As the regular readers of our special portal know, the current account of the Comdirect Bank is one of the absolute best accounts in Germany.
5 things that Comdirect customers value the most:
- unconditionally free account management
- free Girocard and Visa credit or prepaid card
- withdraw cash free of charge around the globe
- further accounts, like savings account, securities account or loan possible
- account opening from within Germany and abroad possible.
Details about the services: www.comdirect.de/cms/girokonto.
Details about the account opening for:
1. Account opening for German citizens in Germany
You apply for the account through the link mentioned above. After the online account application, there are two possibilities of legitimating:
You go with the ID-coupon and your ID-card or passport to a post office branch of your choice and confirm your identity there. The post office forwards your identity to the bank. This method is free for you!
VideoIdent consists of a video call conversation with Comdirect. You will have to hold your passport in front of the camera. Additionally, the bank staff member will take a current photo of you through the webcam.
Things you need for the VideoIdent method:
- computer with Webcam (can also be in an Internet café)
- current Flash Player (Program for the video call)
- ID-card or passport
- mobile phone number or email address (to receive the TAN-confirmation)
2. Account opening for foreigners in Germany
The application is also provided through the above mentioned link. Depending on the nationality, there are one or two methods for identification available.
ID-cards, national ID-cards and passports of nearly every country are accepted by the Deutsche Post branch offices as a data base for the PostIdent-procedure.
As the German residential address is only stated on the foreign ID-documents in the rarest of cases, the submission of a registration certificate will be required in many cases. You can obtain a registration certificate at your local citizens service/registration office. In Bavaria, this official certificate costs currently Euros 5.
The legitimating via video call is currently available to holders of identity documents from the following countries:
3. Account opening for German citizens abroad
For German citizens abroad (expats) that have a valid ID-card or passport, the VideoIdent-procedure is a great simplification.
The legitimating is the same as in “German citizens in Germany“. Additionally, a confirmation of the address abroad is required. This proof can be provided easily. Proven – at no additional costs – are phone bills, electricity or gas bills, or a bank statement from a local bank: simply a document that states your abroad address.
ID-form with notarial confirmation
This procedure, in which a notary verifies your identity based on the ID-card or passport and confirms it using the ID-form of the Comdirect bank, can be used as an emergency solution, if you live in a country, where the Internet connection is not sufficient for video calls.
4. Account opening for foreigners abroad
The Comdirect also accepts customers, who live abroad and are no German citizens.
However, please note that the German language should be understood at least elementarily. The telephone customer service will also be able to deal with English, but the online banking and mailings of the bank are only available in German language.
For non-German citizens abroad, there is a total of three legitimating methods. Please choose the one that is easiest for you.
No matter in which country you are currently – you can take this convenient way of video call, if you have an identity document of the following countries:
ID-form with notarial confirmation
The legitimating through the ID-form can be implemented from most countries. However, please contact the customer service of the Comdirect bank and ask about the current situation (e.g. whether an apostille is required).
The legitimating through the PostIdent-procedure is always possible. For example, if you are visiting Germany. However, we know of cases in which the Deutsche Post has declined this legitimating – probably because of the foreign address – but there are also cases in which it worked well.
How VideoIdent works (please start the video):
Possible challenges: too few creditworthiness data
The Comdirect Bank can offer such excellent conditions, such as the free Visa card, because it is a clever direct bank. However, that also means that many processes happen automatically.
Thus, each application on a current account opening is assessed by the computer and this suggests an account opening or a rejection of account opening. For this, the computer evaluates various data, such as the monthly income, among others.
In addition, a creditworthiness check through the German credit investigation company SCHUFA (German article) is made. If you live abroad or are only recently living in Germany, then there will be probably only few or no data at the Schufa. This has a negative impact on the creditworthiness rating and may lead in some cases to a rejection of the account opening.
Don´t be frustrated by an automatic rejection!
The Comdirect Bank is one of the best German banks not only due to the very good conditions, but also because of its comparatively very, very good customer service.
Explain your situation to the bank and say (or write) to the bank about the purpose of the account. There are so many cases in which a re-examination – taking into account the new information – led to a successful account opening.
Delivery of the mail
The bank statements are provided as a PDF document electronically to your virtual mailbox in the online banking system.
The access data for online banking, as well as the Girocard and Visa card, are sent to you by mail.
The delivery is in any case – regardless whether in Germany or abroad – free of charge.
And if you wish, you can also state a different address.
“Yes, I want to become a Comdirect customer”
… free current account with additional benefits!
Questions on the account opening?
Our editorial staff would be happy to answer your questions on the account opening at the Comdirect, as well as on the legitimating methods. Please post your question in the comments box at the bottom of this page.
Please feel invited to add your experiences and tips / advices to this page for the benefit of all readers. Many thanks!
After editorial deadline: Sequence of the account opening as a video
Link for the immediate account opening ► https://www.comdirect.de/sofortkonto ✔