Buy Bitcoin with Comdirect

[✓] last verified 2026-01-28·Reviewed by BankToBTC Team

Data from bank docs & BaFin registers · How we verify · Report an error

Allows crypto transfers.

Crypto Compatibility Score: 82/100 (Excellent)

Score Breakdown:

  • Payment methods: 30/35 pts — fast deposit rails available
  • Bank transfer reliability: 23/25 pts
  • Limits: 12/20 pts
  • Cost: 10/10 pts
  • Evidence: 7/10 pts

Supported payment methods: sepa, sepa-instant

Last verified:

Quick Verdict

Comdirect doesn't offer crypto but supports SEPA Instant for fast exchange funding. New recipients require photoTAN confirmation.

  • [✗]

    Can you buy Bitcoin in the app?

    No, use an external exchange

  • [✓]

    Can you fund an exchange?

    Yes, using SEPA Instant

  • [›]

    Best funding method

    SEPA Instant

  • [!]

    Potential issue

    photoTAN required for new recipients

Top Exchanges for Comdirect

Step-by-step guide to buying Bitcoin with Comdirect

Most comdirect users buy Bitcoin by funding a BaFin licensed exchange using SEPA Ãœberweisung and the correct Verwendungszweck. Here is how to get started.

  1. Pick a BaFin-licensed exchange
    Use a BaFin-licensed provider for smoother EUR deposits.
  2. Create your exchange account
    Register and enable two factor authentication.
  3. Complete identity verification
    Verify identity to enable deposits.
  4. Copy SEPA details and Verwendungszweck
    Copy IBAN, BIC, and Verwendungszweck from the exchange SEPA deposit screen.
  5. Send the transfer in the comdirect app
    Open the comdirect app, go to Ueberweisung, add the Empfänger, and approve with photoTAN; enter the Verwendungszweck exactly to avoid delays.
  6. Wait for funds to arrive
    SEPA Instant can be seconds if available; standard SEPA is often 1 business day with possible first transfer delays.
  7. Purchase Bitcoin
    Buy BTC once your EUR is credited.
  8. Secure your Bitcoin
    Withdraw to a wallet if holding long term.

[!] Troubleshooting

  • If your first SEPA transfer is blocked, check photoTAN approval and confirm the new recipient was fully added.
  • If SEPA Instant fails, retry as standard SEPA since not all exchange banks accept Instant inbound.
  • If the reference field is truncated, shorten it but keep the unique reference code intact.

Frequently Asked Questions

Can I buy Bitcoin with comdirect?

Yes. comdirect does not sell Bitcoin directly in its banking and brokerage interface, but it is a popular SEPA funding bank for exchanges. Transfers are approved with photoTAN, and many users prefer SEPA Instant where the deposit method supports it. For a German EUR venue, some customers use BSDEX for bank transfer funding.

How do I avoid a rejected SEPA deposit when sending from comdirect to an exchange?

Use the exact reference and beneficiary format shown on the deposit screen. If the platform provides a structured reference, paste it exactly and avoid adding your own notes. If the IBAN and reference match, the deposit is far more likely to credit without manual work.

Does comdirect offer Echtzeit Ueberweisung and do exchanges accept it?

comdirect can support real time style transfers, but the receiving account must support SEPA Instant for that deposit method. If the platform does not show Instant as an option, you will be on standard SEPA. When Instant is supported, it can credit much faster than standard rails.

Where can I see comdirect Ueberweisungslimits before a larger crypto deposit?

comdirect lets you view and adjust transfer limits inside account settings. If you plan to fund over multiple transfers, check the daily limit first so the second transfer does not fail. Limit changes require the usual strong authentication.

Why does comdirect ask for extra confirmation when I add a new exchange Empfaenger?

Adding a new recipient can require an extra photoTAN approval step, and the first outgoing transfer can be screened more tightly than later ones. That is standard fraud control, not a crypto-only ban. A small test payment often clears the path for the main transfer.

comdirect card payment vs SEPA transfer for crypto, which is more stable?

SEPA transfer is more stable. Card deposits can fail due to issuer checks and merchant coding, while SEPA has explicit IBAN and reference rules and a clearer audit trail. If you want fewer surprises, use SEPA.

Evidence & Verification

This page references 4 sources: comdirect photoTAN, Bitpanda SEPA Reference, Verbraucherzentrale Instant Payments. Information was compiled from official sources and user reports.

Sources:

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Information can change without notice. Always verify current policies directly with your bank and exchange before making transactions.