Direct bank1 product

DKB Altersvorsorgedepot: costs, variants and terms

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

DKB website ↗Compare all providers

Before launch

Early registration: ReservationSource ↗ · retrieved 21 October 2026 at 13:12 (Berlin time)

Not sure which account fits you?

A free, no-obligation conversation with an independent adviser.

DKB: 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

Investment choice: selected ETFs (not yet named)Source ↗ · retrieved 21 October 2026 at 13:12 (Berlin time)
Contribution guarantee: no guaranteeSource ↗ · retrieved 21 October 2026 at 13:12 (Berlin time)

Not yet published:Who decides on the investmentGrowth componentLow-risk componentInitial allocationShift before retirement

Contributions and switching

Riester transfer: Yes, transfer of Riester savings via DKB-Banking from January 2027Source ↗ · retrieved 21 October 2026 at 13:12 (Berlin time)

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: Drawdown plan (up to 30% lump-sum withdrawal, remainder until at least 85)announcedSource ↗ · retrieved 21 October 2026 at 13:12 (Berlin time)
Withdrawal for owner-occupied property: withdrawal for owner-occupied property without losing the subsidy (statutory)announcedSource ↗ · retrieved 21 October 2026 at 13:12 (Berlin time)

Not yet published:Life annuity

Opening an account

How to sign up: online via DKB-BankingannouncedSource ↗ · retrieved 21 October 2026 at 13:12 (Berlin time)
Start: January 2027 (from 1 January 2027)Source ↗ · retrieved 21 October 2026 at 13:12 (Berlin time)
Special features: Savings amount and risk orientation adjustable until payoutSource ↗ · retrieved 21 October 2026 at 13:12 (Berlin time)

Not yet published:RequirementsCertification

More providers: Direct bank

Not sure which account fits you?

Get free, independent advice. We'll help you find the right account and the right path into the Altersvorsorgedepot from 2027.

Free and without obligation.

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.