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1822direkt Securities Depot: Trading Fees, Transfers, Authentication and Frankfurter Sparkasse

1822direkt’s securities service is supplied through Frankfurter Sparkasse, with 1822direkt Gesellschaft der Frankfurter Sparkasse mbH providing the direct-banking service brand. Custody is free in the published schedule, but domestic and foreign dealing minima, venue expenses and ETF-plan minimum charges materially affect small investments.

By FXBrokers ResearchOperating status: ActiveSources checked 27 Oct 2026Published 26 Oct 2026 · 10:28 GMT+0000Updated 27 Oct 2026 · 12:48 GMT+0000

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Profile scope

Public-document research checked 27 October 2026. Product, account and entity scope is specified alongside the relevant terms.

Domestic orders cost €4.90 plus 0.25%, minimum €9.90 and maximum €54.90 before venue/external costs.
Foreign orders use a €14.90 base and €19.90 minimum, rather than the domestic base.
ETF plans start at €25; standard execution is 1.50%, minimum €1.50 and maximum €14.90.
A free incoming transfer service can still pass through third-party custody charges; acquisition and loss-bucket records require attention.

Accounts and eligibility

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Account comparison01

Bank and service-company distinction

Bank and service-company distinction
Item	Details
Bank account provider	Frankfurter Sparkasse.Source 4 Source 7
Direct service company	1822direkt Gesellschaft der Frankfurter Sparkasse mbH.Source 4 Source 7
Protection consequence	The direct-banking brand does not create a separate bank-deposit guarantee limit.Source 4 Source 7

Account comparison02

Starting to trade

Starting to trade
Item	Details
Access	Credentials received and depot visible in online banking.Source 5
Cash	Enough available cash in the settlement account.Source 5
Application versus readiness	Submitting an application alone does not establish immediate trading access.Source 5

Account comparison03

Adult and junior service

Adult and junior service
Item	Details
Ordinary depot	Self-directed securities custody and dealing.Source 2
Junior depot	Separate product for minors through the required legal-representative process.Source 2
Managed service	The separately presented bevestor service has a different management relationship.Source 2

View full spreads & trading costs

Products and market access

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Specifications04

Securities and savings range

Securities and savings range
Item	Details
Investments	Shares, bonds, funds, ETFs and supported certificates.Source 2 Source 3
ETF plans	The current page advertises about 2,400 eligible ETFs.Source 2 Source 3
Catalogue figures	Ranges can change; eligibility is determined in the current instrument/service selection.Source 2 Source 3

Trading and holding costs

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Pricing & charges05

Domestic commission

Domestic commission
Item	Details
Formula	€4.90 + 0.25% of value.Source 1
Minimum	€9.90.Source 1
Maximum	€54.90 for the stated broker component.Source 1
Venue cost	Separate €2.95 venue fee in the relevant category; waived in direct dealing.Source 1

Pricing & charges06

Foreign commission

Foreign commission
Item	Details
Formula	€14.90 + 0.25%.Source 1
Minimum	€19.90.Source 1
Maximum	€54.90 for the stated component.Source 1
Additional charges	Relevant venue, foreign-market and FX costs remain separate.Source 1

Pricing & charges07

Frequent-trader discounts

Frequent-trader discounts
Item	Details
50 qualifying trades per half-year	10% under the stated activity schedule.Source 1
100 qualifying trades per half-year	20%.Source 1
Scope	Apply the tariff’s eligible commission components and measurement period.Source 1

Pricing & charges08

Assisted and written orders

Assisted and written orders
Item	Details
Telephone surcharge	€14.90.Source 1
Written-order surcharge	€12.90.Source 1
Channel choice	These charges are additional to the applicable dealing tariff.Source 1

Pricing & charges09

Order administration and custody

Order administration and custody
Item	Details
Custody	€0.Source 1
Quarterly statement	€0.Source 1
Limit entry/change/expiry/deletion	€0.Source 1
Unexecuted order	€0 in the stated order-fee category.Source 1

Pricing & charges10

Standard ETF-plan pricing

Standard ETF-plan pricing
Item	Details
Minimum instalment	€25.Source 3
Execution rate	1.50%.Source 3
Minimum/maximum	€1.50 / €14.90 per execution.Source 3
Campaign distinction	A dated selected-product promotion does not replace the standard schedule for every ETF.Source 3

Platforms, orders and execution

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Process11

Banking devices

Banking devices
Item	Details
Browser	Online banking.Source 5
App	The Banking App supports the 1822direkt depot.Source 5
Connectivity	The app requires an internet connection; incorrect device time can disrupt communication.Source 5

Process12

Authorisation methods

Authorisation methods
Item	Details
1822TAN+	Approves instructions through the supported app workflow.Source 5
QRTAN+	Requires a second device to scan the QR code shown in online/mobile banking.Source 5
Device limit	1822TAN+ operates on one device under the FAQ; multiple customer identifiers can use that configured procedure.Source 5

Process13

Account time lock and transfer controls

Account time lock and transfer controls
Item	Details
Time lock	Customer-selected portal opening times; complete online access can also be locked.Source 6
Transfer limit	View/change through account settings under the documented process.Source 6
Important distinction	A cash-transfer limit is not automatically a securities-order limit.Source 6

Funding, settlement and transfers

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Process14

Incoming portfolio transfer routes

Incoming portfolio transfer routes
Item	Details
Digital	Use the depot-switching service.Source 5
Written	Submit the completed securities-transfer form by post.Source 5
Bank fee	Incoming switching service free; third-party custody/booking charges may be passed through.Source 5

Process15

Tax acquisition records

Tax acquisition records
Item	Details
Same-owner move	Purchase date and acquisition-cost data should accompany the transfer.Source 5
Whole portfolio	Existing tax-loss buckets can be transferred under the full-depot conditions.Source 5
Partial transfer	Do not assume every tax-loss record follows a selected individual security.Source 5

Process16

Settlement account before execution

Settlement account before execution
Item	Details
Trading readiness	The account needs available cash as well as working access.Source 5
Transfer request	Moving securities does not itself send new cash for fresh purchases.Source 5
Receipt check	Verify the holdings and cost-basis data when the incoming move is completed.Source 5

Custody and client protection

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Protections & eligibility17

Frankfurter Sparkasse deposit coverage

Frankfurter Sparkasse deposit coverage
Item	Details
Ordinary statutory limit	€100,000 per eligible depositor and institution.Source 7 Source 8
Aggregation	Deposits through 1822direkt and other Frankfurter Sparkasse relationships share the bank limit.Source 7 Source 8
Scheme	Recognised Sparkassen-Finanzgruppe protection structure.Source 7 Source 8

Protections & eligibility18

Institutional support and investment risk

Institutional support and investment risk
Item	Details
Institutional support	Seeks to avoid a member-bank failure.Source 8 Source 2
Statutory entitlement	Separate conditional deposit-compensation rights apply if a protection event occurs.Source 8 Source 2
Market risk	Neither framework guarantees the value of shares, bonds or funds.Source 8 Source 2

Support, complaints and records

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Process19

Telephone and email contacts

Telephone and email contacts
Item	Details
Existing customers	069 941 70-0.Source 4
Prospective customers	069 505 093-0.Source 4
Email boundary	Ordinary email is not accepted for securities orders, security resets or account closure under the imprint’s instructions.Source 4

Process20

Forgotten credentials

Forgotten credentials
Item	Details
Online identifier/PIN	Use the dedicated forgotten-credentials function on the login page.Source 5
Telephone PIN	Change/reset through online banking or the designated reset route.Source 5
Wrong phone at opening	Request credentials and correct the number using the prescribed postal form.Source 5

Process21

Tax certificate and postbox

Tax certificate and postbox
Item	Details
Depot customers	Annual tax certificate is supplied towards the end of the following first quarter.Source 5
Request location	Settings, personal details, tax information.Source 5
Later years	After a request, qualifying subsequent-year certificates are supplied in the postbox under the stated conditions.Source 5

Research and additional services

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Availability22

Transaction alerts

Transaction alerts
Item	Details
Email notification	Optional alerts for new account movements.Source 6
Configuration	Different information levels and sending frequencies.Source 6
Privacy	Email details are masked; an alert is a notification, not an order authorisation.Source 6

Availability23

Separate managed investing

Separate managed investing
Item	Details
bevestor	Presented as a separate digital investment-management service associated with Deka.Source 2
Ordinary depot	Investor-directed dealing has different authority and fee terms.Source 2
Cancellation	A managed-service termination must follow its own contract; deleting a self-directed savings plan is not the same action.Source 2

Company and service history

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Regional comparison24

Service-company identifiers

Service-company identifiers
Item	Details
Company	1822direkt Gesellschaft der Frankfurter Sparkasse mbH.Source 4
Commercial register	HRB 41799.Source 4
Bank identifier shown	BIC HELADEF1822.Source 4
Legal boundary	These service-company details do not replace Frankfurter Sparkasse as the deposit institution.Source 4

Headquarters: Germany

The companies behind the brand

Legal entities & licences

These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.

Frankfurter Sparkasse — account provider

GermanySource 4 Source 7

No separate licence entry is recorded in this panel.

1822direkt Gesellschaft der Frankfurter Sparkasse mbH — service company

GermanySource 4

No separate licence entry is recorded in this panel.

Cost illustrations and practical implications

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Scenarios25

Calculated €1,000 domestic order

Calculated €1,000 domestic order
Item	Details
Broker component	€7.40 formula result becomes €9.90 minimum.Source 1
With €2.95 venue fee	€12.85 before other applicable costs.Source 1
Direct dealing	The venue-fee waiver changes that component; quoted spread still matters.Source 1

Scenarios26

Calculated ETF-plan costs

Calculated ETF-plan costs
Item	Details
€25 instalment	€1.50 minimum: 6% of the instalment.Source 3
€100 instalment	€1.50: 1.50%.Source 3
€1,000 instalment	€14.90 maximum: 1.49%.Source 3
Exclusions	Fund expenses and spread.Source 3

Follow the evidence

Sources & further reading

1822direkt current custody and brokerage price table 1822direkt · Accessed 27 Oct 2026
Retail custody account product 1822direkt · Accessed 27 Oct 2026
ETF recurring investment and investment offers 1822direkt · Accessed 27 Oct 2026
1822direkt official imprint 1822direkt · Accessed 27 Oct 2026
1822direkt: current FAQ on authentication, app, tax records and depot transfers 1822direkt Wertpapierdepot · Accessed 27 Oct 2026
1822direkt: account time lock, transfer limits and transaction alerts 1822direkt Wertpapierdepot · Accessed 27 Oct 2026
1822direkt/Frankfurter Sparkasse: depositor information sheet 1822direkt Wertpapierdepot · Accessed 27 Oct 2026
1822direkt: institutional support and statutory deposit protection 1822direkt Wertpapierdepot · Accessed 27 Oct 2026

This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.

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ExploreBroker profiles Securities and market access Germany

Bank and service-company distinction

Starting to trade

Adult and junior service

Securities and savings range

Domestic commission

Foreign commission

Frequent-trader discounts

Assisted and written orders

Order administration and custody

Standard ETF-plan pricing

Banking devices

Authorisation methods

Account time lock and transfer controls

Incoming portfolio transfer routes

Tax acquisition records

Settlement account before execution

Frankfurter Sparkasse deposit coverage

Institutional support and investment risk

Telephone and email contacts

Forgotten credentials

Tax certificate and postbox

Transaction alerts

Separate managed investing

Service-company identifiers

Legal entities & licences

Calculated €1,000 domestic order

Calculated ETF-plan costs

Sources & further reading

Connected coverage