A simple step-by-step guide on how to open a bank account in Germany. Open an online Germany bank account and documents required to open a German Bank accountRead More
Apply Online for ComDirect Account – Detailed Instructions
One of the best online banks in Germany, ComDirect offers a free bank account with free VISA card and free worldwide cash withdrawal. In addition, for new customers, the bank gives a joining bonus of €150 . For more information about ComDirect checking account, click here.
Below is a step by step instruction guide to open a Comdirect current account online with English translation and detailed screenshots.
STEP 1 : OPEN ONLINE APPLICATION
Open the online application form from the link provided here (opens in a new window). This will open the below page. Click on the button “Jetzt Girokonto eröffnen” highlighted below.
Step 2 : Fill the application online
Details of Bank account
Provide information about the bank account you need. You need to mention if you need a personal bank account for private use or a business account. Next, provide you need to open a single account holder or a joint account.
Enter Personal Details
Provide your personal details such as name, date of birth, Nationality etc as seen below.
Enter Address and Contact Details
Provide your Registered address in Germany (Switzerland or Austria). You you reside in other countries, you cannot open the account online. In case you have not resided in the present address for more than 2 years, you will have to provide your previous address also.
Please provide details about your employment. Angestellte/r (Employee), Selbständige/r (Self Employed), Hausfrau/mann (Housewife/ Stay-at-home Dad) or Studente/n (student) are the mainly used. If you do not belong to the above, check google translate.
Free Credit Card
Select the free credit card you need, for this, you need to provide your monthly salary based on which your credit limit will be set.
Wechselgeld-Sparen Small Change savings
Small change saving (literally translated) is a option which you can select to open a saving account. The saving account is usually higher interest earning. How does this work? When you use your card, the payment is rounded off to the nearest euro and the extra change is directly deposited into your saving account. This allows mandatory savings without you realizing it. If you want to activate this feature click on the check box.
This allows you to take a withdrawal from your bank even if you do not have enough balance left in your account. Overdraft incurs higher interest charges which will be incurred each month. If you are new to Germany and do not have a good credit rating, avoid this while applying for a bank account. If you request for a overdraft facility without a good credit rating, your bank account will be rejected.
Free Securities account
You can apply for a securities deposit account if you are interested in buying shares or funds or other securities transaction. This is a free account so you do not have any obligation to use it even if you open it. If you are new to trading then you can ignore it, but sometimes it helps to also apply for this free securities trading account since banks usually give higher preference to customers (lower chances of refusal) who opening a bank accounts which also include a securities trading account.
Check the appropriate boxes declaring that you read the terms and conditions and that you will not use the account for money laundering purposes. You are also provided with opt-ins to subscribe for Email marketing or telephone marketing.
Click on Weiter (Next) to continue.
STEP 4 : Verify the details
Check if the details you entered are correct. If not, go back (Zurück) and change the required details. If all the details are correct click Next (weiter) to submit the application and generate the filled-up PDF-application.
If you need to make any corrections, click on the highlighted portion as shown above in the appropriate places and correct the details. Once corrected, select Änderung speichern to save the corrections. You can download the terms and conditions as PDF for your reference as seen below.
Once you have confirmed the application, click on Weiter (Next) to continue and submit the application.
Step 5 : Print the Application
Download the completed application form and print them. If you were unable to print it , you can also request the completed application form to be sent by post.
STEP 6 : Identity Verificaiton
Go to any nearest DeutschePost post office or Postbank Center. To find out the center which is closest to you, click Postoffice Finder. Type in the city, postal code or the name of the street and under the option”alle speziellem service” select the option for “PostIdent”. You will be showed on the map the Postoffice branches closest to you.
Take along the following documents with you:
- Printed Application form (as generated) – All the pages including the PostIdent coupon on Page 5
- Passport & Resident permit/Visa (Non-German) or Germany Passport or German ID card (German)
- Address registration document
Sign the application form in front of the Clerk at Postoffice. He will check the details on the application form with the details on the details on your passport and verify the signature. Then the clerk at the postoffice will send the application form to the required address free of charge.
This is a new verification method provided by Comdirect where you can confirm your identity through video telephony. However, it is currently only available for holders of identity documents which is in German. That is passports from German speaking countries (Germany, Austria, Switzerland, Liechtenstein and Luxembourg).
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