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Trade Republic Altersvorsorgedepot: costs, variants and terms

Trade Republic has announced 2 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): Standarddepot (product name not yet announced), Account for self-directed investors (product name not yet announced). This page lists everything Trade Republic has published about it so far, with the source and the time we retrieved it.

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Standarddepot (product name not yet announced)

StandarddepotSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)

Costs

Total cost p.a.: €0 – 'completely free of charge' according to the provider (no account or savings plan fee, product costs waived on dozens of ETFs)Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Account or contract fee: €0Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Refund of fund costs: Product costs waived 'long-term' on several dozen ETFs from BlackRock, DWS and VanguardSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Savings plan fee: €0Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)

Not yet published:Fund costs (TER)Front-end loadFee for purchases and salesDepends on pricing planCost of switching providerCosts in the payout phase

Investment

Who decides on the investment: managed (Standarddepot)Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)

Not yet published:Growth componentLow-risk componentInitial allocationShift before retirementInvestment choiceContribution guarantee

Contributions and switching

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsRiester transferAllowance application

Payout

Drawdown plan: Yes: up to 30% as a lump-sum payout, the rest monthly until at least age 85Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Withdrawal for owner-occupied property: Yes, early withdrawal for owner-occupied propertySource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)

Not yet published:Life annuity

Opening an account

Start: from 2027 (exact date not stated)Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Special features: Contributions of up to €6,840 per year possible (ETFs, government bonds, actively managed funds)Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)

Not yet published:How to sign upRequirementsCertification

Account for self-directed investors (product name not yet announced)

Self-directed accountSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)

Costs

Total cost p.a.: €0 – 'completely free of charge' according to the provider (no account or savings plan fee, product costs waived on dozens of ETFs)Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Account or contract fee: €0Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Fund costs (TER): depends on the fund selection; no product costs on dozens of ETFs from BlackRock, DWS and VanguardSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Refund of fund costs: Product costs waived 'long-term' on several dozen ETFs from BlackRock, DWS and VanguardSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Savings plan fee: €0Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)

Not yet published:Front-end loadFee for purchases and salesDepends on pricing planCost of switching providerCosts in the payout phase

Investment

Who decides on the investment: self-directed (Selbstentscheider)Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Investment choice: ETFs, government bonds and actively managed fundsSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)

Not yet published:Growth componentLow-risk componentInitial allocationShift before retirementContribution guarantee

Contributions and switching

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsRiester transferAllowance application

Payout

Drawdown plan: Yes: up to 30% as a lump-sum payout, the rest monthly until at least age 85Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Withdrawal for owner-occupied property: Yes, early withdrawal for owner-occupied propertySource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)

Not yet published:Life annuity

Opening an account

Start: from 2027 (exact date not stated)Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Special features: Contributions of up to €6,840 per year possible (ETFs, government bonds, actively managed funds)Source ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)

Not yet published:How to sign upRequirementsCertification

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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.