The free current account1 “Basic” is your digital companion in everyday life.
Free1: No account management fees for monthly incoming payments of at least € 700
€ 50 starting credit2 + € 100 per recommendation
Free cash withdrawals at Cash Group machines
Online banking with an excellent banking app
Virtual Debit Card with Apple Pay and Google Pay
Free checking account
The account is free of charge for you under the following conditions: private use, monthly incoming payments of at least EUR 700 (otherwise EUR 9.90 per month), paperless account management and use of Commerzbank or Cash Group ATMs, provided there is no custody fee. To the conditions
You will receive 50 euros starting credit after 3 months of active account use. On the terms
Make more of your account!
Supplement your free current account “Basic” with our additional extras “Classic” or “Premium”. So you can design your account according to your personal needs.
Individually selectable extras
Flexible and can be canceled at any time
Digital and secure
Choose the extras to your free checking account
Choose your extra for your free current account (optional):
Free current account + extra ‘classic’
With “Classic” you enjoy full flexibility in the branch.
Including all “basic” services
Cash deposits and withdrawals at the bank counter
Paper services in the branch, e.g. B. Checks
Mastercard Debit included
Free current account + extra ‘Premium’
“Premium” is ideal for families and everyone who likes to travel.
Incl. Extra “Classic” (except Mastercard Debit)
2 premium credit cards each with 25 free cash withdrawals abroad per year
Travel insurance package for the whole family
An overview of our inclusive services for you
Icon Commerzbank Girocard
Commerzbank Girocard (issue of a debit card)
Icon free online banking
Online and mobile banking with a security guarantee
Icon free paperless transfers
Digital payment orders e.g. online transfers
Icon free cash at CashGroup machines
Unlimited, free cash withdrawals from> 9,000 Cash Group machines
Icon free cash deposits
Unlimited, free cash deposits at Commerzbank machines
Icon mobile payment with the virtual debit card
Mobile payments with Apple Pay and Google Pay with the Virtual Debit Card
Icon free digital bank statements in the electronic mailbox
Digital account statements in the electronic mailbox
Icon of personal contact in the branch
Personal contact in the branch
24/7 customer hotline available around the clock every day
Free current account “Basic”, “Classic” and “Premium” in comparison:
Free basic checking account from € 0.00 / month Classic checking account € 4.90 / month Premium checking account € 12.90 / month
Monthly minimum payment min. € 700
(Otherwise € 9.90 / month account management fee) Not applicable Not applicable
(Assuming creditworthiness) Can be booked for a fee
(optional) Green check mark
(Debit card issuance) Green check mark
2 premium credit cards
(Issuing of credit cards)
Worldwide cash withdrawals at third-party machines Chargeable Chargeable Green tick
Cash deposits and withdrawals at the bank counter € 2.50 per transaction Green tick Green tick
Paper-based payment orders (e.g. checks, transfers) € 2.50 per order Green tick Green tick
Paper statements – Green checkmark Green checkmark
Priority when calling the customer hotline – Green tick Green tick
Insurance package for the whole family – – Green tick
Free call money account (optional) – – Green tick
Please also note the fee information in accordance with the Payment Accounts Act.
With all three variants of the free current account “Basic”, “Classic” and “Premium”, 0.5% p. a. Custody fee. The calculation is based on the monthly average amount in excess of 100,000 euros that is posted to all deposit and current accounts at Commerzbank, denominated in euros, without taking negative balances into account.
The digital account opening is that easy
In 3 short steps to your new current account:
Open an account online
1. Complete the online application
Fill out the online application in just 5 minutes and submit it. Also on your smartphone.
2. legitimize your data
Identify yourself via video chat, PostIdent procedure or in one of our branches.
3. Account available
A few days after authentication, you will receive your Girocard and everything you need for your account.
More details on opening an account
Switch to the best branch bank in Germany now.
With us you get great service – regardless of whether you opt for the current account with or without extras