Commerzbank DirektDepot is an online execution service without the advisory service of its other depot models. Custody is free for a quarter in which a qualifying buy or sell is actually booked; an unexecuted order or unfunded savings plan does not by itself satisfy that activity condition.[1][2]
Accounts and eligibility
Sections ↑Account comparison01
DirektDepot service scope
| Item | Details |
|---|---|
| Model | Online self-directed securities account.Source 2 |
| Advice | The model does not include investment advice.Source 2 |
| Electronic postbox | Required for the depot.Source 2 |
| Branch/adviser instructions | Priced using the KlassikDepot schedule, rather than the normal DirektDepot online tariff.Source 2 |
Account comparison02
Account opening and identification
| Item | Details |
|---|---|
| New customer | Application and accepted identity verification, including the stated video-identification route.Source 1 |
| Existing customer | Authenticated online application/TAN procedure where available.Source 1 |
| Documents | Identity document and requested personal/tax information.Source 1 |
Account comparison03
Separate StartDepot alternative
| Item | Details |
|---|---|
| Customer group | Eligible students, school pupils and apprentices up to age 29 under the stated conditions.Source 4Source 2 |
| Custody | Free on the first €20,000 assessed value; 0.25% annually on the excess under its tariff.Source 4Source 2 |
| Discount | The stated 20% online provision discount does not simply remove the fixed €4.90 component.Source 4Source 2 |
Products and market access
Sections ↑Specifications04
Investment range
| Item | Details |
|---|---|
| Catalogue | The provider advertises roughly 50,000 securities and 64 venues.Source 1 |
| Types | Shares, funds, ETFs, bonds, certificates and other supported instruments.Source 1 |
| Availability | Catalogue size is not a guarantee that every security is suitable or available for every account.Source 1 |
Specifications05
Funds and fixed-price transactions
| Item | Details |
|---|---|
| Fund-company purchase | Fixed-price/front-load-related bank remuneration with the specified reduction.Source 2 |
| Fund-company redemption | No bank commission for the eligible German-authorised fund category; exceptions can apply.Source 2 |
| Exchange fund order | Priced like the relevant commission-based securities order.Source 2 |
Trading and holding costs
Sections ↑Pricing & charges06
Standard order fee
Pricing & charges07
Custody-waiver condition
| Item | Details |
|---|---|
| Trigger | At least one buy/sell order booked in the elapsed quarter.Source 2Source 1 |
| Savings execution | A qualifying executed savings-plan purchase can satisfy the condition.Source 2Source 1 |
| Insufficient activity | Merely placing an unfilled order or maintaining an unexecuted plan does not establish the waiver.Source 2Source 1 |
Pricing & charges08
Custody when no qualifying execution occurs
| Item | Details |
|---|---|
| Annual rate | 0.175% of the assessed depot value, including VAT.Source 2 |
| Quarterly minimum | €4.95 per started quarter.Source 2 |
| Valuation | Calculated daily and billed quarterly.Source 2 |
| Unpriced securities | €0.06 per position/day under the separately stated category.Source 2 |
Pricing & charges09
Custody valuation exceptions
Pricing & charges10
Ordinary savings-plan fees
| Item | Details |
|---|---|
| ETF purchase | €2.50 + 0.25%, no minimum.Source 2 |
| Stock/certificate purchase | 1.50%, no minimum.Source 2 |
| Funds | 50% reduction in the stated front-load-related bank component.Source 2 |
| Fund distribution reinvestment | 100% discount on that specified component under the tariff.Source 2 |
Pricing & charges11
Corporate actions and exercise
| Item | Details |
|---|---|
| Capital action | €4.90 + 0.25%, minimum €9.90.Source 2 |
| Warrant/conversion exercise | Same price structure applied to the specified calculation basis.Source 2 |
| Cash compensation/buyback | Same stated structure; these events should not be assumed administratively free.Source 2 |
Pricing & charges12
Limit administration and partial fills
Platforms, orders and execution
Sections ↑Process13
Digital interfaces and order tools
Process14
Specific instructions affect execution
| Item | Details |
|---|---|
| Client-selected venue | A specific venue instruction takes precedence over general execution-policy routing.Source 6 |
| Price limit | The bank requests an execution-route instruction where required by its policy.Source 6 |
| Trade-off | Specific instructions can prevent the bank from applying every element of its normal best-execution approach.Source 6 |
Process15
How the bank compares execution
Process16
Brand-specific policy boundary
Funding, settlement and transfers
Sections ↑Process17
Incoming depot transfer
Process18
Savings-plan cash and cancellation
| Item | Details |
|---|---|
| Minimum instalment | From €25 for the stated service.Source 3Source 1 |
| Control | The campaign page permits changes, pauses, ending a plan and selling holdings.Source 3Source 1 |
| Account-cost consequence | A quarter without an actual qualifying execution may lose the custody waiver.Source 3Source 1 |
Custody and client protection
Sections ↑Protections & eligibility19
Cash deposit protection
Protections & eligibility20
Custody and voluntary protection
| Item | Details |
|---|---|
| Securities | Held for the client under the custody relationship.Source 7Source 8 |
| Voluntary scheme | BdB participation is separate from the statutory entitlement and does not create an unlimited legal guarantee.Source 7Source 8 |
| Excluded risk | Market-price and issuer losses are not covered as cash-deposit losses.Source 7Source 8 |
Support, complaints and records
Sections ↑Process21
Securities telephone service
Process22
Postbox and formal complaints
| Item | Details |
|---|---|
| Postbox | Required electronic document channel for DirektDepot.Source 2Source 1 |
| Internal complaints | Commerzbank AG, Qualitätsmanagement, 60261 Frankfurt am Main; the tariff supplies the online complaint route.Source 2Source 1 |
| Record check | Use the actual booking/confirmation to establish whether the quarterly activity condition was met.Source 2Source 1 |
Research and additional services
Sections ↑Availability23
Selected five-year savings-plan campaign
| Item | Details |
|---|---|
| Opening deadline | Eligible new selected plans opened by 19 November 2026.Source 3 |
| Benefit | Five-year waiver of the specified purchase fee.Source 3 |
| Minimum | €25 under the stated offer.Source 3 |
| Remaining costs | Product expenses and spread remain; this is not a cash bonus or a blanket waiver for every instrument.Source 3 |
Availability24
Research and account model
| Item | Details |
|---|---|
| Market information | Quotes and investment information are available in the digital service.Source 1Source 2 |
| Self-directed role | DirektDepot does not include investment advice.Source 1Source 2 |
| Other service models | Advice or management requires the relevant separate service/contract.Source 1Source 2 |
Company and service history
Sections ↑Regional comparison25
Legal provider
- Headquarters
- Germany
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Commerzbank AG
No separate licence entry is recorded in this panel.
Cost illustrations and practical implications
Sections ↑Scenarios26
Calculated €1,000 and €5,000 orders
Scenarios27
Calculated no-trade custody year
| Item | Details |
|---|---|
| €10,000 stable assessed value | Percentage result €17.50 annually; four quarterly minima total €19.80.Source 2 |
| €100,000 stable assessed value | About €175 annually if no activity waiver applies.Source 2 |
| Assumptions | Four full quarters, ordinary quoted assets, no doubled foreign-custody assessment or other exceptions.Source 2 |
Scenarios28
Calculated €100 monthly plan
Sources & further reading
- Commerzbank DirektDepot product and account conditions Commerzbank · Accessed 27 Oct 2026
- Commerzbank: current price and service list, DirektDepot section Commerzbank DirektDepot — Germany · Accessed 27 Oct 2026
- Selected fund ETF temporary fee promotion Commerzbank · Accessed 27 Oct 2026
- StartDepot young investor separate scheme Commerzbank · Accessed 27 Oct 2026
- Commerzbank custody transfer information Commerzbank · Accessed 27 Oct 2026
- Commerzbank: execution principles dated 18 August 2025, currently linked Commerzbank DirektDepot — Germany · Accessed 27 Oct 2026
- Commerzbank: customer information for securities business and custody Commerzbank DirektDepot — Germany · Accessed 27 Oct 2026
- Commerzbank: deposit-protection explanation and scheme relationship Commerzbank DirektDepot — Germany · Accessed 27 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.