Altersvorsorgedepot at Targobank from 2027

What the commitment covers

As of today it is on a page of its own. Targobank said nothing about the Altersvorsorgedepot for months, and we therefore carried it as not yet confirmed. The product page in the Vermögen section now says that from January 2027 the securities account can be opened through the new TARGOBANK Altersvorsorge-App and managed digitally.

The institution names two variants. The Standarddepot follows the statutory requirement, while the Flexdepot, by its own description, offers a considerably wider choice of securities and so resembles a free-choice securities account. Alongside this comes the sentence that Targobank will offer both product types.

On price it stays vague, and it says so itself. Costs have not yet been set at present and therefore could not be taken into account in the model calculation. Alongside this comes the announcement that the fees could be kept well below what is usual for Riester products. That is a direction and not a figure.

The key facts

About Targobank

Targobank is based in Düsseldorf and belongs to the French Crédit Mutuel group. It serves private and business customers in branches and digitally, with a focus on current accounts, lending and investing. It runs securities accounts itself.

Evidence & source

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