"Fondsdepot Bank FAQ"

Any questions? We will be pleased to assist you!

This section features answers to frequently asked questions about our products and services.

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

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

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

Retrieval of estimates

In accordance with a letter from the Federal Ministry of Finance dated 8 November 2017 (AZ IV C 1 - S 1980-1/16/10010 :010), investment companies may retain estimates. Questions and answers regarding the retention of valuations can be found under the following link.

FAQ retrieval of estimates

Capital formation benefits (CFB) fund account

You are interested in investing your capital formation benefit in a fund account? On this page you will find questions and answers according to the capital formation benefits fund account.

FAQ CFB fund account

Pre-set standard tax base

In this section, we answer frequently asked questions concerning the "pre-set standard tax base" and its taxation. The objective is to provide an understanding of the tax regulations and to let the investment account holders know that the pre-set standard tax base may be subject to taxation at the beginning of a year.

FAQ pre-set standard tax base

Unable to find answers to your questions? Simply send an e-mail to info(at)fondsdepotbank.de.