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Commerzbank Altersvorsorgedepot: costs, variants and terms

Commerzbank has announced one product for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): Commerzbank: product name not yet published. This page lists everything Commerzbank has published about it so far, with the source and the time we retrieved it.

Commerzbank website ↗Compare all providers

Before launch

Early registration: ReservationSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)

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Commerzbank: product name not yet published

Variant not announced

Costs

Not yet published:Total cost p.a.Account or contract feeFund costs (TER)Refund of fund costsFront-end loadSavings plan feeFee for purchases and salesDepends on pricing planCost of switching providerCosts in the payout phase

Investment

Growth component: growth-oriented active multi-asset fund from Allianz Global Investors, avg. 70% equities (name/ISIN not yet published)announcedSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)
Low-risk component: defensive active multi-asset fund from Allianz Global Investors, avg. 15% equities (name/ISIN not yet published)announcedSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)
Initial allocation: adjusted to age and saving periodannouncedSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)
Shift before retirement: Adjusted to age and savings period, automatic rebalancing once a yearannouncedSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)

Not yet published:Who decides on the investmentInvestment choiceContribution guarantee

Contributions and switching

Minimum contribution: €120 per year (€10 per month, minimum contribution for the subsidy)Source ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)
Lump-sum payments: Savings plan or lump-sum paymentSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)
Pausing contributions: Yes, increase, reduce or pause contributionsSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)

Not yet published:Riester transferAllowance application

Payout

Drawdown plan: up to 30% as a lump sum, the rest monthly (e.g. to at least 85)Source ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)
Withdrawal for owner-occupied property: withdrawal for owner-occupied property without losing the subsidy (statutory)Source ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)

Not yet published:Life annuity

Opening an account

How to sign up: with personal or digital advice; digital sign-up possibleannouncedSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)
Start: at the subsidy start in 2027announcedSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)
Special features: Contributions are invested immediately; active management instead of ETFsannouncedSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)

Not yet published:RequirementsCertification

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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: 21 October 2026.