Apple Pay & Google Pay included: Commerzbank with €150 bonus for the current account

Apple Pay & Google Pay included: Commerzbank with €150 bonus for the current account

Commerzbank is currently making an attractive offer: the free current account has a starting credit of 50 euros and an additional 100 euros bonus if you recommend the service to others. We took a close look at the conditions and revealed who is worth switching accounts for.

Commerzbank: Free checking account from €700 incoming money

The current account at Commerzbank is only free if you use it privately and have a monthly receipt of at least 700 euros from an external bank, i.e. not from another Commerzbank account. However, the receipt of money will only be checked from the second month, so that you have enough time to move your previous current account to Commerzbank. For each month in which you do not manage to receive the minimum amount of money, an account management fee of 9.90 euros will be charged. Additional costs apply for checks and deposits or withdrawals at the counter of a branch, as well as if you have a balance of more than 50,000 euros. Then Commerzbank takes a custody fee of 0.5 percent per year, which in principle acts like a penalty interest.

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

The 100 euro referral bonus is available through Commerzbank's "Customers refer 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 checking account and also uses it actively for three months, you will be credited with 100 euros. The new customers referred by you also get the 50 euro starting credit.

With 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 checking account worth it?

Commerzbank's offer is worthwhile under two circumstances: either if you do not yet have a current account - i.e. for young professionals or students - or if your previous current account is subject to a fee. The 50 euros starting balance is a nice bonus, especially since the account is free of charge from 700 euros a month.

We have summarized which other banks offer free checking accounts - with and without salary payments - in this overview:

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