Comdirect Joint Account

Plan for about a week. Once both partners finish VideoIdent and switch on photoTAN, online banking goes live in one to two working days, and the Visa cards reach you roughly a week later.

Yes. Each holder gets a personal login and password, and either of you can transfer, pay, and check the balance alone. Every move shows up for both partners in real time.

Yes, both holders complete a separate VideoIdent call. Comdirect sends each of you your own email with the link, and neither video check needs a branch or post office.

No. A Comdirect joint account gives both holders equal access with no built-in spending limit. If you want a hard cap, keep a personal account for individual spending and use the joint one for shared bills.

Yes, one free Visa debit card per holder, both tied to the shared balance. You can add a physical girocard for €1 per card a month if a shop only takes girocard.

Yes, Comdirect lists the Gemeinschaftskonto among the accounts the offer covers. Every purchase either of you makes with a Visa debit card, in a shop or online, earns 5% back. Comdirect measures that on a purchase value of up to €1,000 a month, which holds the credit to €50 in any month and €150 over the first 3 months. Only purchases count. Cash withdrawals, wallet top-ups, crypto, gambling, and betting are excluded, so a month where both cards stay in the drawer pays out nothing. The offer runs for new customers, and you agree to Commerzbank AG marketing emails during the application and hold that consent for the first 3 months. The money lands on your joint account on banking days, and your completed application has to reach Comdirect by 18 October 2026.

Two routes, and the free one depends on the card. Each Visa debit card takes cash from any machine showing the Visa logo, free up to the monthly allowance that comes with your account model, then €4.90 per withdrawal. A girocard at €1 per card a month removes that ceiling at around 5,000 Cash Group machines run by Commerzbank, Deutsche Bank, HypoVereinsbank, and Postbank. Deposits go to a Commerzbank machine, three free each calendar year and €4.90 after that, since Comdirect keeps no branches.

Yes, that's what most couples and flatmates use it for. Set up SEPA direct debits (Lastschrift) for rent, Nebenkosten, and utilities, and both holders watch every payment leave the account.

You'll have to wait. Both holders need a registered German address (Anmeldung) before Comdirect opens the joint account. Once the second partner registers at the Bürgeramt, you can apply together.

Yes. A joint account has two named holders, so you each keep your own German tax ID (Steuer-ID); opening the account doesn't merge them. That helps if you and your partner file your taxes separately.

You close it together or turn it into a single account, and both signatures are needed either way. Talk to Comdirect support first; any balance left is divided the way you agreed, or split evenly if you never set a rule.

It depends on your setup. If one holder leaves Germany, contact Comdirect to update the address and holder details or to convert the account. A German address (Anmeldung) is part of the opening conditions, so review the account once one of you deregisters.

Freeze it straight away in the Comdirect app or online banking. You can also call the 24-hour service line or the central German blocking number, 116 116. Blocking is free and takes effect at once.

Yes. Comdirect is a brand of Commerzbank AG and sits under German deposit protection, which covers up to €100,000 per customer. Every login and transfer is secured with photoTAN two-factor authentication, and BaFin and the ECB regulate the bank.

Nothing in a month where one holder receives €700 in income, makes 3 Apple Pay or Google Pay payments, or runs one trade plus one savings plan. The account is also free if one holder is under 28 and studying, at school, in an apprenticeship, or on an internship. Miss every one of them and the fee is €4.90 for that month.