Bank Account (Girokonto)
Commerzbank Review (2026)
Best for: Students who need branch access, free cash deposits, and Germany's largest ATM network
Setup fee
€0.00
Monthly fee
Free
Setup time
Apply online or in-branch; takes 3-7 business days
Languages
DE, EN
Mobile app
Yes (4.3/5)
Key Features
- Free student account (Startkonto) — €0/month
- 800+ branches across Germany
- Cash Group ATM network — 9,000+ free ATMs
- Free cash deposits at branch
- Visa debit card included
- In-person service with English-speaking staff in major cities
Limitations
- SCHUFA check required (may be difficult for newcomers)
- App and online banking less polished than N26
- Limited English on website and phone support
- Free account requires student status or €700/month income
- International transfers expensive via SWIFT
Pricing Plans
Startkonto (Student)
Free
- €0/month for students under 28
- Visa debit card
- Free ATM withdrawals at Cash Group (9,000+)
- Free cash deposits at branch
- Apple/Google Pay
Girokonto Basic
Free
- €0/month with ≥€700 monthly deposit
- Otherwise €9.90/month
- Visa debit card
- Cash Group ATMs
Eligibility
Who can use Commerzbank?
| Requirement | Status | Notes |
|---|---|---|
| nationality: non eu | Accepted | With valid residence permit |
| nationality: eu citizen | Accepted | — |
| visa type: student visa | Accepted | — |
| visa type: job seeker visa | Accepted | — |
| language: no german required | Accepted | English support in major city branches |
| credit check: schufa not required | Not accepted | SCHUFA check is required |
About Commerzbank
Commerzbank is Germany's second-largest private bank with around 800 branches. Their free student account and massive ATM network (Cash Group: 9,000+ ATMs) make them a solid choice for those who want a traditional bank with physical presence.
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Alternatives to Commerzbank
Deutsche Bank
Setup: €0 | Monthly: €0.00
Students who want a prestigious global bank with physical branches everywhere
DKB (Deutsche Kreditbank)
Setup: €0 | Monthly: €0.00
Settled expats who travel and want free worldwide ATM withdrawals
N26
Setup: €0 | Monthly: €0.00
Tech-savvy expats who want full English mobile banking with no monthly fees
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