Comdirect Bank, a brand of Commerzbank AG, is offering a variety of financial products with different interest rates in December 2024.
Below you will find a detailed overview of the current conditions for current accounts, daily money, fixed-term deposits and personal loans.
comdirect: Current interest rates on checking accounts
Comdirect is a popular direct bank in Germany, which is mainly due to its free checking account convinced.
With fair conditions, extensive services and a strong focus on digital banking options, the bank offers an attractive solution for modern banking customers. Particularly exciting: The current account is free if certain conditions are met, offers low overdraft interest rates and allows convenient cash supply worldwide.
The Comdirect checking account is free if you pay at least monthly €700 cash receipt have, three payments with Apple Pay or Google Pay make or a securities trade carry out. If these conditions are not met, only falls €4.90 account management fee per month – a fair amount for the services offered. For young customers 28 years the account is free regardless of these conditions.
A big advantage is that Visa debit cardwhich is offered at no additional cost. This means you can withdraw cash free of charge from all ATMs with a Visa symbol worldwide – ideal for frequent travelers. If you also need a classic credit card, this is available for €1.90 per monthwhich is also very attractive in terms of price.
comdirect checking account: Current conditions at a glance
| Account management fee | Free if the conditions are met, otherwise €4.90 per month |
| interest on credit | 0% pa |
| overdraft interest | 10.75% pa |
| Visa debit card | For free |
| Visa credit card | Optional, €1.90 per month |
| Withdraw cash | Free at all ATMs with Visa symbols worldwide |
| Deposit cash | Free at Commerzbank deposit machines |
| Daily money PLUS account | 3.0% interest pa for 3 months up to €1,000,000 |
| Bonus when opening an account | Up to €150 |
comdirect offers a perfect combination of modern banking solutions and attractive savings offers.
If you are looking for an account that combines flexibility with strong benefits, comdirect is an excellent choice.
comdirect: Current interest rates on overnight money
The comdirect offers a daily money accountthat particularly through flexibility and one attractive interest rates for new customers convinced.
It is ideal for anyone who wants to invest their money safely but access it at any time. A big advantage is that free account management – no matter how high the deposit is. New customers also benefit from one attractive promotional interest rate of 2.75% pawhile existing customers receive variable conditions based on current market interest rates.
A highlight of the offer is that the daily money account does not require a minimum investment amount, making it suitable for every saver – regardless of whether they have large or small amounts. For new customers the interest rate is for 3 months guaranteedwhich makes comdirect an interesting choice for short and medium-term investments. In addition, the money is available at any time, without notice periods or fixed terms, which offers maximum flexibility.
In addition, the daily money account can be easily combined with the free current account from comdirect, which offers further benefits such as bonuses and additional interest offers. This makes comdirect suitable both for savers who prefer short-term investments and for those who are looking for long-term cooperation with a reliable banking partner.
comdirect daily money: Current interest rates at a glance
| Customer status | Interest rate pa | validity | Maximum deposit | Availability | Account management |
|---|---|---|---|---|---|
| New customers | 2.75% | For 3 months | Up to €1,000,000 | Accessible at any time | For free |
| Existing customers | Variable | Unlimited | No limit | Accessible at any time | For free |
The New customer campaign With 2.75% interest, the comdirect daily money account is particularly attractive for short-term savers, while the easy handling and free account management speak for long-term use.
Existing customers can also benefit from the availability and flexible conditions – albeit with variable interest rates.
comdirect: Current fixed-term deposit interest rates at a glance
Comdirect offers a Fixed deposit account to that through secure interest rates and fixed terms – ideal for investors who value predictability.
With terms of one month to ten years You can flexibly decide how long you want to invest your money. The interest rate is fixed at the beginning and remains constant throughout the term, regardless of market fluctuations. This offers you planning security and protects you from interest rate risks.
Another advantage is that statutory deposit insurance up to €100,000 per person protecting your credit. Please note that no access to the invested capital is possible during the term. At the end of the term, the interest will be credited and you can use your capital including interest.
comdirect fixed-term deposit: Current interest rates at a glance
| Duration | Interest rate pa | Minimum investment amount | Maximum investment amount | Interest credit | Deposit insurance |
|---|---|---|---|---|---|
| 1 year | 1.50% | 500€ | €100,000 | At the end of the term | Up to €100,000 |
| 2 years | 1.70% | 500€ | €100,000 | At the end of the term | Up to €100,000 |
| 5 years | 1.70% | 500€ | €100,000 | At the end of the term | Up to €100,000 |
Note: These conditions are current and subject to change. For the latest information please visit the comdirect website.
Please note that no access to the invested capital is possible during the term. The fixed-term deposit account is therefore particularly suitable for funds that you can spare for a certain period of time. At the end of the term, your balance including interest will be transferred to your reference account.
comdirect: Current interest rates on personal loans
comdirect offers a variety of credit solutions that can be perfectly adapted to different needs – be it for short-term shortages, larger purchases or investments in securities. It is particularly flexible Overdraft facilitywhich enables quick liquidity during the Installment loan is a good choice for predictable financing.
comdirect loans: Current interest rates & conditions
| Loan type | Debit interest rate pa | Effective annual interest rate pa | Credit line | repayment |
|---|---|---|---|---|
| Overdraft facility | 10.75% | 11.19% | Up to 3 times net income | Flexible |
| Installment loan | Dependent on creditworthiness | Depends on creditworthiness | €1,500 to €80,000 | Fixed monthly rates |
| Securities loan | 8.15% | 8.40% | Depending on the deposit value | Flexible |
For investors, comdirect also offers the Securities loanwhich gives you the opportunity to create financial flexibility without having to sell your securities. All loan offers are characterized by transparent conditions, flexible repayment options and easy application.
A big advantage of comdirect is the ability to apply for loans completely online. You can obtain an offer from the comfort of your own home and benefit from individually tailored conditions that are tailored to your financial situation. With fair interest rates and a high degree of flexibility, comdirect offers loans that are interesting for both private individuals and investors.
Regardless of whether you are looking for a short-term solution or planning long-term financing – comdirect is a strong partner for your financial needs.
Experiences with comdirect: This is what customers say about current accounts, fixed-term deposits, etc.
comdirect is one of the most popular direct banks in Germany and impresses with a wide range of offerings, including current accounts as well as fixed-term deposits, daily money and loans.
Many customers particularly appreciate the easy account management and the attractive conditions, which are geared to the needs of modern bank customers. The focus is on digital solutions that make banking as convenient as possible – from quick account opening to transparent interest rates and fees.
At the checking account comdirect scores points with free account management and an intuitive banking app that covers all important functions such as transfers or card management. Many customers praise the flexibility and good conditions for cash withdrawals – worldwide and without hidden costs.
Also at Fixed deposit and daily allowance Many savers are satisfied, particularly because of the attractive interest rates and the security guaranteed by statutory deposit insurance. Customers report that opening an account is quick and easy, which is a plus point, especially when making time-critical investment decisions.
| Average rating | Frequently praised points | Criticisms | |
|---|---|---|---|
| checking account | ⭐⭐⭐⭐ (4/5) | Free account management, good cash availability, simple app | Expiry of new customer bonuses, fees for some additional services |
| Fixed deposit | ⭐⭐⭐⭐ (4/5) | Transparent interest rates, easy account opening, security | Interest rates are sometimes lower than with specialist providers |
| daily allowance | ⭐⭐⭐⭐ (4/5) | Attractive new customer interest rates, availability at any time | Interest rate reduction after promotional period |
| Customer service | ⭐⭐⭐⭐⭐ (5/5) | Friendliness, good accessibility, competent advice | Waiting times during peak times |
| App & online banking | ⭐⭐⭐⭐⭐ (5/5) | Clarity, easy operation, many features | Occasional technical problems |
| Loan offers | ⭐⭐⭐⭐ (4/5) | Flexible loan solutions, online application, transparent conditions | Interest depends on creditworthiness |
Customers are particularly positive about it Customer servicewho can be easily reached both by phone and chat. The competence of the advisors and the quick processing of concerns are highlighted – a decisive factor that sets comdirect apart from many other banks.
Of course, there are also critical voices, especially when it comes to interest rates, which sometimes prove to be less attractive as soon as the new customer bonus expires. Nevertheless, the positive experiences outweigh the negatives, especially in the areas of user-friendliness and the wide product range.
Comdirect is therefore a bank that is particularly interesting for digital and flexible banking customers who value uncomplicated banking and want to both save and finance. Whether checking account, fixed-term deposit or loans – comdirect offers an all-round solid package that covers many needs.
Conclusion: comdirect – A bank for digital and flexible customers
Comdirect is convincing modern direct bankwhich is ideal for anyone who wants to manage their finances easily and digitally.
Especially this free checking accountthe intuitive app and the attractive conditions They are a popular choice for daily money and fixed-term deposits. Customers especially praise them Ease of usethe good accessibility of customer service and transparency regarding fees and interest.
Comdirect offers savings for savers attractive new customer interest ratesespecially when it comes to daily money, as well as one simple and safe optionto invest money over the long term through fixed-term deposits. The Customer service scores points for competence and willingness to help, which is a big plus point, especially when there are problems or questions.
Who is comdirect suitable for?
- Ideal for digital customersthe one free checking account search with flexible functions.
- Attractive for savers who… New customer promotions want to benefit.
- Suitable for investors who transparent conditions and appreciate a wide range of products.
Some weaknesses, like falling interest rates after the new customer phase or Fees for additional servicescan be a disadvantage depending on the usage profile. Nevertheless, the benefits, especially for customers, outweigh the value digital banking and flexibility place.
With comdirect, you choose a bank that is geared towards the needs of modern customers and offers a comprehensive range of current accounts, savings options and loans.