comdirect

comdirect is the direct banking and brokerage brand of Commerzbank AG in Germany. Originally founded in 1994 and fully integrated into Commerzbank in 2020, it operates under Commerzbank’s banking license. The offering includes a current account with a German IBAN, a Visa debit card and optional Girocard, online and mobile banking with strong customer authentication via photoTAN, and support for Apple Pay and Google Pay. Fees depend on usage and product configuration; account maintenance, card, and cash withdrawal charges may apply under certain conditions. Cash withdrawals are enabled at Cash Group ATMs in Germany, with possible charges at other networks and abroad. Savings products cover instant‑access accounts and term deposits, in part via partner platforms, with interest rates subject to change. The brokerage provides access to German and major international exchanges, derivatives via issuers, and a broad selection of ETF and stock savings plans; order pricing generally follows a base‑plus‑variable model plus third‑party fees, varying by venue and instrument. Web and mobile platforms include research and charting tools, with separate trading apps available. Account opening is handled online using video identification, with eligibility focused on residents of Germany. Payment capabilities include SEPA transfers and international wires via Commerzbank’s infrastructure. Customer service is available through the app, secure messaging, and telephone. Deposits are covered by the German statutory deposit guarantee up to 100,000 EUR per depositor and, additionally, by Commerzbank’s participation in the private deposit protection fund, subject to its current rules. Commerzbank is supervised by BaFin and the European Central Bank.