Better budgeting – with Personal Financial Manager
Rent, mobile phone bill, gym membership, dining out – keeping an eye on all those monthly expenses is hard work. Often the decision about what you can still afford or can manage without is based on gut feeling. Good earners in particular often slip into overdraft, as the comdirect Savings and Consumption Index shows. This situation can be avoided by using Personal Financial Manager.
comdirect is the first bank in Germany to offer this free tool, which facilitates individual budget planning. It enhances the attractive range of core features provided by our current account and card offering, through which we still gain the majority of our new customers.
Personal Financial Manager is a state-of-the-art budgeting book and an effective tool for better financial planning. It provides our customers with transparency and enables them to closely monitor their budgets.
Personal Financial Manager automatically allocates all transactions posted to the comdirect current account to the corresponding categories – for instance, car, leisure or home – and presents the information as interactive charts.
If a desired category is not available, customers can make manual adjustments and create individual rules for the future. Transactions which can encompass several categories, for example a debit payment to a supermarket, can be readily apportioned. Cash expenditure can also be allocated manually to the categories.
In addition, monthly budgets can be set for the individual categories, and compliance with these limits is tracked over the course of the month. Customers can specify the limits themselves or generate them automatically using Personal Financial Manager on the basis of past expenditure. On request, customers can receive an e-mail alert when a budget is exceeded.> Find out more: video overview showing key benefits of Personal Financial Manager (German version)
New at comdirect in 2013: simply secure
Since April 2013, comdirect customers have been able to authorise online transactions using a particularly secure procedure offered to date by only a few banks worldwide – the photoTAN. This comprises a multi-coloured image that appears on the computer screen and contains the instruction information and transaction number (TAN) in encrypted form. The image can be scanned from the screen using an app and the smartphone will then display the order instructions for confirmation along with the TAN. This procedure enhances security as there is no connection between the smartphone and online banking. Customers without a smartphone can use the photoTAN by means of a special reader.
You're safe with us promise
Online banking is safe and secure with comdirect. And that's guaranteed. Should our customers incur losses in online banking through unlawful transactions, then we will refund the corresponding sum of money. This is subject to the customer reporting the loss immediately and not being responsible for the loss as a result of intent or gross negligence.
Personal PIN selection
comdirect's cards are now even more attractive, with personal PIN selection. Customers can easily change their Visa card PIN by visiting the personal login section of the comdirect website. And since the end of February, it has been possible to change the girocard PIN at all Commerzbank ATMs – as many times as required and at no charge. Once amended, the personal PIN is ready to use immediately.