Bank AI
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Commerzbank — Frankfurt-headquartered universal bank supervised by BaFin and the ECB, with a heavy SME and Mittelstand focus.

HQ
Frankfurt
Customers
11M+ private and business clients
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Commerzbank current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Commerzbank are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Commerzbank account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Read by Bank AI

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Not yet supported

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • REWE
  • EDEKA
  • Aldi
  • Lidl
  • Kaufland
  • Deutsche Bahn
  • Amazon
  • IKEA

Detected subscriptions

  • Netflix
  • Spotify
  • Disney+
  • DAZN
  • Telekom
  • Vodafone Deutschland

  • How much sits across my Commerzbank Girokonto and Tagesgeld today?
  • Compare my Commerzbank business-account spend with my personal account.
  • List every recurring Telekom, Vodafone and Sky payment on my Commerzbank account.
  • What's the next Commerzbank credit-card minimum payment due?

Does Bank AI move money on my Commerzbank account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Commerzbank. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Commerzbank app.

How does Bank AI connect to Commerzbank?

Commerzbank exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Is comdirect the same as Commerzbank?

comdirect is the digital-direct subsidiary of Commerzbank. Bank AI reads each one as its own connection, so a Commerzbank branch relationship and a comdirect account stay distinct.

Does Bank AI work with Commerzbank business accounts?

Yes. Where Commerzbank exposes Geschaeftskonten under PSD2, they appear under your Commerzbank connection and are tagged separately from personal accounts for clean SME reporting.

What about my Commerzbank Tagesgeld?

Tagesgeld and other savings products offered by Commerzbank are read as distinct sub-balances under your Commerzbank connection, with rates surfaced where exposed.

What happens if Commerzbank raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Commerzbank-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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