How To Successfully Open A German Bank Account As A Foreigner [Step-By-Step Guide]

Learn how to open a Commerzbank account online. We explain the whole process step-by-step in English and give you tips so you can have a FREE bank account in Germany.
✍️ Written Guide On How To Open Your Commerzbank Account
👉 www.simplegermany.com/open-co...
🔥 Open Your Commerzbank Account
👉 www.simplegermany.com/commerz...
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⏰ Timestamps:
00:00 - Introduction
00:32 - Why Commerzbank?
02:17 - Requirements to open a Commerzbank account
02:48 - FREE bank account condition
03:45 - Step #1: Fill Out The Online Form
16:43 - Step #2: Verify Your Identity
19:00 - Step #3: Activate Your Online Banking
20:24 - Step #4: Receive Your Girocard PIN Number
20:37 - Step #5: Receive Your Girocard
21:12 - How To Contact Commerzbank Customer Support In English
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#expats #germany #expatsingermany #lifeingermany #expattips

[@simplegermany]

**UPDATE JAN 2023** If you are an EU or EEA citizen, you can do the videoIDENT process in English. **UPDATE AUG 2022** If you are a Non-EU or non-EEA citizen you will need the following documents to verify your identity in person: - Your Meldebescheinigung - Your passport or ID - Your residence permit, there is no hard rule for this one. Commerzbank sometimes says you need it and sometimes you don't. So it is up to you to try to open an account before you get your residence permit.

[@TheCatherinesyd]

Hi there. Firstly, I wanted to express my gratitude to you guys ! Everything you guys post here is very useful for all of us expats. Quick question if I may, I have signed my rental agreement and will arrive in Cologne end of April. I've got anmeldung booked to 04.05.23 and because the timeframe is very tight I was wondering if I could create my account online (i'm EU citizen). However, in the process I noticed they ask for the date of actual move.... so the question is whether I can do this prior to my arrival in Germany ?

[@ayushdileep2273]

Okay I just went to Commerzbank Karlsruhe for legitimatisation but they told they can enter into the system only if my visa is valid upto six months from that particular day . So today being 11th , It should be valid on 11th October but my visa is valid only till 4th October.

[@diegoofernaandez8892]

Girls, I am a little mad that you don't have much views on youtube. I think that what you are doing for all of us is just AMAZING. Thank you soooo much for all the tips and pretty much everthing you say on your videos, you have no idea how much you help us all.

[@simplegermany]

Thank you so very much for your amazing feedback!!!🥰

[@amalseraj4253]

You guys I swear AMAZING, thr amount of informations you give and how simple, clear and professional you explain it is unbelievable super grateful to you guys.

[@LivingDeadDudez]

You two are awesome! I live in manderscheid and you guys have saved my life getting settled in here in Germany!!! Keep up the amazing work!

[@bridgettejoanne5636]

and as usual because i've been wanting to transfer from VR Bank, you have been very very helpful. I have been able to fill out the form so easily as the video was running. Thank you so much

[@tomasagostini9694]

Thanks ! Super clear video.

[@geraltjo5722]

Many thanks to you both. Honestly, your videos were instrumental to my plans to make it to Germany.

[@simplegermany]

So happy to hear!! 😊

[@tshepomokhere9267]

Hello Jen and Yvonne, thank a lot for the Step by step guide. Just arrived in Germany on the 1st July and I've just opened a Commerzbank account in under 20 minutes and rushed to a bank 11 minutes from where I stay to validate my identity. This I did after struggling for 2 weeks to open a bank account from various banks. Your passion for helping others ease they way into DE is commendable. All the best.🙂

[@simplegermany]

Amazing! Thanks for sharing ☺️

[@RajendraPatil-bt7bf]

hank you Yvonne and Jen putting this video on KZbin, I activated my account after watching this video, because there was no propser instruction given in the back letter. Thank you both...!

[@michaelfloydmanding9114]

Just moved from London to Berlin (originally from the lovely Philippines) as I got married to my German husband. Thanks for all your help from the Anmeldung to opening a bank account! And thanks for being an inspiration and for helping a lot of expats in Deutschland!

[@hayleycaroline5142]

This really helps alot .kudos

[@fahimfaisalkhanshapnil9663]

Thanks a lot for this!!! 🙏

[@pritommazumder9897]

I cannot thank you guys enough for your help. I wanted to talk to the customer care and the way you showed, worked perfectly for me. I wish you guys a good journey with this channel.

[@alejandraalmonacid6120]

I just moved to Berlin in January 2023 and your channel is pure gold! I'm soooo happy that i found your content because it's currently saving my life. I just follow your tutorial and I got my bank account (with only my temporary work visa, just the Meldebestätigung that I got the day before and my passport, if it's interesting for someone here). Girls you are the best!

[@simplegermany]

Fantastic to hear! Thanks for sharing and we hope you are settling in smoothly

[@machtmann2881]

Brilliant! I am moving to Germany for work soon and came across your very helpful channel. It's a bit of a fast move so I'm finding these videos and website invaluable for my transition. It will be a bit rough in the beginning but finding help online is heartwarming. I was wondering if there was another option outside of these online neobanks since I'm not yet sure how often I will need to withdraw cash and they were so limited. Thank you!

[@simplegermany]

You are commenting under the perfect video for you 😊. Commerzbank is a traditional branch bank which offers you unlimited cash withdrawals with CashGroup (Commerzbank, Deutsche Bank, Postbank) ATMs.

[@jL-yo1sy]

Thannnnnnnks!!! U guys help me a lot.

[@jL-yo1sy]

*girls hahaha Have a good day.

[@crazy71achmed]

Nice explanation. :)

[@md.naimulislam3913]

thank you for the video

[@cnavarrete1999]

Soooo helpful

[@arjunudiawar]

I love you guys so so so so much........Thanks for making this video, I was worried on how to open a bank account with all the language barrier....😃😃😃

[@Life-in-Germany]

thank you so much, another successful video from a cute couple, greetings from a new expat in Germany😘

[@rat29ul]

I opened a bank account today in Commerz bank. It was as easy as you described in your video. Thanks so much 🙏

[@simplegermany]

Fantastic! Glad to hear 😊

[@saurabhshubham7345]

Is cash withdrawal free?

[@mfppmati]

Thank you a lot for the information. I will soon move from Chile to Stuttgart and will need a bank account. 😀

[@oncoding4520]

Thank you

[@RahulTalreja11]

Thanks for amazing video and step by step guide on your website. This really helped.

[@RahulTalreja11]

While the video is amazon, the bank service is actually pathetic. 1) A lot of time, app or mobile banking doesn't work. 2) if you get into issue, you need to spend hrs talking to them to just identify it. 3) Virtual debit card functionality doesn't work. It's good to start with Commerzbank, but we definitely need some other secondary account like N26 or any other to survive in Germany, as this Commerzbank can get into issues anytime.

[@fernandabravo7176]

Hiii, this is really helpful, thank you both!!! I just wanted to ask, should I give my Meldebestätigung or can I just give a copy? are they gonna keep my document or not? thank you!

[@JeraldSabuM]

Very well explained!. I have a question. I see the steps here are to open a checking account. What is the difference between a checking or current account and savings account ? What if we open savings account instead ?

[@Jav82]

I arrived one week ago in Munich and ended up opening a Bank account with Nuri. I don't think I need anything more than a bank account and a debit card. Nuri also gives you unlimited cash withdrawals. The card works for online and physical shops.

[@simplegermany]

Welcome to Germany! Yes, Nuri is also a great option, as we mention in. our guide: www.simplegermany.com/best-german-bank-english-speakers/. Unfortunately, they don't accept all nationalities. Glad you were able to open one. 😊

[@Jav82]

@@simplegermany Ty :)

[@auralstudent2841]

Hi, did you need to do Anmeldung to get that bank account ? How did you manage to do both in one week ? Please let me know, because I am moving to Munich soon !

[@Jav82]

​@@auralstudent2841 Sorry for the late response. Nuri has declared bankrupt, so the best option is to follow the guide from this video.

[@simplegermany]

** UPDATE AUG 2022** If you are a Non-EU or non-EEA citizen you will need the following documents to verify your identity in person: - Your Meldebescheinigung - Your passport or ID - Your residence permit, there is no hard rule for this one. Commerzbank sometimes says you need it and sometimes you don't. So it is up to you to try to open an account before you get your residence permit.

[@sarannair]

Hi. I tried opening an online account opening with Commerzbank. After completion of the online procedure I received an automated mail with my application in it. On the 1st page of the 'Antrag fur die Kontoeroffnung zu online' the following is mentioned - 'Legitimation in einer Filiale der Commerzbank. Gehen Sie zu einer Filiale der Commerzbank. Bringen Sie Ihren gültigen Personalausweis oder Reisepass (in bold letters) sowie Ihren gültigen Aufenthaltstitel mit. (in bold letters)' . So is it worth checking with them again on whether I can do legitimation with just my passport [non EU, non EEA] and Meldebescheinigung? Are there any exceptions for students?

[@MOHAMMEDALI-hn1xp]

I had a very bad experience I went to comerze bank branch and they told me that they changed their policy and students can't open bank account anymore, and they were very rude to me.

[@katesenn3258]

Many thanks for your videos!! I've been watching your videos maybe for 3 days in a row😅 Could you please make a video about health insurance in Germany? Maybe with the comparison? I have signed the contract with Barmer bcz my friend recommended this company, but now a lot of people tell me that maybe TK or AOK are better. Thanks a lot one more time))

[@simplegermany]

Fantastic! Glad they are helpful! We currently have a guide on health insurance: www.simplegermany.com/private-vs-public-health-insurance-germany/ When it comes to the different public providers, TK, AOK and Barmer are all great and offer more or less the same cover. There are small differences with their individual bonus programs but for those you need to actively partake. We believe once you have signed up with one, you need to stay with them a year or two and should you be unhappy then you can change. 😊

[@pturner13]

If you are a foreigner with a place of residence in Germany and you visit regularly, Commerzbank accounts are expensive - 30€ per month. I’m actually planning to switch to N26 as a branch isn’t necessary and I’ve got a means of using ATM internationally through my US bank and they reimburse me for ATM transactions.

[@tirth09]

It would have been so helpful if I saw this before opening my account. Just because of the DOB issue I had to visit the physical branch. Could you also add a quick portion on adding the virtual Master Card you can get on Apple Pay? I saw they give it for free. Can it be used for online transactions?

[@FaridaGalal-ik4ky]

Thank you for the video it is super helpful. I opened the basic account with the girocard and virtual debit card. However I want to apply to a physical debit card but can’t seem to find the option anywhere. Is it possible to do that and how? Thank you

[@user-xm1bi3zf7c]

Hello girls! Thank you very much for your videos, super useful honestly! I just received my Girocard, is there any specific procedure in order to activate the card? Or I can directly go to the supermarket for example? First use shall be contactless or should I enter the card and type the PIN? Thank you sooo much again! :)

[@simplegermany]

Congrats! Usually for the first use you should use the chip and the pin and then you are good to go 😊

[@nishthanarayan3839]

Hi, thank you for this video. I have a question, while identifying myself at the commerzbank do I need to take hard copy of my antrag or soft copy will be okay?

[@icabby3185]

i am a UK contractor just arrived in Germany 4 weeks ago i have discovered your channel and i must say your content, style and information is spot on amazing i am trying to watch at least 2 - 3 of your videos a day to get a good idea if i would like to stay. i did my Rathaus registration today.

[@simplegermany]

Welcome and smooth settling 😉

[@faramarzmokri9136]

You guys are great. Very helpful and thank you for your detailed work.

[@cristina5593]

Hi! Thank you for such a thorough and detailed explanation! I´m moving to Frankfurt in August and I wanted to ask you two questions: 1) In Commerzbank; do you know if it´s faster to open the account online or to go in person to the branch? Or is it around the same time frame? 2) Generally speaking, is it better to take money (around 8,000 EUR) in cash and then deposit it in my german account or should I wire it once my german account is set? (An account such as this one in the video.) I know exchange rates and fees come in place and it depends on which banks and maybe there isn´t a straightforward answer but still I wanted to ask you. Thank you!!

[@simplegermany]

Hey Cristina, congrats on your upcoming move! 😊 We believe it is faster if you fill out the application online and if you are from the EU you can verify yourself online or otherwise just head to a branch for verification. Regarding money transfers, one of the cheapest options to do international transfers is via Wise, so you could wire money from your home country to your German bank account with that service. However, you should have some cash available for the first days/weeks in Germany, as a Commerzbank account takes some time to open (you need to do your Anmeldung first).

[@cristina5593]

@@simplegermany Many thanks for your reply! And also thank you so much for all your valuable content! You´re both awesome!!

[@sal78sal]

Personally, I think very few things are more cool than walking into a bank with 8,000 in cash, or 80,000 and telling the teller "I'd like to make a small deposit".

[@Mischek1600]

Hello i love your videos, I had a question, what should i do if my name is not within a to z? do i enter "g" instead of "ğ" ?

[@janeroque4733]

Thanks for the video! But I have a question... Are you able to use the visa debit card from Commerzbank with Wise or Remitly?

[@simplegermany]

You should be able to connect it as a payment method. Wise also comes with its own card. So not exactly sure what use case you are referring to.

[@anastasiabakogianni1616]

Hi Girls, that was a very informative video but I think you are missing one point that is kind of important. In Germany in many cases you need to pay with cash, which means you have to have some ATMs around you. The ATM you can find the most in any are is the one from Sparkasse I think. I am aware you mention that from Commerzbank you can still withdraw money for free from Deutsche Bank and Postbank but those ATMs are harder to find as they are not so many. So I think one more factor for the evaluation could be the ATM accessibility.

[@simplegermany]

It is indeed a factor in our general bank overview 😉

[@ineshbibi2162]

Thank you, your videos are soo helpful, on july i’ll be moving to germany, do i need an anmeldung to open an account ? Because my appointment is on August …. If yet what re the other options please

[@simplegermany]

Yes, you need your Anmeldung for Commerzbank. We list other banks in English in our guide: www.simplegermany.com/best-german-bank-english-speakers/

[@ahmadkhanar]

Excellent job!!! Thank you for your information how can i be in touch with one of you i need your help plz!

[@pratikdas6847]

Update April 2023: Commerzbank no longer accepts only anmeldebestatigung for opening a checking bank account. A residence permit (Aufenthaltstilel) is MANDATORY without which we can't open an account. While this was the case for me (Indian passport), it's likely to be the same for all non-EEA passport holders. Thanks.

[@simplegermany]

Thanks for sharing. It still seems that resident permit yes or no depends a bit on the branch and your nationality. Just a few days ago, we got a comment that they didn't need to show their RP but their friends did. But the likelihood that you need it when you are from outside the EU/EEA is high, as we also state in our latest banking video: kzbin.info/www/bejne/eGHNqa13lK-MnsU.

[@beatrizferrari8658]

Thank you so much for the video. I just have one question to you guys. You mention in the video that the Steuer-Nr is not needed to open this bank account but in the city I live in, when I went to ask the bank what I needed to open an account they said that without it it wouldn't be possible. I have already done the Anmeldung but am still waiting for that information. Do you know a way to avoid that? Thnx

[@simplegermany]

It seems every Commerzbank branch office have different criteria depending on the applicant's nationality. In this case, if you have already completed the online form, and you need to do an in-person identification, then you need to wait for your Tax ID to arrive. Your Tax ID should arrive within a few weeks after completing your Anmeldung. We talk a little bit more in detail about the Tax ID in our written guide: www.simplegermany.com/tax-number-germany/#What_is_the_tax_ID_in_Germany

[@ulhrick]

Make a video about HOW TO OPEN A GERMAN HEART... maybe the toughest thing to do :-)

[@simplegermany]

We don't know about opening their hearts, however this video might help you start some German friendships 🙃: kzbin.info/www/bejne/n37SoomdotZ_bqc

[@Drfayham]

Hey Vielen vielen Dank fürs ausführliche Video! Ich würde jedoch gerne wissen, (falls ihr zufällig wisst) ob ich einen Termin bei einer Filliale vereinbaren muss, um mich identifizieren zu lassen oder geht es auch ohne?

[@simplegermany]

Das geht auch ohne 😊

[@Drfayham]

@@simplegermany Dankeee ihr seid die Besten!

[@juliakile9628]

Please help me, I opened an account with Commerzbank, I have a virtual card MasterCard, where can I find the expiration date and cvv? The app only shows the card number

[@raghuveerdani4046]

I have heard that we can file the yearly bank maintenance charges in the income tax returns. For e.g. if Sparkasse charges me 60€ yearly, I can get it back at the end of the year while filing it in icome tax returns. Is this true? If yes, how to do it?

[@VJ29110]

Thanks for your video. Quick query. Do we need to open Current account? As when I am opening link in English, it is showing as Open a free current account. I need to open one account where my salary gets transferred and I can use it my savings purpose too

[@simplegermany]

A current account is the same as a checking account (in German Girokonto). This is a standard bank account for everyday life, with which you can of course receive your salary. 😊

[@KIos56]

Hey folks, thanks for the videos! I'll be moving to Mulheim in a few days, can you please tell me if there is a good Commerzbank coverage ATM wise in Mulheim?

[@simplegermany]

One simple Google search will give you the answer and exact locations of Commerzbank branches. Remember, you can also use ATMs from Deutsche Bank and Postbank for free 😉

[@sal78sal]

Good question, presumably these girls have a photographic memory of ATM locations in Mulheim.

[@racingweirdo]

All comerzbank girocards are co-branded with mastercard debit

[@techitaka4804]

great video thank you through the link in the description i tried to open an account for my wife she is Croatian and the process was easy till they asked about a paper that proves she doesn't live in Croatia even we provide them with adress decision from Einwohneramt and working documents. any suggestions how get it done without that

[@simplegermany]

Yes, we agree with you, a Meldebescheinigung and possibly work contract should be enough to proof that you are living in Germany. If you get stuck with the online process, we would suggest going to a branch to present the documents there.

[@IndianFamilyinGermany]

Sehr Gut Jen und Yvonne. Ich habe ein Commerzbank Account

[@maimunarahman6632]

Hey guys, thanks to you. I successfully opened my account, but i received my pin through letter first, instead of receiving the information about activating online banking. So, how should i take this situation as? Also, can I make transactions now as I've received the pin,without the giro card?

[@simplegermany]

Fantastic! 😊 Yes, the PIN and girocard get send in separate letters, usually just a few days apart from each other. So your card should be on its way. You should also receive letters to install your online banking, give it a few more days.

[@wudh]

I’m wondering about the 700€ per month. Is it considered the transfer from student blocked account as well? Because in that case all student should be able to open the account with them.

[@simplegermany]

Technically that would be a transfer from your own account and shouldn't qualify. But to be sure, ask about it in your local branch.

[@anlozturk6571]

Thank you for this video. I followed exactly what you explain and except one thing it has worked. I went to a branch for ID verification but the bank officer asked my registration documents and Tax ID. Since I am still waiting my tax ID from registration office, i could not open my account...

[@simplegermany]

Thanks for letting us know about your experience. We hope your tax ID will arrive soon. Otherwise, you can also go to your Finanzamt and ask for it in person. 😊

[@sindhuimmaculatemacy2793]

Amazing video, it helped a lot. However, I have a quick question, if you could help me answer. I understand the minimum amount to be maintained 700€ every month, if I do not use this amount or lets I have a salary coming in every month which is 4000€ and I only spend 500€ and the rest is just savings, will I be charged 9,90 € if I don't have much transaction on my account ? Thank you very much for this amazing video

[@simplegermany]

The 700€ don’t need to be maintained, they just need to be incoming, e.g. from a salary 😊

[@sindhuimmaculatemacy2793]

Thank you so much, You guys deserve much viewers. I will recommend to my friends. Thanks again guys @@simplegermany

[@MrChiranjitDeb]

Thank you Yvonne and Jen for putting up so much of effort!!! Highly appreciate both of you girls. I was wandering if you could make a fans meet up plan in some weekends! I have recently come from India to Düsseldorf with my family. My wife and I both have been watching all of your videos since we planned to move to Germany. You guys indeed helping people to make their life simpler in Germany!!! Would love meet you both some day :)

[@simplegermany]

Welcome to Germany!! Thanks for your very kind feedback! … and stay tuned 😅😇

[@rareslucabotezatu4162]

Hello! So even if i dont request the mastercard debit card, i can still get the virtual one for the apple pay?

[@simplegermany]

that should work

[@iremebrar]

How can ı find my reference code online banking?

[@anapaulamurillo3801]

Hi, it is very helpful and I also wanted to know how can you open a bank account from another country I am currently going to Germany but until march (to study for my exchange) and I am very excited about that however for my scholarship they ask me to open a German account but I do not know how since I am still not in Germany

[@simplegermany]

All German banks require you to be in Germany. As a student you can open a blocked account, which might be what your university is asking for. We have a guide about it: www.simplegermany.com/best-blocked-account-germany/

[@ganeshsalunkhe2123]

Hello Jenn and Yvonne, Thanks a lot for all the information.. I am a bit late in watching your video.. I have opened my Account and done verification today... But while logging into my account.. I come to know.. I have forgotten my Username and ID.. I was under the impression that the bank is going to provide it.. Can you please tell me how I can retrieve both..??

[@simplegermany]

Check your email to see if you have info there. If not, contact their customer support.

[@mys31f70]

Somehow, I'm the only one so far in my friend group to open a Commerzbank account successfully w/o my Aufenthaltserlaubnis? Dunno why, but a friend of mine and my cousin both have problems with identification at a branch, since they kept saying that their visas weren't enough to open an account (which I successfully did even without a 6-month+ Aufenthaltserlaubnis). Anyone else getting this problem, or is it just my friend group? When they told me that they couldn't do the identification in the branches, I had to tell them to do the identification in a post office instead, which is a bit of a bummer.

[@maimunarahman6632]

As an international student, Can I use the account opening link in the description box to open an account and get the benefits provided for students?

[@simplegermany]

The free student account is called Startkonto. It is different to the described Girokonto. This is our partner link for the Startkonto if you like to use it: www.simplegermany.com/commerzbank-student/

[@nishanmadhavan]

Quick question: the 700€ incoming - can it be personal transfer as well? Like if i receive 700€ from a friend is it still considered and i can avoid charges?

[@simplegermany]

Yes, any incoming transfer counts 😊

[@nishanmadhavan]

@@simplegermany thanks for the reply ❤️

[@angelod5721]

Does the 700 euros apply if you are a student and your Expatrio blocked account transfers 934 euros a month to your account? Or will I still get a 9.90 euro charge because it's not technically "income"?

[@nadunjayasundara8111]

Did you find an answer for this?

[@zinkzhang1752]

Can commerzbank also use in European Union when I travel？

[@simplegermany]

Yes, you can 😊

[@user-ps1no1no1b]

After how many days I will get my letter and card by post it is about spent one week till I didn't receive it

[@simplegermany]

It can take 1-2 weeks. If you haven't received anything, we would suggest calling them as we describe in our guide: www.simplegermany.com/open-commerzbank-account/#Contacting_customer_service

[@thorz7304]

For me as someone who is in professional contact with different banks, Commerzbank an Postbank are the last i would choose. Service is slow as fuck if you have questions/problems...

[@simplegermany]

Which one would you choose that offers English banking and customer service?

[@innocentmadanhire2391]

Which one do you recommend?

[@hashimoto00]

Do all german banks have a mobile application supported ?

[@simplegermany]

All the ones that we talk about, yes 😊 www.simplegermany.com/best-german-bank-english-speakers/

[@majorkerr1333]

Hallo. Habe eine Frage 🙋‍♂ would one open a bank before one arrives in Germany or to open it there?

[@simplegermany]

For Commerzbank only once you live in Germany and registered your address.

[@majorkerr1333]

@@simplegermany Danke sehr für die schnelle Antwort.

[@soukainalibiad6927]

Hi, I need your help 🙏🙏I am trying to open my bank account but I have a problem with the "Arbeitsverhältnis" stage. I am a student and I choose "student" but when I reach the "Angaben bestätigen" stage it says "trainee". I have corrected it so many times but it doesn't work.

[@simplegermany]

Do you use the original German form or any translated language? Try again with the original German 😊

[@soukainalibiad6927]

@@simplegermany I tried both

[@matej.mezera]

The videoIDENT staff talked to me in English (without even asking if I knew german). So you don't need to understand german to perform the online verification.

[@simplegermany]

That's cool. Thanks for letting us know :)

[@ciaracevedo1747]

Hallo!! looking to have some info about Kleingarten (meiten oder kaufen) Bitte! ;)

[@simplegermany]

Every city has different Kleingarten Vereine with different regulations. We suggest you google Kleingartenverein for your city and speak with them directly about possibilities. We know from friends that certain Vereine are fully booked quite often though.

[@ciaracevedo1747]

@@simplegermany Danke!! I didn't know that it was different for every city!! Thank you!!!

[@junejavivek]

Thanks for sharing information, Please can you share information how to activate PhotoTan app , Bank will send some details in Postbox for it ?

[@simplegermany]

Yes, exactly. You can read the process again in our guide: www.simplegermany.com/open-commerzbank-account/#3_Activate_your_online_banking

[@jayganeshsaravanan6152]

Hello Simple Germany team...I am an international student having blocked account with Kotak Mahindra...I need a perfect bank to which I can transact the money to...Will Commerz bank be a good option?? And Do I need tax id for this process? Please reply...

[@simplegermany]

We can't advise directly on banking matters and are not familiar with Kotak Mahindra. You can find all our content on blocked accounts and regular bank accounts in our guides: www.simplegermany.com/best-blocked-account-germany/ www.simplegermany.com/best-german-bank-english-speakers/

[@hikingviking859]

So if I get a job there, my employer will set me up with direct deposit?

[@simplegermany]

Yes, after you tell them your bank account details 😊

[@user-oo4tz7ww1e]

pls help me !!!! SOS !!!! I don't have function to legitimate myself at post office , I have only one option (not like in your video instruction) to go and Legitimate yourself at BANK office pls tell me why?

[@simplegermany]

Maybe your nationality cannot be verified in the post office. You can choose branch and go there. You don't need an appointment and the process is faster than going to the post office. All the best!

[@rohinishinde6736]

Do we need to receive 700€ per month for no charges or it should be ok to deposit 700€ in account for one time

[@simplegermany]

It needs to be a monthly income to your account. Otherwise, you will get charged 9,90 euros a months.

[@faramarzmokri9136]

To make sure I understand . I am planing to go to Germany as a US visitor for 3 months. A couple of months prior to my departure I will apply to open an account on commerzbank online as you shown in your video . After my arrival I go to a commerzbank branch in Germany in person with my US passport and a copy of my application that I previously filled up then I should be able to get approval and with some cash deposit get started banking in Germany and EU. Am I correct?

[@simplegermany]

Almost. You need to be registered in Germany to be able to get a Commerzbank account. But you should only register if you stay longer than 3 months. This is not a good option for travelers. A Wise account is easier for that purpose.

[@hashimoto00]

can u please explain why Mastercard debits cant be used online with payments ?

[@simplegermany]

With a Mastercard you can pay online. But the card that is included for free is a Girocard Maestro, which is different to a Mastercard. We explain the different card types in our guide: www.simplegermany.com/best-german-bank-english-speakers/#2_Girocard_vs_Credit_Card_in_Germany

[@hashimoto00]

thank uu😍

[@hashimoto00]

when one registers at Commerzbank, does he get a bank account different than the mastercard or not? sorry i dont understand banks too well

[@simplegermany]

You get a checking/current bank account and with it the free girocard, which is the most accepted card for shops and restaurants in Germany. You can also optionally get the Mastercard for which you will need to pay 3,50 euros a month.

[@hashimoto00]

​@@simplegermany thank uuu so much

[@edgarventura2071]

Can you make a video about crypto regulations in Germany I heard Germany is crypto friendly

[@simplegermany]

Yes, it is possible to trade crypto in Germany and lots of modern bank accounts and online brokers offer crypto investments. You could watch these two videos: kzbin.info/www/bejne/pGOYhISrqJlorrM and kzbin.info/www/bejne/n3nRiGain8prhNk

[@muhammadsarimmehdi]

Also, would it be possible to transfer funds out of the Commerz bank account to my Wise account whenever I want?

[@simplegermany]

Yes, you can do unlimited free transfers in the SEPA zone.

[@akshayrajesh8960]

Commerzbank Berlin is not giving accounts to students, they told you need a work contract to open the account .

[@simplegermany]

Commerzbank has a dedicated account for students called StartKonto, maybe try that one.

[@gemcugina]

I am from Bugaria and I am living in Germany my husband is working here and I am at home locking for my little daughter. I want to open account in bank 26 what document I need. Thank you.

[@simplegermany]

You should be able to open an account just with your ID. You can learn more in our guide: www.simplegermany.com/best-german-bank-english-speakers/

[@user-hz3ls2fx7j]

Picked this bank as the most friendly to people who do not speak German, but got rejected because I am a citizen of Russia. At least could've rejected me when I did the online registration and not make me drive to the bank office.

[@sal78sal]

Im sure that cant be the real reason. Do you have your PR or legal residence in Germany?

[@nishamj7212]

Will commerz bank charge for doing International transfers?

[@simplegermany]

Within the EU you can use a SEPA transfer and that is free of cost. If you do international transfers outside of the EU, then most banks (including Commerzbank) charge a hefty fee. In this case, better check wise out (www.simplegermany.com/wise)

[@amychan6820]

Does the money from a blocked account fulfill the requirement of 700 euros a month? It should be more than enough but I'm not sure.

[@simplegermany]

In our opinion it should.

[@josephonyango5171]

Hallo ,, Yvonne,! Du hast gesagt mit Commerzbank man sollte 700€ verdient,,,,aber dafür habe ich eine Frage,,,,welche Bankkonto empfehlen sie für jemanden der New in Deutschland ist und 500€ monatlich verdient

[@simplegermany]

Du kannst unser Tool Banks nutzen, um das beste Bankkonto für dich zu finden: simplegermany.com/banky

[@WaelCreates]

i have a question please, i will be having an ausbildung soon in germany, and i want to know if i could start an online business such as shopify or something like that as a freelancer also can i open a bank account/ and make credit card ?

[@simplegermany]

Whether you can start a side business depends on the conditions in your residence permit. Usually residence permits based on an employed contract exclude any other type of work without special permission. If you can have a side business, you should open a separate bank account for it. We have an extra guide for those: www.simplegermany.com/best-banks-freelancers-germany/

[@WaelCreates]

@@simplegermany thank you, hopefully my residence permit will allow me to start an online business, if not what should i do to make extra money from a side hustle 😅

[@karinland8533]

@@WaelCreates you can allways apply for a Minijob those are 450€ max and do not get taxed. Often waiter, cleaning, stocking shelves ... You can search for at Arbeitsagentur Jobbörse. If you can start a freelance business be aware you have to get registered

[@WaelCreates]

@@karinland8533 even if open a youtube/tiktok account do i need to get registred ?

[@karinland8533]

@@WaelCreates I actually don’t know. If you sell stuff for sure

[@candicesbooks]

Hello girls, first of all : thanks !! you are SO helpful you have no idea. Is the online banking with commerzbank good? Can we manage several things with the app? or do we always have to call the customer service?

[@simplegermany]

You have full access via online banking. We have never needed customer service. 😊

[@nikhil.m.a771]

Can an international student from India can open current account in commerzbank after the city registration?

[@sal78sal]

of course you can

[@nikhil.m.a771]

@@sal78sal Is it ?.. I heard students from my university saying that they will not allow Indian students to open account in Commerzbank. I don't know whether it is regional thing , like the city our university is in (Ilmenau) and also Sparkasse also have monthly charges for students also in that area.

[@sal78sal]

They are not going to discriminate because you are Indian. Just get your paperwork and you will find a bank.@@nikhil.m.a771

[@bluvet8351]

How to change my bank account to student account ?

[@simplegermany]

Most likely you need to contact them and show them a proof that you are a student. Maybe they can change it for you.

[@danieltambunan9717]

So, you need to first registred in ABH and then you can make a bank ?

[@simplegermany]

What do you mean by ABH?

[@danieltambunan9717]

@@simplegermany Ausländerbehörde (?)

[@simplegermany]

😅 If your are a non EU citizen then yes. You will need your residence permit to open an account with Commerzbank.

[@ahmedganna7632]

Is it possible to open a commerz account without the residency permit ?

[@simplegermany]

If you’re a not EU or EEU citizen, you’d most likely need to verify your identity in person at a branch. In some cases, they ask for a residence permit. We cannot guarantee that they won’t. You can always try and see how it goes.

[@ahmedganna7632]

I have tried today and it worked without the residency permit , thx 🙂

[@simplegermany]

Fantastic, great to hear! 😊

[@sabafj369]

😱 OMG!!! This video just in time. Thank you so much 💓💓💓😊.

[@HR-bt6bc]

Is it possible to open an account for NON residents?

[@simplegermany]

Unfortunately, one of the requirements is to have your Anmeldung. So no, at the moment, you cannot open an account as a non-resident with Commerzbank.

[@yen4310]

Hello, I am an exchange student in Germany and I have a question. I have searched on the internet that students (below 27 yrs old) don't get charged for monthly fees. Is this true?

[@simplegermany]

Yes, there is an extra free student account 😊

[@yen4310]

@@simplegermany I'm going to the commerzbank tomorrow, this is good to know thank you!