comdirect - eine Marke der Commerzbank AG review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
comdirect, a brand of Commerzbank AG, charges a monthly fee of €0 on the checking account and an annual fee of €0 on the credit card, so it suits people who want plain everyday banking with nothing to pay. The card is debit and the rewards type is none.
Key facts
- Best for
- A euro checking account with a monthly fee of €0 and no rewards to track.
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- Commerzbank AG (Source, checked September 26, 2026)
- Official website
- comdirect.de
Credit cards
Pros and cons
Pros
- Monthly fee of €0 on the checking account and annual fee of €0 on the credit card, so nothing is charged to keep either open.
- The monthly fee sits at 1 of 419 brands in the ranking, and the site median is €0 too.
- Card type is debit, so spending follows the balance in the account rather than a credit line.
Cons
- Rewards type is none, so there is nothing to earn back on credit card spending.
- The cost part of the score is 6 while the overall score is 6, so the monthly fee of €0 and the annual fee of €0 do not carry the rating on their own.
Ready to try comdirect - eine Marke der Commerzbank AG?
Who it suits
- Anyone who wants everyday banking with a monthly fee of €0 and an annual fee of €0.
- Existing customers of Commerzbank AG who want the account and card in one place.
- Holders who would rather pay nothing than chase points, since the rewards type is none.
Who should look elsewhere
- Anyone who wants to bank in sterling: Wise charges a monthly fee of £0, priced in pounds rather than euro.
- Anyone chasing card rewards, since the rewards type here is none. Compare the Chime Card (Secured Visa Credit Card) for the credit card side.
- Anyone building credit on a secured card, since the account card is debit. The Varo Believe Secured Credit Card is the secured option.
How comdirect - eine Marke der Commerzbank AG compares
Frequently asked questions
What does comdirect charge each month for the account?+
The monthly fee is €0, and the account runs on a no annual fee model. That puts comdirect at 1 of 419 brands on the monthly fee ranking, with the site median also at €0 while the highest on the site is €99.
Is there an annual fee on the credit card side?+
The annual fee is €0, matching the no annual fee model. The site median annual fee is €0 and the top of the range is €167.70, so a card with no annual charge sits at the cheap end. In the credit category it sits alongside the rewards type of none.
What kind of card comes with the account?+
The card type is debit, so spending draws on the balance in the account. The credit listing records the card kind as credit, and that same listing holds the annual fee of €0. Readers who want a card that spends beyond the balance should read the credit side instead.
Does the card earn anything back?+
The rewards type is none, so there is nothing to earn back on credit card spending. With a monthly fee of €0 and an annual fee of €0, the deal is simple rather than rewarding.
Who is behind comdirect?+
comdirect is a brand of Commerzbank AG, the legal entity named on the account terms. Holders deal with that bank directly rather than a separate fintech, and the account is listed on a no annual fee model.
How does comdirect compare with the other cards here?+
All of them are free on the headline monthly fee: comdirect at €0, Wise at £0, the Varo Believe Secured Credit Card at $0 and the Chime Card at $0. What separates them is currency and card type.
How does the site rate comdirect on cost?+
The cost part of the score is 6, with the overall score at 6. Fees sit at the cheap end of the list, so the rating reflects the rest of the account rather than the monthly charge.
Sources
- ahsanfinance.com/comdirect-bank-account checked September 26, 2026
Backs: Card kind, Pricing model
“It's important to note that this is a debit card, not a credit card”
- fondspedia.de/fileadmin/user_upload/Banken_Downloads/comd... checked September 26, 2026
Backs: Legal entity
- mygermanfinances.de/german-bank-accounts/comdirect-bank-a... checked September 26, 2026
Backs: Annual fee, Card type, Rewards type
“Debit Card | EUR 0 / year - Visa debit card with free current account”
- mygermanfinances.de/product/checking-account-comdirect checked September 26, 2026
Backs: Monthly fee
“no fees per month or per year - comdirect Girokonto”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
comdirect - eine Marke der Commerzbank AG
A euro checking account with a monthly fee of €0 and no rewards to track.