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Ingrid Schneider · Updated: 3 September 2026
The KlassikGeschaeftskonto is Commerzbank's classic business account, offered here as an introductory deal (Kennenlernangebot) for new customers. It is aimed at freelancers, sole proprietors, GmbHs and partnerships looking for a business account with branch access, phone advice and a mobile app, who want to benefit from time-limited introductory terms.
According to Commerzbank's offer page, the base price is 0 euros for the first 12 months, after which the monthly base fee is 15.90 euros. Our database lists estimated total annual costs of around 390.70 euros for this account; this figure likely reflects the longer-term costs after the free introductory year ends, including typical transaction and card costs, rather than the plain base fee during year one. On transaction costs, the database shows the first 10 paperless (online or app-triggered) transactions per month are free, with 0.20 euros per item charged from the 11th transaction onward. Paper-based transactions cost a flat 2.50 euros per item throughout. A tolerated (unauthorised) overdraft carries a 0% interest rate; no data is available for an arranged overdraft facility.
The product's name, Kennenlernangebot, points to a concrete new-customer promotion detailed on Commerzbank's offer page: the base price is fully waived for the first 12 months, after which it is granted as a refund totaling 190.80 euros, provided three conditions are met. First, the customer must not have held a Commerzbank business account in the past 12 months. Second, consent to marketing communications is required, binding for at least 6 months. Third, an advisory consultation with a Commerzbank advisor must take place within 12 months. Customers who do not meet these three conditions lose the discount and pay the regular 15.90 euros per month. This bonus therefore requires some effort and is not an automatic credit, but a combination of a waiting period, marketing consent and a personal advisory appointment.
According to the offer page, a Girocard is included in the base price. Customers wanting a debit card with an extended feature set can add the Business Card Premium Debit for 5.90 euros per month; alternatively, the Business Card Premium credit card is available for 79.90 euros per year. For domestic cash withdrawals outside the Commerzbank and Cash Group network, the offer page states a fee of 2.50 euros per withdrawal; abroad, Commerzbank's credit cards can be used at around 2 million foreign ATMs worldwide. App features include the PhotoTAN procedure for secure authorisation and online banking with HBCI connectivity for accounting software integration. The account is accessible via online banking, phone, branch and app. Deposits are protected via the Entschaedigungseinrichtung deutscher Banken GmbH up to 100,000 euros at 100%.
The account suits freelancers, sole proprietors, GmbHs, and general and civil-law partnerships that have not held a Commerzbank business account in the past 12 months and are willing to attend an advisory consultation and consent to marketing communications in order to realise the full savings. Customers who cannot or do not want to meet these conditions should base their calculation on the regular 15.90 euros per month and check whether the account is still worthwhile at that price.
Once the 12 free months end, the regular base fee of 15.90 euros per month applies, equal to 190.80 euros per year. A customer making an additional 20 paperless transactions per month above the free allowance of 10 pays 4.00 euros per month for those (20 times 0.20 euros), while 5 paper-based transactions per month add another 12.50 euros (5 times 2.50 euros). Together this comes to roughly 207.30 euros per year from the base fee and transaction costs alone, without optional add-on cards. If a business also adds the Business Card Premium Debit for 5.90 euros per month, another 70.80 euros per year is added, bringing the total noticeably closer to the roughly 390.70 euros our database lists as the estimated total annual cost.
Commerzbank names freelancers, sole proprietors, registered traders, limited liability companies, general partnerships and civil-law partnerships as the target group. This makes the account broader than pure GmbH offers, also covering smaller partnerships and businesses not entered in the commercial register. Our data gives no information on entrepreneurial companies (UG) or larger corporations for this account.
See the summary lists below for the account's main strengths and weaknesses.
The KlassikGeschaeftskonto Kennenlernangebot combines an established branch account with a noticeable introductory discount of up to 190.80 euros, which is tied to marketing consent and an advisory consultation. Customers who accept these conditions effectively pay nothing for account maintenance in year one, but should expect 15.90 euros per month plus transaction costs above the free allowance from year two onward. Anyone looking for a branch bank with an app, phone advice and a globally usable credit card, and who meets the participation conditions, will find an attractive entry-level offer here.
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