Commerzbank photoTAN

71.7K reviews
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About this app

Current information: Due to new protective features in the photoTAN app against the tapping of key material, the app requires the right to access the hardware identity as of version 9.0.0. This data remains on the device and is not transmitted to Commerzbank. Unfortunately, it is not possible to request this right individually. The overall right "Phone function and contacts" must always be requested (partly different designation depending on the Android version).

The right is absolutely necessary to use the app. Subsequent removal of the right can result in the app no longer being able to be used to control orders, as the keys are no longer available.


The new photoTAN app from Commerzbank

Receive push message, check order, approve - with the new photoTAN push function you can approve orders quickly and securely with just one click. With the photoTAN scan function, you still have the option of scanning a photoTAN graphic to generate a TAN.

It is now possible to fully legitimize yourself from the comfort of your own home with the VideoIdent app. With our new feature, the digital first activation, you can after the legitimation with VideoIdent in the next 3 hours easily and quickly activate the photoTAN app with a code that you receive by SMS. This means you no longer have to wait for the activation graphic

The photoTAN app is our most innovative security method. The app offers the highest possible security through a modern and convenient TAN procedure - for all customers who use Commerzbank's online and / or mobile banking.

What do I need the photoTAN app for?

The photoTAN app is one of our security factors. The photoTAN is an important part of every login and transaction in your online and mobile banking. It is used to verify the order data you have entered and to generate the transaction number (TAN).

How does photoTAN-Push work?

The push function of our new photoTAN app is particularly convenient. As soon as a new order is available for you to approve, we send you a notification to your smartphone when you use photoTAN-Push. When you then open the photoTAN app, the order to be approved is displayed directly for you to check. If the data displayed is correct, you release the order with just one click.

How does photoTAN scan work?

After placing an order in Online Banking, a mosaic-like colorful graphic appears on the monitor. You scan this with the photoTAN app. A TAN is displayed immediately. You can then check the essential details of your order again in the app. If everything is correct, simply enter the TAN on the computer and the order is confirmed.

By the way: With our mobile banking, you can make transfers even faster and easier than on your computer. To do this, use the free Commerzbank banking app!

The advantages of the new photoTAN app at a glance:

• Security: Commerzbank's most innovative TAN procedure.
• Uncomplicated: You receive a notification on your smartphone when a new order is ready for approval.
• Fast: You can approve orders with just one click.
• Free of charge: The use of photoTAN is free of charge for you.
• Mobile banking: Quick order approvals via the banking app using the App2App function.
• Offline usability: If your smartphone is offline, you can continue to approve orders easily with the scan function.

For more information on the new photoTAN procedure, visit
Updated on
Dec 2, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Device or other IDs
Data is encrypted in transit
Data can’t be deleted
71.7K reviews
A Google user
August 7, 2019
The app did not capture the phototan image in my phototan activation letter that I originally received. The app instructions did not say what to do, if the phototan app would not capture the phototan image from the activation letter. I called customer service twice, and I speak German quite well and explained the problem. Finally, customer service sent me a new phototan activation letter, and now everything works fine, instantly. It simply should not have been so difficult to set up. I have never had so much trouble getting a new app to work properly.
1 person found this review helpful
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Commerzbank A.G.
August 7, 2019
We are pleased that the activation of the photoTAN has now worked. We apologize for the inconvenience.
A Google user
October 19, 2022
Works fine expect for occasional bug: App freezes before reaching transaction confirmation. Restarting usually works and gets user to confirmation button again.
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Boris Kuznetsov
June 19, 2020
The app is just as bad as the customer service provided by Commerzbank (incredibly incompetent and disrespectful). I've had the app on two phones, on one of them it keeps crashing while trying to confirm a transaction, and on the other one the activation has just disappeared and it's requesting the physical TAN-letter again. Despite the pandemic, Commerzbank still operates like it's the year of 1997 with a physical letter sent to your home address as the only way to restore the activation.
19 people found this review helpful
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Commerzbank A.G.
June 22, 2020
We would like to find a quick solution together with you. Please send us an e-mail to and add your device data and the version of your operating system. Thank you very much. - We send physical activation letters due to security reasons.

What's new

• New Function which enables you to unlock your access to Digital Banking in the future, when you. for example, used a wrong PIN many times in Login Process
• Important: Please activate for this function Biometry in Activation Settings, which you can find in the Menu in the section 'More'