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.
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.
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.
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.
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.
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.
Investment funds offer the possibility to invest in different assets. Further information about investment funds can be found here.
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.
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.
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.
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.
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.
Unable to find answers to your questions? Simply send an e-mail to info(at)fondsdepotbank.de.