comdirect - eine Marke der Commerzbank AG
comdirect is a German digital banking and online brokerage brand of Commerzbank AG, founded 1994, offering German retail customers integrated current accounts, savings, securities trading, ETFs, structured products, and crypto certificates through a self-serve web and mobile platform with AI-powered trading signals.
- Company typePrivate
- Founded1994
- HeadquartersQuickborn, Germany
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What comdirect - eine Marke der Commerzbank AG does
comdirect - eine Marke der Commerzbank AG is a German digital banking and online brokerage platform founded in 1994 and headquartered in Quickborn, operating exclusively within Germany as a brand of publicly listed Commerzbank AG (Frankfurt Stock Exchange: CBK). The platform serves German retail customers across two integrated verticals: transactional banking (Girokonto current account, Tagesgeld PLUS savings, Festgeld fixed-term deposits, photoTAN/mobileTAN authentication, Apple Pay/Google Pay/Garmin Pay integrations) and securities trading (Depot, Wertpapierhandel, cominvest digital wealth management, Aktienanleihen/Nachkaufanleihen structured products, Krypto-Zertifikate Sparplan, wikifolio certificates, ProTrader/CFD/O&F derivatives). Supporting infrastructure includes the FactSet-powered Informer market data and research terminal, the Musterdepot virtual portfolio simulator, the comdirect Akademie (40+ free educational lessons), comdirect Magazin content hub, and the AI-driven Quant4you daily trading-signal service introduced in 2026.
The revenue model combines interest income (lending at 6.05% variable on Wertpapierkredit and 8.65% on Dispositionskredit, offset by 1.75% p.a. paid on Tagesgeld PLUS up to EUR 1,000,000), transaction fees on securities trading (EUR 9.90 standard, EUR 3.90 promotional for 36 months, EUR 0 via Trading Specials 2.0 for orders above EUR 1,000 at three partner banks), and account/service fees on the current account, cards, and FX. Customer acquisition is driven by promotional deposit bonuses (EUR 100-150), educational content marketing (comdirect Akademie, Magazin, multi-channel newsletters), and a referral program (Kunden werben Kunden). The platform operates as a self-serve product-led growth motion with no physical branches, distributing exclusively through comdirect.de, native iOS/Android apps, and 24/7 phone and chat support. Strategic partnerships with FactSet (market data), Mountain-View Data (fund data), and structured-product issuers Morgan Stanley, BNP Paribas, and Citibank extend the product shelf without balance-sheet exposure, while PSD2-compliant XS2A APIs enable third-party integrations. The comdirect business is consolidated into parent Commerzbank AG, which reported FY2025 revenues of EUR 12.2 billion (+10% YoY), a record operating result of EUR 4.5 billion (+18% YoY), and EUR 4 billion in net commission income (+7% YoY), with management guiding to exceed its EUR 3.2 billion 2026 net result target and announcing a 69% dividend increase plus EUR 1 billion buyback.
comdirect - eine Marke der Commerzbank AG firmographics
Firmographics- Name
- comdirect - eine Marke der Commerzbank AG
- Legal name
- comdirect – eine Marke der Commerzbank AG
- Website
- https://comdirect.de
- Company type
- Private
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- comdirect is a German digital banking and online brokerage brand of Commerzbank AG, founded 1994, offering German retail customers integrated current accounts, savings, securities trading, ETFs, structured products, and crypto certificates through a self-serve web and mobile platform with AI-powered trading signals.
- Ownership category
- akta.pro rank
comdirect - eine Marke der Commerzbank AG industry classification
Industry- Product category
- Retail Banking
- NAICS
- Depository Credit Intermediation (5221), Nondepository Credit Intermediation (5222), Activities Related to Credit Intermediation (5223)
- SIC
- Finance Services (6199), Security Brokers, Dealers & Flotation Companies (6211)
- akta.pro primary industry
- Margin Trading & Collateralized Borrowing (Exchange-Operated) (FSADAAAL)
- akta.pro secondary industries
- Budgeting & Cash-Flow Management (FSAGADAA), Lending & Credit Disbursements (FSAMAKAH)
Keywords
Where comdirect - eine Marke der Commerzbank AG is headquartered
LocationHeadquarters
- HQ city
- Quickborn
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
comdirect - eine Marke der Commerzbank AG business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Interest Income: Income from lending activities including securities credits (6.05% variable rate), overdraft facilities (8.65% variable rate), and mortgage lending. Interest expenses paid to customers on deposits including Tagesgeld accounts (1.75% p.a. for balances up to EUR 1,000,000).
- Trading Commissions: Fees earned from securities trading including equity trades, ETFs, funds, certificates, and derivatives. Standard commission of EUR 9.90 per trade after promotional period; promotional rate of EUR 3.90 for new customers for 36 months.
- Account and Service Fees: Revenue from various account services including current account management, payment processing, card services, and foreign exchange transactions. Tagesgeld account management is free for new customers.
- Parent Company Performance: Commerzbank AG (parent) reported record operating result of EUR 4.5 billion in 2025, with net commission income of EUR 4 billion and revenues of EUR 12.2 billion, demonstrating the scale of the group's retail banking operations including comdirect.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard securities trading commission at German exchanges and OTC markets |
| Transaction based/ take rate | Multi-year contract | New customer depot opening promotion with cash bonus |
| Subscription | Monthly | Current account with bundled Tagesgeld account |
| Usage-based | Monthly | Securities credit (margin lending) |
| Usage-based | Monthly | Overdraft facility (Dispositionskredit) |
| Subscription | Monthly | Junior Depot for children's savings |
| Subscription | Monthly | cominvest digital investment service |
| Freemium | Monthly | comdirect Akademie educational platform |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
comdirect - eine Marke der Commerzbank AG product offering
Product offeringCore offering
comdirect operates a digital-first online bank and brokerage serving German retail customers. It provides current accounts (Girokonto), daily and fixed-term savings accounts (Tagesgeld PLUS, Festgeldkonto), securities trading across stocks, ETFs, funds, certificates, derivatives, and crypto certificates via the Wertpapierhandel platform, automated wealth management (cominvest), lending products including overdrafts, securities-backed loans, personal installment loans, and mortgages, plus retirement savings (Altersvorsorgedepot) and financial education (comdirect Akademie).
Product overview
comdirect is a comprehensive digital banking and brokerage platform offered as a brand of Commerzbank AG, providing a unified ecosystem of banking, investing, and financial education products. The core offering centers on the comdirect Depot (securities trading account) and Girokonto (current account), which serve as the primary accounts for customers. These integrate with specialized trading products including Wertpapierhandel (securities trading platform), cominvest (digital wealth management), and the All World ETF for diversified investing. The platform offers derivatives products through Trading Specials 2.0, Aktienanleihen, and Nachkaufanleihen. Savings products include Tagesgeld PLUS and Festgeldkonto. Additional modules include the comdirect Akademie (financial education platform), Musterdepot (virtual portfolio simulator), Informer (market data tool), and comdirect Magazin (financial content hub). For younger customers, Junior Depot and Junior Giro are available. The platform supports mobile payments via Apple Pay, Google Pay, and Garmin Pay, and secures transactions through photoTAN and mobileTAN authentication. The Quant4you AI-powered trading signal service provides automated investment recommendations.
Differentiator
Problem solved
Functional benefit
Brands
- cominvest: Digital investment service offered by comdirect for automated and cost-effective investing.
- comdirect Akademie
Products and services
- comdirect Depot Core securities trading account enabling customers to buy and sell stocks, ETFs, funds, certificates, bonds, derivatives, and crypto products with competitive trading fees.
- Girokonto Current account with free Tagesgeld PLUS account offering variable interest rates (currently 1.75% p.a. for balances up to EUR 1,000,000), free Visa debit card, and mobile payment support.
- Wertpapierhandel Securities trading platform offering access to stocks, ETFs, funds, certificates, bonds, Aktienanleihen, Nachkaufanleihen, leveraged products, and crypto certificates.
- cominvest Digital wealth management service offering ETF and fund investing with automated portfolio management and competitive pricing on purchases, sales, and savings plans.
Quantifiable outcome
- 18% increase in operating result to EUR 4.5 billion for parent Commerzbank in 2025
- +3 more outcomes
Companies that use comdirect - eine Marke der Commerzbank AG
Customer profileSegments4 records
Ideal customer profiles4 records
comdirect - eine Marke der Commerzbank AG technology and API
TechnologyAPI detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability3 records
Feature5 records
comdirect - eine Marke der Commerzbank AG partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core, minor and supporting.
- FactSet UK LimitedcoreFactSet provides the market data, stock quotes, financial news, and analysis tools powering the comdirect Informer service. This partnership enables real-time and delayed market data from Deutsche Börse, fund data providers, and various exchanges for customer trading and research activities.
- FactSet Research Systems Inc.corePrimary data provider for the Informer financial information system, supplying market data feeds, company information, and analytical tools integrated into the comdirect trading platform.
- excellents GmbHminorThird-party service provider handling telephone customer support for the comdirect Akademie educational platform outside regular service hours, responding to specific questions about the academy via contact form.
- Mountain-View Data GmbHsupportingFund data provider supplying mutual fund and ETF information for the comdirect platform's investment research and selection tools.
- Morgan StanleysupportingIssuing bank for structured products ( Aktienanleihen Protect) distributed through the comdirect platform, offering customers access to Morgan Stanley-issued investment certificates.
- BNP ParibassupportingIssuer of Nachkaufanleihe (recurring purchase certificates) and other structured products available for trading on the comdirect platform, expanding the range of investment options for customers.
- CitibanksupportingIssuer of Aktienanleihe Protect structured products distributed through comdirect, providing customers with Citi-issued investment certificates and derivative products.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
comdirect - eine Marke der Commerzbank AG competitors and assessment
Company assessmentDirect peers
- Consorsbank (BNP Paribas): German online broker and bank owned by BNP Paribas, offering securities trading, current accounts, and savings products. Direct competitor on the same German retail customer base with overlapping product set.
- DKB (Deutsche Kreditbank): German direct bank owned by BayernLB offering current accounts, securities trading, and lending. Closely comparable digital-first retail banking model targeting the same German mass-affluent customer segment as comdirect.
- Scalable Capital: Munich-based digital wealth manager and broker offering ETFs, stocks, and crypto via a self-directed platform (Scalable Broker) and managed product (Scalable Wealth). Directly competes with cominvest and comdirect's Depot on price and product breadth.
- Trade Republic Bank GmbH: Berlin-based German neobroker offering commission-free securities trading, savings plans, and crypto. Most direct competitor to comdirect on retail brokerage in Germany, competing aggressively on trading fees and digital UX.
- flatexDEGIRO Bank AG: Frankfurt-listed online broker operating flatex, DEGIRO, and ViTrade brands across Germany and Europe. Closest publicly listed comparable to comdirect on retail brokerage volume, product range, and European footprint.
- Smartbroker Plus (SMARTBROKER+ AG): Hamburg-based German online broker offering stocks, ETFs, funds, and derivatives via gettex and Tradegate. Direct price competitor to comdirect on retail brokerage with a multi-broker execution model.
Emerging players
- N26 Bank GmbH: Berlin-based digital bank offering current accounts, payments, and limited investment products. Competes with comdirect on German retail digital banking but with narrower brokerage and lending capabilities.
Broad incumbents
- ING-DiBa (ING Germany): German branch of ING Group, one of the largest direct banks in Germany with current accounts, brokerage, and consumer lending. Broader incumbent competing across multiple product lines rather than specializing in brokerage.
- Baader Bank AG: German full-service bank specializing in capital markets services, brokerage, and trading platform operation (gettex). Provides infrastructure for many German retail brokers including structured products trading.
- Postbank (Deutsche Bank): German retail bank owned by Deutsche Bank, offering current accounts, savings, mortgages, and securities services. Traditional incumbent competitor rather than a digital-first peer, but overlapping retail customer base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
comdirect - eine Marke der Commerzbank AG social profiles
Digital presencecomdirect - eine Marke der Commerzbank AG compliance and trust
Trust signalCompliance3 records
comdirect - eine Marke der Commerzbank AG financial estimates
Financial estimateRevenue estimate
Valuation estimate
comdirect - eine Marke der Commerzbank AG leadership team
Management profileNumber of profiles
Profiles1 record
comdirect - eine Marke der Commerzbank AG funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
comdirect - eine Marke der Commerzbank AG M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about comdirect - eine Marke der Commerzbank AG
What does comdirect - eine Marke der Commerzbank AG do?
comdirect operates a digital-first online bank and brokerage serving German retail customers. It provides current accounts (Girokonto), daily and fixed-term savings accounts (Tagesgeld PLUS, Festgeldkonto), securities trading across stocks, ETFs, funds, certificates, derivatives, and crypto certificates via the Wertpapierhandel platform, automated wealth management (cominvest), lending products including overdrafts, securities-backed loans, personal installment loans, and mortgages, plus retirement savings (Altersvorsorgedepot) and financial education (comdirect Akademie).
Is comdirect - eine Marke der Commerzbank AG a public or private company?
comdirect - eine Marke der Commerzbank AG is a private company. It is classified as corporate owned and is currently operating.
When was comdirect - eine Marke der Commerzbank AG founded?
comdirect - eine Marke der Commerzbank AG was founded in 1994. It employs 1,001 to 5,000 people.
Where is comdirect - eine Marke der Commerzbank AG based?
comdirect - eine Marke der Commerzbank AG is headquartered in Quickborn, Germany, in the Europe region.
How does comdirect - eine Marke der Commerzbank AG make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are trading Commissions, account and Service Fees and parent Company Performance.
Who are comdirect - eine Marke der Commerzbank AG's main competitors?
Direct peers on record are Consorsbank (BNP Paribas), DKB (Deutsche Kreditbank), Scalable Capital, Trade Republic Bank GmbH, flatexDEGIRO Bank AG and Smartbroker Plus (SMARTBROKER+ AG). N26 Bank GmbH is listed as an emerging player. Broad incumbents are ING-DiBa (ING Germany), Baader Bank AG and Postbank (Deutsche Bank).
Does comdirect - eine Marke der Commerzbank AG have an API?
Yes. comdirect offers an xs2a (Access to Account) API developer portal at xs2a-developer.comdirect.de for third-party services integration, enabling third-party providers to access account information and initiate payments under PSD2 regulations. Developer documentation is at xs2a-developer.comdirect.de.
What industry is comdirect - eine Marke der Commerzbank AG in?
comdirect - eine Marke der Commerzbank AG's product category is Retail Banking. Its primary akta.pro industry code is FSADAAAL, Margin Trading & Collateralized Borrowing (Exchange-Operated), with a secondary code of FSAGADAA, Budgeting & Cash-Flow Management. Its NAICS code is 5221 and its SIC code is 6199.