Offset Disposionskredit

[Ask1991]

Hello

I happened to transfer the amount of money more than I have in Comdirect Depotkonto to another my bank account. Now the Comdirect Depotkonto is -100. 

I think this is something called Disposionskredit and the I'll be charged the interest.

How can I return this minus credit? Just transfer the money back and it's done?

Thank you

[Necoro]

If you actually have a Dispositionskredit (needs to be requested explicitly), interest is 6.5% p.a. If you don't, it's the "geduldete Kontenüberziehung" with 11% interest p.a.

So the easiest way is to transfer back the 100 EUR plus some buffer for the interest (2-3 cts per day, so a couple of Euros should be fine).

The interest will be deducted with the end of the quarter (end of month? @Social-Media-Team ?), so thereafter you can re-transfer the remaining buffer.

[SMT_Erik]

Hello @Ask1991,

unfortunately we offer our support and services in German only. So to avoid misunderstandings we will answer your question in German but feel free to reply in English.

Vielen Dank an @Necoro für seine Erläuterungen zum Dispositionskredit. Die Abrechnung der Überziehungszinsen erfolgt bei uns immer zum Ende eines Quartals.

Gruß

Erik

[Ask1991]

Servus! thank you very much always for your tipps! 

So I have just transferred back like 150EUR to Comdirect Girokonto.

I guess I just need to let them stay in Comdirect Girokonto and small amount of interests like few cents will be deducted after a few weeks then all settled?

Thank you very much!

[Ask1991]

Servus @SMT_Erik !

Thank you! I think as @Necoro already explained above, I just need to transfer back like 150EUR to Comdirect Girokont then let them stay in Comdirect Girokonto, and the interests like few cents will be deducted after a few weeks then all settled?

Thank you very much!

[Necoro]

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@Ask1991  schrieb:

Thank you! I think as @Necoro already explained above, I just need to transfer back like 150EUR to Comdirect Girokont then let them stay in Comdirect Girokonto, and the interests like few cents will be deducted after

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105 EUR are probably also enough, depending on how long you have "überzogen" your account.

[Zilch]

Wait until January 2021. You'll have a billing for your interests to pay quarterly, so you need to wait until this current quarter is over.

I paid a couple of cents last time in interests, so if you transfered back fast enough we're talking about cents. Transfer 105€, it'll rebalance your account immediately to +5€, and in January you will get billed for interests. After that feel free to take the rest back 🙂