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comdirect ist Ihre erste Adresse für Sparen, Anlegen und Handeln mit Wertpapieren. Smarte Lösungen für Finanzthemen machen Ihnen das Leben leichter. Die Comdirect Bank Aktiengesellschaft ist ein deutsches Kreditinstitut mit Sitz in Quickborn. Sie ist mit 2,75 Millionen Privatkunden im Geschäftsjahr eine der größten Direktbanken in Deutschland. Im Laufe der Jahre entwickelte sich das. Die Comdirect Bank Aktiengesellschaft (Eigenschreibweise comdirect bank) ist ein deutsches Kreditinstitut mit Sitz in Quickborn. Sie ist mit 2,75 Millionen. Die Comdirect Bank AG ist ein deutsches Kreditinstitut. Lesen Sie hier aktuelle News und neueste Nachrichten von heute zur Comdirect. comdirect, Quickborn, Germany. likes · talking about this · were here. Willkommen auf der offiziellen comdirect Facebook-Seite. Impressum.

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BrandIndex. App der Comdirect-Bank Quelle: imago images. Commerzbank und Comdirect: Kunden haben bei der Fusion einiges zu verlieren. comdirect ist Ihre erste Adresse für Sparen, Anlegen und Handeln mit Wertpapieren. Smarte Lösungen für Finanzthemen machen Ihnen das Leben leichter. Mit der neuen comdirect App wird Banking noch einfacher. Nutzen Sie die App für Ihr comdirect Konto und behalten Sie so Ihre Finanzen jederzeit und überall. Deutsche Welle, High Roller London In: Frankfurt Neue Presse. Brokerage-Dienste für britische Privatkunden. Die Chance der Fusion liegt für die Commerzbank darin, das Beste aus beiden Welten zu bieten — online Wettanbieter Vergleich Bonus offline. Für die aufgeführten Inhalte kann keine Gewährleistung für die Vollständigkeit, Richtigkeit und Riesenslalom Frauen übernommen werden. Nachrichten zu comdirect bank AG. Septemberabgerufen am VM Sterntaler II. Commerzbank-Tochter comdirect hebt Free Slot Machine Symbols erneut an - Aktie sinkt etwas dpa-afx. In: Nürnberger Zeitung. What is Cash Group? You can make the identity check via webcam immediately after the online application or at a later point of time. I Jewelquest 2 heard that ATM cash withdrawals using comdirect visa is not free in germany, its only outside germany. Once you have transfered money to your comdirect Western Uniono, you transfer it from there immediately to your Prepaid-Visa Seifenblasen Spiel, where it should be then available right Real Betis Vs Sevilla. What will be the amount increase per month?

After few months of use your wallet inevitably becomes bulky with large number of coins. With this bank, you can then collect the coins and deposit them periodically to the bank account.

With the new VideoIdent, you do not have to go to the postoffice to verify your identity. You can directly verify your identity through the internet using Video conference.

The money market account comdirect bank currently bear an interest at the rate of 0. Interested customers who intend to switch account to a comdirect bank, the company offers an account switching service.

Almost unique is the ability for customers to make their account management via the Internet-enabled mobile phone or using a PDA.

The customer of comdirect bank remains on the go and from anywhere is connected with the bank and able to manage, view the current balance or make money transfers.

Open a free German bank account with free MasterCard. See the list of the best bank account promotional offers and deals in Germany.

Read more. A simple step-by-step guide on how to open a bank account in Germany. Open an online Germany bank account and documents required to open a German Bank account.

Applying for a student Visa, au pair or Jobseekers Visa? You need a blocked account. Guide with a comparison between Fintiba, X-patrio or Deutsche Bank blocked account and process what is a blocked account and how to open a student blocked account from your home country.

List of credit card providers with free credit cards in Germany. Advantages of each free credit cards and compare the charges and information about the free credit card in Germany.

The Advanzia bank Free Mastercard Gold credit card offers a lifetime free Credit card with free foreign usage without any transaction charges, Mastercard Gold benefits including free travel insurance, and best option for students and expat new in Germany.

Free Credit Card with Instant online approval, transfer to bank account from credit card and cash back offers. Lifetime Free Credit Card with joining bonus.

Free Credit Card with Instant online approval, transfer to bank account from credit card and cashback offers. Powered by WordPress. V Pay — pay cash in Europe What is a Maestro card?

What is Cash Group? What is cash pool? What should you do in case of loss of card? The six-figure PIN is used to log into the online banking.

After an account opening, one receives several letters. We hope you have a dedicated bank folder where you can keep everything in order.

But in order to do that, one has to enter the old PIN. Best of luck! After 10 days received a letter from the bank requesting to submit the Meldebestatigung.

As I understand this is some kind of a certificate of my place of residence. Where can I get such? In Bundesamt? Is it normal that the bank asks for such document?

Have fun discovering the Comdirect! Will go there tomorrow as my registration is more than 6 months old. Hope they will open an account after I submit this certificate.

Thanks in advance. For somebody who has been used to US account until now, this is probably amazing. The account is free of charge, without condition.

No minimum amount, no minimum turnover. The cash withdrawal is free but unfortunately, as I found out recently the credit card payments through a Comdirect visa card abroad charges a 1.

I have also heard good things about Transferwise Borderless Account. Can you do a review on it as well? How can you find out the account balance using the ATM of the Commerzbank, if you have a card of this bank?

The Comdirect and Commerzbank are two different banks. That does not work in Germany. Best is to install the banking-app of the Comdirect, so you can take a look at your account at any time using your Smartphone.

Thank you very much for this great article and similar ones. It has helped me in understanding the banking system in Germany a lot more clear than any other website.

I have a couple of questions reg. Assume that I made the comdirect as my primary account with my salary deposited monthly and I have opened Girokonto with VISA credit card and Savings account.

Will it affect me in any bad way? Also please give any tips on how to come out of such situations or avoid them altogether?

Can I use overdraft facility on my current account instead of using my credit card? Also, how long can I safely overdraw? Is it weekly too or monthly?

Since I also have savings account, how can I use this as source to take money from for my VISA card instead of my current account? If you know that a payment provider cannot, do not overdo it.

Each bank does an internal customer rating. If problems occur, the rating drops. I have that too. With an incoming salary, that should not be a problem.

The Visa Card is automatically cleared monthly with the current account. There is no interest incurred on the credit card account. However, with online banking, you can make transfers between all three accounts checking account, credit card account, savings account within seconds.

PS: In German language we have recently started to offer consultations. But if you call the bank directly, this is free of charge for you!

Enjoy the further exploration of Comdirect! Thanks a lot for the information. In the first point you mentioned that it would be cleared by the weekend and in the second point, it was said that the VISA credit is cleared monthly.

I am confused. Yes, bank conditions are subject to change and so it is not always easy to keep everything up to date.

The Visa Card of Comdirect is automatically billed monthly to the checking account. This is a process that is convenient and nice for us smart banking customers in Germany, because no expensive lending rates can occur!

Until the transfer, the balance remains interest-free, and if the checking account does not have sufficient credit and an overdraft facility has been agreed upon, only a favorable 6.

That works, right? Below this amount, a fee will be charged. This is kind of ridiculous. But charging online money transfers kind of beats the whole purpose of direct online banking!

If Comdirect really is that thick, could this workaround work? Is it possible to set the Überziehung for my Girokonto to 0? Comdirect as a bank has to pay fees for the use of the cash group as well, and this is where one wants to operate in a way that makes good business sense.

You can withdraw lower sums with the Girocard in various German supermarkets with a minimum purchase of 10 or 20 Euros. This is being used more and more frequently in practice.

Please make sure not to overdraw the account, because with an account balance under 0 Euros it does not work anymore. That means direct debits are reversed automatically — with all consequences.

We always advise the smart bank customers among us to have an overdraft facility. You do not have to use it. It is a security line.

I have settled in Germany and I want a credit card for my travel bookings, I will deposit the amount in the current account and want to use the credit card only with the amount I have in my current account just how N26 works.

I guess this is possible right? And how much is it charged if I swipe the credit card outside Germany?

Is there any monthly balance I need to maintain in my current account or monthly minimum transaction that I have to do with the credit card?

Yes, that can be done with Comdirect. There is no minimum sales or mini-mum balance. Payments in Euro by credit card are free of charge, in foreign currencies a foreign service fee of 1.

More or less similar to N Tip: In foreign countries with a different currency, withdraw cash: This is free of charge on the part of the Comdirect and there is no!

Foreign Service charge! Enjoy the dis-covery of Comdirect Bank! What a tip. Will always withdraw cash instead of paying with credit card next time I am outside EU.

Thanks a lot. What will be the amount increase per month? IS this a proper savings account with fixed interest rate? Perhaps you have already heard that the key interest rate of the Europäische Zentralbank European Central Bank has been A large number of banks pass on the lower interest rate to customers for larger amounts.

The Comdirect does not do that. The account simply has no interest rate. That means in your case: In a month, the 4, Euros will be there, as they are now.

The bank has kept the money safe for you. I have followed the accunt opening procedures on how to open account for a foreigners domiciled abroad.

There is a pdf form to fill out… So you happen to know how and where to send this form once I fill it out? There is no information on that matter available on the comdirect website.

Your thread seems to imply they can — was the agent mistaken? Every account opening is an individual decision of a bank.

Fact is that some US people do have an account with the bank. It used to be easier because as a bank you could earn something despite the account being free.

Today, the monitoring requirements for foreign account holders — especially for US individuals — are enormous, and the accounts are free.

Well, not a good deal. Depending on which services you expect from an account in Germany, there are alternatives.

Good evening, I understand that some basic German language knowledge is expected to open the account. If someone uses the information on your website and attempts to open the account online outside of Germany as a non-resident, would it result in an unsuccessful application or not necessarily?

Thanks and regards, Tamas. However, many do not get an account because they do not understand the language or there are other reasons against it.

Likewise, not every application from a German resident in Germany leads to an account opening. Name required.

Mail will not be published required. I want my comment to be discarded. Only check this, if you are a computer program.

Notify me of followup comments via e-mail. Portal for clever banking in Germany and abroad. Possibility to apply for the bank account and credit card from abroad.

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COMDIRECT BANK AKTIE und aktueller Aktienkurs. Nachrichten zur Aktie comdirect bank AG | | DE comdirect: Bank. Neu gedacht. Als führende Direktbank bietet die comdirect bank AG Online-Banking, Brokerage und Beratung für deine Finanzen auf. BrandIndex. App der Comdirect-Bank Quelle: imago images. Commerzbank und Comdirect: Kunden haben bei der Fusion einiges zu verlieren. Mit der neuen comdirect App wird Banking noch einfacher. Nutzen Sie die App für Ihr comdirect Konto und behalten Sie so Ihre Finanzen jederzeit und überall.

Comdirexct - Commerzbank und Comdirect: Kunden haben bei der Fusion einiges zu verlieren

Was als Versprechen gemeint war, könnten diejenigen Commerzbank-Kunden, die Wert auf Beratung legen — immerhin 56 Prozent — als Drohung auffassen. Kursgewinn gegen den Markttrend. Darum fällt der Euro deutlich unter 1,19 US-Dollar. In: Berliner Zeitung.

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PDF Bundeskartellamt, Banken werben um Kinder als Kunden. Online-Broker gibt Frankreich und Italien auf. Über die 5 Sterne freuen wir uns sehr!

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Tutorial: Wertpapierorder mit der comdirect REST API

The opening of foreign currency accounts — even GBP — is possible as an addition at the Comdirect bank. I am right now living in Germany and willing to obtain a credit card.

So I am reading about Comdirect but I have some clarifications and questions to be asked:. Will comdirect open two accounts for new customer current account and credit card account?

Is my understanding correct? In which scenarios money will be directly deducted from the current account? Where these account will open? If one has a current account in commerzbank so will be there be any impact or relation between current at commerzbank and current account opened by comdirect?

We can deposit the money in the comdirect current account as per needs but how it reached to the credit account — every monday or we can specify a date for automatic transfer and also manually in urgent cases?

Will there be any current account maintenance charges debit from the comdirect bank? Will be there any annual fees from the commerz bank annually for using there ATM machines for deposits?

What is the difference between various kinds of Visa Card Issued by the bank? However, be careful with it. Especially new customers may have chargebacks, if the account is overdrawn beyond the agreed credit line.

The lending rates may change. That depends on how the general interest level currently is in Germany. The lending rates will be charged from your current account every three months, but only, if these incurred.

If you run your account within the positive, no lending rates incur. The Comdirect offers a Visa credit card. This has a credit line, but is still settled with the current account every Monday.

The credit limit can increase, if one transfers money from the current account to the credit card account. The balance remains on the card so it will not be transferred back to the current account on Monday.

New customers sometimes receive the offering to get a prepaid Visa card. This has the same functions as the credit card, however, with the difference that one must first transfer money from the current account to the credit card account.

A maximum of Euros 5, can be charged on the prepaid card. HI, I am from the UK. I would like to use this account and cards during my trips in Europe, not just Germany.

So this is really without charges. On a side note, in a few countries such as the United States ATMs will automatically charge you a fee directly when you withdraw money i.

Comdirect cannot do anything to prevent that. But Comdirect will even refund these fees when you ask them to.

I am currently in the UK. I have an comdirect account and I am very new to this concept. I just want to know what does payment partner mean Zahlungspartner and how do I select.

It is a composite noun and may have several meanings. I am a resident of Pakistan, can i open an account with comdirect, i can not understand German language also.

The account service of the Comdirect is only available in German language. This is common for us in Germany. There, the account opening and account usage is possible completely in English language.

Please note that you need an address in Germany or Austria for the delivery of the MasterCard. What exchange rate is used by the bank?

Instead of charging commissions do they use a more favorable exchange rate? The Comdirect bank uses the exchange rates of the Commerzbank. These kann be queried on the website of the Commerzbank.

About exchange rate, if I withdraw foreign cash when traveling, what rate will be considered since comdirect is euro based?

Comdirect uses the exchange rates of Commerzbank, in which all fees are alreay included. The exchange rates of Commerzbank change, but are okay as a whole.

HI, i am a student living in Germany and i am in the process of opening an account with comdirect. Do i have to have it notarised even thou i live in Germany or i can just fill it in a do a new postIdent?

Thank you. Yes, I think that this will be possible, but please arrange it with the customer service of the bank.

Hi, is it possible to apply for a Girokonto with credit card, without a proof of regular salary? Does Comdirect offer also Girokonto with debit card and if so, can thd debit card be used abroad?

That makes no sense from the perspective of the bank. If the creditworthiness rating from the perspective of the bank is too low for the issuance of a credit card with credit line, it most often offers the issuance of a prepaid credit card.

Except for the credit line, it has exactly the same great features and conditions. A debit card — which is called Girocard at the Comdirect — is always free to the account.

As the debit card is issued by Visa Europe, it works quite well within the European Union. Outside this area, the acceptance varies. In the USA, for example, it almost does not work at all.

Additional note: The salary payment does not necessarily have to be transferred to the current account at the Comdirect, but it is important for the bank that the customer has a steady income.

I would like to open an account with comdirect as I will receive my commission project under EUR currency. Feel free to us it or ask the bank direct.

Some of the services listed in this article are no longer free. Here is our article about the most important changes Breathe: There are a solutions.

Hi, thanks for the article, i have a few questions about using comdirect Girocard at shops like Aldi, or using the visa card for online shopping from ebay, is there any extra fees for using the cards in such way?

Or there is really no fee if you use them in correct places, As i know for example for some pre-paid mastercards there is a 0. Can I by filling in the application decide where the mail is sent to?

I am leaving Germany in a few months, is it possible to change the registered address to the new address in USA?

I am a US citizen who owns a property in France thinking to buy a studio in Berlin. How much interest will comdirect pay monthly or yearly?

For the savings card? Do I have to have The paying credit card to open the savings card? DKB does not open accounts to US citizens yet?

Please check the current interest rates at the list of prices and services of the bank. There is not much sense in posting these here, since they are constantly subject to change.

Maybe you can save yourselves the effort of opening up a new account if you already have a good bank account in France. Wie have a unified payments area within the Euro zone.

Comdirect opens banking accounts for US citizens as well, with the prerequisite of them understanding the German language, since the banking files and the online banking are only available in German.

Thank you much could you please give the link to find out the interest comdirect pay. Also i found the link to which banks pay best term interest and it is a Portuguese bank yet it was not clear how many years one has to leave the money in term.

The bank in France pays. Thank you in advance. In some European countries a credit card is not very helpful, the normal girocard with maestro is more useful.

For those that want a credit card: if you can fund the account wait for 6 months and apply for the card. Ensure your balance is at least twice the limit of the cc.

I am new to Comdirect. Today I received 2 cards girocard and pre-paid visa credit card. I want to know how can I start using the credit card.

If I transfer money to my comdirect account girocard then can I start to use the credit card for withdrawing cash or make local payments when I travel outside Europe.

Once you have transfered money to your comdirect account, you transfer it from there immediately to your Prepaid-Visa card, where it should be then available right away.

Also, before being able to use your Visa card, you have to choose a PIN for it online. Hello im leaving right now in Germany, and i already have account in comdirect, I just want to know if is it possible for me to send money in a Philippine bank?

In order to do this, you go to your login screen of the account and enter your login information your account no. You enter your name, the account information of the recipient and the amount you want to transfer.

I am looking for a cheap current account in Euro zone for my private company registered in another EU country.

Does Comdirect offer its services to companies also? In case your company name equals your own name and does not contain the legal form e.

Dear Sir, I just need to know, how much it costs if I transfer euro form my comdirect bank account to another bank outside EU.

Sincerely yours, Samer. Dear Sir, first of all, thank you for your quick replay. Actually, I need to know, how much it costs if I transfer euro form my comdirect bank account to another bank outside SEPA area for example Egypt or kuwait.

The charge is a percentage of 0. Hallo sir, in related to the above question, sending money outside EU do you have a website which contains a list that i will be able to see how much will i pay when i send money from my account to..

Thank you soo much. Hi, thanks so much for the detailed information. I am a foreign national Australian and about to try and open a Tagsgeld plus account using the notary method.

Yes, that should be possible. Comdirect offers two different depots: one for investors and one for traders. If you are not sure which would fit you best, you might want to ask the bank for further advice.

Hello, my application to DKB bank was rejected. So I am thinking of comdirect account. Because with DKB the withdraw all over the world is free.

Is it the same with comdirect if i use visa card? I applied for a Gemeinschaftskonto and we both got rejected…the other person on the account was a permanent resident in the US before, so I guess FACTA would apply to them too.

I emailed them to follow up and see if they would reconsider, but if that is the reason, then they will probably say no. But of course that liberty has to be granted to banks, companies and private individuals in general a contract is only valid, if both parties agree to it.

Maybe customer service will come through for me though in the end. The website is currently only available in German, but customer service via phone and e-mail is available in English.

The website will be changed to become bilingual. The online application is very easy — the account open within 2 minutes, so that money can be transferred there immediately.

The production of the MasterCard and the possibility to transfer money from there, will only be enabled, once the legitimization process is finished.

Currently, this is only possi-ble with PostIdent in Germany. They are currently working on providing a VideoIdent so-lution.

I hope that the VideoID solution will be implemented soon. I am in berlin now and registering a German GmbH, so I need a business account.

Do Comdirect provides the Business account? I dont have residence in berlin, I am staying at hotel.

So will comdirect allow me to open a business banking account? Saldy no. Hello, I have been a Comdirect customer now for 6 months, how would I go about apply for a credit card with a limit?

You will have to answer a few questions:. TAN to verify the application. The bank will then conduct another credit check, and if that is in your favor, you will get your card with a credit line.

Sorry if this question has been already asked. I am moving to Berlin and I am trying to find an apartment to rent. For that I would need a bank account and a Mietkautionskonto.

Can I open an account — Girokonto is it the same with EC account? Is it so? Comdirect does not offer rent deposit accounts. Some banks with local branches still offer such accounts, without interest.

Fees might apply. Security collateral is becoming more popular, like offered by Deutsche Kaution-skasse. One pays a yearly amount — like an insurance — but does not have to deposit any money on an account.

First question: yes. We opened a joint account and just received our account numbers, IBAN, etc but not yet cards. Just thinking ahead, is there a way to connect a direct debit to the credit card so it automatically debits from the main account at the end of the month so to not incur interest?

Is this feature already included? She can then also get her own cards and online access, but she will not be able to use your account as her own, e.

Many thanks,. Transfers within the SEPA area and in Euro are credited to the account of the recipient the same or latest the next banking day.

Since Comdirect as a German direct bank does hardly run any own accounts at foreign banks, foreign banks transfers are generally processed via Commerzbank.

We cannot say anything on how it works abroad, because our specialty are German banks. We ourselves use for foreign transfers with a change of currency the service provider Transferwise , because the fees are often considerably lower.

The exchange rates are, anyway, and TransferWise is quick as well: about 1 day to the UK. Would that be something for you? If you do the transfer in PST and share the fees between sender and recipi-ent account, it depends on the transferred amount and the selected option for the fee payment.

With this option, the sender pays the Comdirect fee, and the recipient which in this particular case would be you as well pays the respective fees of their bank.

Another option that we ourselves use for foreign transfers with a change of currency is the service provider Transferwise. Here, the fees are often considerably lower as are the exchange rates.

I have a question. I see lots of comments about people being rejected for the Comdirect online application.

Does this mean my application got accepted after the credit check? No chance of being rejected as long as I go to the post office and submit the post-ident forms?

At this point of the process, you application is still pending. First of all, thank you so much Gregor for creating such an amazing site and I really appreciate your work of helping people.

Just sent the application and the PostIdent of comdirect today I live in Germany , hope I get the account and the cards within a few days.

I have a question about withdrawal money by using visa card outside EU zone. If I want to withdraw money in foreign currency outside EU zone, how the exchange rate will be applied?

Do I get to see the exchange rate on the screen of the ATM? I guess there is no withdrawal fee, however I am unsure about any additional fees which is applicable here.

If you withdraw cash from an ATM outside the Euro zone, the only costs that will usually show on that ATM is the fee of that particular bank.

The applied exchange rate is not shown on the ATM screen, but that you can check online, since it is the same that is used by Commerzbank on that particular day at 1 pm.

If yes, does Comdirect prepare a summary of the taxable amount? Your article helped me immensely when i opened a comdirect account for its prepaid credit card.

Now i am leaving Germany and want to close the account as i dont want any surprise charges after i leave Germany.

What is the procedure to close the account? I dont understand German so i am having trouble finding out this information.

If you want to close your account, the best would probably be to do it with a letter by regular or registered mail. In there, you simply state that you want to close your account, specify the account and sign it yourself.

In case there is still some money on that account, you also need to state an account to which that money should be transferred. Is there a possibility to set a recurring payment sepa landschrift?

From the Girokonto online without the need to fill in paper forms? Here money from another account is being debited.

That does not work, because in Germany this is not a custom for private accounts. If you mean recurring payments — i. Hi there, I am British and successfully opened a Comdirect account in February whilst visiting Germany using the Postident procedure.

I have a few questions: — If I want to pay online, can I use both the Girokonto or Prepaid visa karte? And can I move the money back to my girokonto?

The simplest would of course be the Visa Prepaid Card. This means that the giro account is debited with the invoice amount.

In order facilitate that one states the IBAN. A Prepaid Visa needs to be charged first. If one knows the way it is simple. Here is an instruction for you:.

Log into the online banking, and on the first page you will find an overview of the accounts. Here is an excerpt:.

As a correction regarding question 1: The Girocard is usually not accepted for online payments. Outside the Euro zone, with foreign currency, please use the Visa Card, with which that is free of charge.

Earlier, I have asked a question, maybe missed. In Germany? Or abroad if I am a non-German resident? With people who are subject to taxation in Germany, the tax is paid to the tax authorities automat-ically.

The account owner receives an annual statement about that. If you are not subject to taxation in Germany, please notify the bank of it, so that they do not pay any taxes on your behalf to the German tax authorities.

This is often taken care of in the course of the account opening, because then you need to state in which country you are taxable. Depending on the country to which taxation you are subject, you have to declare interest income in your annual tax report.

In order to do that, you can use the account statement at the end of the year, or probably also the annual interest statement.

Within the EU as well as rather many OECD states, banking customer information is being ex-change to promote tax honesty … it is therefore worthwhile to take care of this issue.

From Comdirect you get a German language statement regarding the incurred interest during spring of the following year.

The exchange rate applied in the transactions was quite poor, approx 1. Do you know if the exchange rates can be checked up beforehand anywhere?

Can comdirect reimburse me for those fees as well? Comdirect does not reimburse third-party-fees anymore.

A question. I am wondering, is there a faster or cheaper way to transfer the money and get a receipt? Like in my home country Ukraine I can do a transfer in cash in any bank for a fee, and get a receipt.

Comdirect to Commerzbank is arrives on the account the same day, next day latest. So, usually nobody requires confirmations.

Such confirmations have to be taken care of manually, and labor costs in Germany are higher, many times over, than those in the Ukraine.

You will surely find a good solution. Thanks a lot for your great site! Now, I have a question on how to use the Girocard in Germany.

I have a PIN for accessing the account online. This pin consists of six digits. The six-figure PIN is used to log into the online banking.

After an account opening, one receives several letters. We hope you have a dedicated bank folder where you can keep everything in order.

But in order to do that, one has to enter the old PIN. Best of luck! After 10 days received a letter from the bank requesting to submit the Meldebestatigung.

As I understand this is some kind of a certificate of my place of residence. Where can I get such? In Bundesamt? Is it normal that the bank asks for such document?

Have fun discovering the Comdirect! Will go there tomorrow as my registration is more than 6 months old. Hope they will open an account after I submit this certificate.

Thanks in advance. For somebody who has been used to US account until now, this is probably amazing. The account is free of charge, without condition.

No minimum amount, no minimum turnover. The cash withdrawal is free but unfortunately, as I found out recently the credit card payments through a Comdirect visa card abroad charges a 1.

I have also heard good things about Transferwise Borderless Account. Can you do a review on it as well? How can you find out the account balance using the ATM of the Commerzbank, if you have a card of this bank?

The Comdirect and Commerzbank are two different banks. That does not work in Germany. Best is to install the banking-app of the Comdirect, so you can take a look at your account at any time using your Smartphone.

Thank you very much for this great article and similar ones. It has helped me in understanding the banking system in Germany a lot more clear than any other website.

I have a couple of questions reg. Assume that I made the comdirect as my primary account with my salary deposited monthly and I have opened Girokonto with VISA credit card and Savings account.

Will it affect me in any bad way? Also please give any tips on how to come out of such situations or avoid them altogether?

Can I use overdraft facility on my current account instead of using my credit card? Also, how long can I safely overdraw? Is it weekly too or monthly?

Since I also have savings account, how can I use this as source to take money from for my VISA card instead of my current account? If you know that a payment provider cannot, do not overdo it.

Each bank does an internal customer rating. If problems occur, the rating drops. I have that too. With an incoming salary, that should not be a problem.

The Visa Card is automatically cleared monthly with the current account. There is no interest incurred on the credit card account. However, with online banking, you can make transfers between all three accounts checking account, credit card account, savings account within seconds.

PS: In German language we have recently started to offer consultations. But if you call the bank directly, this is free of charge for you!

Enjoy the further exploration of Comdirect! Thanks a lot for the information. In the first point you mentioned that it would be cleared by the weekend and in the second point, it was said that the VISA credit is cleared monthly.

I am confused. Yes, bank conditions are subject to change and so it is not always easy to keep everything up to date. The Visa Card of Comdirect is automatically billed monthly to the checking account.

This is a process that is convenient and nice for us smart banking customers in Germany, because no expensive lending rates can occur!

Until the transfer, the balance remains interest-free, and if the checking account does not have sufficient credit and an overdraft facility has been agreed upon, only a favorable 6.

That works, right? Below this amount, a fee will be charged. This is kind of ridiculous. But charging online money transfers kind of beats the whole purpose of direct online banking!

If Comdirect really is that thick, could this workaround work? Is it possible to set the Überziehung for my Girokonto to 0?

Comdirect as a bank has to pay fees for the use of the cash group as well, and this is where one wants to operate in a way that makes good business sense.

You can withdraw lower sums with the Girocard in various German supermarkets with a minimum purchase of 10 or 20 Euros. This is being used more and more frequently in practice.

Please make sure not to overdraw the account, because with an account balance under 0 Euros it does not work anymore.

That means direct debits are reversed automatically — with all consequences. We always advise the smart bank customers among us to have an overdraft facility.

You do not have to use it. It is a security line. I have settled in Germany and I want a credit card for my travel bookings, I will deposit the amount in the current account and want to use the credit card only with the amount I have in my current account just how N26 works.

I guess this is possible right? And how much is it charged if I swipe the credit card outside Germany? Our goal is to provide our clients with private mortgage solutions that are fast, fair and effective.

We enjoy a close working relationships with a wide range of sophisticated investors who actively invest in mortgage transactions. While the decision to lend will ultimately come down to the merits of the application, the fact the proposal has been introduced by ComDirect makes a big difference as the investor can rest assured that we have their interests at heart and the protection of their capital is our main focus.

Our network of investors trust in the fact that we have run the necessary checks to ensure the mortgage investment opportunities we present them with have had the necessary due-diligence and are a sound and supported investment opportunity.

About Us. Our investor network We enjoy a close working relationships with a wide range of sophisticated investors who actively invest in mortgage transactions.

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