Comdirect Depot

Nothing fixed. There's no minimum to open the Depot, and ETF savings plans start at €1 a month. Single orders cost €3.90 in your first 12 months, so even small buys stay cheap early on.

For your first 12 months, €3.90 flat per order on shares, ETFs, certificates, and bonds, plus the usual spreads and exchange fees. The rate is for new Depot customers, on German exchanges and off-exchange, except Eurex, CFDs, and new share issues. After 12 months the fee is €4.90 base fee plus 0.25% of the order value (min €9.90, capped at €59.90). Phone orders add €14.90.

New customers can collect up to €150 in two parts. Agree to Commerzbank marketing emails when you open the Depot by 28 February 2027, and €100 reaches your settlement account within a week of opening. Do not withdraw that consent before the bonus arrives. Start a savings plan within 3 months, and after it executes at least once, €50 follows within a week of that first execution. The €100 counts as other income under § 22 No. 3 EStG, tax-free if all such income stays below €256 in the calendar year. The €50 is subject to capital gains tax (Kapitalertragsteuer) unless your Freistellungsauftrag covers it.

More than 500 Top-Preis ETFs run with no order fee, from providers like iShares, Xtrackers, Amundi, and Vanguard. The minimum rate is €1 a month. Other ETF and stock savings plans cost 1.5% of the amount invested.

Yes. You trade on all German exchanges and major international venues, so US, UK, and European shares and ETFs are all in reach. Fees can differ on foreign venues. If you hold a US passport, read our Comdirect Depot guide first, because the PFIC rules change which funds make sense.

Yes, and nothing you do or skip changes that. Comdirect dropped the old activity rule with its July 2026 price list, so a Depot opened today costs €0 to hold whether you place two orders a quarter or none at all. 500+ ETF savings plans carry no order fee either, and idle cash can sit in the optional Tagesgeld PLUS.

Use a savings plan for regular, automated buys, monthly from €1 and often at zero order fee. Use a single order to buy or sell a specific amount right now, for €3.90 in your first 12 months. Most expats building wealth run a savings plan and place the occasional single order.

Existing Comdirect customers can trade as soon as the next business day. New customers get access 1 to 2 business days after the IDnow video check clears and the photoTAN letter arrives.

You need a settlement account (Verrechnungskonto). If you already hold a Comdirect GiroKonto, it does the job. If not, you open a free settlement account together with the Depot in the same application.

Germany levies 25% Abgeltungssteuer plus solidarity surcharge on gains and dividends. Comdirect withholds it automatically, so there is no separate return for German gains. File a Freistellungsauftrag and your first €1,000 a year (€2,000 for jointly assessed couples) stays tax-free.

Yes, through a Comdirect JuniorDepot in the child's name. It runs the same 500+ free ETF savings plans from €1 a month and uses the child's own €1,000 tax-free allowance, which can shelter growth that would otherwise land on your own allowance.

You can transfer your securities to another broker (Depotübertrag) or sell them before you leave. German exit rules only bite if you hold at least 1% of a single company, which is rare for ordinary ETF investors. Our Depot guide covers the details.

Not directly. Comdirect doesn't offer coin trading, but you can buy crypto ETPs, crypto-themed ETFs, or certificates tracking Bitcoin and Ethereum. These trade like any other security in your Depot.