Debeka in the provider monitor

Altersvorsorgedepot at Debeka from 2027

confirmed

At Debeka the Altersvorsorgedepot is to be available from 1 January 2027. Riester contracts held with other providers are to be transferable into it by changing provider.

Provider type InsurerSurvey 4 November 2026Rolf Henning Hackel, Finanzexperte und Gründer von AVD VergleichVerified by Rolf Henning Hackel on 27 October 2026

What the commitment covers

Debeka runs a landing page of its own with a timeline. It is developing the offerings around the Altersvorsorgedepot so that customers can benefit at the launch on 1 January 2027. Two formulations on the same page sit in tension with each other.

“Wir entwickeln unsere Angebote” — we are developing our offerings — sounds like preparation and keeps a retreat open; the FAQ then speaks of “einem Altersvorsorgedepot der Debeka”, an Altersvorsorgedepot from Debeka, and that is a commitment. We went with the stronger evidence.

The note on switching matters in practice. Riester contracts from other providers are to be convertible into a Debeka Altersvorsorgedepot by changing provider. A board-level quote is missing. The evidence rests on the provider's own page alone, which we disclose above.

This page moved in August 2026. The earlier address ran as a landing page; since the move the content sits permanently in the Zukunft und Alter section, and the old address returns a 404 error. Nothing was lost in substance, including the timeline, the subsidy examples and the information service, which promises to tell you when you can start at Debeka.

We classify that as a pre-registration. Signing up for the information service leaves your address without a contract arising, and that is exactly what this level describes. Until 11 September 2026 this said product page, which was our misclassification. The page carries no date. We therefore check it in every round, and the review date above is the only date we can give for it.

The key facts

Does it offer an AVD?
Yes, confirmed
Planned launch
1 January 2027
Your contracting party
still open; the provider speaks of an Altersvorsorgedepot of its own but names no legal entity and no bank holding the securities account
Access for retail investors
Direct sign-up possible
Certified (BZSt)
No; certification is granted on application by the Federal Central Tax Office, before the first sale
Terms published
No, the provider has named no costs of its own so far. No binding price list has yet been published by any provider
How far along the offer is
pre-registration available
Riester transfer
possible; the FAQ names the transfer into the new system, the transfer from another company is no longer stated there
Payout no earlier than
65 to 70 years
Drawdown plan at least until
85 years
Provider website

About Debeka

Debeka is based in Koblenz. It is organised as a mutual insurance association and therefore belongs to its members; it is traditionally strong in the public sector, with a focus on health and life insurance. Home-loan savings and retirement products are also offered.

Questions and answers

Does Debeka offer an Altersvorsorgedepot?
Yes. Evidence: the provider's website. The wording and our verification date are at the top of this page.
What has Debeka 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 Debeka?
The product is described, the price is not. Only the schedule of fees that follows certification turns a statement into a price.

Evidence & source

Every status here is tied to a source. Origin and date are public; the full reference sits in our working table.

Evidence for the status “confirmed”
provider website · last verified by us on 27 October 2026 „Wir entwickeln unsere Angebote rund um das Altersvorsorgedepot, damit Sie zum Start am 1. Januar 2027 … profitieren können.“

Other insurers in the monitor

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.

Debeka: status “confirmed” on the Altersvorsorgedepot from 1 January 2027, AVD provider monitor, as of 4 November 2026, this provider last verified 27 October 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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