Beruf: Select your occupation:
    • Angestellte/Angestellter: employee (White collar)
    • Arbeiter und (nichtselbständige) Handwerker: worker (Blue collar)
    • Auszubildende/Auszubildender: apprentice
    • Beamte und Behördenangestellte: civil servant
    • Hausfrau/Hausmann: housewife/househusband
    • Ohne Berufsangabe: not specified
    • Rentner und Pensionäre: retirees and pensioners (retired civil servants)
    • Schülerin/Schüler: school student
    • Studentin/Student: university student
    • wirtschaftlich selbstständiger Handwerker: economically independent craftsman
    • wirtschaftlich selbstständige Privatperson: economically independent private individual
  11. Welche regelmäßigen monatlichen Geldeingänge erwarten Sie auf dem Konto: Enter your current net income per month in EUR. Make sure to enter the total sum of your monthly net income (i.e. salary, income from rental, side job, etc.)
  12. Welche regelmäßigen Bar-Ein- & Auszahlungen erwarten Sie auf dem Konto (inkl. Schecks): How many cash transactions do you expect to have per month in EUR. This comprises for example cash withdrawals or checks.
  13. Ich tätige / erhalte regelmäßig Überweisungen ins / aus dem Ausland: Please specify here if you will have regular transactions from to abroad (e.g. money transfers to your family abroad). Please also specify the countries involved.
  14. Weitere steuerliche Ansässigkeit: If you are a tax resident in Germany only leave blank. If you are also a tax resident in other countries please tick the box and select the country and your tax ID in that country.
  15. PLZ / Wohnort: Enter your postcode and city
  16. Straße / Hausnummer: Enter your street and house number. The address has to be the one that is on your ID/proof of residence
  17. Land: Select your country of residence
  18. Wohnhaft seit: Enter the date since when you are resident at the respective address
  19. Telefon: Enter your mobile number (without leading zero)
  20. E-Mail: Enter your e-mail address here
  21. E-Mail wiederholen: Repeat your e-mail address
  22. Benutzername: Choose a login name for the online banking
  23. Wunsch-PIN: Choose a five to eight digit PIN (letters and numbers possible)
  24. Wunsch-PIN wiederholen: Repeat your PIN
  25. Here you can select if you want to receive news and updates from Commerzbank via telephone
  26. Here you can select if you want to receive news and updates from Commerzbank via e-mailmanual opening commerzbank account
  27. By ticking this box you allow Commerzbank to use your personal data for financial advisory services
  28. By ticking this box you allow Commerzbank to submit your personal data to other companies for financial advisory services
  29. By selecting “Ja” (Yes) you agree to open your Commerzbank account for yourself and not for another person. If you choose no, you won’t be able to open the account.manual opening commerzbank account
  30. You agree to have received the information about the deposit protection
  31. You confirm to have read the information about the scope of the deposit protection
  32. By ticking this box you agree to receive the details of your account opening by e-mail
  33. Click on “Weiter” (Next) to continue

Second Page -- Confirm your entries

Check on the next page if the data you have entered is correct and click on:

manual opening commerzbank account

Third page -- Prove your identity

On the last page you can download (Herunterladen) or e-mail (Per E-Mail erhalten) your application form for the Commerzbank account:

In the next step you can choose which process you want to use to prove your identity:

You have three options to prove your identity:

  1. VideoIdent
  2. PostIdent
  3. Prove your identity in a Commerzbank branch

The first one is the VideoIdent procedure where you can prove your identity via videochat. You just need to download the Commerzbank VideoIdent app on your smartphone, enter the reference number (will be sent your mobile number) in the app and prove your identity with your passport/ID card and specimen signature on paper via videochat. Here’s a short video, explaining the process:

This procedure is available 24/7 and therefore the most convenient one, however it doesn’t work with all passports. That’s why there is an alternative…

With PostIdent you print out your Commerzbank application form and go to the next post office (Deutsche Post). There you will hand in your documents and your passport/ID will be checked. On the Deutsche Post website you can learn more about this procedure.

Finally the third option is to prove your identity in a Commerzbank branch. Just print out the application form and go with your passport/ID to your closest Commerzbank branch.

That’s it! Open your Commerzbank account now!

Should you have any problems or questions, just send me a message or leave a comment!

[DOWNLOAD] You can also download this manual as a PDF so that you can access it offline or print it

Disclaimer: This post contains affiliate links, meaning I earn a commission if you use those links.

4 Comments. Leave new

  • Hello! Thank you for information. I am a student, but I am 36 y.o., so if I open the Girokonto in Commerzbank will it cost me 5.90 a mounth or not?

    • Dear Timur,
      The Commerzbank bank account is in general for free. So it doesn’t matter if you are a student or not and how old you are.

      Best regards,

      • Hello.. I already have an account in Commerzbank in Hamburg. One of my foreigner friends come to Hamburg recently for 5years study purpose. I want to suggest him for Commerzbank. Now I want to know if there is any bonus available for referring a new customer to Commerzbank?

        • Hello,
          yes, Commerzbank has a referral program. If you refer a friend you will receive a bonus of 100 EUR. And in addition your friend will also receive a 100 EUR bonus, given that the following conditions are met:

          – Your friend has not had a bank account at Commerzbank for the last 24 months
          – Your friend has to make at least five transactions per month with a value of at least 25 EUR in the first three months upon account opening (e.g. pay your rent, bills, in the supermarket, etc.)

          You can find this offer here.

          Best Regards,


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