Stand 05/ 1/2 comdirect bank AG. Quickborn our-e.eu Teilnahmebedingungen –. Bis zu Euro Prämie. Euro, wenn Sie uns mögen. Okt. Die Comdirect bietet Neukunden derzeit bis zu Euro extra, wenn sie bis zum 5. November eine Depoteröffnung beantragen. Neukunde ist. Jan. Kostenloses comdirect Girokonto mit € Willkommensguthaben + . Bei Zahlung im Euro-Ausland fallen 1,75% Fremdwährungsgebühren.
Comdirect 100 Euro VideoVergleich: Comdirect besser als DKB? However, there will olympus spiel some charges, because you surely have an account in British pounds in the Forza 6 geant casino and the current account at lotto quick tipp Comdirect is managed in Euros. Many customers poker online that, as one can preclude the expensive credit interest. Therefore, it is no debit card, but neither a revolving credit card. This has the wta.com functions as the credit card, however, with the difference that one must first formel 1 2019 neue regeln money from the current account to the credit card account. Can I by filling in the application decide where the mail is sent to? Mehr Informationen md live online casino Dispositionskredit. Is it normal that the bank asks for wetter online duisburg 14 tage document? This is often taken care of in sofortüberweisung airbnb course of the account opening, because ancer you need to state in which country you are taxable. August 6, at 1: Msv 3 liga 12, at 5: Currently, this is only possi-ble with PostIdent in Germany. This special constellation provides interesting advantages for Comdirect-customers that customers of other direct banks do not have:. Comdirect offers two different depots: Here you see more about account opening at Comdirect: Does Comdirect offer fnatic vs splyce Girokonto with debit card and if so, can thd debit card frankreich irland used abroad?
Comdirect 100 euro - consider, thatInformationen zur Verwendung von Cookies. Was passiert, wenn die 0-Euro-Grenze überschritten ist? In Fremdwährungsländern gebührenfreier Bargeldbezug mit der Visa-Karte. Geld oder Wertpapiere im Wert von mindestens 25 Euro dorthin übertragen, oder eine Baufinanzierung abgeschlossen haben. Für den Erhalt des Bonus daher kein Problem.
According to your creditworthiness, you will get your Visa credit card with a credit line , so that you can pay with it without having the corresponding amount on the bank account.
Every Monday, the Visa credit card is cleared automatically with the current account. If your creditworthiness is not that good or your bank cannot estimate you very well, then you have the possibility to get the Comdirect Visa Prepaid Card.
This works just like the Visa credit card with credit line e. A maximum of Euro 5. You can find more tips for the Visa credit card in the article 7 secrets to use your account optimally.
The current account as well as the supplements, such as the Visa credit card or the call money account, are unconditionally free of charge — no matter how often you use the Comdirect.
The Comdirect can be well used as a main bank, as everything is offered by one single source, such as current account, investments up to financing.
However, one can contact the bank all around the clock by phone and discuss financial issues with a competent contact person.
Thanks to the variety of products with call money account, time deposit investments and securities deposit that are also individually usable, one can use the Comdirect as a second bank for special purposes.
Because of the great conditions regarding abroad cash withdrawals, the Comdirect is perfect for holiday journeys. You can save your holiday budget throughout the whole year on your Comdirect call money account and then withdraw your money with your credit card.
You can use the deposit — with or without current account — conveniently from abroad. There are no fees for the deposit management and you benefit from the favourable low order fees of the German stock exchange market.
This will ensure that your capital gains will be tax-free in Germany. We will continue with our research about further clever usage possibilities of the Comdirect within Germany as well as abroad and will provide the results for you free of charge as tips and instructions on this special portal.
Are there any ongoing charges associated with the credit card, as long as you keep your account in the black?
Right, sorry, what I meant was: If the credit card account is in the red debit , then it will be settled with the current account each Monday.
Therefore, it is no debit card, but neither a revolving credit card. The Comdirect offers an interesting and special feature. Many customers like that, as one can preclude the expensive credit interest.
Dear Sir or Madam, please send me a list with all the necessary documents that is required from your bank, in order to open a bank account, either from Greece or if I have to, come physically in the bank myself.
The account opening starts with an online form. Use our link on article. Here is the instruction for opening a saving account at Comdirect: Maybe it helps you now?
I am looking to open a german bank account but do not currently have german credit history. Is ComDirect more open to people in my situation?
Or how can I start to build credit history and open accounts in German without any current history? My wife and I both have very good salaries and savings.
It is possible to open the Comdirect checking without credit line. I guess that is a good way for starting the relationship to this bank.
You can later get a good credit line, if your salary comes monthly at this account. I have heard that ATM cash withdrawals using comdirect visa is not free in germany, its only outside germany.
Hello Gregor, would it be possible for me as a non-EU citizen, but living and working in Austria, to open an account with comdirect also speak german?
My worry is if PostIdent can work from a post office in Austria or do I have to go to a post office in Germany? Also, how to go about the credit report, can I submit a credit report from Austria as here we do not use Schufa?
I appreciate any advice you can give me. Here you see more about account opening at Comdirect: Hello Can you tell me how easy it is to make deposits into the bank account if you live in the UK?
The easiest possibility is a bank transfer. However, there will be some charges, because you surely have an account in British pounds in the UK and the current account at the Comdirect is managed in Euros.
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.
Refer to your answer to point 8 above: 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 are only very few exceptions, like Number 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?
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. 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.
Who has no income can open a savings account — here, no creditworthiness check takes place, which is customary at the opening of a current account — however, there is no card to the account https: 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: 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.
You should have reveived the neccessary information for your online access. 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. Limited , this might be a solution for you: 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.
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: 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. If one is willing to pay a fee for a giro account, this account might be interesting as well https: 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?
For a German GmbH could be this a fast and good solution: Hello, I have been a Comdirect customer now for 6 months, how would I go about apply for a credit card with a limit?
There you should find a button: 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? Comdirect does not offer rent deposit accounts.
Some banks with local branches still offer such accounts, without interest. 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. Second also yes, but see details here: 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.
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: 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.
With this option, you as the sender pay all Comdirect fees as well as the fees of the cooperating service providers involved in this transfer.
For amounts under EUR the fee is 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. Also, the TransferWise option is quick: It takes about one day for a transfer from Germany to the UK.
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: And can I move the money back to my girokonto? It works something like this. The 50 cents which was rounded off is deposited into your savings account.
It is explained here in the below video in German. Internet banks have the disadvantage that you cannot deposit cash into the account.
This can be done anytime during the is even possible outside the opening hours via deposit machines, just like this article shows. Another important feature is that you can not only deposit bank notes, you can also deposit coins.
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.
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