comdirect - eine Marke der Commerzbank AG Reviews 

I have had a savings account with comdirect for a few years and never had any problems, although I didn't ask anything of the bank other than to hold my money. Recently however I was the victim of a what's app reservation hijack where the fraudsters used stolen reservation details to convince me that a request to pay my hotel room in advance was made on behalf of the hotel booking agent. Because I approved the pushTAN, the bank rejected my chargeback request. This was astonishing because immediately after approving the first transaction, I received a second request from the fraudsters for 900USD, which I denied. This was when I realised I had been scammed. I then called comdirect to report the fraud and ask for the payment to be blocked but was told there was nothing that could be done and that I had to wait for the money to be taken from the account. I was told I could reclaim the money via an 'Umsatzreklamation'. When I did as the bank instructed, they rejected my chargeback request, claiming they had nothing to do with the fraud, did not know anything about it (untrue) and that I approved the transaction (untrue).

The bank has violated several obligations and laws:

1. Strict Obligation for Immediate Reimbursement Irrespective of Alleged Negligence (ECJ, Case C-70/25 – Tukowiecka)

The bank’s primary argument that it is exempt from its statutory refund obligation under § 675u BGB / Article 73 PSD2 because I authorised the payment via pushTAN is fundamentally incompatible with EU law. In its judgement delivered on 15 October 2026 in Case C-70/25 (Tukowiecka), the European Court of Justice (ECJ) established an absolute ‘refuse first, litigate later’ standard for unauthorised payment transactions across the EU. The Court explicitly ruled that are payment service provider cannot refuse an immediate refund on the grounds that the customer allegedly acted with gross negligence. By refusing my chargeback request, and my subsequent object to the refusal (Widerspruch), Comdirect is in direct violation of the binding interpretation set forth by the ECJ in Tukowiecka.

2. Defective and Misleading Authentication Interface (PSD2 / § 675j BGB violations)

The pushTAN displayed only the numerical amount without disclosing the true beneficiary name (Zahlungsempfänger). The recipient field included only generic details. Strong Customer Authentication (SCA) under PSD2 requires that the user is made aware of both the amount *and the recipient* of the payment. By hiding that the funds were to be routed to “Coursera Education, Dubai” instead of the intended merchant, the bank/payment scheme failed to provide a transparent verification process.

3. Violation of Duty to Mitigate and Acknowledge Immediate Notice

I contacted Comdirect less than 30 minutes after the unauthorised/deceptive transaction, explicitly reporting fraud and asking to block the transfer. The bank negligently dismissed this urgent warning, telling me to wait for the money to leave my account. Had they acted upon my timely fraud notification, the financial damage could have been averted or intercepted.

4. Inappropriate Rejection of Chargeback Rights

Comdirect’s blanket refusal to honour the chargeback by shifting liability onto the customer (via the argument that I approved a pushTAN), despite a known systemic data breach and immediate fraud report, violates consumer protection principles in digital payment transactions.

For all of these reasons I find the customer service at comdirect absolutely abominable. I have reported the matter to BaFin and am currently looking for another bank.

I strongly advise everyone to stay away from comdirect. I was planning to switch to them from Deutsche Bank, expecting a modern, fast, and customer-oriented service. Instead, I experienced complete disrespect for potential clients and total incompetence.

Document verification took 2 MONTHS. During this entire time, I was left completely in the dark, and phone support couldn't tell me anything useful.

The result — rejection without any reason. After two months of waiting, they simply mailed a generic template letter.

If you value your time and peace of mind, look elsewhere. This bank is stuck in a bureaucratic nightmare and is completely incapable of handling even basic account openings. A total waste of time.

there is no customer service, no one is responding on the telephone hotline, tried for more than one hour.

Opening an account with Comdirekt is mission ompossible. If you have managed to open one read the other reviews or just stay away.

My partner and I applied for a joint account with comdirect. I am a German citizen, and my partner is an Ethiopian citizen with a valid German residence permit. We completed the entire application process, including the identity verification at the post office (PostIdent), and submitted every document that was requested.
After waiting almost three weeks without any update, I called customer service to ask about the status. I was told that we should receive our documents within two or three days. Instead, my partner received a rejection letter stating that our application had been declined, without any explanation. I did not receive any communication myself.
I understand that banks have the right to accept or reject applications based on their internal policies. What disappointed me was the lack of communication and transparency throughout the process. We invested time completing all the required steps, waited weeks without updates, and received contradictory information from customer service before the rejection.
A clearer and more timely communication would have made the experience much more professional, even if the final decision had remained the same.

I changed to Comdirect from the Kreissparkasse. Why? I paid monthly for my account at the KSK, only ever used the online service. The customer service at the KSK is diabolical. It was easy to switch to the Comdirect, the 'umzug' service worked perfectly. The App seems stable, the photo TAN works fine. I have never had to call them - maybe my opinion will change if I ever need to speak to Comdirect as Germany is a customer service nightmare. So far all okay.

The worst bank I have ever dealt with.

They constantly ignore emails sent to customer service unless you escalate the issue to BaFin.

Their customer service is also the worst I have ever experienced. Instead of solving problems, they create new ones every time and provide misleading or inaccurate information.

I also experienced racist behavior from one of their customer service representatives. When I explained in German that my German was not very good and politely asked them to speak more slowly, the representative started yelling at me, mocked my accent, and then hung up the phone.

The most ridiculous part was that when I reported this unacceptable behavior to their complaints department, their response was simply to close my account instead of addressing the issue.

on the 10th Feb 2026 i booked a room in
Con buen sabor Via verde, Antigua Estación Via verde de la sierra in Montellano/Anadlusia through BOOKING.COM.
The room had to be paid in advance (not to be cancelled).
in short: The accomodation was a complete desaster!

Contacting BOOKING.COM several times was without success. They sent autoresponders but nothing else. I never expected such an awfull service from them and was estonished about such unserious procedures.
By good luck i could cancel the credit card withdrawal from my account with COMDIRECT.DE
Thanks for the good service!

Disappointed as a comdirect client since a decade

There were such a cool online bank at the beginning. Now it is so disappointing to see their performance, their non-functioning, their late or partially no response ignorance to good clients.

There were so good, what happened to see the slow decline?

Today 13.4.2026 I try to use basic services, the comdirect.de site is simply down. No further notification.

Beginning of this year: As a foreign bank account holder, you could not adapt basic bank functions such as the standing order "Daueraufträge" yourself. And this as an online bank!

Anyone who wrote to the client service at comdirect will experience yourself. You receive no direct answer combined with late partial answer combined with no proactive solution oriented response. Very low performing, very sad and very customer unfriendly.

The easiest way would be, here is how we will fix it by this date. Instead nothing.

You can re-ask the same request again and again, with a new person, and start from zero, if you have not given up before. Which most clients will do. Frustrating to deal with them.

A few weeks ago beginning of this year, you received a mail as client, talking about new functions new things as if they try to be innovative again, from the Head of client services. I wrote him back directly with cc client service and got until today NO answer at all.
Is this the way you treat your service, functionalities, strategy and your client base comdirect? Very disappointing.
You see the result in the lowest client rating over thousand of clients if you do a simple web search.

It raises concerns on managing level.

total blocker: they loose their own data in their systems. copy & paste answers, non-supportive and essentially arrogant. never ever choose comdirect bank. they used to be great but post merger went clearly downhill.

I can't recommend the comdirect to anybody, The Bank never supported you in any kind and my efforts to contact them never works.

Opening an account with this bank is easy, but being properly informed as an existing customer is not. From a financier’s perspective, comdirect appears to prioritize customer acquisition over customer care. Every attempt to clarify basic account related questions by phone has been frustrating, with identification procedures followed by waiting times of 20 minutes or more. When contact is finally made, responses are often unfriendly and rushed, frequently limited to “this is in your app inbox” before the call is abruptly ended. The lack of any English language support further reduces accessibility. Overall, a disappointing experience that undermines trust and effective communication.

Absolute disaster. They were once a cool online bank, now it is the worst bank/fintech I've ever used. I closed my account, but they were still charging hidden fees and threatened me. Of course they are still sending regular mail in 2026 and all their customer support is only in German. The customer support hung up the phone when I asked for explanation why they are charging fees on a clsoed account.

Super bank!

They take your money but no way to get help.

Used to use the bank for over two decades. Then Commerzbank bought it. It took them a few month to terminate my accounts and my depot. Just got kicked out, no explanation, nothing. Seems I didn't do enough trades or put enough money for their need. So good bye. Lucky, there are much better online banks available, so I moved. Not missing them.

Disgusting. Don't expect any support. Customer for years and chat is never accessible, getting in touch via phone takes hours sometimes and they just hang up! Randomly, functions on your account stop working and no one knows why.

I have been a comdirect client for >6 years, and the service quality has dramatically decreased over the last 2 years.

There is no single point of failure; the problem is the bank's approach to the product and how it handles the clients.

E.g.:
- This year was a massive outage, so clients could not access their money for almost a day. However, the bank had not announced it on the site's official page. Instead, all you can find is a thread on some community forum.
- This October, the Echtzeit transactions do not work for a week, and the information about it cannot be found on the official channels of the bank.
- There is a separate application for transaction confirmation. Why is it needed?
- The official app has glitches, sometimes blocking the UI or asking for a fingerprint authentication 3 times in a row.
- Last year, the bank canceled many long-time loyal clients. Without reason, just sending a notification that their account will be closed in 2-3 months - take your money and get out.
- I have not seen chat support in the app working. It is literally always unavailable.
- Phone support needs to be trained in customer service. If you reach out to them, they hang up in the middle of a conversation.

This is a frustrating experience, and I can't recommend the bank to anyone until the issues are addressed.

I had an account with comdirect when I lived in Berlin a decade ago. Recently I have been trying to get the account deleted and the money transferred, I have never experienced such incompetence in my life.

They have asked for documents repeatedly, despite me having already sent the documents, and when I simply ask for an update they ask for it to be given in writing. It's infuriating trying to deal with a customer 'help' service where they clearly do not care at all, and have no empathy. I began this process on the 18th May, and now, 16th September, I am no closer to the conclusion of it. I don't see how I will get hold of the non-trivial amount of money I had left in my account.

I cannot advise any potential customers strongly enough to avoid this awful, awful company.

For 15-20 days ago I wanted to open a giro account by the bank, after that tried to do identification process by more than 2_3 hours video call and maybe more than 20 times meeting at post, but every times they said there could not do it. I contacted customer service, that said there was no problem with documents, but the agents at post or during video call said so i had to ask themselves (costumer service) to complete the procees. I enjoyed the this høj level of respect . I gave up opening the account . Nothing more to do with this bank, but now I understand the reason of the cheap service of the bank.