Comdirect GiroKonto

Yes. The Comdirect app and online banking are in German, and our free step-by-step English guide walks you through the application. Short support requests get answered in English, though the phone line runs mainly in German.

You need a German registration (Anmeldung) and a German address. Comdirect may check your residence status, and it accepts a wide range of visa types. EU citizens apply with their national ID alone.

Online banking opens one to two working days after your VideoIdent call and photoTAN setup. The physical Visa debit card reaches you in about a week, and you can pay with Apple Pay or Google Pay well before then.

€0 in any month you stay active: €700 of income, one Apple Pay or Google Pay payment, or one trade plus one savings plan execution. A month with none of those costs €4.90.

Yes, and it pays off twice. The GiroKonto handles salary, rent, and direct debits like any current account, and a monthly income of €700 or more keeps the account free on its own.

Tagesgeld PLUS is the savings account that comes with your GiroKonto. New customers earn a promotional 1.75% a year, granted until further notice rather than for a fixed term; the standard rate without any promo is 0.75%. Your money stays available every day.

Yes. Comdirect is a broker as well as a bank, so you open a Depot in the same login and buy shares, funds, or run any of 500+ free ETF savings plans from €1 a month. That is why expats who want to invest pick Comdirect over a plain neobank.

At 7,000+ Cash Group ATMs: Commerzbank, Deutsche Bank, HypoVereinsbank, and Postbank. GiroKonto Aktiv covers 3 free withdrawals a month, Extra covers 5, and Plus is unlimited. Many supermarkets like Rewe and Penny also pay out cash at the till.

You confirm each transfer by scanning a photoTAN image with the app, and you open the app with your fingerprint or Face ID. It replaces SMS codes, which fraudsters can intercept.

Yes. The free Visa debit card handles daily spending, and you can add a Visa credit card from €1.90 a month if you want a credit line or deposit-free car rentals. You apply for it separately in online banking.

SEPA transfers inside Europe are free and often arrive in seconds via instant payment. Transfers outside the SEPA zone carry a fee and take one to three working days. You start both from the app or online banking.

Yes, on request and subject to your credit check. Comdirect grants a Dispokredit tied to your regular income, and the current rate is 8.65% p.a. (variable). Keep it for short gaps rather than long-term borrowing.

Comdirect is a brand of Commerzbank AG, supervised by BaFin and the ECB. German deposit protection covers your balance up to €100,000, and photoTAN plus biometric login guard your access.

Yes. Comdirect has no branches of its own, so you pay cash in at Commerzbank machines. The first three deposits each calendar year are free, then each one costs €4.90.

Yes. The GiroKonto handles SEPA direct debits for rent, utilities, gym, and subscriptions, and you can view or cancel any mandate in the app whenever you like.

Aktiv is €0 with active use and gives 3 free ATM withdrawals a month. Extra at €2.90 adds a Visa credit card and 5 withdrawals. Plus at €9.90 brings unlimited withdrawals and a travel insurance package. All three share the app, the free Visa debit card, and Apple and Google Pay.

Yes, any time in online banking or the app. Your new tier and its price start with the next billing cycle, so you can begin on Aktiv and move up if you travel more.

Aktiv works for most people: free with €700 of monthly income and everything you need for daily banking plus investing. Pick Plus if you travel often in Europe and want the travel insurance and unlimited free cash.