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The Commerzbank Visa Card is a safe and practical option for those living in Germany who want a card with international acceptance. With no annual fee for the first year, it stands out for its combination of banking tradition and modern features.
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In addition to its wide acceptance, the card offers full control via the Commerzbank app, ideal for easily and securely tracking expenses. It's an excellent choice for those who value reliable support and efficient financial management.
Step by Step Guide to Applying for a Commerzbank Visa Card
- Open an account with Commerzbank
The Commerzbank Visa card is only available to current account holders. Therefore, the first step is to open a checking account with the bank. This can be done entirely online through the Commerzbank website or app.
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- Access your account and start your card order.
After creating your account and having validated your details, access internet banking or the app and go to the cards section (“Kreditkarten”). - Choose the Visa Classic Card
Select the Visa Classic model, with exemption in the first year, and click on “Jetzt beantragen” (Apply now). - Fill in the details and send the documents
You will need to fill out personal, professional, and financial information, as well as submit documents for credit analysis. - Identity verification
Identity confirmation can be done via Video-Ident (video call with document in hand) or at a physical Commerzbank branch. - Wait for approval and sending of the card
After review, the card will be approved and mailed. Delivery typically takes 5 to 10 business days.
Documents Required for Application
To ensure your application is approved without complications, please have the following on hand:
- Valid identity document (passport or Personalausweis)
- Proof of residence in Germany (Anmeldung or official letter)
- Steuer-ID (German tax number)
- Proof of income (pay slip, bank statement or employment contract)
These documents are required for identity verification and credit check (Schufa).
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Commerzbank Visa Card Fees and Conditions
- Annuity: Free in the 1st year
- From the 2nd year onwards: €39.90/year (may be exempt depending on monthly usage or link to Premium checking account)
- Shopping abroad: Currency conversion rate of 1.75%
- Withdrawal by credit card: Additional fees may apply depending on location.
- Invoice installment: Available, with applicable interest (depending on individual credit analysis)
Digital Features
- Commerzbank app (iOS and Android) with real-time spending tracking
- Card compatible with Apple Pay and Google Pay
- Two-factor authentication (2FA) for enhanced security
- Instant notifications of purchases and limits
- Virtual card available for immediate online use
The Commerzbank Visa Card: A Smart Solution with In-Person Support
The Commerzbank Visa Card is ideal for those who want a card with international acceptance, modern management and the support of a traditional bank.
With the convenience of the app and the security of in-person service, you have everything you need to manage your finances with confidence and convenience.
If you're looking for a card with no initial annual fee, international use, and full control via your cell phone, the Commerzbank Visa is an excellent choice.