Neobroker2 products

Bitpanda Altersvorsorgedepot: costs, variants and terms

Bitpanda has announced 2 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): Bitpanda Vorsorge Standard, Bitpanda Vorsorge Flex. This page lists everything Bitpanda has published about it so far, with the source and the time we retrieved it.

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Before launch

Early registration: Waiting listSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

Promotion: Bitpanda Vorsorgebonus: up to €75 in e-money (€10 per campaign month over 5 months + €25 early-bird bonus for joining the waiting list); at least €50 a month in ETFs in the AVD account; first 10,000 participants onlySource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

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Bitpanda Vorsorge Standard

StandarddepotSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

Costs

Total cost p.a.: Account, savings plan and order fees €0; ETF costs (TER) 0% in 2027, 2028 and 2029, then product-specific TERSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Account or contract fee: €0Source ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Fund costs (TER): 0% in 2027, 2028 and 2029; after that the product-specific ongoing costs (TER) applySource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Refund of fund costs: TER 0% in 2027, 2028 and 2029, then product-specific TER; the page does not say whether it is waived or refundedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Savings plan fee: €0Source ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Fee for purchases and sales: €0Source ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

Not yet published:Front-end loadDepends on pricing planCost of switching providerCosts in the payout phase

Investment

Who decides on the investment: managed (two pre-selected ETFs)announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Investment choice: two pre-selected ETFs (names/ISINs not stated)announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Contribution guarantee: no return guaranteed, loss of the capital invested possible (contribution guarantee not mentioned)announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

Not yet published:Growth componentLow-risk componentInitial allocationShift before retirement

Contributions and switching

Minimum contribution: At least €120 own contribution a year for the allowances; maximum annual payment €6,840 (product minimum instalment not stated)announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Riester transfer: Transfer of existing Riester contracts into the Bitpanda Altersvorsorgedepot is planned; subsidies already received are keptannouncedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: Payout phase from age 65–70; up to 30% as a one-off sum at the start, the rest monthly until at least age 85announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

Not yet published:Life annuityWithdrawal for owner-occupied property

Opening an account

How to sign up: online via Bitpanda (app)announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Requirements: Residence in Germany and eligibility for the subsidyannouncedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Start: Launch 2027 (planned); exact date not statedannouncedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Special features: Execution-only (no investment advice); Bitpanda Vorsorgebonus up to €75 (see promotion)announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

Not yet published:Certification

Bitpanda Vorsorge Flex

Self-directed accountSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

Costs

Total cost p.a.: Account and savings plan execution €0; buying/selling €0 with Select partners, otherwise €1; ETF costs depend on the product (TER)Source ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Account or contract fee: €0Source ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Fund costs (TER): depends on the product (TER)Source ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Savings plan fee: €0Source ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Fee for purchases and sales: €0 with Select partners, otherwise €1Source ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

Not yet published:Refund of fund costsFront-end loadDepends on pricing planCost of switching providerCosts in the payout phase

Investment

Who decides on the investment: self-directed (customer chooses the ETFs)announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Investment choice: free choice of ETFs by the customer (number and list not stated)announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Contribution guarantee: no return guaranteed, loss of the capital invested possible (contribution guarantee not mentioned)announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

Not yet published:Growth componentLow-risk componentInitial allocationShift before retirement

Contributions and switching

Minimum contribution: At least €120 own contribution a year for the allowances; maximum annual payment €6,840 (product minimum instalment not stated)announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Riester transfer: Transfer of existing Riester contracts into the Bitpanda Altersvorsorgedepot is planned; subsidies already received are keptannouncedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: Payout phase from age 65–70; up to 30% as a one-off sum at the start, the rest monthly until at least age 85announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

Not yet published:Life annuityWithdrawal for owner-occupied property

Opening an account

How to sign up: online via Bitpanda (app)announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Requirements: Residence in Germany and eligibility for the subsidyannouncedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Start: Launch 2027 (planned); exact date not statedannouncedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)
Special features: Execution-only (no investment advice); Bitpanda Vorsorgebonus up to €75 (see promotion)announcedSource ↗ · retrieved 3 November 2026 at 10:59 (Berlin time)

Not yet published:Certification

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Legal notice

This article is for general information and reflects the position at the time of publication. It does not constitute investment advice, investment brokerage, tax advice or legal advice.

The study results, scenarios, model calculations and diagnostic questions presented here are no substitute for an assessment of your personal circumstances. Whether a retirement product suits you, and whether changing an existing Riester contract is advantageous, depends on your individual contract terms, financial goals and personal situation.

Depending on the product and the subject of the advice, different regulatory permissions may be required, for example under § 34d, § 34f or § 34h GewO. Capital investments carry risk. Past performance is not a reliable indicator of future results.

We cannot guarantee that the information on this page is current, accurate or complete. You will find all up-to-date product and price information on the respective providers' own websites. You can see how we award points for each individual condition in our scoring overview. We highlight the highest-scoring providers as top recommendations at the start of the page.

English translation: This is a convenience translation. Vorsorgedepot-Lotse is a German provider and the German version of this page is the legally binding text; in the event of any discrepancy, the German wording prevails. View the German version.

As at: 03 November 2026.