Answers to your questions

FAQ of Fondsdepot Bank

Do you have any questions? We are happy to help! Find the answers to the most frequently asked questions about our products and services here.


Cover letter 2021 and 2022

Do you still have questions about our cover letter in connection with the contractual conditions of Fondsdepot Bank? You can find more information on this topic in our FAQ.
The letter also included information on the custody fee. Please note in this context that the custody fee is charged exclusively for cash accounts and not for securities accounts.

 Cover letter 2021 and 2022 

Banking Portal and InfoManager

With Fondsdepot Bank's Banking Portal, you can manage your securities accounts and cash accounts online, carry out transactions and keep an eye on your holdings. In addition, you can find all the important documents relating to your securities account in the InfoManager. Questions and answers on this can be found in our FAQ.

FAQ Banking Portal and InfoManager

Foreign exchange spread

In global foreign exchange trading, the spread is the difference between the rate at which a foreign currency is bought and sold. In our FAQ you will find questions and answers.

FAQ foreign exchange spread

E-Mail Encryption

To protect your data, we use the TLS 1.1 encryption standard in our e-mail transmissions. Here you will find answers to the most frequently asked questions about this encryption.

FAQ E-Mail Encryption

ex ante-disclosure of costs

Under the Securities Trading Act, providers of investment services are legally obliged to provide their customers with transaction and financial instrument-specific cost information prior to each transaction. Investors can therefore include the costs associated with the investment in their investment decision.

FAQ ex ante-disclosure of costs

ex post-disclosure of costs

According to the German Securities Trading Act (WpHG), providers of securities services are under the statutory obligation to provide their customers with an ex-post disclosure of costs of the prior-year reporting period at least once a year. This list provides every customer with a transparent overview of the costs and benefits actually associated with his investment.

FAQ ex post-disclosure of costs


Since the introduction of the new applicable Financial Services Act (FIDLEG), the conditions for the provision of financial services in Switzerland have been newly regulated. Fondsdepot Bank has reviewed the implementation of the resulting requirements and will cease providing financial services to Swiss customers at the end of the transitional period for the full implementation of the FIDLEG at the end of 2022. In our FAQ you will find questions and answers.


Fund in liquidation

An investment fund in liquidation is subject to a special taxation regime under the new Investment Tax Act (InvStG) in force since 1 January 2018. Further information can be found in our FAQ on funds in liquidation.

FAQ fund in liquidation

Gold custody account

Gold is the only currency that has retained its value over thousands of years. For many people it is therefore a perpetual guarantor of stability - which is why a gold investment is so interesting for your customers. Here you will find frequently asked questions and answers about our gold custody account.

FAQ gold custody account

Investment funds

Investment funds offer the possibility to invest in different assets. Further information about investment funds can be found here.

FAQ investment funds

Annual tax certificates

Under the following link you will find information on the year-end mailing and the tax certificate.

Information on year-end mailing 

Liquidity management tools

As of January 1, 2022, capital management companies can make use of the new liquidity management tools (swing pricing, redemption deadlines, redemption restrictions). These measures allow them to manage liquidity in a fund. Questions and answers on this can be found in our FAQ.

FAQ liquidity management tools

Rental deposit

One option for long-term investment of a rental deposit can be a rental deposit account. Especially due to the current low interest rate policy, this is more profitable than depositing the rental deposit in a savings account, for example. Here you will find questions and answers about the rental deposit.

FAQ rental desposit

Payment Services Directive 2 (PSD2)

As of 13 January 2018, the new Payment Services Directive (PSD2) was implemented in national law. On this page you will find questions and answers according to PSD2 and the resulting amendments for our customer.




Since 14 September 2019 our customer have the possibility to use pushTAN-proceeding. Read more about the procedure, installation and initialization of the pushTAN-App.

FAQ pushTAN-App

Increase in the saver's lump sum 2023

On January 1, 2023, the German government decided to increase the saver's lump sum. For single persons from € 801 to € 1,000 and for married couples/life partners assessed together from € 1,602 to € 2,000. This increase affects the exemption order for capital gains as well as the offsetting of losses across spouses/life partners (form: "Exemption order for capital gains and application for loss offsetting across spouses/life partners"). You can find out more about this in our FAQ.

FAQ Savers'  lump sum

Loss offsetting

On the basis of legal requirements, Fondsdepot Bank performs an annual review of all transactions or income entries made and calculates the taxes thus incurred. This annual assessment may result in a tax refund or claim. Questions and answers regarding this loss offset can be found in our FAQ.

 FAQ Loss offsetting

Custody fee


Fondsdepot Bank charges a custody fee on the balance of cash accounts held in euros. Questions and answers about the custody fee can be found at the following link.

FAQ Custody fee

VL fund deposit

Are you interested in investing your capital-forming benefits in a fund deposit?

FAQ VL fund deposit

Advance lump sum

According to the legislator, the custodian, i.e. the Fondsdepot Bank, has the obligation to collect the taxes due on the advance lump sum. We would like to make this process as transparent as possible.

FAQ advance lump sum

Further questions?

You still can't find the answers to your questions? Then send us an e-mail at info(at)