Commerzbank Opening Guide

    Step by Step Guide
    Open account
    Commerzbank

    Short: Opening your joint account

    • Your online application
      Fill out the online application. You define your user name and PIN for online banking yourself. You will then see your new IBAN and your order confirmation.
    • Your documents
      You can now save your application and will immediately receive an email with all important documents as well as the cancellation policy
    • Confirmation of your identity
      You can verify your identity via video chat, PostIdent procedure or in one of our branches. You will receive all the necessary information by mail.
    • The photoTAN activation
      After 1-2 working days you will receive the letter to activate the photoTAN procedure in your online banking. Now your account is entirely digitally usable!
    • The PIN for your card
      For security reasons, we will first send you the PIN for your Girocard on the next working day after the legitimization.
    • Your new Girocard
      About four business days later, you will receive your new Girocard in a separate letter.
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    Your Commerzbank Guide


    Commerzbank offers everything an English-speaking customer could wish for. Customer service and online banking in English and many additional advantages.


    We are happy to help you with our free guide to open your Commerzbank account now.


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    Step by step: Opening your bank account

    Personal Data (Personendaten)

     Anrede: Select your sex here (Frau=Female / Herr=Male)

     Titel: Academic Title (Dr. / Dr.Dr. / Dr.h.c.), this is optional

     Vorname(n): Enter your first name(s) here as stated on your ID/passport

     Nachname: Enter your last name as stated on your ID/passport

     Geburtsname: Enter your maiden name as stated on your ID/passport (if applicable)

     Geburtsdatum: Enter your date of birth (Format: DD.MM.YYYY)

     Geburtsort: Enter your place of birth as stated on your ID/passport

     Geburtsland: Select your country of birth

     Staatsangehörigkeit: Select your citizenship

    Registered address (Meldeadresse)

    The address has to be the one that is on your ID/proof of residence – the place where you are registered in Germany.

     Postleitzahl: Enter your postcode

     Wohnort: Enter your city

     Straße: Enter your street name

     Hausnummer: Enter your house number

     Wohnhaft seit: Enter the date since when you are resident at the respective address

    Tax information (Steueridentifikationsnummer)

     Steuer-ID: Enter your German tax number (tax identification number – 11-digits). If you do not have one yet, leave blank.

     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)

     Beruf: Select your occupation:

    • Angestellte/Angestellter: employee
    • Arbeiter und (nichtselbständige) Handwerker: worker
    • 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)

     Mobilfunknummer: Enter your mobile number

     E-Mail(+confirmation): Enter your e-mail address here

    Login Details (Zugangsdaten)

     Benutzername: Choose a login name for the online banking (minimum eight characters)

     Wunsch-PIN: Choose a five to eight digit PIN (only letters and numbers possible)

    Account Transactions (Kontoumsätze)

     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.)

     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.

     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.

    Additional Mastercard Debit (Kreditkarten)

    Credit Card: Select here if you want to order an additional Mastercard Debit for 3.50 EUR/month. This is optional. By default the Commerzbank account comes with a Girocard debit card.

    Security Account (Depot)

    Securities Account: Select here if you want to open a securities account (e.g. for trading stocks). This is optional.

    Legal Conditions (rechtliches)

    Email Communication: By ticking this box you agree to receive the details of your account opening by e-mail

      By ticking this box you agree to open your Commerzbank account for yourself and not for another person.

     You agree to have received the information about the deposit protection

     You confirm to have read the information about the scope of the deposit protection

    Information Service (Informations – Service)

     By ticking this box you allow Commerzbank to use your personal data for financial advisory services.

     By ticking this box you allow Commerzbank to submit your personal data to other companies for financial advisory services.

    Confirmation & Documents
    Confirm your entries

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

    “ANTRAG STELLEN”

    After this you can Download (Antrag herunterladen) or receive all documents by email (Antrag per E-Mail senden)

    Legitimation

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