Surprise at the test “Free cash withdrawal in the USA“

Comdirect better than DKB?

“Withdraw cash for free worldwide” – the DKB promotes itself with this slogan.

It deliberately omits to use an asterisk sub-point, which could indicate that local fees may apply depending on the ATM.

DKB and Comdirect Visa Card

Which top Visa credit card will win the cash test?

However, this happens occasionally abroad, for example, regularly in the United States and Thailand. The DKB has no influence on this charging.

The ATM charge is refunded by both!

This refund, however, is made at the request of the customer, so that the promise of providing free cash withdrawals is valid.

This fact is already known to a wide range of customers of the DKB and is used frequently. It is little known that the Comdirect does the same.

Although I am a Comdirect customer myself since many years, I have found out this by accident in autumn 2013 and have the intention to make a test for my readers during my next trip to the USA.

Comdirect and DKB VISA lift every 60 dollars.

US$ 60 were withdrawn using both Visa credit cards.

On January 5, 2014 I withdrew in Lihue, the capital of the Hawaiian island of Kauai, US$ 60 one after the other with both, the Comdirect as well as with the DKB VISA credit card. In both withdrawals, an ATM fee of US$ 2.75 was charged.

All details about the cash withdrawals, conversion into Euros and refunding of the withdraw fee can be found in the following table:

Test data of the cash withdrawal on Hawaii, USA

  Logo der Comdirect
Comdirect Visa Card
Logo der DKB
DKB Visa Card
Editorial note
Withdrawal amount US$ 60.00
ATM fee US$ 2.75
Exchange rate at the Withdrawal 1,3609 1,36211 First Data.
Debit from the Visa credit card EUR 46.11 EUR 46.07
Request for Refund 7th January
Value date of the Refund 8th of January 11th of January
Refund EUR 2.10 EUR 2.03 Please not the Reference of the Difference.
Total cost of the Withdrawal of US$ 60 EUR 44.01 EUR 44.04
Link to the bank

Bank statement of both banks

Accounting of the Comdirect Bank

Account statement of the credit card and current account of the Comdirectt

Account statement of the credit card and current account of the Comdirect

Accounting of the DKB

Debiting and crediting of ATM test at DKB

Debit and credit entry of the ATM test at the DKB

Evaluation of the test result!

In this true test, the Comdirect won with EUR 0.03 advantage! However, the reason lies in the fact that the DKB has allowed more time for refunding the ATM fee. The refunding does not take place at the exchange rate of the withdrawal, but at the current exchange rate on the date of refunding.

Here you can see that the exchange rate of the Euro had continuously worsened towards the US-Dollar throughout the week between cash withdrawal and refund of the fee:

The exchange rate worsened between the cash withdrawal and refunding date.

The exchange rate worsened between the cash withdrawal and refunding date.

On top of that, there is the fact that US$ 60 was only a small withdrawal amount for this test. In order to keep the refund cost as low as possible, one should rather withdraw US$ 600 at once from the ATM.

Since the Comdirect – as in the first US cash test in September (article in German language) – had a slightly worse exchange rate, one would have an advantage using the DKB. Extrapolated to US$ 600 plus US$ 2.75 fee with the true data from the test, the Comdirect would charge EUR 440.81 (EUR 442.91 minus EUR 2.10 refund).

The DKB, however, would only charge EUR 440.48 (EUR 442.51 minus EUR 2.03 refund). Difference: EUR 0.23.

Comdirect and DKB are both ideal for cash withdrawals!

Gigantic advantage to other providers

Due to the fact that a cash withdrawal with the other normally good providers of our special portal, such as

would have been much more expensive, I declare both Comdirect and DKB VISA credit card for ideal German bank cards for an optimal cash supply abroad.

The difference is in the low cent range. Sometimes, the Comdirect wins, sometimes the DKB wins, but both with a gigantic advantage to other bank cards.

This is another confirmation that I selected the DKB and the Comdirect as the true top providers at

Note to the refunding of the ATM fee

In contrast to the test in September, I did no submit the receipt evidence of the ATM fee, not at the Comdirect nor at the DKB. I simply wrote an e-mail about the cash withdrawals and asked for a refund.

The reason for the faster refund of the Comdirect is the processing without prompting. At the DKB, there was a seemingly automated inquiry about the last 8 digits of the credit card number. This, however, could also have been determined by the employee, as I had indicated my main account number in both cases.

DKB and Comdirect Visa Card at the beach

These are the very best German bank cards for cash withdrawals on journeys.

Closing words

Finally, I would like to say “THANK YOU” to both banks. They both offer an exceptional customer friendly current account with a free VISA credit card and, as seen in the test, an ideal possibility of true free cash withdrawal in foreign countries too. You both have my respect and appreciation!

These pages may also interest you:

Withdrawing cash in different countries:

Bosnia | Honduras | Hungary | Ukraine | USA

Read this article in German language:

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Who writes here?

Someone who gained experience with more than 100 banks in more than 20 countries during the past 15 years. My name is Gregor and if you click to continue you can find out why I am here and what this site is for ⇒ continue.

5 Responses to “Comdirect better than DKB?”

  1. Stephen says:

    You have a brilliant website here!

    I’ve been a DKB customer for about three years, and could not be happier – it really is a straightforward and perfect bank!

  2. bob says:

    The comdirect don’t refund the fee abroad anymore since 15.2.2016 that’s crap. I can’t find any atm in Thailand there are not charging a fee.

  3. Hilda says:

    So, withdrawing cash with Visa card from comdirect will always be charged? Doesn’t it say in their website to be free withdrawing outside EU by visa card? I am confused now.

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