Modern, Digital, Easy – Your Commerzbank StartKonto

You want to open your first bank account in Germany or are currently studying or in training and need a second account? Then take advantage of the many benefits that the Commerzbank StartKonto offers you.

On this page we explain the conditions under which you can open the StartKonto at Commerzbank and how to fill out the German online application form step by step. We have also created a free English guide.

Commerzbank Building

The biggest advantages of the Commerzbank StartKonto:

  • Free StartKonto1 with Young Visa credit card2 & Commerzbank Girocard
  • For all pupils, trainees, students & interns from 7-27 years old
  • Discounts and cashback for almost every purchase at over 2,000 online shops – including Amazon, Lieferando, Otto,, eBay, Saturn & many more
  • Competent, English-speaking customer service in about 450 branches across Germany
  • Access to English online and mobile banking 24/7, with an excellent banking app
  • Easy payment with your smartphone or smartwatch because Google Pay and Apple Pay are supported
  • Free cash withdrawl at over 7000 cash machines in Germany

Open an account directly online in several minutes.

Your registration could not be saved. Please try again.
Hi, we will send your guide shortly!

Your StartKonto Guide

The Commerzbank StartKonto is the best account for young people in Germany.  

What awaits you: Competent, English-speaking customer service, online and mobile banking, and many additional advantages, especially for pupils, trainees, students & interns.

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

I hereby confirm that I agree with SympatMe’s privacy policy and wish to receive emails regarding Commerzbank. I acknowledge that I can unsubscribe at any time.



Commerzbank StartKonto


Commerzbank StartKonto


Is the StartKonto free?

The Commerzbank StartKonto does not include any account fees¹. You don’t have to have a minimum monthly deposit to get the Commerzbank Girocard. You also have access to online banking and the banking app & you can apply for the Young Visa credit card². To apply for this account you must meet the following requirements:

  • ¹Free for pupils, trainees, students, interns, volunteers, military and federal volunteers under 28 years of age. (otherwise 9,90€/ month )
  • Minors require the consent of their legal representatives when opening an account. The minor must be at least 7 years old.
  • Proof of education (e.g. school or student ID) must be presented to us.
  • ²In order to apply for the Young Visa credit card free of charge, the account holder must be of legal age and provide proof of a minimum monthly deposit of 300.00 EUR.
Commerzbank Girokonto

What cards are included in the start account?

  • The account holder receives a Girocard (debit card).
  • The cardholder of a Girocard must be at least seven years old.
  • Persons of full age can also apply for a free Young Visa credit card if their StartKonto receives 300 euros per month (subject to creditworthiness).
  • Authorized representatives can also obtain a Girocard (for a fee) upon application
Commerzbank Girokonto

What documents are required for the opening?

  • Valid identification (ID card, passport or child ID card) of the future account holder and, in the case of young people under 18, of all legal representatives must be presented.
  • As proof of legal representation, we also require an appropriate document (birth certificate, family register, etc.).
  • If a minor does not yet have an identity card, please bring the birth certificate.
  • If a legal representative has sole custody of a minor, please bring the corresponding proof.
  • We also require proof of education from the account holder, such as a school or student ID.
  • the German tax identification number of the account holder must be provided

Conditions to open a Commerzbank account in Germany

To open an account at Commerzbank you also need to provide your first and last name, nationality, email address and phone number

How do I open a Commerzbank account online?

You can open your bank account at Commerzbank easily and quickly in 6 steps:

  1. The first step is to fill out the German online application form and set your Commerzbank login data for your account. You will then receive your new IBAN and a confirmation of your order. Here you find our free guide for this application form.
  2. After you have saved your application, you will receive all important documents by email.
  3. In the third step you must confirm your identity. This can be done either via video chat, PostIdent procedure or in a Commerzbank branch. You will receive more information by email.
  4. After the verification follows the activation of the photoTAN, which will be sent to your online banking within 1 -2 business days.
  5. For security reasons, the PIN of your new card will be sent to you first and independently of your Girocard.
  6. About four working days later, your new Girocard will arrive in a separate letter.
Commerzbank StartKonto

Guide to opening an account with Commerzbank

You can usually use online banking 1-2 business days after you have legitimized yourself, as soon as you have activated the photoTAN procedure.

You can usually withdraw cash and pay in stores with your new Girocard after one week.

Frequently asked Questions

How long does it take to open a bank account in Commerzbank?

Once you have verified yourself and activated the photoTAN procedure, it usually takes only 1 – 2 working days until your online banking is completely ready for use.

After about a week, you can use your new Girocard to withdraw or deposit money and make contactless payments in all stores.

How to deposit or withdraw money at Commmerzbank?

How to deposit or withdraw money at Commmerzbank?

Visit the self-service area in your branch. The machines are available for cash deposits and withdrawals. All you need is your Girocard. Simply insert your card,  enter your PIN an choose your language.  Select the “Deposit money” or “Withdraw money” option in the menu and follow the instructions.

How to block Commerzbank card?

How to block Commerzbank card?

In case you lose your card, it is important to have it blocked as soon as possible. If you are a customer at the Commerzbank, you can contact the customer service.  The service hotline is available 24 hours a day. Alternatively, you can also have your cards blocked in your online banking account, after logging in — with a TAN.

Is Commerzbank safe?

Is Commerzbank

The Commerzbank security guarantee makes online banking, via the website and the banking apps, a secure process. All customers are optimally protected by the photoTAN and mobileTAN procedures and can use all Commerzbank services without any worries.