En route with Caro (22)

Student in her 4th semester
and comdirect customer since December 2015

"Sometimes earlier in the morning, I get off the train one stop early and walk the rest of the way to uni.

That helps to really
wake me up."

"They say that my generation are obsessed with our smartphones, that we spend all our time on social networks and have no idea where we’re going.

But I don’t know anyone who that applies to."

"Of course we need smartphones, mostly for chatting with friends, to stay in contact or to meet up. It’s quick and easy. I find some apps really helpful and sometimes I shop or listen to music with my smartphone, too.

But otherwise, I prefer living in the real world..."

"I never thought about whether I needed a bank until I became a student. But then I got my first flat, and soon afterwards my internship in London, suddenly I needed travel money and was constantly being asked for my IBAN."

"I found comdirect by chance. I just googled ‘online account’ because I needed British pounds. I thought something must be possible over the internet. The main point: It should be simple and quick.

And it really was that easy ... opened an account online straight away via video chat with a really nice person at the bank. Held my ID up to the camera, and I had my current account ..."

  • 1. Enter personal details. Select extras, e.g. Visa card, and save registration. Call Customer Service and start the VideoIdent process together.

  • 2. Hold ID and signature up in front of camera.

  • 3. Receive account number and use account immediately.

  • 4. Girocard and, if requested, Visa card arrive by post to your home a short time later along with all other documents.

"I’ve been with comdirect ever since. It’s actually really cool, also because they always offer me new solutions that suit me. And if I have a question, they’re there. Around the clock. And always friendly."

"Saving isn’t really on the cards at the moment. I’m more interested in what I can afford every month. I often check my balance three, four times a day. That’s really easy with the mobile app – log in once and then call up the account balance at any time when out and about."

... right, have to run, I’ve got a lecture.”

Smart access to full service

Modern people like Caro aren’t looking for a bank, they’re looking for the right solution. And it has to be available easily, and preferably straight away. Tedious procedures for new customers involving showing their ID at the post office counter simply don’t cut it any more.

That is why we are making comdirect as accessible as possible – for all customers who want to find smart solutions easily. Opening a comdirect current account in the time it takes to drink a cup of coffee, for example. New customers can easily and conveniently prove their identity by smartphone or tablet using VideoIdent. A customer adviser guides them through the whole process and the account is available in just a few minutes. The free girocard, and the free Visa card, too, if requested, arrive in the post a few days later.

Our personal customer service is always available: 24 hours a day, 7 days a week – accessible by telephone, email, live chat and live support. This helps us to ensure that our customers get a professional response to any question, anywhere and at any time. By extending the use of chat and video applications, the customer service can better meet individual requirements, offering custom-tailored products and services proactively, but not intrusively.

"A banking relationship that is personal and in a spirit of partnership is important to us – and is in no way in conflict with entirely digitised business processes”, emphasises Martina Palte of the Board of Managing Directors. "Only together do they provide smart and intelligent solutions that give our customers more freedom."

Smart access to full service

Modern people like Caro aren’t looking for a bank, they’re looking for the right solution. And it has to be available easily, and preferably straight away. Tedious procedures for new customers involving showing their ID at the post office counter simply don’t cut it any more.

That is why we are making comdirect as accessible as possible – for all customers who want to find smart solutions easily. Opening a comdirect current account in the time it takes to drink a cup of coffee, for example. New customers can easily and conveniently prove their identity by smartphone or tablet using VideoIdent. A customer adviser guides them through the whole process and the account is available in just a few minutes. The free girocard, and the free Visa card, too, if requested, arrive in the post a few days later.

Our personal customer service is always available: 24 hours a day, 7 days a week – accessible by telephone, email, live chat and live support. This helps us to ensure that our customers get a professional response to any question, anywhere and at any time. By extending the use of chat and video applications, the customer service can better meet individual requirements, offering custom-tailored products and services proactively, but not intrusively.

"A banking relationship that is personal and in a spirit of partnership is important to us – and is in no way in conflict with entirely digitised business processes”, emphasises Martina Palte of the Board of Managing Directors. “Only together do they provide smart and intelligent solutions that give our customers more freedom."