Comdirect Joint Account

Plan for about a week. Once both partners finish VideoIdent and switch on photoTAN, online banking goes live in one to two working days, and the Visa cards reach you roughly a week later.

Yes. Each holder gets a personal login and password, and either of you can transfer, pay, and check the balance alone. Every move shows up for both partners in real time.

Yes, both holders complete a separate VideoIdent call. Comdirect sends each of you your own email with the link, and neither video check needs a branch or post office.

No. A Comdirect joint account gives both holders equal access with no built-in spending limit. If you want a hard cap, keep a personal account for individual spending and use the joint one for shared bills.

Yes, one free Visa debit card per holder, both tied to the shared balance. You can add a physical Girocard for €1.00 per card a month if a shop only takes Girocard.

Withdraw for free at 7,000+ Cash Group ATMs (Commerzbank, Deutsche Bank, HypoVereinsbank, Postbank). For deposits, use a Commerzbank machine: the first three each year are free, then €4.90 per deposit, since Comdirect keeps no branches.

Yes, that's what most couples and flatmates use it for. Set up SEPA direct debits (Lastschrift) for rent, Nebenkosten, and utilities, and both holders watch every payment leave the account.

You'll have to wait. Both holders need a registered German address (Anmeldung) before Comdirect opens the joint account. Once the second partner registers at the Bürgeramt, you can apply together.

Yes. A joint account has two named holders, so you each keep your own German tax ID (Steuer-ID); opening the account doesn't merge them. That helps if you and your partner file your taxes separately.

You close it together or turn it into a single account, and both signatures are needed either way. Talk to Comdirect support first; any balance left is divided the way you agreed, or split evenly if you never set a rule.

It depends on your setup. If one holder leaves Germany, contact Comdirect to update the address and holder details or to convert the account. A German address (Anmeldung) is part of the opening conditions, so review the account once one of you deregisters.

Freeze it straight away in the Comdirect app or online banking. You can also call the 24-hour service line or the central German blocking number, 116 116. Blocking is free and takes effect at once.

Yes. Comdirect is a brand of Commerzbank AG and sits under German deposit protection, which covers up to €100,000 per customer. Every login and transfer is secured with photoTAN two-factor authentication, and BaFin and the ECB regulate the bank.

Nothing in a month where one holder receives €700 in income, makes one Apple Pay or Google Pay payment, or runs one trade plus one savings plan. Miss all three and the fee is €4.90 for that month.