After I recently tested Volkswagenbank, I'm now taking a look at comdirect Bank's offers. It is the online subsidiary of Commerzbank and has been in the black for years. Nice when the bank earns money. However, I am interested in what you get out of it as a customer. So what are comdirect's offers really good for?? I researched, compared numbers and summarized them in the following overview.
The current account
First of all: I use the account for years myself. Why I am so satisfied, you can read here. Last year, comdirect was named Germany's best bank (Euro am Sonntag). Focus Money tested comdirect and says: Most secure online bank. For some time now, comdirect customers have also been able to pay with their cell phones (Apple Pay or Google Pay).
In the check: comdirect current account
- mostly free account management *
- free VISA card
- Withdraw money worldwide free of charge
- 9,00% overdraft interest
- high security standards (mTAN, FotoTAN, HBCI)
- Very fast account opening with cell phone or webcam
* There are a few special features (like other banks). So the VISA Card (Debit) is basically free of charge. But not the Girocard (formerly: ec-card), it costs 0.99 EUR per month. Account fees of 4.90 EUR are only charged if certain criteria are not met. You can avoid them if you know the following:
- no monthly fee if you are under 28
- no monthly fee, if mind. 700 EUR incoming money per month
- No monthly fee if you make three cashless payments via Apple Pay or Google Pay
For all new customers, however, the following applies anyway: From account opening, the first 6 months are free of charge.
A great thing when you are on vacation abroad: With the comdirect VISA card you can withdraw cash worldwide free of charge. Although other direct banks also offer this (e.g.B. DKB or ING). The fact is that this service alone quickly saves a few dozen euros per year. For turnover requests of 200 euros or more, as well as for country changes, you automatically receive an SMS for information and control.
Financial manager
The "Personal Finance Manager" has been available in online banking for years at the same time. It works like an automatic budget book. You get a glimpse of where your money stays. Your account transactions are automatically assigned to certain categories. You can edit the categories freely and also create your own top or bottom categories. Create subcategories. The turnovers are sorted chronologically or according to certain search criteria. The graphical display of your sales will then give you the full overview. Great, or?
Figure: Graphical analysis in the comdirect Finance Manager
Service via video chat
The comdirect uses the video identification on request. You can open an account directly via videochat, so you don't have to go to the post office to show your ID like in the past. The webcam on your laptop or cell phone is all you need. The same applies if you have entered your PIN incorrectly several times and your account has been blocked for security reasons. You can unlock it immediately via video chat. Of course, this will never happen to you. But if you are on summer vacation in Thailand – this can save you.
Special feature: Your own PIN
Tip: If you are one of those people who find it difficult to get used to a new PIN: You can set up your own PIN at any Commerzbank ATM. This applies to both the VISA and the giro (EC) card.
The daily allowance account
The comdirect call money account is part of the current account (therefore call money "PLUS"). This has the advantage that credit can be transferred to the overnight account in seconds.
Tip: Open a call money account at the same time, even if there is hardly any interest at the moment. Just use it as a free sub-account. You can simply deposit money here, which you cannot access directly with your cash card. Maybe because you need it for a later expenditure and thus "block" it before spending. And even if your girocard is stolen or you lose it, your money is protected from unauthorized access in this sub-account.
Check: comdirect call money account
Award: Germany's most secure online bank
The current interest rate of the comdirect call money account is 0.30 percent. You can find better offers in my daily allowance account comparison. My rating is "well. The comdirect current account on the other hand is really a good offer. It doesn't cost you any monthly fees and brings you a nice bonus after 3 cell phone payments in any case. This is exemplary service and shows that comdirect is serious about customer care.
Update: The comdirect could be in the last €URO bank test as "Overall winner" claim. She wins the annual competition with it to the 5. Times. On place 2 follow HypoVereinsbank, then ING and the Postbank. The 5. Place shared by netbank and Targobank. comdirect also emerged as the winner in the direct bank category. HypoVereinsbank was named best branch bank.
The comdirect current account is very suitable as a first account, but also as a free second account. You can find the current test winners under "Best checking account".