Pricing
Available Plans
Available in
Cities
Trustpilot Rating
Quick Info
- English Support
- Cancellation: Accounts can be closed with notice period
Borderbot Guarantee
We personally vet all services listed on our marketplace to ensure they meet our quality standards for expats and digital nomads.
Commerzbank
Traditional German bank with extensive branch network and services tailored for expats.
About
Commerzbank is one of Germany’s largest traditional banks, offering English-speaking support, online and mobile banking in English, and nationwide branch access. It provides a free basic account (with minimum deposits) until April 2025, free ATM withdrawals at partner locations, and modern payment options like Google Pay and Apple Pay. While reliable, some expats note its service and processes can feel outdated compared to digital banks.
Features
- Extensive branch network (26,000+ locations)
- Online and mobile banking with English interface
- Free basic account with €700 monthly deposit (until April 2025)
- Unlimited free ATM withdrawals within Germany
- Support for Google Pay and Apple Pay
- €50 starting bonus for new accounts
- International transfer services
Benefits
- English-speaking support in many branches
- Physical branch access for in-person banking
- Established reputation and security
- Free ATM withdrawals at Commerzbank and partner ATMs
- Special account packages for newcomers to Germany
- Modern payment options integration
Drawbacks
- Inconsistent customer service quality across branches
- High fees for cards and international transactions
- Outdated processes requiring branch visits for some services
- Reports of accounts being blocked without explanation
- Limited features compared to fintech competitors
- Debit card (€3.50/month) and credit card (€3.33/month) fees
Frequently Asked Questions
What are the requirements to open a Commerzbank account as an expat?
To open an account, you'll need your passport or ID card, proof of registration in Germany (Anmeldung), and proof of income or employment. Some branches may require an appointment, while others accept walk-ins.
Is the Commerzbank app available in English?
Yes, the Commerzbank mobile app and online banking interface are available in English, making it accessible for non-German speakers.
What fees apply to international transfers?
Transfers outside the EU incur a 1% fee (minimum €1.50). ATM withdrawals abroad cost 1% of the amount (minimum €5.98).
How can I get the free basic account?
The basic account is free if you deposit at least €700 per month. This promotion is valid until April 30, 2025. Without meeting this requirement, the account costs €9.90 per month.
Is Commerzbank suitable for short-term stays in Germany?
For short-term stays, digital banks like N26 may be more suitable due to easier account opening and fewer fees. Commerzbank is better for long-term residents who value branch access and traditional banking services.
Transparency Notice: Borderbot may receive a commission when you sign up for services through our links. This helps us maintain our platform, but our recommendations are always based on the quality and suitability of services for expats and digital nomads.