comdirect or DKB: Which Is Better in Germany? (2026)
The short answer
comdirect is free for the first 6 months and then waives its fee on any one of four conditions, where DKB waives only on EUR 700 monthly incoming or being under 28. DKB is cheaper if you miss the bar, EUR 4.50 against EUR 4.90, and does not cap free withdrawals at 3 a month.
Row by row
Fees verified August 2026 against each provider's published data
| Criterion | comdirect | DKB |
|---|---|---|
| Fee waiver conditionsWhat you must do each month to avoid the fee | First 6 months free, then any one of EUR 700 monthly incoming, 3 mobile payments, 1 trade or savings plan, or under 28Wins | EUR 700 monthly incoming or under 28 |
| Fee if the conditions are missedThe price in a month where you do not qualify | EUR 4.90 a month | EUR 4.50 a monthWins |
| Free withdrawal allowanceHow much cash you can take out before it costs | Cash Group plus 3 free worldwide withdrawals a month | worldwide free withdrawals for AktivkundenWins |
| Girocard costThe German-only debit card some shops still require | EUR 1 a month | EUR 0.99 a monthWins |
| Opening timeHow fast the account is usable | 1 dayWins | 2 days |
| English supportApp, contract and helpline language | German only, 24/7 hotlineTie | German onlyTie |
So which one
Pick comdirect if
- You cannot promise EUR 700 a month: comdirect also waives the fee for 3 mobile payments or 1 trade, and is free for the first 6 months.
Pick DKB if
- You withdraw cash more than 3 times a month, which comdirect caps and DKB does not for Aktivkunden.
Other comparisons
6 more pairsHow we compared these two
The criteria are fixed
Every comparison on this site uses the same 6 rows in the same order, so two pages can be read against each other. We do not add a row because one side happens to win it.
A win is a stated threshold
A row is won on the published number or capability, not on judgement. Ties are declared rather than broken. Figures come from provider price lists and official sources.
How we get paid
Both links earn a commission at the same rate, so the winner of a row is never the higher-paying one. Fees come from each provider's own published price list, not a comparison feed.
Sources: provider price lists and official data, accessed August 2026. Next review: November 2026.
Frequently Asked Questions
Which is better, comdirect or DKB?
comdirect is free for the first 6 months and then waives its fee on any one of four conditions, where DKB waives only on EUR 700 monthly incoming or being under 28. DKB is cheaper if you miss the bar, EUR 4.50 against EUR 4.90, and does not cap free withdrawals at 3 a month.
When should I pick comdirect?
You cannot promise EUR 700 a month: comdirect also waives the fee for 3 mobile payments or 1 trade, and is free for the first 6 months.
When should I pick DKB?
You withdraw cash more than 3 times a month, which comdirect caps and DKB does not for Aktivkunden.
Community Q&A