Accounts & headline costs
Sections ↑The first choice is between Pure’s restricted app-and-gettex model and the full comdirect Depot. Joint and Junior ownership, sophisticated platforms and separately approved derivatives services belong to the wider offering. comdirect is the Commerzbank brand providing these services.[3][10][27]
Account comparison01
Account choices and headline conditions
| Route | Cost basis | Important limitation |
|---|---|---|
| Pure Depot | EUR 1 per eligible gettex order; EUR 0 custody and savings execution | App-only; new adult depot customers resident in Germany; no comdirect depot during the preceding six months.Source 2 |
| Full individual depot | Domestic standard order EUR 4.90 + 0.25%, minimum EUR 9.90 and maximum EUR 59.90 | Broader exchange, international and platform access.Source 6 |
| Full joint depot | Ordinary dealing tariff | Joint owners can act independently; Pure has no joint version.Source 10Source 2 |
| Junior Depot | Savings from EUR 1; child account opened by guardians | Assets belong to the child; identification and guardianship documents are required.Source 8Source 34 |
| Cominvest | Managed portfolio from EUR 3,000 initial investment; 0.75% yearly management charge | Additional underlying product expenses; separate managed service.Source 33 |
The custody-fee change that affects comparisons
Reference table02
Full-depot custody by opening date
| Opening date or arrangement | Published July 2026 tariff | How to retain the stated price |
|---|---|---|
| Opened from 15 July 2026 | EUR 0 standard custody | No activity condition stated for this new-depot group.Source 54 |
| Opened before 15 July 2026 | EUR 1.95 monthly, charged as EUR 5.85 quarterly unless waived | Waiver with two trades per quarter, an associated current account, or at least one savings-plan execution per quarter; initial quarter-end exemptions apply.Source 54 |
| Additional depot under the same relationship | No extra custody fee while the first depot remains | Existing individual arrangements or promotions can still matter.Source 54 |
Pricing & charges03
Temporary full-depot discount
| Offer | Scope | Conditions that remain |
|---|---|---|
| EUR 3.90 order commission for three years | Eligible new full-depot customers; current campaign extended to 1 November 2026 | German venues and OTC; venue charges, spread and other costs remain.Source 4Source 1 |
| Excluded transactions | Eurex, CFD dealing and new share issues | The securities campaign does not replace their separate tariffs.Source 4 |
| Eligibility | No qualifying comdirect depot during the preceding six months; excluded partner-managed relationships | Pure and other account models are not interchangeable promotional plans.Source 1Source 2 |
Check the depot’s opening date before applying a custody estimate.[54]
Products & platforms
Sections ↑Reference table04
Products and access routes
| Product | Available route | What to distinguish |
|---|---|---|
| Shares, ETFs and bonds | Pure on gettex; full depot through its wider market menu | Pure’s low order price comes with narrower routing.Source 3 |
| Investment funds | Full-depot fund-company and exchange dealing; eligible recurring plans | NAV purchases can carry a fund-specific purchase surcharge.Source 5Source 34 |
| Certificates, warrants and structured securities | Full-depot issuer and exchange routes | Issuer credit risk and embedded leverage are separate from cash share ownership.Source 7Source 47 |
| Eurex options and futures | Approved O&F account | Exchange derivatives with contract size, exercise and collateral obligations.Source 43 |
| CFDs | Separate CFD account with Société Générale as market maker | Contracts on price movements, not direct ownership of the underlying.Source 18 |
| Crypto-linked ETPs | Eligible exchange-traded securities | A security wrapper is not a personal crypto wallet; check each product’s legal structure.Source 53 |
Reference table05
Platform matrix
| Platform | Main purpose | Access and cost boundary |
|---|---|---|
| Comdirect App / trading App | Mobile account access and securities dealing | Pure trading is restricted to the app route.Source 39Source 3 |
| Full web order ticket | Compare supported venues and submit instructions | Includes domestic, foreign, fund and direct-trading choices.Source 7 |
| ProTrader | Browser workspace with charts, watchlists, news, order book and market depth | Base package is free; extra real-time subscriptions can cost more.Source 38 |
| CFD Trader / CFD App | Separate real-time CFD trading and collateral view | A securities depot balance is not the CFD account’s live margin display.Source 15Source 39 |
| O&F-Trader | Browser Eurex orders and margin simulations | Requires approval for the relevant derivative risk level.Source 43 |
Market and data scope
Reference table06
Routing and information distinctions
| Feature | Published scope | Practical implication |
|---|---|---|
| Full-depot geography | German markets, LiveTrading and international venues in twelve countries | An internationally listed stock is not necessarily tradable on every foreign exchange.Source 7 |
| Foreign online orders | Generally the security’s home market | Changing the place of custody may be necessary before selling elsewhere.Source 7 |
| Soforthandel | Firm-quote style dealing at selected German exchange venues | It is an exchange route, separate from OTC LiveTrading.Source 41 |
| ProTrader market data | Subscriptions determine which quotes are live; non-subscribed packages can be delayed fifteen minutes | Seeing Eurex or FX quotes does not enable those products inside ProTrader.Source 38 |
Partner interfaces include stock3 and TraderFox, while the REST API supports authorised banking and brokerage integrations. These interfaces do not grant permissions beyond the customer’s account and product agreements.[39][51]
Reference table07
Ownership and platform restrictions
| Arrangement | Restriction or responsibility |
|---|---|
| Pure power of attorney | An authorised representative may view the Pure account but cannot place its trades; the owner must trade.Source 2 |
| Joint full depot | Each joint owner has independent authority under the OR-depot arrangement.Source 10 |
| Derivatives account | Apply separately for the product and relevant risk permissions.Source 42 |
| Research and model portfolio | Informer and the sample portfolio support observation; they are not funded execution results.Source 6 |
Fees & holding costs
Sections ↑Pricing & charges08
Full-depot ordinary commission
| Transaction | Published commission | Extra items |
|---|---|---|
| Domestic online purchase or sale | EUR 4.90 + 0.25%; minimum EUR 9.90, maximum EUR 59.90 | Venue, registration, custody-related and external expenses where applicable.Source 6 |
| Foreign-market online order | EUR 7.90 + 0.25%; minimum EUR 12.90, maximum EUR 62.90 | Foreign venue expenses and currency effects.Source 5 |
| Telephone, fax or written securities order | EUR 14.90 channel surcharge | Added to normal transaction charges.Source 5 |
| Fund-company purchase | NAV plus the published fund-specific comdirect purchase surcharge | Exchange purchases instead follow the securities tariff.Source 5 |
Venue fees and examples
Reference table09
Domestic venue groups
| Route | Venue charge | Examples |
|---|---|---|
| Lower venue-fee group | 0.0025% of order value; minimum EUR 2.50 | Xetra, Tradegate, gettex, LS, Quotrix, Stuttgart and Frankfurt certificates.Source 6 |
| Other regional group | 0.005%; minimum EUR 5 | Berlin, Düsseldorf, Frankfurt, Hamburg, Hannover and Munich.Source 5 |
| LiveTrading | No exchange venue charge | Ordinary order commission and any applicable external costs remain.Source 6 |
Pricing & charges10
Representative one-off order costs
| Scenario | Published-fee arithmetic | Exclusions |
|---|---|---|
| EUR 1,000 full-depot share order, Xetra | EUR 12.40 = EUR 9.90 minimum commission + EUR 2.50 venue | Spread and security-specific extras.Source 6 |
| EUR 5,000 full-depot order, LiveTrading | EUR 17.40 = EUR 4.90 + EUR 12.50 | Spread, product charges and taxes.Source 6 |
| EUR 1,000 qualifying Pure order | EUR 1 bank order fee | Registered-share or other specific settlement charges can still apply.Source 2 |
| EUR 1,000 qualifying promotional order, Xetra | EUR 6.40 = EUR 3.90 campaign commission + EUR 2.50 venue | Only during the eligible campaign term.Source 4Source 54 |
Pricing & charges11
Recurring investment charges
| Plan or event | Published charge | Boundary |
|---|---|---|
| Full-depot ETF, share or certificate plan | Normally 1.5% of each contribution per security | Selected promotions can waive the execution commission.Source 35 |
| Pure savings plan | EUR 0 bank execution charge | Underlying fund expenses and spread remain.Source 3 |
| Fund savings plan | Fund-specific purchase surcharge after any discount | Do not apply the ETF price to every fund.Source 5 |
| Later sale | Applicable ordinary dealing tariff | A free savings purchase does not automatically make the sale free.Source 37 |
Reference table12
Holding and securities administration
| Item | Published treatment |
|---|---|
| Registered-share entry | EUR 0.95 per relevant execution.Source 4 |
| Specified foreign non-collective custody settlement | EUR 2.90; stated fund-plan exceptions apply.Source 54 |
| Xetra-Gold custody | 0.0298% monthly including VAT.Source 54 |
| Ordinary partial fills | Same-day order and venue charges are not duplicated under the full securities tariff; other costs can apply.Source 5 |
| Fund or structured-product holding | Internal product costs can reduce value independently of broker custody charges.Source 37Source 53 |
Currency cash and portfolio borrowing
Reference table13
Currency-related costs
| Service | Cost basis | What it means |
|---|---|---|
| Währungsanlagekonto currency purchase or sale | 1% conversion charge; published starting deposit EUR 500 equivalent | A separate foreign-currency investment account, not an FX-CFD spread.Source 12 |
| Foreign securities settlement | Uses the applicable Commerzbank securities-conversion schedule | Do not apply the currency-investment account’s 1% charge automatically to every securities trade.Source 54 |
| Portfolio credit | Main loan page quotes 6.30% nominal and 6.45% effective annually, variable | Interest is on used borrowing; confirm the contractual rate before drawing.Source 13 |
The main loan page quotes 6.30%; an older alternate-domain overview showed 6.05%. The product-specific figure is used here, with its variable-rate status made explicit.[13]
Reference table14
Activity pricing and premium service
| Feature | Qualification | What is and is not discounted |
|---|---|---|
| Frequent-trader rebate | At least 125 qualifying trades in the preceding half-year | 15% off eligible order commission; venue fees and excluded transactions remain.Source 41 |
| Comdirect First | Published renewal criteria include 125 trades per half-year or EUR 1 million total assets | Service status; it is not a separate deposit-protection limit.Source 40 |
| Partner and ETF specials | Specific security, issuer, volume and time conditions | Check the eligible instrument and route rather than applying a site-wide zero-fee assumption.Source 37Source 30 |
Execution & trading rules
Sections ↑Reference table15
Securities order choices
| Instruction | Use | Boundary |
|---|---|---|
| Market or limit | Choose immediate market execution or a price boundary | A market price can change; a limit can remain unfilled.Source 7 |
| Trailing stop | Move a trigger with a favourable price move | Venue availability and gaps matter; it does not guarantee a maximum loss.Source 20 |
| OCO | Link alternative profit-taking and stop instructions | One executed alternative cancels the other under the service rules.Source 20 |
| Next Order | Release a follow-on instruction after the initial order | Check trigger, venue and validity rules before relying on an automated sequence.Source 20 |
The target-market and knowledge checks are instrument-specific. A full depot does not automatically permit a client to sell uncovered options, trade futures or operate a CFD account. Read the separate approval and collateral terms for those services.[47][57][15]
CFD accounts, costs and risk controls
Reference table16
CFD models
| Model | Margin basis | Core restriction |
|---|---|---|
| CFD-Basis-Konto | Uniform 20% margin, corresponding to five-times exposure | Loss protection does not stop the available account balance from being lost.Source 15 |
| CFD-Trader-Konto | Instrument-specific margin displayed in CFD Trader | Do not use the securities account’s general balance as the real-time margin figure.Source 15 |
| CFD demo | Virtual accounts for both models; resettable, no fixed time limit | Simulation is distinct from funded liquidity, execution and loss experience.Source 15 |
Pricing & charges17
CFD transaction and holding charges
| Component | Published terms | Scope |
|---|---|---|
| Share CFD execution | 0.10% of notional; minimum EUR 4.90, maximum EUR 59.90 per opening or closing trade | Spread and other applicable costs remain.Source 14 |
| DAX-future CFD execution | 0.01%; minimum EUR 4.90, maximum EUR 59.90 | A CFD on a future is not an exchange futures contract.Source 14 |
| Selected other CFD categories | No separate commission on stated index, FX, commodity and precious-metal categories | Their spread and overnight costs still matter.Source 14 |
| Trader-account overnight base | Generally 3.5% with the relevant currency-rate addition or subtraction; divide annual basis by 365 on notional | Futures/commodities and FX pairs use their specific formulas; model terms can differ.Source 14 |
| Short borrowing and conversion | Additional instrument-specific borrow cost can apply; foreign P/L converts into EUR | Check instrument details before holding overnight.Source 16 |
Reference table18
CFD operating rules
| Event | Practical result |
|---|---|
| Market maker | Société Générale provides the CFD counterparty and pricing arrangement.Source 18 |
| Margin deterioration | The platform’s available capital and required margin govern the response; alerts are not a guaranteed opportunity to rescue a position.Source 17 |
| Negative balance protection | The published retail service states no obligation to contribute beyond the CFD account protection terms.Source 18 |
| Order functions | Market, limit, stop, take-profit, trailing-stop and Force Open are described.Source 19 |
| Switch account model | Open positions must be closed and open orders cancelled before a model change.Source 15 |
No CFD spread observation is entered in the comparison calculator. Public minimum or illustrative spreads are not the same as an independently measured average, and they must not be substituted for a cash-security commission.[14]
Eurex options and futures
Pricing & charges19
Exchange-derivative charges
| Contract | Bank transaction charge | Minimum and related costs |
|---|---|---|
| Equity options | EUR 1.50 per contract | Minimum EUR 9.90 per execution.Source 56 |
| Index, ETF and futures options; index futures | EUR 4.50 per contract | Minimum EUR 9.90 per execution.Source 56 |
| VSTOXX and Mini-DAX futures | EUR 2.50 per contract | Minimum EUR 9.90 per execution.Source 56 |
| Micro-DAX futures | EUR 1.50 per contract | Minimum EUR 9.90 per execution.Source 56 |
| Phone order | EUR 14.90 per execution extra | A partial fill can itself incur the derivative execution charge.Source 56 |
Reference table20
Eurex permissions and settlement obligations
| Item | Published rule | Consequence |
|---|---|---|
| Approval | Existing depot, application documents and specialist approval; separate risk levels and trading limit | Cash-security access is insufficient.Source 42 |
| Retail futures | Hedging condition applies under the product’s retail terms | Do not infer unrestricted speculative retail futures access from the broad product headline.Source 57 |
| Collateral | Bank can require extra collateral on a short deadline as risk or collateral values change | Uncovered options and futures can create losses beyond the initial deposit.Source 57 |
| Covered calls | Eligible unencumbered shares are blocked as collateral after order approval | The shares cannot simultaneously remain freely available for an unrelated sale.Source 42 |
| Exercise | Telephone only; bank cutoff at least 100 minutes before the relevant Eurex cutoff | A missed expiry-day deadline cannot necessarily be repaired later.Source 42 |
Exercising an option can deliver or require delivery of securities, with normal securities charges. A cash-settled exercise has its own contract fee. The direction, settlement method and expiry deadline deserve a separate check from the cost of opening the option.[56]
Deposits, withdrawals & transfers
Sections ↑Reference table21
Cash funding and withdrawals
| Action | Published route | Restriction |
|---|---|---|
| Fund the settlement account | Bank transfer; terms also describe cheque credits and cash deposits through banks | Additional service costs can apply outside ordinary electronic funding.Source 55 |
| Withdraw settlement cash | Transfer to the designated payout account | If a comdirect Girokonto exists, it is used as the payout account; otherwise an external nominated account may be used.Source 55 |
| Current-account payments | Separate Girokonto payment functions | The settlement account is not a general third-party payment account and does not honour direct debits drawn on it.Source 55 |
| Submit an electronic transfer | Authenticated account-and-card transfer workflow | Select the correct account and payment type, then approve it.Source 25 |
Reference table22
Trading cash versus withdrawable cash
| Event | What to verify |
|---|---|
| Securities sale | Consult the contract note’s value date before spending or withdrawing the proceeds.Source 23 |
| Contract-note delivery | Electronic note is generally supplied in the PostBox on the following working day.Source 23 |
| O&F account funding | Money moved in becomes available on the following trading day; withdrawal to the clearing account is by telephone.Source 42 |
| Foreign currency | A funded currency account and the security’s settlement route must match; conversion is a separate event.Source 12Source 7 |
Moving an existing portfolio
Reference table23
Transfers and tax-data checks
| Transfer item | Treatment | What to reconcile |
|---|---|---|
| Whole securities | Incoming and outgoing transfer service is available | Identifiers, quantity, custody location and security eligibility.Source 63 |
| Bank transfer charge | Standard transfer itself is free; external foreign/custody expenses can be passed through | Free bank service does not promise every receiving or delivering institution is free.Source 54 |
| Loss pots | May accompany a complete qualifying depot transfer | Check ownership and tax-data instructions separately from the holdings.Source 21 |
| Change of owner | Can have gift or tax consequences | A gift or joint-to-individual change is not merely an administrative account rename.Source 21 |
Reference table24
Fractions and account closure
| Situation | Published handling |
|---|---|
| Fractional holdings | Cannot normally be sent to another bank in the external depot transfer.Source 44 |
| Whole units plus fractions sold | Can be handled as separate instructions with different execution prices.Source 22 |
| Depot closure | Holdings must first be sold or transferred; cash accounts must have zero balance before deletion.Source 44 |
| Final records | Closing the whole relationship triggers a final report and closure confirmation; retain records before online access changes.Source 44 |
The delivering institution controls part of transfer processing. Avoid planning an urgent sale around an assumed transfer deadline, and confirm when each position becomes tradable after arrival.[21]
Protection & regulation
Sections ↑Reference table25
Bank cash and investments have different protections
| Holding | Framework | Boundary |
|---|---|---|
| Eligible cash | Statutory German deposit protection up to EUR 100,000 per person per bank | Comdirect and Commerzbank are the same contracting bank; aggregate eligible deposits.Source 26Source 27 |
| Additional eligible deposits | Commerzbank participates in the voluntary private-bank scheme | Consult the bank-specific limit and scheme conditions rather than assuming unlimited cover.Source 26 |
| Custodied securities | Held under the securities custody agreement, distinct from an ordinary cash-deposit claim | Market losses and issuer default are not reimbursed as insured deposits.Source 55 |
| Collateral pledged for borrowing or derivatives | Bank lien and collateral arrangements can restrict disposal | A security held in custody can also secure obligations to the bank.Source 57 |
| CFD position | Contractual derivative exposure to the CFD arrangement | Underlying shares or commodities are not held as the investor’s cash securities.Source 18 |
The Commerzbank legal imprint publishes BAK 100005, and the ECB identifies the bank as a directly supervised institution. The brand’s legal integration is more useful for deposit aggregation than treating comdirect as an independent bank with a second cash-insurance allowance.[58][59][27]
Access and loss controls
Reference table26
Different safeguards address different risks
| Safeguard | What it addresses | Remaining risk |
|---|---|---|
| Personal credentials and transaction approval | Authenticated instructions | An authorised trade can still lose money.Source 60 |
| Product target-market checks | Knowledge, ability to bear loss and product objectives | Approval is not a promise of a suitable return.Source 47 |
| CFD account protections | Published retail liability framework | Forced closure and total loss of the account balance remain possible.Source 18 |
| O&F collateral controls | Counterparty exposure and contract performance | Margin is not a cap on the investor’s potential debt.Source 57 |
Opening an account & support
Sections ↑Reference table27
Opening information to prepare
| Applicant or feature | Requirements and practical points |
|---|---|
| Adult identity | Valid identification for every holder; Postident, Videoident and E-Ident routes are described.Source 24 |
| Pure eligibility | Adult resident in Germany and new depot-customer criteria; the owner must operate its trading.Source 2 |
| Joint ownership | Use the full-depot joint application; both applicants complete the required checks.Source 10Source 24 |
| Junior documents | Child’s birth certificate copy plus applicable surname, unmarried-parent or sole-custody evidence; further identification depends on the route.Source 8 |
| US securities tax documentation | The bank distinguishes W-8BEN from W-9 according to US-tax circumstances.Source 46 |
Country of residence, tax residence and US status are separate application questions. The existence of a US securities dealing route should not be read as a promise that every US-connected applicant can open every account model.[46]
Official support and complaint routes
Customer contacts
Existing-customer serviceTelephone
Prospective customersTelephone
General emailEmail
[email protected]Source 55
Scope Administrative enquiries; use approved authenticated routes for trade instructions.
Complaint emailEmail
Contact optionsWebsite
https://www.comdirect.de/faq/kontaktdatenSource 52
Scope Current service routes and contact information.
Reference table28
Service boundaries
| Topic | Practical expectation |
|---|---|
| General versus specialist support | The broad customer-service proposition does not imply that Eurex specialists or exercise processing operate round the clock.Source 42 |
| Derivative exercise deadline | Contact the options service before its contract-specific cutoff; do not rely on a generic support contact to extend expiry.Source 42 |
| Tax reports | Annual tax certificate is supplied; optional detailed income reports can have a separate price.Source 54 |
| German exemptions | A tax-exemption order changes withholding within the applicable allowance; it is not a blanket exemption for all investment gains.Source 45 |
No account was opened and no support response, transfer, execution speed or withdrawal was tested. Service descriptions here are published procedures, not a mystery-shopping score.[52]
Reconcile charges and transferred tax data
Reference table29
Two records to check separately
| Record | What it establishes |
|---|---|
| Cost preview and PostBox copy | Order commission, venue costs and disclosed inducements are shown before approval and retained afterward.Source 61 |
| Tax acquisition data | Transferred separately and can arrive after the securities; the tax simulation is distinct from manually maintained purchase values.Source 62 |
| Displayed purchase values | Can be entered free online for performance reporting; this does not replace the bank’s tax acquisition records.Source 62 |
The general conditions publish 13.40% variable annual interest for tolerated overdrafts as at July 2026. A tolerated overdraft is not an agreed securities-credit line and must be repaid under its separate terms.[55]
Additional services
Sections ↑Reference table30
Recurring investing and family tools
| Feature | Published scope | Condition |
|---|---|---|
| Savings-plan size | From EUR 1 per security | A plan can include up to ten securities.Source 34Source 36 |
| Intervals | Monthly, every two, three or six months, or yearly | Frequency and start settings govern the execution schedule.Source 34 |
| Junior savings | Account can be opened from the child’s birth | The adult is administering the child’s assets, not retaining personal ownership.Source 9 |
| Second depot | Additional investment separation within the relationship | Joint and Junior second-depot openings do not follow the simple individual online route.Source 11 |
Managed investment and borrowing
Reference table31
Cominvest investment service
| Feature | Published position | Decision point |
|---|---|---|
| Strategy choice | Cominvest classic and cominvest green use selected ETFs and ETCs | Green follows additional sustainability selection criteria.Source 31 |
| Management fee | 0.75% annually of managed assets | Underlying product expenses remain; current FAQ gives an average around 0.23% annually.Source 32 |
| Portfolio control | Service monitors and adjusts the portfolio | Different from personally choosing each full-depot trade.Source 31 |
| Regular contributions | Savings contributions can complement managed investing | Starting requirements and the chosen funding method are separate from the DIY EUR 1 plan.Source 33 |
Reference table32
Portfolio credit and currency accounts
| Service | Published access | Risk to monitor |
|---|---|---|
| Wertpapierkredit | Depot and clearing account; minimum portfolio value EUR 3,000; credit approval | Eligible collateral value can be less than the market value and can fall.Source 13 |
| Loan interest | Variable; calculated on the amount actually borrowed | A stable interest rate does not prevent a collateral shortfall.Source 13 |
| Currency investment account | Currency balances can support the applicable foreign investment strategy | A currency gain or loss is separate from the security’s own gain or loss.Source 12 |
Learning, partner services and product affiliations
Reference table33
Other services worth separating
| Service | Role | Boundary |
|---|---|---|
| Academy | Self-paced educational text, video and other materials | Education does not constitute individual portfolio advice.Source 29 |
| Comdirect First | Additional service and platform benefits for qualifying clients | Status is reviewed; it does not alter the identity of the bank.Source 40 |
| Comdirect-branded All World ETF | Product collaboration with State Street | Assess the fund’s mandate and costs alongside alternatives; branding is not deposit insurance.Source 30 |
| Business Partners | Custody and service infrastructure for financial intermediaries | Partner-managed customers can face different commercial terms and promotion eligibility.Source 49Source 1 |
Company background & evidence
Sections ↑Comdirect was established in 1994 as a Commerzbank subsidiary and became a Commerzbank brand after the November 2020 merger. The product range now spans low-cost Pure access, broader self-directed securities dealing, approved derivatives and managed investment.[33][3]
Reference table34
Development of the service
| Development | Relevance |
|---|---|
| 2020 legal merger | The customer brand continues within Commerzbank; it no longer constitutes a separate banking entity.Source 27 |
| 2024 O&F-Trader launch | Browser access expanded the derivatives workflow beyond the former phone-led service.Source 43 |
| 2026 Pure model | The bank added a deliberately narrower app-and-gettex product.Source 3 |
Evidence dates and resolved discrepancies
Reference table35
Research boundaries
| Issue | Editorial treatment |
|---|---|
| Main-site access | Many comdirect HTML pages returned 401 when opened directly; official indexed passages were retrieved, while tariff PDFs were readable.Source 28 |
| Custody statements | July 2026 contractual pricing controls the opening-date distinction.Source 54 |
| CFD documents | Legacy PDF versions contain old cash-fee and some differing derivative-price wording; current product-page charges are used with account scope.Source 14 |
| Regulatory evidence | Company legal number is cross-checked with the ECB named-entity list; no claim that the inaccessible BaFin portal was freshly inspected.Source 58Source 59 |
These are source-backed account terms and tariff illustrations, not a broker ranking or a statement that a particular investment strategy is appropriate. Promotions and variable interest should be checked again at the point of application.[4][13]
- Headquarters
- Quickborn, Germany; contracting bank headquartered in Frankfurt am Main
- Founded
- 1994
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Commerzbank Aktiengesellschaft
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Federal Financial Supervisory AuthorityBAK 100005 | Not verified | Checked 11 Oct 2026Commerzbank publishes BAK 100005 in its legal imprint. The ECB’s August 2026 supervised-entity list independently identifies the bank. comdirect is a brand, not a separate licensed bank. The named BaFin portal was inaccessible; the number is attributed to the bank’s own legal disclosure. Evidence status: the cited company disclosure does not constitute a retrieved current authority match; not_verified is not a finding that the company lacks authorisation.Source 58Source 59 |
Additional Information
Sections ↑Business, technical and media routes
Business PartnersEmail
Business Partners informationWebsite
https://www.comdirect.de/business-partners/leistungsangebot.htmlSource 49
Scope Service scope for financial intermediaries.
REST APIWebsite
https://www.comdirect.de/cms/kontakt-zugaenge-api.htmlSource 51
Scope Authorised banking and brokerage integrations.
PressEmail
Press releasesWebsite
https://www.comdirect.de/cms/ueberuns/de/presse/presse.htmlSource 50
Scope Official announcements and current corporate material.
Reference table36
Which account feature changes the decision?
| Requirement | Relevant route or check |
|---|---|
| Lowest simple gettex ticket cost | Pure, subject to app and gettex access.Source 3 |
| Choice of exchanges, joint ownership or advanced securities tools | Full comdirect Depot.Source 1 |
| Exchange derivatives rather than a security wrapper | Approved O&F account and its collateral, retail hedging and exercise rules.Source 57 |
| Portfolio decisions delegated to a manager | Cominvest, with management and product charges.Source 32 |
A quote screen, a product permission and an available cash balance answer different questions. Confirm all three for the intended trade, then reconcile the order confirmation, cash value date and final charges.[7][23]
Sources & further reading
- Full comdirect Depot: account features and introductory terms Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Pure Depot: app, gettex, eligibility and powers of attorney Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Introduction of the Pure account model Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Current promotion page: offer extended to 1 November 2026 Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Securities, platform and CFD price overview Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Share dealing costs and market access Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Order ticket, venue selection and foreign-market restrictions Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Junior Depot and identification documents Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Junior account available from birth Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Joint securities ownership and independent authority Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Opening a second securities depot Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Currency investment account and conversion charge Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Portfolio-backed loan: collateral and main-page rate Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- CFD service and current displayed trading costs Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- CFD Trader and Basis account models Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- CFD costs, borrow charges and foreign-currency profit/loss Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- CFD margin monitoring and calls Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- CFD account safeguards and market maker Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- CFD order types Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Comfort orders: OCO, trailing and linked instructions Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Transfer process, fractional holdings and tax pots Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Disposal of savings-plan fractional holdings Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Securities contract notes and cash value dates Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Accepted identity verification methods Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Submitting bank-transfer instructions Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- comdirect deposit-protection explanation Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Legal consequences of the Commerzbank merger Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- comdirect legal imprint Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- comdirect academy and learning materials Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Comdirect and State Street branded All World ETF Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Cominvest classic and green portfolios Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Cominvest management and underlying product fees Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Cominvest price change and minimum initial investment Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Recurring securities investment amounts and intervals Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Savings-plan execution fees Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Securities savings-plan structure Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- ETF dealing and savings charges Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- ProTrader tools, base access and delayed-data limitations Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Trading platforms and partner integrations Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Comdirect First eligibility and service status Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Exchange instant-trading route and activity rebate Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Eurex options and futures service, prices and operations Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Launch of browser O&F-Trader in September 2024 Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Closing accounts, empty depots and final documents Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Tax-exemption orders and German investment-tax handling Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- US securities: W-8BEN and W-9 Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Product target-market criteria Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Business Partners contact Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Business Partners services for investment firms Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- comdirect press information Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- REST API for banking and brokerage Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Official customer contact routes Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Crypto-linked exchange-traded securities Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Comdirect general tariff, effective 15 July 2026 Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- General and product conditions Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- O&F contract tariff dated February 2025 Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Special conditions for exchange derivatives Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Commerzbank legal identity and BAK number Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- ECB supervised entities, August 2026 European Central Bank · Accessed 11 Oct 2026
- Opening FAQ: free new-depot custody and photoTAN Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Pre-trade cost and inducement disclosure Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Transferred tax acquisition data versus displayed purchase values Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Outgoing transfers and fractional holdings Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
- Execution-only product information and complaint email Commerzbank Aktiengesellschaft · Accessed 11 Oct 2026
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