Is Commerzbank crypto friendly?
Yes for large German corporate clients, no for individuals.
CBL Score: 4 of 16
| Criterion | Score | Source |
|---|---|---|
| Accepts exchange transfers | no (0) | source · checked 8 September 2026 secondary source |
| Stablecoin off-ramp | no (0) | source · checked 8 September 2026 secondary source |
| Business accounts for Web3 | partial (1) | source · checked 8 September 2026 |
| Custody | yes (2) | source · checked 8 September 2026 |
| Staking and yield | no (0) | source · checked 8 September 2026 |
| Card | partial (1) | source · checked 8 September 2026 secondary source |
| Multiple jurisdictions | no (0) | source · checked 8 September 2026 |
| Open to retail | no (0) | source · checked 8 September 2026 |
Total 4 of 16. Yes scores 2, partial 1, no 0. A secondary source is press or a third party rather than the bank or its regulator. Unverified means no source could be found; the score stands until one is.
Score history
Scores are revised when a bank's documents change. Each revision is dated and sourced.
| 8 September 2026 | Card | no to partial | source |
Standing
| Jurisdiction | Germany |
| Type | Traditional |
| Health tag | Watch A 2024 AML fine plus unresolved takeover uncertainty. · checked 26 August 2026 |
| Last verified | 8 September 2026 |
If they close your account
Closure policy: Partial
| Notice | The bank can end the relationship with a reasonable notice period; for a payment service framework contract such as a current account or card contract, and for a securities account, the notice is at least two months (AGB Nr. 19 (1)). Termination without notice is allowed for an important reason (Nr. 19 (3)). If the important reason is a breach of contract, the bank must first set a cure period or give a warning, unless the case makes that unnecessary. |
| Reasons given | By category only (terms breach, security risk, missing documents) |
| Access to funds | After a termination without notice the bank gives the customer a reasonable period to wind up the relationship, in particular to repay a loan, unless immediate settlement is needed (Nr. 19 (6)). Access to a credit balance during the notice period is not addressed. |
| Appeal | No internal appeal step is stated in the AGB. Commerzbank takes part in the consumer dispute scheme of the Ombudsmann der privaten Banken; complaints go to the Kundenbeschwerdestelle at the Bundesverband deutscher Banken, Postfach 040307, 10062 Berlin, ombudsmann@bdb.de. |
| Names crypto as a ground for closure | no |
Sources: Commerzbank AGB (Stand 1. Oktober 2025), Nr. 19 Kündigungsrechte der Bank · official, checked 23 September 2026
Commerzbank Rechtliche Hinweise, Ombudsmann der privaten Banken · official, checked 23 September 2026
A closure usually starts as a freeze. The Frozen Account Survival Kit covers the first 48 hours. Every bank side by side: which banks tell you why they closed your account.
What Commerzbank allows and blocks
Allowed
- Bitcoin and Ether custody at Commerzbank for existing corporate clients domiciled in Germany
- Bitcoin and Ether trading through Crypto Finance (Deutschland) GmbH, a Deutsche Börse subsidiary regulated by BaFin and FINMA
- Crypto held on Commerzbank's own infrastructure, segregated per client, not forwarded to third parties
- Ordinary retail current account with girocard and debit Mastercard, opened online with VideoIdent or PostIdent
Blocked or restricted
- No crypto product for retail customers. Individuals cannot buy, hold or sell coins at Commerzbank
- Corporate crypto offer needs a minimum of 500,000 euros in the crypto asset account, built up within twelve months
- Only Bitcoin and Ether. No stablecoins, no other tokens, no staking
- Corporate crypto offer limited to clients with their registered seat in Germany
- No published policy on retail transfers to or from exchanges such as Kraken or Coinbase
Opening an account
- Corporate crypto: you must already be a Commerzbank corporate client with a registered seat in Germany. Three steps: open a crypto asset account at Commerzbank, complete a separate onboarding with Crypto Finance, then use the transfer processes between the two.
- Corporate crypto minimum: 500,000 euros per client in the crypto asset account, which can be built up over twelve months. Conditions are agreed in individual client discussions.
- Retail current account: age 18 or over, residence in Germany, valid ID, Schufa check. Identification by VideoIdent or PostIdent. The account is usable after verification.
- Business accounts: online registration takes about five minutes, identification via web browser with ID card or passport. GmbH and UG applicants upload the commercial register extract, articles of association and shareholder list. The bank lists no excluded industries, and also no published stance on crypto firms.
- Retail customers who want coins are told to wait: the board said in September 2025 that a crypto offer would come at comdirect by 2026 at the latest. As of August 2026 it had not launched.
Fees that matter
- Corporate crypto custody and trading fees are not published. Pricing is set in individual client discussions.
- Retail GiroKonto: 4.90 euros a month after three free months, waived with 50,000 euros or more in assets at the bank. Girocard and debit Mastercard included, credit Mastercard about 3.33 euros a month.
- Foreign currency card payments cost 1 percent, minimum 1.50 euros. Cash withdrawals abroad in foreign currency cost 1 percent, minimum 5.98 euros.
- Business accounts: Klassik is free for twelve months then 15.90 euros a month, Premium 8.90 euros for 24 months then 34.90 euros, Premium Plus 54.90 euros.
Regulatory history
| 2023 | BaFin granted Commerzbank a crypto custody licence under section 1 (1a) sentence 2 no. 6 KWG on 15 November 2023, the first German full-service bank to receive one. source |
| 2024 | BaFin fined Commerzbank AG 1,450,000 euros on 22 April 2024 for supervisory failures in anti-money laundering controls, including at the former comdirect Bank AG. The fine is final. source |
| 2026 | UniCredit's takeover offer closed on 3 July 2026 with 17.6 percent of shares tendered, only 2.7 percent from independent investors, lifting UniCredit's potential stake to just under 50 percent pending regulatory approvals. The board rejected the offer. source |
See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.
Questions about Commerzbank
Does Commerzbank let me send money to Kraken or Coinbase?
Commerzbank publishes no policy on transfers to crypto exchanges. A third-party guide reports that SEPA transfers to regulated exchanges go through, and that larger amounts coming back may trigger a source of funds request. Keep exchange statements and tax records ready if you plan to cash out.
Can I buy Bitcoin at Commerzbank as a private customer?
No. The crypto offer is only for existing corporate clients with their seat in Germany and needs at least 500,000 euros in the crypto asset account. A board member said in September 2025 that a retail offer would come at comdirect by 2026 at the latest, but it had not launched as of August 2026.
Which coins does Commerzbank hold for corporate clients?
Bitcoin and Ether only. Commerzbank holds the coins on its own infrastructure under its BaFin custody licence from November 2023, and Crypto Finance, a Deutsche Börse subsidiary, handles the trading. There is no staking and no stablecoin product.
Is Commerzbank part of the euro stablecoin consortium?
Not as of May 2026. The Qivalis consortium lists 37 member banks, including German names such as DZ Bank, DekaBank and Helaba, but Commerzbank is not among them. Commerzbank has no stablecoin or tokenised deposit product on its site.
Closest alternatives
Yes for crypto businesses and institutions, not yet for individuals.4/16Raiffeisen NÖ-Wien
Yes for buying crypto inside the banking app, but it is a closed loop and only for Austrian residents.