Comdirect Joint Account

Once both account holders have completed the VideoIdent process and activated the photoTAN procedure, it usually takes only 1-2 working days until your online banking is completely ready for use. After about a week, you can use your Visa debit cards to withdraw money and make contactless payments.

Yes! Both account holders get their own online banking access with separate login credentials. Each person can view the account, make transfers, and manage the account independently. All transactions are visible to both holders.

No, both account holders can open the account completely online via VideoIdent. This requires the identity verification of both account holders. Both will receive separate emails with VideoIdent instructions.

Both account holders have equal access and can make transactions independently. There are no built-in spending limits, but you can discuss spending agreements privately. For more control, consider setting up separate accounts for different purposes.

Yes! Each account holder receives their own free Visa debit card linked to the joint account. Both cards can be used independently, and all transactions appear on the same account statement.

Withdraw cash for free at over 7,000 Cash Group ATMs (Commerzbank, Deutsche Bank, HypoVereinsbank, Postbank). For cash deposits, use Commerzbank shell ATMs — the first 3 deposits per year are free.

Absolutely! Joint accounts are perfect for shared expenses like rent, utilities, groceries, and household bills. You can set up direct debits (Lastschrift) for recurring payments, and both holders can see all transactions.

In case you lose your card, block it immediately through the Comdirect app or online banking. Alternatively, call the 24-hour service hotline or use the central card blocking number 116 116.

Any two people who are both at least 18 years old and registered in Germany (Anmeldung) can open a joint account. This includes couples, roommates, family members, or friends.

Yes. Comdirect is a brand of Commerzbank AG, one of Germany's largest banks. Your deposits are protected up to €100,000 per customer through the German deposit protection scheme. All transactions are secured with photoTAN two-factor authentication.

The joint GiroKonto is free with active use: at least €700/month income, 1 Apple/Google Pay transaction, or 1 trade + 1 savings plan per month. If none of these conditions are met, the monthly fee is €4.90.

Both account holders must agree to close a joint account. If one person wants to leave, you can either close the account together or convert it to a single account. It's best to contact customer service to discuss your options.

Both account holders must be registered in Germany (Anmeldung) to open a joint account. If one person doesn't have their Anmeldung yet, you'll need to wait until both are registered before opening the account.

You can close the joint account together, or one person can request to be removed (requires both signatures). It's important to discuss this with customer service. Any remaining balance will be split according to your agreement or equally if not specified.