Another comdirect experience report, in which I would like to focus on the daily limit of transfers and withdrawals, and the use of the VISA card.

Transfers: Comdirect offereriert basically three ways to transfer:

1. Online Transfer: The most common way for a direct bank. Here are the comdirect NO LIMIT. This applies only to transfers to domestic third-party accounts! Condition is of course that the current account and the payout corresponding coverage has. If you want to have online on more than 12,500 euros to a foreign third party account, so you have this report of the German Bundesbank , which has, however, tax and legal background at any bank should be so. To know well: It is not possible online from the money market account (or by overnight Plus account) directly to transfer to a third account, that you transfer must advance the amount from the money market account (by Tan) on the checking account. This is however quite quickly. For me it was within the same day.
2. Telephone advice: When a transfer order by phone you can up to 12,500 € per day on third party accounts or other comdirect transfer account. Transfers from the savings account on the payment account / checking account are not limited.
3. Written money order by mail or fax. According to the website located here comdirect the daily limit for transfers to third party accounts at gerademal € 250. That is funny. Recently I had a lady explains to the customer hotline comdirect that there would be no requirement for a written payment limit. Because this to me seems a little risky but I think that more of the details of comdirect FAQs, ie 250 € per day, is probably.

As befits a direct bank, calculated comdirect a "channel surcharge" for telephone, written and fax orders.

Cash payment:
With the ec-/Maestro-Karte you can withdraw from ATMs within Germany up to 1000 € per day and a maximum of 2,000 € per week. Here's a tip from experience: If you look at comdirect for the decision, you should first consider how far the nearest branch of Commerzbank is removed (because only here you can charge money comdirect deposit into your account) or a branch of Berliner Bank, German Bank, Dresdner Bank, HypoVereinsbank or Postbank is removed (because only here can you stand next to the Commerzbank also free). I live in the city, but I can imagine that there are so many area where none of these banks is in close proximity. A huge disadvantage as compared to the savings banks, which are actually represented in each village. That's why I put all the Cash Group ATMs Search to my heart. Oh, and cash withdrawals from machines using VISA domestically I advise, since 3.0% of sales, but at least 5.11 EUR incurred for this.

Abroad, the limit for cash withdrawals at just 600 € per day or a corresponding amount in local currency. Here is to make sure that you can only withdraw money with the VISA card. In addition, you should make sure that the ATM has the VISA logo, then the payout is even free of charge! I was this year in the U.S., I have kept strictly to it and must say that I was more than satisfied: VISA ATMs anywhere you have found and the cash withdrawals were already visible within the next day in my giro transactions online.

Paying with the ec-/Maestro-Karte:
I have personally witnessed the comdirect ec-card. What should I report it? There was no failure yet. The card has worked in every shop and I pay almost all purchases made with the ec-card. The ec-card money me also has a chip, which you can charge. I have only charged them to feed the parking meter so.

Pay with a VISA card:
Here one must above all know that the standard VISA card no real Kreditkarteist, but "only" a debit card! That means it works like a credit card booked, but the amount immediately on the checking account and not until the following month. This of course has advantages and disadvantages. The downside is that the current pay accordingly be covered by the Visa card must be (beware impulse purchases!). However, I see this as a great advantage because I have so much better control of my spending. Who else would like that should set the comdirect American Express Gold Card. It is a charge card. The transactions carried out are collected and shared (usually once per month) due.

Abroad, I've used the VISA card more often. Especially in the States. Hotel and rental car has been charged in the same week of my paid account. For hire cars, for example, one should remember that even the security deposit amount is recorded as on the VISA card. Here is to note how on the one hand said that the Giro has enough coverage and, above all, that the limit is set higher, the VISA card in advance if necessary, to also settle everything. Comdirect bank allows three possible increases: the permanent, temporary and one-time increase. In my case, I can increase a week in advance by phone, the limit of my VISA card for a period of two weeks, so I could go away reassured.

Those interested in more detailed information regarding fees, finds everything in this price and service list .

All in all, I am still so pleased with comdirect. If you follow a few guidelines, you avoid many fees and can save here. Further advice will follow.

Read also: Comdirect bank best offer but lengthy application and study of the Business Week honors as the best online bank DKB .