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Overview of Comdirect fees and charges

Comdirect's fees are considered to be high. This is usually a result of high fees across multiple fee types. It's important to be aware of this and to decide whether other advantages of Comdirect can still make it a good choice for you. These deciding features can be its research options, its education section or the general user experience you get on its trading platforms.

Here's a high level overview of Comdirect's fees

Comdirect Fees snapshot
Assets Fee level Fee terms
US stock fee High 0.25% of trade value + €7.9, min €12.9 max €62.9
EURUSD fee High The fees are built into spread, 2 pips is the spread cost
US tech fund fee High 0-5% of trade value, only the buying is charged
Inactivity fee Low No inactivity fee in the first 3 years after account, then €1.95 per month if you don't satisfy criteria, such as min 2 trades per quarter

Comdirect fees
Comdirect fees explained

Online brokerages in general charge much lower brokerage fees than traditional brokerages do - this is largely due to the fact that online brokerages' businesses can be much better scaled: From a purely technical standpoint it doesn't make that much of a difference for them if they have 100 or 5000 clients.

This is not to say however that they don't have any fees at all. They make money by charging you at various events for various rates. Usually you need to keep an eye on these 3 types of fees:

  • Trading fees - these are brokerage fees that you pay when you actually do a trade, i.e. buying an Apple stock or an ETF. What you pay is either a commission, a spread or financing rate. Some brokers apply all of these.
    • A commission is either based on the traded volume or it is fixed.
    • A spread is the difference between the buy price and the sell price
    • Financing rate or overnight rate is charged when you hold your leveraged positions for more than one day.
  • Non-trading fees. These occur related to some operations you make in your account, i.e. depositing money to your account, withdrawing money from it or not trading for an extended amount of time.

We compare Comdirect fees with its closest competitors, Flatex and DEGIRO.

Comdirect fees
Comdirect trading fees

We see Comdirect's trading fees to be high because they charge more than most of its competitors.

Let's break down the trading fees into the different asset classes available at Comdirect.

Trading fees

Comdirect's trading fees are high.

Stock fees and ETF fees

Comdirect has high stock trading fees.

Stock fees of a $2,000 trade
Comdirect Flatex DEGIRO
US stock $14.2 $17.5 $0.6
UK stock $14.2 - $2.5
German stock $10.9 $6.5 $5.6

Forex fees

Comdirect's forex fees are high.

Forex fees of a $20,000 30:1 position open, 1-week-hold, and close
Comdirect Flatex DEGIRO
EURUSD benchmark fee $26.4 $24.6 -
EURGBP benchmark fee $24.8 $22.2 -

Fund fees

Comdirect fund fees are high.

A $2,000 fund buy fees
Comdirect Flatex DEGIRO
Mutual fund $20.0 $6.5 $10.3
EU mutual fund $20.0 $6.5 $10.3

Bond fees

Comdirect has average bond fees.

Bond fees of a $10,000 trade
Comdirect Flatex DEGIRO
US Treasury bond $33.7 $6.5 -
EU government bond $30.4 $6.5 $11.3

Options fees

Comdirect's options fees are high.

Stock index options fees of 10 contracts
Comdirect Flatex DEGIRO
US stock index options - - $6.5
UK stock index options - - -
German stock index options $49.5 - $9.9

Futures fees

Comdirect's futures fees are high.

Stock index futures fee of 10 contracts
Comdirect Flatex DEGIRO
US stock index futures - - $6.5
UK stock index futures - - $29.2
German stock index futures $49.5 - $9.9

CFD fees

Comdirect has average CFD trading fees.

CFD fees, commission of a $2,000 trade
Comdirect Flatex DEGIRO
Apple CFD $11.0 $5.6 -
Vodafone CFD $11.1 $5.8 -
Germany $5.6 $5.7 $5.7

Crypto fees

Financing rates

Comdirect financing rates are high.

If you want to trade on margin and prefer to hold your positions long, financing costs can be significant.

Comdirect yearly financing rates
Comdirect Flatex DEGIRO
Apple CFD financing rate 6.7% 6.7% -
Vodafone CFD financing rate 5.2% 5.2% -
EURUSD financing rate 6.1% 6.1% -
EURGBP financing rate 4.9% 4.9% -

Comdirect fees
Comdirect non-trading fees

When it comes to looking at all the non-trading fees Comdirect is a cheap broker. This means that they don't charge you a lot for non-trading related activities on your trading account, like withdrawal fee.

Non-trading fees include various brokerage fees and charges at Comdirect that you pay not related to buying and selling assets. Among some others, typical non trading fees are withdrawal fee, deposit fee, inactivity fee and account fee.

A high level overview of how Comdirect stacks up in non-trading fees
Comdirect Flatex DEGIRO
Withdrawal fee $0 $0 $0
Deposit fee $0 $0 $0
Inactivity fee No No No
Account fee No No No

Comdirect fees
Comdirect deposit fee

Deposit fees are applied when you send money to your trading account from your bank account. Usually brokers don't charge money for that and Comdirect is not different: you will see the exact same amount on your brokerage account that you sent by any of the deposit methods Comdirect offers.

Comdirect deposit methods
Comdirect Flatex DEGIRO
Bank transfer Yes Yes Yes
Credit/Debit card No No No
Electronic wallets No No Yes
Deposit fee $0 $0 $0

Comdirect fees
Comdirect withdrawal fee

Unlike the majority of the online brokers we have reviewed Comdirect does not charge a withdrawal fee. This means that you'll see the same amount of money on your bank account that you transferred from your brokerage account.

Comdirect withdrawal fees and options compared
Comdirect Flatex DEGIRO
Bank transfer Yes Yes Yes
Credit/Debit card No No No
Electronic wallets No No Yes
Withdrawal fee with bank transfer $0 $0 $0

Comdirect fees
Comdirect inactivity fee

Comdirect does not apply an inactivity fee which is great because your account will not be charged even if you do not trade for a longer time period (months or years).

Gergely Korpos

Gergely Korpos

Co-founder, CPO

Author of this article

Gergely's aim is to bring more clarity into personal investing. He has 10 years of experience in financial markets with GE Money, KPMG and MOL. He concluded thousands of trades as a commodity trader and financial portfolio manager

Everything you find on Brokerchooser is based on reliable data and unbiased information. We combine our 10+ years finance experience with readers feedback. Read more about our methodology

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