Commerzbank review
Updated October 17, 2026 · SumCue Editorial Team
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Our verdict
Commerzbank combines everyday banking with investing and borrowing under one roof, unlike platforms that focus only on trading. For readers who want a current account, savings options and a securities account with app access, it keeps household money and long term plans in one place.
Key facts
- Best for
- Households wanting banking and investing in one place
- Markets
- Stocks, ETFs, Bonds, Funds↗
- Regulators
- BaFin↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Platforms
- Banking App↗
- Interest on cash
- 2.25%↗
- Legal entity
- Commerzbank AG↗
- Headquarters
- Germany↗
- Founded
- 1870↗
- Support channels
- Email, Phone, Help-centre, Chat↗
- Features
- Mobile app
- Pricing model
- No monthly fee
- Audience
- Students, Kids
- Official website
- commerzbank.de
Loans
- APR
- 3.29% to 12.49%↗
- Loan amount
- €1,500 to €100,000↗
- Term
- 6 to 119 months↗
- Credit check
- Hard↗
- Funding time
- Payout generally within 24 hours after the fully digital application and credit approval↗
- Representative example
- Ratenkredit legally required representative example: effective annual rate 6.64% p.a., fixed nominal rate 6.45% p.a., term 60 months, net loan amount EUR 10,000, 60 monthly instalments of EUR 195.41, total EUR 11,724.55↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- At least 18 years old, fixed residence in Germany, current account at a German bank receiving salary or pension, statutory credit check with a Schufa report free of negative entries; private purposes only, not for the self-employed↗
- Loan types
- Personal↗
Savings
Pros and cons
Pros
- Combines current accounts, savings, loans and securities accounts
- DirektDepot supports online investing across shares, ETFs and funds
- Banking App manages finances anytime and from anywhere
- Includes retirement provision and insurance alongside daily banking
Cons
- Broad banking and investing range may feel complex for focused trading
- Portal content and product detail are presented in German
- Self directed securities account expects comfort with online decisions
Who it suits
- Households comparing savings, borrowing and investing together
- Beginners starting regular ETF and fund savings plans
- Founders and freelancers managing business and private finance
Who should look elsewhere
- Readers seeking a trading only platform
- Readers needing non German account servicing
A bank for private and business clients
The portal serves both private and business clients, bringing online access together with the offers and information people need for day to day banking. It suits founders, freelancers and entrepreneurs who want business and personal finances handled in one place. Beyond daily banking, the range extends into investing and borrowing, so customers can plan several goals with a single provider. Direct online access keeps those services close at hand, whether a customer is at home or working away from the office.
Investing with a self directed or assisted route
Investors can open an online securities account and buy shares, exchange traded funds, exchange traded commodities, funds and certificates. The range is broad, so people can build a diversified portfolio across regions and sectors without managing each holding separately. Regular investment plans for selected funds and exchange traded funds let people invest smaller amounts each month. A further option lets the bank's experts invest on the customer's behalf once the customer has chosen how much to put in, which suits people who prefer a hands off approach.
Everyday accounts and cards
Current accounts come in several versions, so people can pick one that fits how they spend, set money aside and receive income. Daily available deposit accounts offer a flexible place to keep money that may be needed at short notice. Card choice includes debit and credit options for payments at home and abroad, with the card network chosen by preference. Phone based management suits people who want to check their finances while away from home, and it keeps day to day banking within easy reach.
Borrowing across personal and business needs
Borrowing options range from general purpose personal loans to renovation finance for owners who want to improve a property. Property financing covers purchases and building projects, while business customers can access operating loans, investment loans and equipment finance. Some lending draws on government backed development funding for qualifying projects. Each product carries its own conditions, so anyone considering a loan should review the terms carefully before committing to a plan. Those planning ahead can combine these borrowing routes with investing to suit changing needs.
How Commerzbank compares
9.1 vs 9.4
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9.1 vs 9.4
9.1 vs 9.3
9.1 vs 8.7
9.1 vs 9.2
9.1 vs 8.7
9.1 vs 8.6
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.0
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.8
Where Commerzbank is available
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Which everyday products does Commerzbank cover?+
Commerzbank covers current accounts for different needs, daily available savings, investment solutions and loans for private purposes. The same portal also addresses founders, freelancers and entrepreneurs. Retirement provision and insurance topics are included as well.
How does online and app access work?+
The Banking App lets account holders manage personal finances at any time and from anywhere. It provides online access to accounts and related banking services. The portal brings together online access with offers and information needed for daily banking.
What investment options are available?+
The DirektDepot supports online wealth building across shares, ETFs, ETCs, funds and certificates. Savings plans for selected ETFs and funds are also presented. An assisted investment option is available for readers who prefer expert management.
What borrowing options are described?+
Options include a loan for general purposes, a renovation loan for property owners and property financing for purchase or building projects. Business loans, investment loans and leasing access support commercial needs. An overview page groups all loan options together.
Which regulators oversee Commerzbank?+
Commerzbank is overseen by BaFin. (Source, checked September 26, 2026)
Which platforms does Commerzbank support?+
Commerzbank supports Banking App. (Source, checked September 26, 2026)
Which company operates Commerzbank?+
Commerzbank is operated by Commerzbank AG. (Source, checked September 26, 2026)
Where is Commerzbank based?+
Commerzbank is based in Germany. (Source, checked September 26, 2026)
When was Commerzbank founded?+
Commerzbank was founded in 1870. (Source, checked September 26, 2026)
How can I contact Commerzbank support?+
Commerzbank offers support through Email, Phone, Help-centre, Chat. (Source, checked September 26, 2026)
Sources
- commerzbank.bluematrix.com/sellside/EmailDocViewer checked September 26, 2026
Backs: Investor protection, Regulators, Licences
- en.wikipedia.org/wiki/Commerzbank checked September 26, 2026
Backs: Founded, Headquarters
“Founded 26 February 1870 in Hamburg”
- settle-in-germany.com/banking/accounts/reviews/commerzban... checked September 26, 2026
Backs: Card type, Card network
“Use one Girocard with Visa functionality alongside unlimited Cash Group withdrawals”
- commerzbank.de checked September 26, 2026
Backs: Interest on cash
- commerzbank.de/hinweise/impressum checked September 26, 2026
Backs: Deposit protection
- commerzbank.de/kontakt checked September 26, 2026
Backs: Support channels
- commerzbank.de/portal/media/a-30-sonstige-medien/pdf/prod... checked September 26, 2026
Backs: Annual fee
- commerzbank.de/privatkunden/girokonten checked September 26, 2026
Backs: Audience
- commerzbank.de/privatkunden/immobilienkredite/baufinanzie... checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Purpose
“Effective annual interest 4.54% p.a., fixed nominal interest 4.45% p.a., term/interest fixation 10 years”
- commerzbank.de/privatkunden/investieren/depot/depot-eroef... checked September 26, 2026
Backs: Features, Markets, Platforms
- commerzbank.de/privatkunden/kredite/ratenkredit checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Free early repayment, Funding time, Lender type, Loan types, Representative example, Term
“Nettodarlehensbetrage: Minimum 1.500 EUR, Maximum bis 100.000,00 EUR”
- commerzbank.de/privatkunden/kreditkarten checked September 26, 2026
Backs: Card kind, Rewards type
- commerzbank.de/privatkunden/sparen-anlegen/tagesgeld checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Pricing model, Monthly fee, Rate type
- germanymore.de/spotlight-on-commerzbank-direktdepot-onlin... checked September 26, 2026
Backs: Legal entity
“Commerzbank AG, headquartered in Frankfurt am Main”
Compiled from 14 source pages, checked October 17, 2026. We did not open an account.
Not confirmed yet: Minimum deposit, Stock trade fee, Account fee, Inactivity fee, Retail accounts that lose money.