Step-by-Step Guide:
Opening Comdirect Tagesgeld PLUS
Complete English instructions to open your savings account and start earning interest
Go directly to Tagesgeld PLUS opening →Complete Step-by-Step Instructions
Follow these steps to open your Comdirect Tagesgeld PLUS and start earning interest on your savings.
Open a Comdirect Girokonto (If Needed)
Open a Comdirect Girokonto (If Needed)
Tagesgeld PLUS requires a Comdirect Girokonto as the linked reference account. If you don't have one yet, open it first — the application takes just a few minutes online. The Girokonto is free with active use (e.g., regular salary deposits of €700+/month).
Tip: If you already have a Comdirect Girokonto, you can skip this step and go directly to applying for Tagesgeld PLUS in your online banking.
Apply for Tagesgeld PLUS in Online Banking
Apply for Tagesgeld PLUS in Online Banking
Log in to your Comdirect online banking or app. Navigate to the savings products section and select "Tagesgeld PLUS". The application is pre-filled with your existing customer data. Review and confirm the terms to complete the application.
Tip: New customers opening a Girokonto and Tagesgeld PLUS together can often do both in a single application process.
Complete Identity Verification (New Customers Only)
Complete Identity Verification (New Customers Only)
If you're a new Comdirect customer, complete the VideoIdent identity verification. Use the link in your confirmation email to start a short video call (5-10 minutes). Show your passport or ID card. Existing Comdirect customers with verified identity can skip this step entirely.
Tip: VideoIdent is available daily, including weekends. Have your original ID document and a stable internet connection ready.
Transfer Money to Your Tagesgeld Account
Transfer Money to Your Tagesgeld Account
Once your Tagesgeld PLUS is activated, transfer money from your Girokonto. There's no minimum deposit — start with any amount. Transfers from your linked Girokonto are processed instantly.
Tip: Set up a standing order (Dauerauftrag) from your Girokonto to Tagesgeld PLUS for automatic monthly saving.
Monitor Your Interest Earnings
Monitor Your Interest Earnings
Interest is calculated daily and paid out quarterly. Track your interest earnings in the Comdirect app or online banking. You'll see your current balance, accumulated interest, and the applicable interest rate.
Tip: Set up a Freistellungsauftrag for up to €1,000 (€2,000 for couples) to ensure your interest income is tax-free up to this amount.
Withdraw Anytime to Your Girokonto
Withdraw Anytime to Your Girokonto
Need your money? Transfer any amount from Tagesgeld PLUS back to your Girokonto at any time. There are no notice periods, no withdrawal fees, and no penalties. Transfers are processed instantly during banking hours.
Open Tagesgeld PLUS Now
Follow these steps to open your Comdirect Tagesgeld PLUS. You'll need a Comdirect Girokonto as your reference account.
Open Tagesgeld PLUS Now →Helpful Tips for Your Tagesgeld PLUS
Before You Start
Ensure you have a Comdirect Girokonto (or plan to open one). Check the current promotional interest rate on the Comdirect website. Decide on your savings goal — whether it's an emergency fund, short-term savings, or a parking spot for surplus cash.
Maximizing Your Returns
Set up a Freistellungsauftrag to avoid unnecessary tax on interest income. Consider setting up a standing order for automatic monthly transfers to build your savings consistently. Keep an eye on promotional rate expiry dates and standard rates.