Altersvorsorgedepot at Deutsche Bank from 2027
On 28 September 2026 Deutsche Bank committed in its own release to offering one from 1 January 2027, and named prices with it.
What does the Altersvorsorgedepot cost at Deutsche Bank?
The price has two parts. The two ETFs cost 0.10 percent a year, the contract costs 0.18 percent. For the first two years after signing the contract fee is not charged, so the 0.10 percent is what remains. From the third year the provider names 0.28 percent for both.
More
- Securities account
- “0.18% a year contract fee, not charged for the first two years after signing; from the third year the provider names 0.28% a year for both together”
- Order
- “not stated; for the DWS products the release names „possible transaction costs“ that can vary from year to year”
- ETFs/funds
- “0.10% a year, which is the cost of the two ETFs; for the first two years after signing that is the whole price”
- DWS Standarddepot
- Contract fee, not charged for the first two years after signing. Together with the ETF costs the provider then names 0.28%. Cost of the two ETFs. Digital only, without advice, through Deutsche Bank.
- DWS Altersvorsorgedepot
- not available yet, planned „im Laufe des Jahres 2027“ — during 2027; digitally and through in-person advice at Deutsche Bank and Postbank.
For the advice-based securities account a different figure applies: 0.99 percent a year, and the offer is only planned „im Laufe des Jahres 2027“ — during 2027. On top come „mögliche Transaktionskosten“ on the DWS products, possible transaction costs that can vary from year to year. There is no figure for them.
What the commitment covers
On 28 September 2026 the topic page turned into an offering. Deutsche Bank commits to starting on 1 January 2027 and names three components: the digital standard securities account from DWS, an advised securities account from the same subsidiary, and insurance products from Zurich. The prices for the first two are on its own product page.
Two screens further down the page almost contradicts itself. It answers the question “Was kostet das Altersvorsorgedepot?” with nothing but the statutory cap of 1.0 percent and the sentence that the actual costs depend on the provider — although the provider here is itself, and its own figure stands further up. The section for everyone who does not want to wait still leads to today's existing products.
Which products Deutsche Bank has announced
Three offers, of which one counts today. The DWS Standarddepot meets the statutory requirements, mixes two securities and is available digitally only. An advice-based securities account with a wider choice is to follow; the release names no date for it.
The third building block is insurance offers created with Zurich, with and without guarantees and with a lifelong annuity. A cost figure for them is missing. Signing up runs digitally, by telephone and in the branch; who the contracting party will be, the provider does not say.
The key facts
Questions and answers
Does Deutsche Bank offer an Altersvorsorgedepot?
Should I transfer my Riester contract there?
Does the advice-based securities account arrive on 1 January?
Are the 0.10 percent the permanent price?
What is the contract fee of 0.18 percent?
Evidence & source
Every status here is tied to a source. Origin and date are public; the full reference sits in our working table.
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.
Deutsche Bank: status “confirmed” on the Altersvorsorgedepot from 1 January 2027, AVD provider monitor, as of 13 November 2026, this provider last verified 3 November 2026.
Part of the AVD provider monitor · Full survey 13 November 2026 · CC BY 4.0