I've been a customer for more than five years, using the free current account with a combined…read moregirocard/V-Pay card and a Visa charge card. The Visa charge card allows for free cash withdrawals worldwide (except Germany where ATMs of Cash Group are to be used with the girocard instead). The account comes with a handy online tool that displays your expenses in a pie chart, sorted by category.
Unfortunately they've increased the foreign currency fee for Visa transactions . As I often visit Poland, the UK and Switzerland, the card is not very attractive to me anymore. Consors Visa has a 0% foreign transaction fee, netbank cards have 1%.
I'll probably still keep this account though, as it allows for free paying in cash at Commerzbank locations. Also the comdirect account supports giropay which most other banks' don't. Balance and recent transactions can be looked up by means of FinTS/HBCI compatible apps.