Commerzbank DirektDepot
Traditional German Big Three bank offering Geschaeftsdepot with branch support. Accepts all legal forms, no minimum deposit.
Features
- ✓~60,000 tradable securities
- ✓German and international exchanges
- ✓In-person branch support
- ✓All legal forms accepted
- ✓No minimum deposit
- ✓DirektDepot online trading
Pros
- Branch network for in-person support
- Accepts all legal forms (GmbH, UG, AG, KG, GbR, etc.)
- No minimum deposit
- Established and trusted German bank
- ~60,000 securities available
Cons
- Automatically withholds 25% Abgeltungssteuer
- Expensive fee structure for large orders
- No Steuerstundungseffekt advantage
- Higher trading costs than online brokers
Connection Types
2 known connections
Best For
About Commerzbank DirektDepot
Commerzbank, one of Germany's Big Three banks, offers a Geschaeftsdepot through its DirektDepot service. It accepts any legal form with no minimum deposit and provides access to approximately 60,000 securities across German and international exchanges. The key advantage is Commerzbank's branch network — for complex questions or in-person support, you can visit a branch. Pricing follows a flat + percentage model: EUR 4.90 + 0.25% per order (minimum EUR 9.90, maximum EUR 59). This makes it expensive for large orders compared to IBKR resellers. Commerzbank automatically withholds 25% Abgeltungssteuer, creating the tax overpayment issue for GmbH investors.
Traditional Banking with Investment Access
Commerzbank's DirektDepot combines the security of a traditional German bank with online trading capabilities. The branch network is the key differentiator — if you have complex corporate tax or legal questions, in-person support is available at any Commerzbank branch across Germany.
Pricing Details
- Base fee: EUR 4.90 per order
- Volume fee: 0.25% of order value
- Minimum per order: EUR 9.90
- Maximum per order: EUR 59
- Example: EUR 10,000 stock purchase costs ~EUR 34.90
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