Commerzbank current account with a premium of up to € 150 - including Apple Pay & Google Pay

Commerzbank current account with a premium of up to € 150 - including Apple Pay & Google Pay

Do you still need a current account? Then maybe the current offer from Commerzbank is something for you. There is now a free current account with 50 euros starting credit and an additional 100 euros bonus if you recommend the service to others. xiaomist has the details.

Commerzbank current account: Free of charge from € 700 incoming payments

The Commerzbank current account is only free if you use it privately and receive at least 700 euros each month from a third-party bank, i.e. not from another Commerzbank account. The incoming money will only be checked from the second month onwards, so that you have enough time to move your current checking account to Commerzbank. For every month in which you do not make the minimum incoming payment, there are 9.90 euros account management fees. Additional costs are incurred for checks and deposits or withdrawals at the counter of a branch, as well as if you have more than 50,000 euros in credit. Then Commerzbank takes a custody fee of 0.5 percent per year, which in principle works like a penalty interest.

You will receive the 50 Euro starting credit after three months in which your account was "active". For this, at least five monthly bookings for more than 25 euros must be received. This could be salary payments or expenses for rent, electricity, the smartphone tariff, online shopping and the like. You also have to open the account online and must not have had an account with Commerzbank in the past two years. The only downer: The bonus is only available if you agree to advertising emails and advertising calls. However, you can revoke this consent after the starting credit has been paid out.

The 100 euro referral bonus is available through Commerzbank's "Customers recruit customers" program. You can generate a special link in the institute's online banking portal and send it via email, WhatsApp and SMS. For everyone who clicks on this link and opens a current account and also actively uses it for three months, you will be credited with 100 euros. The new customers you have recruited also receive the 50 Euro starting credit.

In addition to the current account, you get a Girocard for cashless payments and withdrawals at Commerzbank and Cash Group ATMs, as well as a virtual debit card that you can use for Apple Pay and Google Pay , for example.

Is Commerzbank's free current account worth it?

Commerzbank's offer is worthwhile under two circumstances: Either if you do not yet have a current account - for example for young professionals or students - or if your current current account is chargeable. The 50 Euro starting credit is a nice bonus, especially since the account is free of charge from 700 Euro monthly incoming payments.

Which banks offer free current accounts - with and without incoming salary - we have summarized in this overview:

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