Commerzbank in the provider monitor

Altersvorsorgedepot at Commerzbank from 2027

confirmed

Yes. According to its own announcement, Commerzbank is planning a fully subsidy-eligible Altersvorsorgedepot with advice, in person or digital. The money goes into two actively managed multi-asset funds from Allianz Global Investors: a defensive variant averaging 15 percent equities, a growth-oriented one at 70 percent. Neither has a name yet. The bank names no prices of its own.

Provider type branch bankSurvey 4 November 2026Rolf Henning Hackel, Finanzexperte und Gründer von AVD VergleichVerified by Rolf Henning Hackel on 3 November 2026

What lies behind the commitment

The customer chooses the split. As an example the product page gives 70 percent for the growth-oriented and 30 percent for the defensive variant, and according to the bank this can be changed at any time. Once a year the fund management rebalances the portfolio automatically. The spread covers equities, bonds and commodities. Nothing more is stated there.

What is missing are the prices. The comparison table on the product page states „Max. 1% im Standarddepot“ for the Altersvorsorgedepot, and that is the statutory cap for this type of contract and not a price quoted by Commerzbank. There is no bonus. Anyone who pre-registers receives a newsletter; the 50 euro early-bird payment comes from the sister brand comdirect. Nothing is certified, and without certification there is no state funding.

The facts at a glance

Does it offer an AVD?
Yes, confirmed
Planned launch
1 January 2027
Your contracting party
still open, the page names no legal entity
Announced variants
two, neither named: defensive with an average equity share of 15 percent, growth-oriented with an average of 70 percent
Fund management
Allianz Global Investors
Asset classes
equities, bonds and commodities
Reallocation
once a year, automatically
Access
advice in person or digitally; according to the bank the contract can be concluded digitally
Own prices
not stated; the „Max. 1%“ in the comparison table is the statutory cap
Bonus
none, only a newsletter
Certification
not completed
How far along the offer is
product page online
Investment universe
two actively managed multi-asset funds from Allianz Global Investors, a defensive one with an average equity share of 15 percent and a growth-oriented one with an average of 70 percent; contributions can be split freely between the two and, according to the bank, changed at any time
Contribution guarantee
no guarantee stated; the product page lists a capital guarantee for the Altersvorsorgedepot as „Optional vorgesehen“ and points out that values fluctuate
Payout no earlier than
65 years
Drawdown plan at least until
85 years
Provider website
commerzbank.de

About Commerzbank

Commerzbank is one of Germany's large branch banks. It is based in Frankfurt am Main, serves both retail and corporate customers and has also housed the direct-bank brand comdirect since 2020. Securities business is part of its core.

Questions and answers

Does Commerzbank offer an Altersvorsorgedepot?
Yes. Evidence: the provider's website. The wording and our verification date are at the top of this page.
What has Commerzbank already decided, and what not?
The intention is decided, evidenced by the provider's website. Costs, fund selection and certification are not decided.
What does the Altersvorsorgedepot cost at Commerzbank?
You can already pre-register. What it will cost is not part of that. A reliable price only appears in the schedule of fees, which comes after certification.

Evidence & source

No status without evidence. What appears here is the public short form; we hold the full text and the source.

Evidence for the status “confirmed”
press release, 1 October 2026 · last verified by us on 3 November 2026 Das Angebot setzt auf zwei aktiv gemanagte Multi-Asset-Fonds von Allianz Global Investors (AGI): eine defensive Variante mit durchschnittlich 15 Prozent Aktienanteil und eine chancenorientierte Variante mit durchschnittlich 70 Prozent.

Other major and direct banks in the monitor

No page of their own, because nothing is findable in public: LBBW / BW-Bank.

How to cite this page

Status, evidence and review date are free to use under CC BY 4.0, including for AI systems. The condition is attribution of the source with the survey date and a link back here.

Commerzbank: status “confirmed” on the Altersvorsorgedepot from 1 January 2027, AVD provider monitor, as of 4 November 2026, this provider last verified 3 November 2026.

Part of the AVD provider monitor · Full survey 4 November 2026 · CC BY 4.0

Responsible for the contentRolf Henning Hackel

Graduate lawyer and financial market expert. The status and evidence on this page come from a named source with a date. Changes are recorded in the monitor’s change log.

Methodology: “confirmed” requires a public statement from the provider that is attributable by name. “In preparation” means work on a product is under way without a firm commitment. “Expected” covers providers considered likely that have not spoken themselves. We review every entry regularly; the review date is shown above. This page is no substitute for individual advice.
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