comdirect - eine Marke der Commerzbank AG Reviews 2,751

I am customer of this bank for over 7 years.
I had a couple calls with customer service, and each time everything was done easily, professionally and quite fast. I also never waited long for someone to reply to my call.

The Comdirect app is simple, user friendly and easy to use.

So far I never had any negative experience.

Date of experience: 04 January 2025

wish I could give No Star!
Customer service hotline is the worst! Ever!! I tried to call all day, waited all day,nobody there for their customer!I tried to calm myself down,and decided new year I would go to new bank!!!

Date of experience: 04 December 2024

I’ve decided to open an account at Comdirect but I’ve been waiting for it to be opened for one and a half months after postident and still nothing. Choose any other big DiBa, because it seems like Comdirect is understaffed and in consequence, slower than a snail.

Date of experience: 07 November 2024

My account was blocked after changing phones, as the photoTAN identification failed to be recognized. To make matters worse, it was blocked again when Comdirect deemed the ID I had submitted in 2019 as invalid. This situation is absurd. Rather than addressing the issue proactively or notifying the client, they chose to block the account without warning. After completing the video identification process again, I called customer service to ask when my account would be restored. Their response was vague and unhelpful; they simply stated that it depended on the processing time, without providing any clear timeline. Now, I am left uncertain as to how long I will be without access to my account. Due to this frustrating experience, I am cancelling my account and switch to another bank.

Update: My account was blocked from 5. November until 13. November. Although today my account was unblocked - after calling and sending multiple emails everyday - it took Comdirect a long time to get it unblocked, which is absurd.

All communication is done in German, so the language is not an issue here.

Date of experience: 05 November 2024

I have exactly the same problems as one of the reviewers. My German is intermediate and it is very hard to get a simplified answer from any of the attendants. I had a wrongly charge from a company (UmsatzReklamiert) which I should had received 3 months ago, as per the collecting company that comdirect uses to manage refunds (World Line). They confirmed to me that the company refunded the money 5days after I did the claim. The refund is not in my account and every time I call nobody can tell me what happened. They keep saying I have to wait. It’s ridiculous that a bank/company can do businesses with this type of Customer Service! Stay Away from them!!!

Date of experience: 28 September 2024

If you don’t speak fluent German, don’t even bother banking with this bank. They so unaccommodating. None of their call centre agents can speak English. The giro card doesn’t work in quite a few outlets. I’ve had my card blocked twice for the most silliest reasons.

Date of experience: 23 August 2024

I have been trying to transfer a portfolio of securities from another broker to Comdirect. Absolutely horrible experience. It took 3 months to complete the transfer, during which time I had to send many emails back and forth with them (they take between 1 to 2 weeks to reply each time) and although the replies were very polite, they were contradictory, unclear, unhelpful and sometimes outright wrong. 3 months after the transfer was completed I still don't have the cost basis of my portfolio and again I feel they just don't want to do it and give me random different answers: e.g. not really answering the questions, saying they haven't received the statements from my broker (which I don't believe), saying they have the wrong format and other series of very confusing answers. I can't believe they can't find an email, even when given a reference number to search. How can they not be able to search their inbox?

Date of experience: 23 July 2024

Their customer service is pretty bad. The contact form online does not deliver my messages, hence receiving no support with my queries. It is not possible to solve issues through email either. Everything takes days. Quite messy and not helpful. Will be leaving this bank shortly.

Date of experience: 25 June 2024

I have been in Africa for six days now, and my experience with Comdirect has been nothing short of horrible. From the beginning, none of my cards have been working, which has made my trip extremely unpleasant and stressful.

I reached out to customer service via email, hoping for a quick resolution. Unfortunately, I have received nothing but generic text block responses. Instead of addressing the issue, they ask irrelevant and frustrating questions. One of the most aggravating requests was for my card numbers, which feels like a deliberate attempt to delay providing real assistance.

I sent my messages while logged into my account, as they insist on this for proper support. If you send a normal email, you won’t get any usable answers. This entire experience has left me beyond disappointed with Comdirect. As soon as I return, I will be canceling my account. This level of service is unacceptable, and I would not recommend Comdirect to anyone.

An update 10 DAYS LATER / 25.6.2024: still no answer after 3-4 mails sent emphasizing the emergency of the situation. I have no words.

update 27.9.2024: I am a German citizen and have written all my previous emails in German. However, I chose to write this review in English so that a wider audience can understand the issues I've encountered with your bank. It's also important to note your explicit statement about only being able to communicate with customers in German. This limitation will likely help many potential customers decide to look elsewhere.

Date of experience: 15 June 2024

I have been with Comdirect for quite some time since they seemed to be one of the technologically more advanced banks in Germany. However, if you are looking for a reliable partner for your finances, Comdirect is not.
My account was cancelled without reason. I assume it is because I did not use it frequently enough and did not generate enough fees but as I said, they do not provide you with any reason. I am sure we could have found a solution actually.

Date of experience: 30 May 2024

I wanted to change my bank from Comdirect to Sparkasse, because there were always some issues with their Giro and Visa-Cards. So the transfer should happened on the 15 May, but all of a sudden, they blocked my account at the end of April and I couldnt transfer money anymore and my cards were blocked too.
I got no information or anything. Now my partner had to help me out, because my money is still not accesable. Feels like a scam. I can't understand how that can be allowed and that they can still operated in Germany.

Date of experience: 01 May 2024

the Girocard that they have is not accepted by many machines. It's awful and really unpleasant.

Date of experience: 21 April 2024

Horrible bank i cannot access my money after suddenly being locked out can you imagine the embarrasment standing at the store with all your stuff and boom card declined absolutely horrendous ! Hate this bank worst customer services! No help you are alone !!

Date of experience: 14 March 2024

Date of experience: 27 January 2024

I have been trying to transfer my Depot to another bank for months now. Horrible experience with hidden fees.

Date of experience: 28 February 2024

Title: Disappointing Experience with Customer Service

Review:

My recent interactions with the customer service team at comdirect left much to be desired. Despite reaching out twice via email and speaking on the phone twice, I found the assistance provided to be extremely unhelpful. The last representative I spoke to was particularly dismissive and unwilling to assist in any way. Despite the urgency and importance of my request for a document with a signature and stamp, I was simply told it couldn't be provided, without any effort to find a solution or offer alternatives.

Date of experience: 26 February 2024

After many years and out of nowhere comdirect cancels all our accounts (joint, individuals, even junior for my daughter).

Even after escalating in a nice way, asking them for a reason and if we can help with any information they might need, etc. we only received a very arrogant email back insisting on continuing to not provide any reason.

Since we live outside EU and setting up new account structures is taking some time, we asked for an extension of the notice period, which was declined in the same impolite way.

Found in some other forums that CD likes to cease unprofitable accounts (which specifically applies to people who are not taxed in Germany / EU due to higher effort). Even this could still be acceptable, but not the way that this has been communicated and implemented.

If you want to have a reliable banking partner, don't go there.

Date of experience: 12 December 2023

If I could put 0 stars I would! I left them last year and since then tried to get my finance reports - no joy! They insist to charge 5.90 Euro per month although that is against their own T&Cs and law. Eventually I bit the bullet, paid over 130 euros in fees on 02.02024 AND still got nothing! All I get is auto emails saying they will get back to me... I guess at some point????? On the phone, unless you are still a client, they are even worse.
AVOID at ALL COST.

Date of experience: 22 February 2024

Please dont use this bank!
i am struggling since 3 months to quit my bank account and get my money.
You are 30 minutes in the holding pattern to get an answer that you need to reactivate your TAN to get access and can transfer it by yourself,...but that was wrong.
And then with the next telephon call, because the TAN wasnt working,..they tell you they cant give you an answer via phone, so you write an email to reklamation where they dont give you a proper status update and make jokes on the phone when you wrote the 3rd email to them (one week before), that you just wrote them a week before. But it doesnt matter, that is was the 3 reminder!
Absolutely not to recommend!!!
If you can avoid it please do it. I am still struggling to get my money! And i am not talking about peanuts. It is really annoying. Very unprofessional and nobody can help you, you not even can go to a partner bank to sort this things out.

Date of experience: 10 February 2024

They can't even manage the postident thing. I take time and go to the post office to identify myself. This genius comdirect can't properly set up themselves with Deutsche Post.

Date of experience: 25 January 2024