Bad Service: The phone app for kids accounts was good until it started to log me out instantly every time I want to see my balance on the account. Also the Photo TAN app is extremely useless too since it thinks that the photo TAN procedure isn't activated for my device even though I have activated it with the exact same phone. I've contacted the support via E-Mail and all I hear from the is that I'm in a "queue" and that they'll try their best to fix the problem but they do nothing. Instead of helping me with my account, they set up a 90-day session TAN that needs to be scanned every 90 days. VERY bad service, since they do nothing about the problems I've reported. Never using Comdirect again after expiration of my kids bank account. Also they have a SERIOUS issue with their websites because it shows me that the photo TAN is active but whenever I try to make an internal transaction between my main account to my VISA the website says that the photo TAN procedure isn't activated!? What the heck! Fix everything and I'll (maybe) give them another go but do not make a kids account at Comdirect! Make your life easier!
Review by Freetudu Przywarty2 months ago
I was told by several people to open a bank-account with comdirect. I am German citizen with a German passport (born in Germany!), but am no longer living in Germany. However, I still would like to open a German bank account as, due to my job, I might return to Germany. Unfortunately, this bank requires an identification via a phone-app. This App only works with a German number though. No German living outside of Germany will be able to proof their identiy! Thus, this App is not constructed for its purposes as it will not recognise any phone numbers outside of Germany. Absolute crap! And the "recommendation" of identifying your identity via a notary is absolutely ridiculous. Unless they are paying for this service, I am not willing to pay horrendous prices. Seriously, who ever has heard about an APP which works for 1 country only, but offering service for people living outside of this country??? One of these does not fit together!
Review by Riplee Sadrnia2 months ago
My longtime bank account
I have my bank account and my stock portfolio there since 2002 and never had any problem.
Review by Shirino3 months ago
I have forgotten my PIN and contacted the customer service the first time. They told me to send in email with my signature and ID, I did. One week later, nothing from them. I called again, they said wait another week, I asked what if I still hear nothing from them for another week. They said they don't know and basically cannot help me any further.
Please do yourself a favor and find another bank
Review by JakubP Borat3 months ago
Absolutely terrible bank. Look at all the other reviews here saying the same thing. Here are some of the problems I've had:
1) FEEEEEESSSS!!! FEES FOR ALL OF YOU!!!! They may seem like a good deal on the surface but where they get you is the fees. Sneaky little fees for stupid things that quickly add up. I've been losing 50-100€ per month in fees since I've had my comdirect account.
2) Their ATMs are nowhere to be found in Germany. You end up having to make a 15-20minute special trip any time you want to withdraw money without paying a ridiculous fee. Ain't nobody got time for that.
3) They use this annoying security feature called TAN where you need to enter a code every time you want to do a bank transfer online. To use this you either need to have this crappy sheet of A4 paper that you need to keep track of and carry with you at all times, or you can use their mobileTAN service where they send you an SMS with the code. The catch is that they will charge you yet another fee every time you use mobileTAN. THEY MAKE YOU PAY THEM FOR THEIR ANNOYING SECURITY FEATURE!!??? Cheeky buggers.
4) Their online systems have errors constantly, so the balance shown in your acount (either amount available or total balance) never reflects the real values. This makes keeping track of your money nearly impossible.
5) There is no help in English. If you are an english speaking person living in a non-English speaking country you should avoid comdirect.
Review by Nacho Pinchev3 months ago
I opened an account with comdirect, received the debit and EC cards. But when I tried to activate my account it did not work. I contacted comdirect that told me my account had been cancelled. When I ask for the reason by mail, they answered that they did not have to tell me...
I am not sure this is legal.
AVOID, don't waist your time with these guys
Review by Sgagsgkhlzhkzgxg Onichibe3 months ago
My primary bank account since many years. Since some time i'm also trading stocks there, the fees are low and they offer off-market Livetrading, which saves some additional fees.
The user community is great, giving much information and tipps on current market strategies.
Review by Sandtol3 months ago
I got my day money cash by comdirekt and afterwards it became my first share Depot.
No Problems which could be solved in a friendly way.
I like it :)
Review by Florez4 months ago
I went to comdirect for opening my first Depot to be able to trade on the Stock Market.
And I am rather pleased with the bank and it's service.
I like the very fast response time of the service, the easy to use depot and what I really liked was the videos and articles on the site teaching your how the Stock Market worked.
I can't give 5 stars cause a lot of the tools that the platform has are only usable with IE11, because they are using an old java based system.
There are a lot of small hick-ups that the site still has that could be improved and are regularly asked by the community.
And the community is what equals the bad things I just listed. If you need help, have a question or are unsure on what to do, there are plenty of people there to help you out.
I can't say anything about the Giro account and the other services the bank is offering since I don't use them.
So 4 stars until they improve their website, then it is 5 stars.
Review by JSides Salvaggio4 months ago
Very bad expirience! They do everything for to mislead in error a client and then refuse to help. The one thing that they can repeat is:
“Read our rules. Our rules say...”.
Review by Romani Domschke5 months ago
I would have given ZERO stars if I had the option.
I opened a account as a US citizen in Germany, because my family lives in Germany. The goal was to obtain a Girokonto card, since it is the most common way to pay in Germany.
I always had money in the account and transferred money for my upcoming vacation.
Money was accepted and when I wanted to use my card 3 days later in Germany, it was declined. After calling customer service, I was told the account was closed with NO explanation. The only explanation was "...per our contracts rights!"
So my vacation money is frozen in the account and in Germany with no money. Thanks for ruining my GREAT VACATION!!
Review by Onratchada Reporter11 months ago
I have been a customer of Comdirect since February 2015 when I opened the Girokonto and a Tagesgeld Konto as non-resident (I am from Argentina and still live in Argentina), as I had a chat with 2 agents who confirmed me that Comdirect welcomes customers from many countries (as explained in deutcheskonto.org) and I expressed to one of those agents that I wanted a LONG TIME banking relationship with a German bank and I was then told with Comdirect will have a lasting banking relationship. Promise will not apparently be respected...
Later, during April 2017 I opened a Depot Konto with Comdirect as everything was working wonders during 2017. Being all well till November 2018 when Comdirect sent me a letter stating they wanted to finish my banking relationship... what I see is something happening to MANY Comdirect customers. With NO reason and completely surprising as I always followed all formalities.
There are so many contradictions within Comdirect as what they state in "Comdirect Community" that they only want customers from the EU and with high balances... however that is not expressed in their website. I ensured Comdirect that I am having my Italian nationality in February 2019 and offered to increase my combined account balance under cases 4240546 and 4256396 but still no response from Comdirect. I also emailed the German Bank Ombudsman and will see what arises.
Comdirect is not showing to be a serious bank, they are behaving a in a dreadful way and I do hope they modify this atittude that doesn´t encourage investing in Germany.
Review by Prophotonix1 year ago
Mir wurde mein Konto nach einer Auslandsüberweisung von meinem UK Konto auch gekündigt. Ohne Grund. Ohne Kommunikation. Musste tausende von Euros ein neues Zuhause finden. Die Bank ist lächerlich. NIE WIEDER! FINGER WEG VON DIESEN IDIOTEN.
comdirect is a pathetic excuse for a bank. Without reason, without communication, and without hesitation they announced that they were going to close my account because I received some money from a UK account BELONGING TO ME, YOU MORONS!
Do not trust this bank and do not waste your time with these jokers!
Review by Emersen1 year ago
It's still a bank, but compared to many other banks that I had business with Comdirect ranks even with the better experiences I made and way better compared to some really horrible encounters I had.
Review by Cristiana1 year ago
I opened an account from abroad because I wanted to diversify geographically and transferred over 6 digit amount of euros. After like a month and half they requested statement documents and tax papers which I sent them verifying source of income. 2 weeks later they terminated my account without any reason. Since it is in the ToS they have the right to do this, but not specifying any reason on this and acting like this is unacceptable for me. They even charged me for transferring out the money when it is them terminating my account. I contacted German Ombudsman for further resolution. Customer service on phone and chat were always nice though. They are not scam or no other issue, but very unpleasant experience with Comdirekt.
Review by Daedalus1 year ago
DO NOT GO WITH THIS BANK. They are an absolute nightmare. I lost my bank card and it’s been 2 months and I still do not have one. They sent two out in this time and both did not work as you had to call them first to activate them. I was not even told the first time I had to call them. The second time it was blocked as they couldn’t activate it over the weekend, by Monday I thought it was done and it wasn’t, so this card was also blocked! Also my credit card account was 30 euros over drawn for a couple of days and without being told I was charged 112 euros at the end of the month! Online banking is a nightmare, you have to use a computer to actually transfer money from your regulars account to your credit card account (which is why I was over drawn as I didn’t have a working laptop). It’s 2018 but the phone as is unable to make transfers. The bank is also very slow with all transfers and customer service team are unhelpful
Review by Greavsie Derrow1 year ago
Comdirect are one of the most atrocious organizations I've ever had to deal with. From a banking perspective:
• No Visa credit card provided, just a top up card, even though my personal my average holdings were over €20K
• Misleading multi-currency account offering, which implies you can hold and use $, £ and €. Sterling you can only hold and only sell to Comdirect (at their rates) and dollars you're seriously restricted by how and where to send it. High charges too.
• Seriously rude and unhelpful customer service staff
• Byzantine procedures - it took 5 days to get a new pin and in many cases communication is only by mail or fax (who even still has one of these?)!
• There is no relationship with Commerzbank, so you can’t even go into a branch to get help
• Discriminatory system for non-German clients who get an emphatically 3rd class service such as non-German IDs not being accepted
Review by NRalph2 years ago
I had a very bad experience trying to open a bank account with Comdirect. Despite me having been a previous customer, the service was terrible and everything took incredibly long.
The whole online identification process did not work at all, even though I had done the same thing with another bank and it was no problem there at all! Then I wasn't told that they needed more documents from me in order to process my account, I had to call them up myself and ask what was going on after I hadn't heard anything 2 weeks after I had sent of my documents. All in all a very terrible, painful and time wasting experience, which I would not recommend to anyone!!
Review by Aishanan3 years ago
I have been a client of comdirect bank for one year and I was happy with the services provided. Until one day when I needed to contact the customer service with an enquiry about a wrong charge on my Visa Card, occured while travelling in Guatemala.
What happened is that I noticed a 120€ charge on my Visa account, that I just could not understand how it got there. It was from a failed withdrawal attempt that I hadn´t paid atention to. Because I made a second attempt at the same ATM, I got the money and then forgot about the incident. Later, when I checked my bank statement, the order of the two transactions, the failed and the succesful one, appeared inversed, due to an error in the bank system, so that the first failed withdrawal attempt, appeared as if it was done after my second successful withdrawal.
The inversed order of the transactions was a great source of confusion and future errors, as it led to the assumption that it could have been ATM skimming, rather then a failed cash withdrawal, and my memories about that day were fuzzy. I contacted comdirect to check with them what could have gone wrong, after all they have access to more buttons them me. No such luck, only got a robotic response: "Download a form and choose from a list the exact reason of your complaint. We´re here to help. Bye"
This is how a nightmare begins. Many, many e-mails sent to the customer service in a progressive state of anger and frustration. I filled in that complaint form three times, torturing my brain trying to guess where did the money go. The first time i marked that there have appeared duplicate transactions on my account. They verified the transaction in questionn as valid, no refund possible. It was the wrong guess, I protested and they made me guess again, Another agent advised me to write in my complaint form that I had not authorized this transaction, send the form again, so they would verify the transaction again. The same verification, the same no refund possible, plus the slight implication that I'm not in my right mind and that I keep making unfounded complaints. Because they wouldn´t look into an issue about an unauthorized transaction without having the credit card locked first, I had to call and have the card locked, and so I lost the card for no reason. I was really despaired, confused and out of hope. I still protested, and finally I got a reply from a logical agent that pointed out that the transaction I was going crazy about, had been made first - and presented me with an accurate timetable of my transactions - from which it was obvious, without having to do any verifications, that the Visa Card could not have been copied. Once this piece of information was shared with me, I was able to fill the damn form correctly, and get my 120€ back in approx. one week. They put it back in my Visa Card account (where it was of no use to me, since I locked the card). I had to send 2 more e-mails (the same e-mail twice, for the sake of formality) for the amount to be put back in my giro account, where it came from. Comdirect denied any fault for the slow process until my original problem was solved - 1 month, or creating a secondary problem for me - ridding me of the Visa Card for no reason. Or driving me crazy. They generously offered to send me a new Visa Card abroad for only 50€.
What I´ll do, I´ll get a new bank.
Review by Bspoken3 years ago
Best service I have found this two years. 24/7 customer service and instant call back service are awesome.
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