Commerzbank • EUR
🔒 Secure redirect to Commerzbank, no obligation
Ingrid Schneider · Updated: 27 August 2026
Commerzbank's GiroKonto is aimed at anyone looking for a classic branch-based account backed by a nationwide advisory network and solid app support. As one of Germany's largest retail banks, Commerzbank combines in-person advice with digital banking — a model that particularly appeals to customers who like the option of visiting a branch occasionally while handling most of their payments online.
The standard account fee is 4.90 euros per month. To avoid this fee, customers need to hold at least 50,000 euros in assets with Commerzbank — combining savings accounts, fixed-term deposits, other current accounts, and securities deposits. The bank checks this threshold monthly, on the last banking day, so balances can affect the fee from month to month. Anyone who doesn't reach this asset threshold pays the full fee permanently.
An additional 3.90 euros per transaction applies to paper-based domestic and SEPA transfers as well as cheques. In other words, submitting transfer forms at the counter instead of online or via the app costs extra — an incentive to use the account digitally.
New customers can earn up to 200 euros in total: a 100-euro welcome bonus plus a further 100 euros through a referral bonus. However, the money doesn't arrive automatically. To qualify for the welcome bonus, several conditions must be met at the same time:
In other words, simply opening the account isn't enough — you won't receive a cent. Only regular payment activity sustained over three months triggers the payout. As with many bonus offers from German banks, the welcome bonus is tied to genuine account activity, not just account opening.
The account package includes a Girocard with Visa functionality at no extra cost. Cash withdrawals are free domestically at Commerzbank and Cash Group ATMs, and also — with a minimum purchase — at the checkouts of major supermarket chains such as Rewe, Edeka, or Lidl. The bank's product page does not state any fees for ATM withdrawals abroad; this should be clarified separately before relying on the account for frequent use while travelling.
The Commerzbank app offers biometric login, a multibanking feature for linking accounts held at other banks, account alerts, photo and real-time transfers, card management, a "FinanzAnalyse" budgeting feature, an ATM finder, and a chat function for customer service.
GiroKonto is best suited to customers who value a nationwide branch network and personal advice while still expecting a modern app experience. Those who already hold, or plan to hold, significant assets with Commerzbank can avoid the account fee entirely. Customers who bank purely online and don't hold substantial assets will typically find permanently free accounts at direct banks cheaper.
Commerzbank's GiroKonto is a solid branch-based account with fair app functionality, whose costs can only be avoided with sufficient assets held at the bank. The new-customer bonus of up to 200 euros is attractive but requires a certain level of account activity over three months. Anyone who values branch access and can meet the conditions gets a reliable account with a decent range of features.
✓ Pros
✕ Cons