Provider comparisons

Neutral, criteria-based comparisons of German securities accounts: costs today and readiness for the state-subsidised Altersvorsorgedepot from 2027. All ratings are independent and based on disclosed criteria (as at 22 June 2026).

Illustration zum Vergleich von Altersvorsorgedepot-Anbietern und Wertpapierdepots

Best Altersvorsorgedepot providers compared 2026

8 providers · last checked 22 June 2026

Illustration: Depot bei einer Bank oder online eröffnen und Depotführungsgebühren vergleichen

Account management fees compared: which account is genuinely free?

8 providers · last checked 22 June 2026

Illustration: ETF-Sparplan im Altersvorsorgedepot und seine laufenden Kosten

Savings-plan costs compared: where ETF savings plans are genuinely €0

8 providers · last checked 22 June 2026

Illustration: Kosten und Gebühren beim Kauf von Wertpapieren im Depot

Order fees compared: what a €1,000 order genuinely costs

8 providers · last checked 22 June 2026

Illustration: Zinsen auf das Verrechnungskonto und nicht investiertes Cash im Depot

Interest on the settlement account: where your cash in the account earns interest

8 providers · last checked 22 June 2026

How we compare: every rating is based on publicly available terms, checked against the provider's official pricing page, and scored against fixed anchors on a 0–10 scale. No paid placement.

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.

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: 15 July 2026.