FNZ Bank in the provider monitor

Altersvorsorgedepot at FNZ Bank from 2027

confirmed

FNZ Bank wants to launch in 2027 together with its partners and provides the securities account infrastructure for it. That is not a retail product of its own.

Provider type B2B direct bankSurvey 4 November 2026Rolf Henning Hackel, Finanzexperte und Gründer von AVD VergleichVerified by Rolf Henning Hackel on 3 November 2026

The commitment in detail

Well into August we found nothing on the Altersvorsorgedepot on FNZ Bank's own site. There was only a piece of sales information dated 3 July. It presented product concepts to brokers in two webinars but settled nothing. That is not enough for a status. It became a note instead.

That has changed. At fnz.de there is now a section of its own on retirement provision, and there the provider commits itself. The sales launch is planned for January 2027 at FNZ Bank SE as well. Chief Sales Officer Jürgen Lohmüller is quoted saying that together with its sales partners it is creating the conditions for an attractive and cost-efficient offering in the market.

The mistake was ours. We were watching the wrong address. fnz.com is the international group site and carries nothing on the subject; the German bank sits at fnz.de. That is why the status only changes today and not earlier.

The bank names no costs. The 0.20% transaction charge and €56 custody fee named on the page belong expressly to the existing investment depot and not to the subsidised product. The product names circulating among brokers appear on no page of the bank either. So we do not list them.

The facts at a glance

Does it offer an AVD?
Yes, confirmed
Your contracting party
still open, the provider names no contracting party
Access for retail investors
Through sales partners only
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
product page online

About FNZ Bank

FNZ Bank launched in 2002 as ebase, is based in Munich and today belongs wholly to Britain's FNZ Group. As a B2B direct bank it serves around 400 cooperation partners with more than two million end customers. fintego is not a company in its own right but a brand of this bank, which is both the discretionary manager and the institution holding the securities account there.

Answered briefly

Does FNZ Bank offer an Altersvorsorgedepot?
Not yet committed. FNZ Bank states that it is creating the conditions for a 2027 launch together with its partners. Evidence: the provider's website, 1 September 2026. For a yes we require the statement that an offering will actually be made.
Can I approach them directly as a retail investor?
No. The product concepts were presented in two webinars for brokers, not for retail customers. The offering reaches you through a partner. Nothing goes directly.
How can I tell that FNZ Bank is behind it?
Most reliably from who is named in the contract as the custodian. The brand you sign up with is a different one. If in doubt, ask.
What does it cost?
The product page describes the offering but names no fee. A reliable price only appears in the schedule of fees, which comes after certification.

Where the information comes from

We show what the status rests on, with the type of source and the date. We keep the deep link internally so that the statement is still evidenced even when the page disappears at the provider.

Evidence for the status “confirmed”
provider website, 1 September 2026 · last verified by us on 3 November 2026 „Vertriebsstart auch bei der FNZ Bank SE ist im Januar 2027 vorgesehen."

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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.

FNZ Bank: 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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