How to open a Commerzbank account

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

Last update: 14 January 2021

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 “Kostenloses Girokonto eröffnen” (Open free bank account):

manual opening commerzbank account

Personal Data (Personendaten)
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. Geburtsname: Enter your maiden name as stated on your ID/passport (if applicable)
  6. Geburtsdatum: Enter your date of birth (Format: DD.MM.YYYY)
  7. Geburtsort: Enter your place of birth as stated on your ID/passport
  8. Geburtsland: Select your country of birth
  9. Staatsangehörigkeit: Select your citizenship

Registered Address (Meldeadresse)
manual opening commerzbank account
  1. Postleitzahl: Enter your postcode
  2. Wohnort: Enter your city
  3. Straße: Enter your street name
  4. Hausnummer: Enter your house number. The address has to be the one that is on your ID/proof of residence.
  5. Wohnhaft seit: Enter the date since when you are resident at the respective addressmanual opening commerzbank account
  6. Steuer-ID: Enter your German tax number, if you have one. If you do not have one yet, leave blank.
  7. 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.

Employment Status (Arbeitsverhältnis)
manual opening commerzbank account
  1. 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

Contact Details (Kontaktdaten)
manual opening commerzbank account
  1. Mobilfunknummer: Enter your mobile number
  2. E-Mail: Enter your e-mail address here
  3. E-Mail wiederholen: Repeat your e-mail address

Login Details (Zugangsdaten)
manual opening commerzbank account
  1. Benutzername: Choose a login name for the online banking (minimum eight characters)
  2. Wunsch-PIN: Choose a five to eight digit PIN (only letters and numbers possible)
  3. Wunsch-PIN wiederholen: Repeat your PIN

Account Transactions (Kontoumsätze)

manual opening commerzbank account

  1. Geldeingänge pro Monat: 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.)
  2. Bargeld-Transaktionen pro Monat: How many cash transactions do you expect to have per month in EUR. This comprises for example cash withdrawals or checks.
  3. 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.

Securities Account (Ihr Depot)
manual opening commerzbank account
  1. Select here if you want to open a securities account (e.g. for trading stocks). This is optional.

Legal Conditions (Rechtliches)
manual opening commerzbank account
  1. By ticking this box you agree to receive the details of your account opening by e-mail
    manual opening commerzbank account
  2. By ticking this box you agree to open your Commerzbank account for yourself and not for another person.
  3. You agree to have received the information about the deposit protection
  4. You confirm to have read the information about the scope of the deposit protection
    manual opening commerzbank account
  5. By ticking these boxes you agree to receive information about new offers from Commerzbank via phone and/or e-mail.
    manual opening commerzbank account
  6. By ticking this box you allow Commerzbank to use your personal data for financial advisory services.
  7. By ticking this box you allow Commerzbank to submit your personal data to other companies for financial advisory services.

Confirm your entries

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

manual opening commerzbank account


Prove your identity

On the last page you can download (Unterlagen herunterladen) or e-mail (Unterlagen per E-Mail senden) your application form for the Commerzbank account:

manual opening commerzbank account

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

manual opening commerzbank accountmanual opening commerzbank account

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.

45 Comments. Leave new

  • Konstantinos Poulos
    February 24, 2021 16:21

    Dear Dominik,
    thank you for your guide, I opened my account very fast. The only problem with Commerzbank is that most of the agents in videoident do not help if you speak English. Commerzbank says that if the smartphone is in English language then the videoident procedure will be done in English but unfortunately that is not the case. I know some German so the fifth time I tried it, there was a very kind agent that listened and she explained to me that videoident service is only in German. I told her that I could do it with a bit of help and she agreed. It was not a big deal after all and I really do not understand why the do not do it in English also.

    Reply
    • Dear Konstantinos,
      thanks for sharing your experience on opening a bank account with Commerzbank. I assume that this is for legal reasons, i.e. the identification process needs to be done in German.

      Best Regards,
      Dominik

      Reply
  • Hi Dominik,

    I am a student and i registered for the girokonto (didn’t know about the startkonto). I haven’t put any money in it for 3 months and I noticed that they also don’t charge me anything (they should have charge because its only free if i have at least 700 euro/month). My balance is still at 0. My question is: now i have to register for the startkonto in addition to the normal girokonto or they automatically change mine into the startkonto once i filled my beruf as student? Do you know if they will start to auto deduct the monthly fee once i put the money in? If I close the account now, would I still be charged for those fees? Thanks a lot.

    Reply
    • Dear Louisa,
      I would recommend to get in touch with Commerzbank. I’m pretty sure that they will be able to change your account to a student account, so that you do not have to pay the monthly fees. Otherwise they will most likely charge you the monthly fee from now on.

      Best Regards,
      Dominik

      Reply
  • “Geldeingänge pro Monat: Enter your current net income per month in EUR. Make sure to enter the total sum of your monthly net income” – For salaried professionals, is this the income before tax deductions that we should provide?

    For “Mobilfunknummer: Enter your mobile number”, should I give a German number itself? Since I moved recently, I haven’t gotten a german sim yet. Will I be able to change this later on if I provide my current non-german phone number now?

    Reply
    • Dear Adarsh,
      regarding your first question: Here you should enter your net income, i.e. your income after taxes. Regarding your second question: I’m not sure, but would assume that a foreign number should also work. You will be able to change your number at a later stage.

      Hope this helps!

      Best Regards,
      Dominik

      Reply
  • Vibhav Oswal
    February 1, 2021 17:25

    Hi!
    I initiated the Girokonto account opening process online today. Received the IBAN immediately. Visited the branch for verification. Received a mail immediately stating that my account is open, and that I’ll receive the activation letter for the photoTAN and Girocard by post in the next few days.

    Is it safe to submit my IBAN now to my employer to transfer my monthly salary?

    Reply
    • Dear Vibhav,
      great to hear that you have successfully opened your Commerzbank bank account! I would tend to say it’s quite safe to communicate the IBAN to external parties, such as your employer, as you have received a confirmation from Commerzbank. The only drawback is that you cannot fully dispose of your account as you do not have your login credentials yet. This can take up to 10-15 working days.

      Best Regards,
      Dominik

      Reply
      • Thanks for the reply!
        I received the photoTAN activation letter by post today and was able to activate internet banking successfully. It was really quick in my case.
        Just had a small doubt, for the €50 start credit, do online transactions on Amazon using either cards, PayPal (linked to bank) or direct debit count as valid transactions in the 5 monthly transactions condition?

        Reply
        • Dear Vibhav,
          according to the conditions of Commerzbank you need to make at least five transactions per month in the first three months in order to qualify for the bonus. Transactions from online shopping such as Amazon should therefore be fine. But to be on the safe side, double-check with Commerzbank.

          Best Regards,
          Dominik

          Reply
  • Hi Dominik, this is super helpful.

    I have a question regarding step 22 to 24. I have finished the application online, received my IBAN and online ID verification.
    I tried to login to my online banking with the username and pin I set at step 22 and step 23 but the system shows inconsistent username and pin. I am sure about the username and password I entered. Is it normal? or should I have to wait until the account is finally set up?
    I

    Reply
    • Dear Ivy,
      usually you should be able to log in to your online banking account directly after you have successfully completed the online ID verification. However in some cases it might be that you have to wait for a few more days until your account is completely set up. I would therefore recommend to wait until you have received the confirmation via mail and then try again.

      Best Regards,
      Dominik

      Reply
  • Sneha Rupa Nampally
    November 20, 2020 10:30

    I recently moved from India for Ph.D. studies. I had applied for the Kostonles GiroKonto on 13th Nov and finished my PostIdent on the same day. In the email, I had received the IBAN. Can I quote this IBAN to my employer for transferring the salary this month? The thing is I have not yet received any information so far about my account (regarding photoTAn Activation and Girocard).
    Also, do they require additional documents after postIdent?

    Reply
    • Dear Sneha,
      in theory I would tend to say: yes, you can use it straightaway. However to be on the safe side I would wait a few more days until the account is fully confirmed by Commerzbank. It usually takes 10-15 working days until you get the confirmation, your online banking credentials and your banking card.

      Best Regards,
      Dominik

      Reply
  • Hi, I received an email with the subject of “Girokonto: Bedingungen und Informationen”. Do I need to sign and submit it elsewhere?

    Reply
    • Dear Sarah,
      did you complete either the VideoIdent or PostIdent process? If so, then you usually do not need to submit any further documents.

      Best Regards,
      Dominik

      Reply
  • Kanani Sagar
    November 5, 2020 20:41

    How much time will take to activate account after verifying document?

    Reply
    • Dear Kanani,
      it can take up to 10-15 days until your bank account is activated.

      Best Regards,
      Dominik

      Reply
  • Hi Dominik,

    This article is very helpful, thank you.
    But a quick question, I want to open the most basic-free monthly fee- student bank account using Commerzbank, but in the form, they don’t ask my preferred bank type/ preferred product I want. Instead, they only ask “Beruf”. My question is: Will they automatically know and give me the student bank account with a free monthly fee (as they offer a product with a free monthly fee for students under 30years old) if I fill “student” in the “Beruf”?

    Thank you

    Reply
    • Dear Anggie,
      in addition to the normal bank account which is free of charge if you have a monthly incoming payment of at least 700 EUR, Commerzbank also offers a bank account for students that is completely free of charge. The bank account is an online-only account (paper-based transactions cost extra) and you need to be 30 years or younger in order to get the bank account for free. The bank account comes with a debit card, a credit card can be requested separately if you receive at least 300 EUR/month on your bank account.

      Here’s the link to the Commerzbank StartKonto.

      Best Regards,
      Dominik

      Reply
  • Hello Dominik!

    I have registered for a Commerzbank account and I have received the IBAN, stated in the letter after the online registration. Can I receive money using that IBAN information during the verification step? I know that I could not send/transfer that money until I get the EC-card/ online banking data.

    Reply
    • Dear Nanda,
      yes, once you have been assigned an IBAN number you should be able to receive money with this IBAN.

      Best Regards,
      Dominik

      Reply
  • Hello Dominic
    Thank you for your website. It was super helpful. So When I went to the postledent to do legimitation, the clerk just asked for a voucher and said no other document is needed. She didnt take my online application. Is that normal. And it has been 8 days and the bank has not contacted me yet. What can I do?

    Reply
    • Dear Lily,
      yes, that’s normal. Usually the bank matches your PostIdent with the data you have entered during the online application. Therefore no printout is required.
      And yes it can take a few days until your bank account is opened (up to 10-15 working days).

      Best Regards,
      Dominik

      Reply
  • Hello! I filled in an online form and I tried to make my identification online. However, the customer support girl who called me told me she couldn’t identify me because I don’t speak German (she was speaking fluent English, however she said she wasn’t AUTHORISED to identify me in English)! And she said I should go to a Commerzbank office or post office. I chose to go to a Commerzbank office and they told me they couldn’t identify me without what I understood to be the Meldebestatigung, therefore I have waited for my termin to get that paper. Now I have the paper but I need to figure out a way to print that pdf form they sent me by email and use it to go to either post or back to Commerzbank office to identify myself. Almost a moth of struggle to get a German bank account!

    Reply
  • Hi. This article is very helpful. I want to know that after the identity verification from Deutsche Post. Do we need to send the Commerz Bank application form to Commerz Bank?

    Reply
    • Dear Ehsan,
      usually the application documents for the Commerzbank account are sent along with the ID verification documents.
      If the application documents are missing the bank will get in touch with you.

      Best Regards,
      Dominik

      Reply
  • Hi Dominik,

    Thank you for such an informative post regarding the bank account opening. On 3rd September, I applied for an account via the online process and did my verification/legitimization at the nearest branch but until today (14th September) there is no update. Last Friday, I called the customer care to know the status of my application and they told me it is in the opening phase and I should contact the branch where I did my document verification for further information. To check the status, today I went to the bank and they told me that they cannot find my application in their system and I might again have to open my account either online or at the branch. At the branch, they also told me they can speed up the process and provide me with my IBAN details immediately once the account is opened.

    Is it really possible for them to do it immediately or were they bluffing? Another concern here is, once the account is opened at the branch, how much time will it again take for me to receive my card and other documents via post?

    Best Regards,
    Tushar

    Reply
    • Dear Tushar,
      sorry to hear that your account opening was a bit bumpy…
      My experience is that when you open your bank account in a branch you usually get your IBAN immediately. However you would still have to wait a couple of days for your online banking credentials and your card(s). This can easily take up to a week. In the meantime you could only do paper-based transactions which usually cost a fee.

      Hope this helps!

      Best Regards,
      Dominik

      Reply
  • Swapon Kanti Das
    July 27, 2020 00:50

    hi,

    I am using an account and I am a student. if somehow my account becomes zero then can I take some loan or negative money from the bank for example – for providing the housing cost, health insurance cost (SEPA direct debit) etc

    Reply
    • Dear Swapon,
      depending on your financial situation your bank account usually has a line of credit (in German: Dispokredit). Up to this amount you can go negative.
      You can check your line of credit in your online banking or simply check with your bank.

      Best Regards,
      Dominik

      Reply
  • Katie Kluth
    July 19, 2020 16:02

    Hi, i currently have a Sparkasse account. Is it possible for all my direct debits to be transferred to the new account ?

    Reply
  • Thank you so much, it has been so helpful! ♥
    D.

    Reply
  • Hi Dominik, Thanks for the article, it helped me open the online account in a fly. I submitted my Commerzbank application form along with Postident coupon with Deutsche Post. I recently received my residence permit. How many days it might take for the account activation? Will they ask for additional documents ? Please lemme know. Thanks.

    Reply
    • Dear Varma,
      great to hear that the article was helpful! 🙂
      It usually takes 5-10 working days until your account is up and running. If they need addtional documents, they will get in touch with you.

      Best Regards,
      Dominik

      Reply
  • Dear dominik:
    The information was so helpful.thank you for that and I opened my account online and went to a commerzbank branch for legitimation with passport and Meldebescheinigung as they told me before but this time they asked me for aufenthalt but I didn’t have it because its just a month that im in germany so I went to a deutsche post branch and they did the legitimation and told me that we will send it to the bank and its up to them so do you think its done or what?and do I need to wait for the aufenthalt?and how many days it takes to activate the account and recieving the card?
    Thanks for consideration
    Regards

    Reply
    • Dear Mehran,
      depending on your nationality/employment status it might be that Commerzbank also requires your “Aufenthaltserlaubnis”.
      As you did the authentication in a Deutsche Post office now, I would recommend that you wait for a few more days. Either Commerzbank will ask you for the “Aufenthaltserlaubnis” or they will just open your bank account. Usually it takes up to 10 working days upon authentication until you hear back from Commerzbank.

      Best Regards,
      Dominik

      Reply
    • Hi Mehran,

      I hope you are in good health. Actually i went to the postident for legitimization and they sent my documents. My question is a followup question. In how many days they opened your account. And what documents they asked you more ?

      Reply
      • Dear Irfan,
        once you have completed the PostIdent process it usually takes 5-10 working days until your bank account is opened. Regarding the documents it really depends what you handed in already and what status you have in Germany.

        Best Regards,
        Dominik

        Reply
  • I confirmed my identity through VideoIdent. Everything went fine. That was on February 3rd. Today is 15th and still I didn’t get anything from Commerzbank. Is this normal?

    Reply
    • Hi Vladimir,
      it can take up to ten working days until you get your card, online login credentials etc. I would therefore get in touch with Commerzbank on Monday and check the status with them.

      Regards,
      Dominik

      Reply
  • 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?

    Reply
    • 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,
      Dominik

      Reply

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