Fondsdepot Bank GmbH products, services and reviews

About Fondsdepot Bank GmbH

Fondsdepot Bank GmbH is a German custodian and transaction bank focused on the safekeeping and administration of investment funds for distribution partners rather than direct retail acquisition. Headquartered in Hof (Bavaria), it operates a B2B2C model in which custody accounts are typically opened and maintained via financial advisors, brokers, asset managers, insurance companies, and other institutions that use white-label or outsourcing solutions. The bank’s core services include custody of mutual funds and, depending on the partner model, ETFs and fund savings plans; order placement and settlement with fund companies at forward pricing; processing of corporate actions and distributions; German tax withholding and reporting (including annual tax certificates); and provision of regulatory documents and client reporting under applicable EU and German rules. End clients access portfolios through an online portal with strong customer authentication aligned to PSD2, while many front-end processes and service interactions are handled by the respective distribution partner. Pricing is set by partner tariffs and generally consists of custody fees, transaction charges, and third-party costs; whether retrocessions are retained or rebated depends on the partner agreement. The institution is a licensed credit institution supervised by BaFin and the Deutsche Bundesbank. Cash balances in settlement accounts are covered by Germany’s statutory deposit guarantee scheme (EdB) up to the legal limit per depositor, while securities are held in custody and segregated under German law and are not part of a bank’s insolvency estate. The platform does not function as a universal bank for everyday payments or lending and is oriented to investment custody and processing; product scope, minimums, and service levels vary by partner and tariff.