European Bank for Financial Services GmbH (ebase) products, services and reviews

About European Bank for Financial Services GmbH (ebase)

European Bank for Financial Services GmbH (ebase), headquartered in Aschheim, Germany, is a BaFin-supervised bank that operates primarily as a custody and investment platform for intermediaries, insurers, and asset managers. Owned by the FNZ Group, it follows a B2B2C model in which end clients usually access accounts via advisors, distribution partners, or white‑label portals rather than directly. Core activities include opening and administering securities and settlement cash accounts, custody and execution for mutual funds and ETFs, processing of savings plans (including VL schemes), support for retirement wrappers, and provision of tax reporting and corporate action handling under German law. Product scope, service standards, and pricing are set largely by the respective partner, so custody fees, order costs, savings plan charges, and account maintenance terms vary by distribution channel. The bank provides digital onboarding (including video identification), online access for clients, and data interfaces and APIs for partners, enabling integration with robo‑advisory and model portfolio solutions. ebase is subject to German investor protection rules; deposits in cash accounts fall under the statutory deposit guarantee scheme, and client securities are held as segregated assets. The institution is focused on intermediated investment flows rather than broad retail banking, with no branch network and limited standalone direct offerings. For investors, the experience—available instruments, order routing, reporting formats, and service contacts—depends on the chosen partner. As with any custody relationship, users should review the partner’s fee schedule, order execution policy, treatment of corporate actions and distributions, and the handling of taxes, cash interest, and third‑party product costs.