Accounts & headline costs
Sections ↑Consorsbank combines a German securities account with full banking and specialist trading services. Its standard depot provides free custody and a free EUR clearing account. Opening promotions, activity discounts and separately approved derivatives services change different parts of the bill.[4][59]
Reference table01
Account and service choices
| Account / service | Ownership and use | Headline charging structure |
|---|---|---|
| Standard Wertpapierdepot | Individual or joint self-directed custody | Ordinary Silver/Gold/Platinum dealing; no standard custody charge.Source 47Source 12 |
| Adult new-customer offer | Eligible adult opening a depot | Tradegate EUR 0.95 per online order during opening month plus 12 months.Source 4 |
| RISE Young Trading | Age 18–30 at opening | Five years of discounted dealing; new and existing customers have different venue eligibility.Source 5 |
| Junior-Depot | Child-owned assets, guardian administration | Five-year dealing offer for eligible new minors; ordinary custody EUR 0.Source 6 |
| Margin-Konto / FutureBroking | Separately approved derivatives account | Exchange-contract commissions, market data and collateral requirements.Source 24 |
| Investmentkonto | Discretionary managed portfolio | EUR 750 initial investment; 0.80% annual management plus product costs up to 0.29%.Source 22 |
Reference table02
Promotions: eligibility and material exclusions
| Offer | Eligibility / duration | What is and is not included |
|---|---|---|
| Ordinary adult | No Consorsbank account or depot in preceding six months; excludes minors and Wealth Management clients. | Tradegate fee includes venue cost; no minimum order. StarPartner ETF purchases priced EUR 3.95 and registered-share entry charges excluded.Source 4 |
| RISE — new customer | Age 18–30; no account/depot in prior six months; five years from opening, even after turning 31. | EUR 0.95 via Tradegate BSX, Quotrix, LSX or gettex for shares, ETFs, funds and bonds. Excludes derivatives, EUR 3.95 promotional ETFs and registration fees.Source 5 |
| RISE — existing customer | Age 18–30 with no existing depot; first RISE depot. | Published existing-customer EUR 0.95 offer names Tradegate only. Do not assume the new-customer four-venue discount.Source 5 |
| Junior — new customer | Minor with no account/depot in prior six months; excludes Wealth Management clients. | EUR 0.95 for eligible shares/ETFs/funds/bonds at the four named venues for five years; same ETF/registration exceptions and derivative exclusion.Source 6 |
Reference table03
Ordinary annual activity tiers
| Status | Relevant orders / calendar year | Base + value commission | Minimum / maximum bank fee |
|---|---|---|---|
| Silver 1 / 2 | 0–10 / 11–25 | EUR 4.95 + 0.25% | EUR 9.95 / EUR 69Source 8 |
| Gold 1 / 2 / 3 | 26–100 / 101–250 / 251–500 | EUR 3.95 + 0.25% | EUR 8.95 / EUR 59Source 8 |
| Platinum 1 | 501–1,000 | EUR 3.95 + 0.22% | EUR 7.95 / EUR 49Source 8 |
| Platinum 2 | 1,001–2,000 | EUR 3.95 + 0.18% | EUR 7.95 / EUR 49Source 8 |
| Platinum 3 | 2,001–3,000 | EUR 3.95 + 0.15% | EUR 7.95 / EUR 49Source 8 |
| Platinum 4 | 3,001–4,000 | EUR 3.95 + 0.12% | EUR 6.95 / EUR 39Source 8 |
| Platinum 5 | 4,001–5,000 | EUR 3.95 + 0.10% | EUR 6.95 / EUR 29Source 8 |
| Platinum 6 | More than 5,000 | EUR 3.95 + 0.08% | No minimum / EUR 29Source 8 |
Only the first partial execution counts toward activity status; CFD, Eurex and savings-plan executions do not. Promotional customers still acquire a status, but their existing promotional conditions continue until expiry.[8][9]
Reference table04
Representative ordinary securities order costs
| Illustration | Calculation | Bank + named venue |
|---|---|---|
| Silver: EUR 1,000 via Tradegate | Minimum EUR 9.95 + EUR 0.95 | EUR 10.90Source 10 |
| Silver: EUR 5,000 via Tradegate | EUR 4.95 + EUR 12.50 + EUR 0.95 | EUR 18.40Source 10 |
| Gold: EUR 5,000 via gettex | EUR 3.95 + EUR 12.50 + EUR 1.95 | EUR 18.40Source 10 |
| Platinum 4–6 Tradegate Special | EUR 3.95 fixed bank fee + EUR 0.95 | EUR 4.90Source 8 |
Cash, custody and borrowing are separate
Reference table05
Account-level costs
| Item | Published basis | Practical consequence |
|---|---|---|
| Omnibus securities custody | EUR 0 | No activity condition for ordinary custody.Source 12 |
| EUR clearing and optional currency subaccounts | EUR 0 account maintenance | Cash transactions and FX conversions can still incur fees.Source 12 |
| Securities credit | 7.55% nominal / 7.77% effective annually, variable | Interest on drawn borrowing; approval and collateral required.Source 61 |
| Tolerated clearing-account overdraft | 13.90% nominal / 14.64% effective annually | A more expensive balance outside an agreed credit facility.Source 11 |
Products & platforms
Sections ↑Reference table06
Product coverage and legal form
| Product | Access | Important distinction |
|---|---|---|
| Shares and ETFs | German and international exchanges | Purchased securities in custody; trading venue and settlement currency matter.Source 17 |
| Investment funds | Fund company and exchange routes | Issue charges and redemption timing depend on the route.Source 10 |
| Bonds | Domestic exchanges, settlement in EUR | Foreign-currency denomination does not create a foreign-currency dealing route.Source 14 |
| Certificates, warrants and turbos | Listed and issuer OTC routes | Issuer credit risk and product-specific leverage; separate derivative permissions.Source 62 |
| Crypto exposure | Securitised crypto products / ETNs | Exposure through a security, with issuer and product risks; no coin-wallet feature inferred.Source 62 |
| Exchange options and futures | Eurex, CME, CBOT and OCC-related US markets | Separate margin account; retail futures are restricted to hedging.Source 25 |
| CFDs | Dedicated CFD account and interface | Leveraged cash-settled exposure, separate from securities custody.Source 30 |
| UpTrade | Covered-call-style service on eligible held shares | Available from one eligible share; tailored terms within offered choices.Source 27 |
Reference table07
Platforms and meaningful differences
| Platform | Purpose | Verified capabilities / dependencies |
|---|---|---|
| Online banking | Desktop investing and account administration | Remains available on a PC; approvals move through the Consorsbank App.Source 51 |
| Consorsbank App | Banking and ordinary investing | Account access and device-bound transaction authorisation.Source 50 |
| Consorsbank Pro App | Dedicated securities trading | OCO and trailing stops available; Nextorder listed for a later release.Source 34 |
| ActiveTrader | Desktop securities trading | Free software; watchlist-based orders, realtime data options and Trading-API integration.Source 35 |
| ActiveTrader Pro | More detailed order and market-data handling | Paid subscription unless status waives it; Xetra detail requires suitable data package.Source 35 |
| FutureTrader | Exchange derivatives | Mobile browser access, option chains, cross-margining and margin simulation; separate approval.Source 25 |
| CFD App | Dedicated leveraged account | Positions, margin, live P/L, order book and chart trading.Source 30 |
Reference table08
ActiveTrader Pro monthly software charge
| Activity status | Software subscription | Other subscriptions |
|---|---|---|
| Silver / Gold 1 | EUR 119 | Market-data packages additional.Source 35 |
| Gold 2 | EUR 39 | Applicable data tariff still applies.Source 35 |
| Gold 3 | EUR 29 | Applicable data tariff still applies.Source 35 |
| All Platinum levels | EUR 0 | Data subscriptions remain separate.Source 35 |
The Trading-API connects custom software through ActiveTrader; the official page supplies Java and C#/.NET examples. This is a documented programming interface, not a claim that an external strategy or automated trading system was tested.[35]
UpTrade and exchange derivatives have different entry mechanics
Reference table09
Specialist product setup
| Service | Entry requirements | Scope |
|---|---|---|
| Exchange options/futures | Depot, risk class 5, FTG approval and margin account | The bank switched option dealing to the new FutureTrader from 1 October 2026.Source 23 |
| UpTrade | Eligible existing shares and successful knowledge check | Launch covered over 100 European/US shares; terms offered at 30, 60, 90 or 180 days.Source 27 |
| CFD account | Consorsbank securities depot and clearing account | Dedicated account; no additional CFD account-maintenance charge.Source 30 |
Fees & holding costs
Sections ↑Compare the applicable bank commission with venue charges, currency conversion, product expenses and any subscribed data. A free savings execution or discounted issuer trade does not remove the market spread or the product’s embedded costs.[49]
Reference table10
Domestic venue supplements outside a promotion
| Venue | Supplement per order |
|---|---|
| Tradegate | EUR 0.95Source 10 |
| gettex / LSX / Quotrix / non-StarPartner OTC | EUR 1.95Source 10 |
| Xetra | EUR 1.95 plus transaction feeSource 10 |
| Frankfurt / Munich / Stuttgart | EUR 2.95 plus transaction feeSource 10 |
| Other domestic exchanges | EUR 4.95 plus applicable exchange and broker chargesSource 10 |
| StarPartner OTC | EUR 0 venue supplement; product campaign terms still applySource 10 |
Reference table11
Representative international venue supplements
| Market / route | Supplement | Addition to ordinary commission |
|---|---|---|
| USA Smart Order / Extended | EUR 21 | FX, taxes and other applicable expenses extra.Source 10 |
| Canada Smart Order | EUR 69 | FX and applicable expenses extra.Source 10 |
| London / Paris / Zurich | EUR 34 / EUR 36 / EUR 41 | Local duties may apply.Source 10 |
| Amsterdam / Milan / Madrid | EUR 42 / EUR 56 / EUR 59 | Local duties may apply.Source 10 |
| Hong Kong / Singapore | EUR 124 / EUR 121 | Local expenses and FX can be material.Source 10 |
| Tokyo / Sydney / Wellington | EUR 72 / EUR 101 / EUR 136 | Check instrument availability and local costs.Source 10 |
Reference table12
Administration and holding charges
| Service | Published charge | Scope |
|---|---|---|
| Telephone securities order | Online price + EUR 14.95 | Per order through service team.Source 12 |
| Electronic registered-share entry | EUR 1.95 | Per position/entry; can affect small regular purchases.Source 12 |
| Non-electronic foreign share registration | EUR 24.95 | Where applicable.Source 12 |
| Custody-location change | EUR 29.95 | Per affected position.Source 12 |
| Foreign withholding-tax reclamation | EUR 19.95 per income item + external costs | Separate from automatic tax withholding.Source 12 |
| Optional duplicate paper dispatch | EUR 1.50 + postage | In addition to free online archive.Source 12 |
| Xetra-Gold custody | 0.0298% monthly including VAT | Instrument-specific storage charge.Source 12 |
Reference table13
Currency costs: percentage charges and quote-point margins
| Transaction | Published margin / fee | How to interpret it |
|---|---|---|
| Cash exchange: G10 group | 0.30% of EUR amount | AUD, CAD, CHF, GBP, JPY, NOK, NZD, SEK, USD.Source 13 |
| Cash exchange: other listed currencies | 0.60% of EUR amount | Including SGD, TRY and ZAR.Source 13 |
| Cash currency exchange service | EUR 19.95 per conversion | Separate price-schedule fee; account maintenance remains free.Source 12 |
| Other conversion: USD / CHF / GBP / CAD | 0.003 / 0.003 / 0.002 / 0.006 quote-rate points | These are adjustments to the quoted exchange rate, not percentage commissions.Source 13 |
Reference table14
Conversion reference and transaction timing
| Transaction | Reference / published window |
|---|---|
| Cash exchange between currency accounts | 360T quotes; 08:00–16:30; conversion near-time subject to market conditions.Source 13 |
| Ordinary securities / income, general rule | BFIX 13:00 on execution/payment day; securities after 17:00 use following-day fixing.Source 13 |
| USD/CAD securities exception | Execution 07:30–12:30 uses 13:00 BFIX; 12:30–17:00 uses 17:30; later uses next-business-day 08:00.Source 13 |
Options, futures and UpTrade costs
Reference table15
Exchange-derivative dealing commission
| Contract / event | Bank or clearing component | Other charges |
|---|---|---|
| Eurex options, purchase or sale | EUR 12.25 + 0.50% of premium; minimum EUR 19.50 | Exchange fees and FX where applicable.Source 23 |
| Mini-DAX / Micro-DAX / Micro-Euro Stoxx futures | EUR 1 per contract per side | Exchange charges additional.Source 23 |
| Other Eurex futures, per side | EUR 6 / EUR 4.50 / EUR 3 / EUR 2.50 / EUR 2 | Monthly product-volume tiers: 1–99 / 100–299 / 300–999 / 1,000–1,999 / 2,000+.Source 24 |
| US futures and options, per side | EUR 2.50 + USD 1 per contract | Exchange plus applicable NFA, ORF or SEC charges.Source 23 |
Reference table16
Expiry, exercise and delivery charges under October tariff
| Event | Published charge before exchange expenses |
|---|---|
| Eurex stock-option exercise / assignment | EUR 17.50 per seriesSource 24 |
| Eurex index-option cash settlement | EUR 2 per contract, minimum EUR 12.25Source 24 |
| Eurex futures cash settlement | EUR 6 per contract; Mini-DAX EUR 1Source 24 |
| US stock-option exercise / assignment | EUR 17.50 per series + USD 0.70 per contractSource 24 |
| CME futures cash settlement | EUR 3.50 + USD 1 per contractSource 24 |
Reference table17
FutureTrader subscriptions
| Subscription | Retail / professional monthly fee | Qualification |
|---|---|---|
| Eurex realtime | EUR 15 / EUR 15 | Level 2 adds EUR 14 / EUR 40.Source 25 |
| CME data / CBOT data | EUR 5 / EUR 79 each | Separate market subscriptions.Source 25 |
| US option data | EUR 5 / EUR 30 | OPRA feed.Source 25 |
| TradingView chart module | EUR 0 | Explicit in tariff effective 1 October 2026.Source 24 |
The October 2026 FutureBroking PDF supersedes older web cash-settlement figures and lists TradingView charting at EUR 0. Other pages still describe a EUR 29 chart subscription waived through December 2026. Check the named module in subscription management before accepting a renewal; these labels should not be treated as one identical tariff.[24][25]
Reference table18
UpTrade charges and contingent costs
| Event | Bank charge | Additional economics |
|---|---|---|
| Start UpTrade | 1.50% of total execution premium | Market-maker margin and product costs also apply.Source 29 |
| Exercise at maturity | EUR 9.95 share-sale charge | Foreign-currency strike conversion can add costs.Source 29 |
| Expiry without exercise | EUR 0 expiry fee | Underlying share price risk remains.Source 29 |
| Voluntary early closure | 1.50% of total closing premium | The market-dependent repurchase premium itself is payable.Source 29 |
| Forced early closure | 1.50% for specified contractual cases; 0% for others | Check clause 9.1 and the termination amount.Source 29 |
UpTrade exercise uses USD/CHF margins of 0.003 and GBP 0.002 quote-rate points. USD uses next-business-day 08:00 BFIX; other quoted exercise currencies use 13:00. Market-maker conversion inside the product can create further costs.[29]
Reference table19
CFD charges supported by the retrieved current material
| Cost layer | What is established | What to check before dealing |
|---|---|---|
| Account maintenance | No additional CFD account fee | An ordinary depot and clearing account are prerequisites.Source 30 |
| Opening / closing | Instrument-dependent commissions and fees | Current contract-specific spread and tariff; no universal per-trade rate inferred.Source 30 |
| Overnight holding | Holding beyond daily close produces adjustments | Instrument financing basis and long/short treatment.Source 30 |
| Related-party remuneration | BNP Paribas Financial Markets can share CFD spreads and financing revenue with the bank | A conflict disclosure, not an additional standalone customer tariff.Source 49 |
Execution & trading rules
Sections ↑Reference table21
Representative domestic dealing hours
| Venue / rule | Published ordinary schedule |
|---|---|
| Tradegate / gettex | Monday–Friday 07:30–22:00; Tradegate bonds end at 20:00.Source 16 |
| Xetra | Monday–Friday 08:00–22:00 under the schedule introduced in December 2025.Source 16 |
| LSX / Quotrix | Monday–Friday 07:30–23:00.Source 16 |
| Frankfurt | Monday–Friday 08:00–22:00; bonds end at 17:30.Source 16 |
| Xetra order validity | Maximum 360 calendar days; actual order instructions and cancellations still matter.Source 16 |
Reference table22
Securities order instructions
| Instruction | Use | Limit |
|---|---|---|
| Market | Immediate execution request at available prices | Final price may differ from the displayed quote.Source 32 |
| Limit | Sets maximum buy or minimum sell price | Execution can remain incomplete or absent.Source 32 |
| Stop market | Activates a market order at its trigger | Trigger is not a guaranteed execution price.Source 32 |
| Stop limit | Adds a price limit after triggering | Can fail to execute after a price gap.Source 32 |
| Trailing stop | Trigger follows favourable price movement | Availability depends on platform and venue.Source 32 |
| OCO / Next Order | Linked conditional instructions | Combination and route support must be checked.Source 32 |
Reference table23
Order-function differences by channel
| Channel | Supported scope |
|---|---|
| Ordinary Consorsbank App | The bank directs OCO/trailing users to the website or ActiveTrader.Source 33 |
| Consorsbank Pro App | OCO and trailing are present; its dedicated FAQ still lists Nextorder as forthcoming.Source 34 |
| CFD App | Market, limit, stop, trailing, If-Done, OCO and If-Done-OCO; chart trading.Source 30 |
Reference table24
Execution and partial-fill rules
| Topic | Published arrangement | Practical interpretation |
|---|---|---|
| Customer venue instruction | Overrides the bank’s default venue selection | Compare executable prices and costs before choosing the discounted venue.Source 48 |
| Best-execution policy | Procedure aimed at the best overall result | It is not a guarantee of the best price on every order.Source 48 |
| Partial fills | After first fill, base and venue charge are waived; percentage commission continues | Inspect multiple confirmations and foreign expenses.Source 10 |
| Fund-company dealing | Fund subscription/redemption route | NAV pricing and cutoffs differ from exchange limit orders.Source 18 |
Permissions, collateral and forced closure
Reference table25
Leveraged and specialist permissions
| Service | Gate or restriction | Potential obligation |
|---|---|---|
| Retail futures | Hedging only since 1 January 2023; separately classified professional clients differ | Losses can exceed the initial deposit and agreed collateral.Source 25 |
| Derivatives and turbo certificates | FTG and risk class 5; successful turbo knowledge check required from 16 June 2026 | Permission to hold ordinary shares is insufficient.Source 62 |
| Eurex short options | Minimum-margin rules apply to far out-of-the-money positions | SOA uses 2.50% for share/index options and 0.50% for money/capital-market futures options, with further margin factors.Source 26 |
| Margin shortfall | Bank can request additional collateral within a short period | Minimum margin does not cap losses; same-day action can be required.Source 26 |
Reference table26
Securities borrowing and short selling
| Service | Conditions | Financial exposure |
|---|---|---|
| Wertpapierkredit | Creditworthiness and eligible holdings; limit can be below collateral value | Shares up to 70%, bonds/funds up to 80%, certificates up to 60%; individual values can be lower or zero.Source 61 |
| Collateral decline | Repay shortfall or add acceptable collateral | Failure to remedy may lead to termination and sale of holdings.Source 61 |
| Short-sale permission | Separate agreement and FTG; only approved securities/routes | Bank determines intraday/overnight availability and can refuse orders.Source 36 |
| Borrow / buy-in costs | Short-sale proceeds and collateral are blocked | Borrow fees and forced-cover costs may arise; loss can be unlimited.Source 36 |
| Short-position transfers / US relocation | Short positions cannot be transferred in or out; US move can trigger termination | Do not assume ordinary long-position portability applies.Source 36 |
Reference table27
UpTrade position behaviour
| Situation | Contract effect |
|---|---|
| While open | Underlying shares are blocked from sale or transfer.Source 28 |
| Share price above strike at expiry | Shares are sold at the agreed strike; upside beyond that price is forgone.Source 28 |
| Share price falls | The shareholder remains exposed to the decline; premium is limited compensation.Source 27 |
| Early exit | Pay a market-dependent repurchase price and closure charges before selling released shares.Source 28 |
Deposits, withdrawals & transfers
Sections ↑Reference table28
Cash funding and withdrawal routes
| Route | Bank fee / timing basis | Important condition |
|---|---|---|
| Online SEPA EUR transfer | EUR 0; ordinary published cutoff 16:30 | Receiving-bank processing and holidays affect receipt.Source 12Source 13 |
| SEPA instant transfer | EUR 0; published 24-hour, ten-second processing | Requires a supported instant-payment route.Source 12Source 13 |
| Manual transfer instruction | EUR 4.95 | Paper/assisted route differs from online transfer.Source 12 |
| Non-SEPA incoming or outgoing payment | EUR 19.95 plus relevant third-party / FX charges | Confirm account currency, beneficiary and fee allocation.Source 12 |
| Margin-account withdrawal | Through FutureTrader to own Consorsbank clearing account | External bank withdrawal then uses the clearing account; external funding into margin account is allowed.Source 23 |
Reference table29
Sale proceeds: booking versus settlement
| Transaction | Published usual value date | Cash consequence |
|---|---|---|
| US / Canadian securities | One business day after trade | On-screen booking can precede settled cash.Source 37 |
| European securities | Two business days after trade | Use the confirmation’s actual value date.Source 37 |
| Fund-company redemption | Often three bank working days | Fund-specific exceptions and processing delays apply.Source 37 |
| Withdrawal before value date | Possible from booking date | Debit interest can arise; immediate reinvestment is treated differently.Source 37 |
Reference table30
Securities transfers
| Transfer issue | What to do | Conditions / limitations |
|---|---|---|
| Into Consorsbank | Instruct the delivering bank | Normally free; foreign custody or non-Clearstream positions may create expenses.Source 38 |
| Out of Consorsbank | Instruct Consorsbank through its online transfer process | Specify recipient, holdings and ownership treatment.Source 38 |
| Timing | Bank states usually no more than three weeks | An expectation, not a guarantee for every foreign or restricted asset.Source 39 |
| Tax acquisition records | Verify tax lots after migration | Ownership and transfer type affect the transmission of acquisition data.Source 41 |
Consorsbank says it does not accept foreign acquisition-cost records into its tax system. If basis is missing, its sale withholding calculation treats 30% of proceeds as gain; this is not a 30% tax rate. Preserve original trade documents for a possible correction through the tax return.[40]
Reference table31
Fractional positions and transfer preparation
| Position | Treatment |
|---|---|
| Savings-plan fractions | Cannot be transferred; remain with the delivering depot.Source 42 |
| Whole shares plus fractions | A complete sale can generate two separate confirmations.Source 43 |
| Only fractions remain | Contact customer service; capital-action fractions are ordinarily redeemed automatically.Source 43 |
| Shares committed to UpTrade | End the commitment under its terms before transfer.Source 28 |
Reference table32
Foreign-currency balances
| Feature | Operating rule |
|---|---|
| Product-page account list | USD, GBP, CAD, AUD, NOK, SGD, TRY, ZAR, JPY and SEK; EUR clearing account required.Source 14 |
| Credit interest and currency-list discrepancy | Published foreign-currency rates are 0% annually. The rate schedule also lists CHF; confirm whether CHF accounts can currently be opened.Source 11 |
| Settlement account choice | For eligible international orders, choose the matching currency account and prefund it; no overdraft.Source 14 |
| Dividends | Matching-currency dividends automatically use that account unless the customer requests EUR conversion.Source 15 |
| German-market trades | Settle in EUR; foreign-currency bond coupons or redemption payments can still be foreign-currency cash flows.Source 14 |
Protection & regulation
Sections ↑The contracting bank is BNP Paribas S.A. Niederlassung Deutschland. Consorsbank is its brand. The ECB’s supervised-entity list identifies BNP Paribas S.A. within significant-bank supervision; the branch imprint also identifies BaFin and the relevant French authorities.[2][1]
Reference table33
Identity and supervision evidence
| Item | Verified identity / identifier | Meaning |
|---|---|---|
| German contracting branch | BNP Paribas S.A. Niederlassung Deutschland | Consorsbank brand; Nürnberg office.Source 1 |
| German commercial registrations | Nürnberg HRB31129; Frankfurt HRB40950 | Corporate-register references, not brokerage licence numbers.Source 1 |
| French parent | BNP Paribas S.A.; Paris RCS662042449 | Parent legal entity and company registration.Source 1 |
| Authority cross-check | ECB significant-entity list and BaFin provider listing | Independent identity evidence; the BaFin comparison page is not a licence certificate.Source 2Source 3 |
Reference table34
Deposit protection and aggregation
| Protection layer | Published scope | Practical limit |
|---|---|---|
| French FGDR statutory scheme | EUR 100,000 per depositor per bank | Applies to eligible deposits; multiple accounts aggregate.Source 45 |
| Named branch brands | Consorsbank, Consors Finanz, DAB and the listed BNP Paribas banking businesses | Opening another named brand does not create another EUR 100,000 allowance.Source 45 |
| Joint accounts | Each depositor has their own applicable allowance | Allocate ownership and other deposits with the same bank.Source 45 |
| Payout timetable | Statutory sheet specifies seven working days, in EUR | Eligibility and scheme procedures still apply.Source 45 |
| Voluntary German fund | Maximum EUR 3 million for eligible individuals from 2025, also constrained by bank capital and scheme rules | Not a second unconditional state guarantee; request the bank-specific limit.Source 46 |
Reference table35
Custody assets and counterparty exposure
| Asset or claim | Protection category | What it does not cover |
|---|---|---|
| Customer securities | Custody holdings are legally distinct from bank deposits | Price losses and an issuer’s failure are not compensated as cash deposits.Source 44 |
| Certificates / ETNs / derivatives | Contract and issuer/counterparty claims | A custody account does not remove the underlying instrument’s credit or leverage risk.Source 62Source 30 |
| Pledged assets | Credit and derivatives agreements can encumber eligible holdings | Bank liquidation rights remain relevant if collateral becomes insufficient.Source 36Source 26 |
Some older currency-account text still mentions a EUR 120 million voluntary ceiling. The current depositor information sheet has lower limits effective from 2025 and is used here. The dedicated statutory sheet names FGDR in France; a generic country label on the BaFin account-comparison page is not used to replace that contract-specific evidence.[46][14][45]
Opening an account & support
Sections ↑Reference table36
Opening and ongoing administration
| Step / issue | What the public material establishes |
|---|---|
| First account | Complete the online application and identity check; account-access documents follow by post.Source 4 |
| Identification route | RISE materials describe app-based identification or POSTIDENT.Source 5 |
| Additional account | Existing customers have a dedicated logged-in opening route; initial identification is normally performed for the first account.Source 55Source 56 |
| Language | Contract information and routine agreed communications are in German.Source 47 |
| Foreign residency or US connection | Supply accurate residence and tax information; confirm country and product acceptance before applying. A tax-reporting page does not establish universal eligibility.Source 53Source 52 |
Reference table37
Documents and household accounts
| Situation | Required / documented treatment |
|---|---|
| Address discrepancy | A registration certificate may be requested when application and identification addresses differ.Source 54 |
| Junior opening | Printed application signed by all legal guardians; birth certificate copy; new guardians identify themselves.Source 7 |
| Sole / unmarried joint guardianship | Provide custody evidence; a paternity acknowledgement alone does not establish joint authority.Source 7 |
| Child becomes adult | Child receives control at 18; representatives lose access unless a new authority is granted.Source 6 |
| Joint depot | Each holder normally acts individually; credit agreements and account closure require joint participation. Holders are jointly liable.Source 47 |
Reference table38
Security and account access
| Control | Practical use |
|---|---|
| Device binding | Activated mobile device supplies the possession factor.Source 50 |
| PIN or biometrics | Knowledge or biometric factor authorises access and transactions.Source 50 |
| PC banking | Use the desktop website with approval through the current banking app.Source 51 |
| Authorised representative | Use a formal authority; the bank provides distinct access credentials.Source 47 |
Reference table39
German tax administration: issues that affect cash
| Topic | Account treatment |
|---|---|
| Domestic withholding | Normally 25% capital-income tax plus solidarity surcharge and, where applicable, church tax.Source 52 |
| Exemption order | Supply tax identification and submit a Freistellungsauftrag for the applicable available allowance.Source 52 |
| Fund advance tax | Vorabpauschale may require clearing-account cash even without a distribution; insufficient cash can trigger reporting.Source 52 |
| Foreign tax residency | Provide foreign tax number or justified explanation; update the self-certification when circumstances change.Source 53 |
| US indicators / FATCA | The bank seeks the relevant US tax self-certification, including W-9 where applicable; reporting is separate from product acceptance.Source 52 |
| Foreign transfer basis | Keep original purchase records; missing bank tax basis can produce provisional withholding unrelated to actual gain.Source 40 |
Customer service and formal escalation
Customer serviceTelephone
+49 911 369 3000Source 57
Scope Monday–Sunday 07:30–22:00, German local time; published hours, not a measured response promise.
FutureBroking specialistsTelephone
General enquiriesEmail
[email protected]Source 1
Scope Published general bank contact; use authenticated channels for account instructions.
Complaint submissionEmail
[email protected]Source 57
Scope Include event, affected account/instrument and prior case reference.
Private-bank ombudsmanEmail
Complaint handling is free. The bank states that it usually gives an initial written or telephone response within three bank working days and may take longer to investigate; this is its published procedure, not an independently tested service result.[57]
Additional services
Sections ↑Savings plans and automatic reinvestment
Reference table40
Savings-plan costs outside the opening offer
| Investment | Ordinary execution charge | Starting rate |
|---|---|---|
| ETF | EUR 0; partner remuneration and spreads remain | EUR 10Source 19 |
| Share | 1.50%; registered-share charge can additionally apply | EUR 10Source 20Source 19 |
| ETC / certificate | 1.50%, subject to specific partner offers | EUR 10Source 19 |
| Investment fund | Fund-specific issue charge; selected funds have discounts | EUR 10Source 19 |
The standard adult, eligible RISE and Junior opening offers separately waive monthly share, fund, ETC and certificate plan execution fees for twelve months. Lump-sum top-ups, registered-share charges, reinvestment, external expenses and transaction taxes are excluded. The ordinary adult offer’s exclusion of minors does not negate the separately published Junior offer.[4][6][5]
Reference table41
Savings-plan operating choices
| Control | Published options |
|---|---|
| Execution date | 1st, 7th, 15th or 23rd of the month.Source 18 |
| Frequency | Monthly, every two months, quarterly or half-yearly.Source 18 |
| Increase / pause / change | Optional annual increase 2.5–10%; setup, amendment, pause and deletion free.Source 18 |
| Execution route | Funds through fund company; certificates/EUWAX Gold via Stuttgart; other listed shares/ETFs/ETCs/ETNs through Tradegate.Source 18 |
| Funding | Clearing cash available one bank day before date, or external direct debit normally two days before execution.Source 18 |
Reference table42
Reinvestment and small-purchase costs
| Feature | Effect |
|---|---|
| Reinvestment switch | ETF, fund and share reinvestment can be enabled or disabled in app or online banking.Source 18 |
| Reinvestment fee | The relevant ordinary plan terms apply; promotional initial plan execution is not a blanket reinvestment waiver.Source 18 |
| Registered shares | EUR 1.95 registration can exceed the percentage fee on a small instalment; the bank provides an objection procedure.Source 18 |
| Plan sale | Selling ETF/share positions uses applicable securities dealing charges; fund-company redemption has its own tariff.Source 19 |
Managed investment and broader banking
Reference table43
Investmentkonto managed service
| Item | Published arrangement |
|---|---|
| Initial / later investment | EUR 750 initially; further investment from EUR 10 monthly.Source 22 |
| Management fee | 0.80% annually including VAT; product costs up to 0.29% annually extra.Source 22 |
| Strategy range | Defensiv, Solide, Ausgewogen, Dynamisch and Offensiv.Source 22 |
| Investment decisions | Bank manages mainly ETFs, funds and ETCs within the agreed mandate.Source 22 |
| Risk and access | No capital guarantee; choose strategy for risk capacity and investment horizon.Source 22 |
Reference table44
Cash and current-account services
| Service | Core conditions | Important distinction |
|---|---|---|
| New-depot Tagesgeld promotion | 3.80% annually up to EUR 1 million for five months; 1.00% on excess; quarterly interest credit | After promotion the then-current ordinary cash rate applies.Source 4 |
| Ordinary Tagesgeld interest | 1.00% annually, variable; quarterly credit | The published current standard rate is separate from an opening guarantee.Source 11 |
| Consorsbank! Girokonto | EUR 0 with EUR 700 monthly inflow or holder under 31; otherwise EUR 4 monthly | Optional current account; not a custody condition.Source 63 |
| Visa Debit / Gold Light / Gold | Debit and Gold Light fee EUR 0; Gold EUR 9 monthly; optional girocard free | Card selection and credit acceptance are separate from depot opening.Source 63 |
| International card use | Gold Light has worldwide bank-fee-free payments/withdrawals; debit FX usage charges differ | ATM operator fees and special transaction charges can remain.Source 63 |
| Foreign-currency account | Free maintenance and no minimum deposit | Exchange risk, conversion costs and currency-specific availability apply.Source 14 |
The bank also offers mortgages, instalment lending and access to BNP Paribas Wealth Management. Its financial planner categorises cash-account transactions and can display up to 24 months of history. These services have their own contracts and are not included in a securities dealing commission.[58][64]
Reference table45
Service selection for different investing needs
| Need | Relevant service | Decision point |
|---|---|---|
| Long-term automated investing | ETF or other security savings plan | Execution fee, product costs and fraction handling.Source 21Source 19 |
| Borrowing against a portfolio | Wertpapierkredit | Variable interest, pledged holdings and shortfall capacity.Source 61 |
| Managed investment decisions | Investmentkonto | Mandate, risk strategy and combined annual costs.Source 22 |
| Income from held shares | UpTrade or approved exchange covered calls | Blocked shares, capped upside, buyback cost and differing contract sizes.Source 27 |
Company background & evidence
Sections ↑Reference table46
Company and product development
| Date | Verified event |
|---|---|
| 1994 | Consors founded in Nürnberg by Karl Matthäus Schmidt.Source 58 |
| 1999 | Stock-market listing.Source 58 |
| 2002 | BNP Paribas/Cortal acquisition and combination; the acquisition announcement is separately archived by BNP Paribas.Source 65 |
| 2014 / 2016 | Consorsbank name adopted; DAB retail business subsequently integrated.Source 59 |
| 2023 / 2024 | Activity-based brokerage pricing introduced; Investmentkonto launched.Source 58 |
| September / October 2026 | UpTrade launched; new FutureBroking tariff took effect.Source 27Source 24 |
Reference table47
Published scale: dated, company-reported figures
| Measure | Figure | Date / qualification |
|---|---|---|
| Client assets | EUR 112.4 billion | 30 June 2026 company factsheet.Source 59 |
| Customers / securities depots | 1.90 million / 1.84 million | 30 June 2026; different measures.Source 59 |
| Ordersystem trades | 33.8 million | Calendar 2025, reported in June 2026 factsheet.Source 59 |
| Current accounts | 0.40 million | 30 June 2026.Source 59 |
Reference table48
Evidence hierarchy and unresolved details
| Topic | Treatment in this profile |
|---|---|
| Ordinary fees and promotions | Current offer scope is kept separate from ordinary status pricing.Source 9 |
| October futures migration | Dated effective tariff controls changed settlement charges; older web module wording is disclosed.Source 24 |
| ETF universe counts | Current pages differ on instrument totals; the profile focuses on eligibility and costs, not a claimed exact live inventory.Source 21 |
| CFD numeric schedule | Current account/order/overnight features are verified; a complete current contract-price table was not retrievable, so no historical numeric tariff is promoted as current.Source 30Source 31 |
- Headquarters
- Nürnberg, Germany; BNP Paribas S.A. parent in Paris, France
- Founded
- 1994
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
BNP Paribas S.A. Niederlassung Deutschland
No separate licence entry is recorded in this panel.
Additional Information
Sections ↑Business and media contacts
NewsroomWebsite
https://www.consorsbank.de/web/Ueber-uns/PresseSource 60
Scope Official releases, studies, management material and business media contacts.
Press spokesperson — Axel HartmannEmail
Press spokesperson — Jürgen EikenbuschEmail
Official contracts and disclosuresWebsite
https://www.consorsbank.de/web/Service/AGBSource 47
Scope Contract, execution-policy and depositor-information documents.
Reference table49
Practical account-management details
| Situation | Action before relying on the feature |
|---|---|
| Different joint-holder addresses | The contract uses the first holder’s address for general communications; personal access documents may be sent individually.Source 47 |
| Transfer planned while short | Short positions are not transferable; arrange permitted closure and release first.Source 36 |
| Small regular registered-share purchases | Inspect the registration component as well as the percentage execution charge.Source 19 |
| App choice | Check ordinary banking App versus Pro App features; their order menus are different.Source 33Source 34 |
| FX account as dealing cash | Prefund the matching currency and select it on eligible foreign-market orders.Source 15 |
The numerical BaFin institution identifier could not be independently retrieved from the authority register during this review. It is deliberately omitted from the structured licence list. Verified legal-entity and supervision evidence appears above; neither a corporate registration nor a parent LEI is substituted as a licence number.[2][1]
Sources & further reading
- Consorsbank legal imprint BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- ECB supervised entities list — August 2026 European Central Bank · Accessed 11 Oct 2026
- BaFin account comparison — Consorsbank provider identity Federal Financial Supervisory Authority · Accessed 11 Oct 2026
- Wertpapierdepot — current ordinary adult opening terms BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- RISE Young Trading — new and existing customer conditions BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Junior-Depot — five-year dealing and child account terms BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Documents required for a Junior-Depot BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Trading price model — eleven activity levels BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- How existing promotions interact with status pricing BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Current securities dealing and administration prices BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Current cash-account interest and borrowing schedules BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Account and securities price schedule — July 2026 document BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Payment cutoffs and currency-conversion schedules BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Foreign-currency accounts and international dealing BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Foreign-currency account opening and dividend handling BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- German exchanges and trading venues BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- International exchange access BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Savings-plan schedules, funding and reinvestment BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Savings-plan fee schedule BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Share savings plans BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- ETF savings plans BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Investmentkonto — managed portfolios, entry amount and charges BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Options and futures — current service and market conditions BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- FutureBroking tariff effective 1 October 2026 BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- FutureTrader — functionality, access and retail futures restrictions BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Eurex short-option minimum-margin conditions BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Consorsbank launches UpTrade — 21 September 2026 BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- UpTrade knowledge guide, collateral and exit mechanics BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- UpTrade commission, expiry and currency schedule BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- CFD app — supported orders, account charges and risks BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- CFD special conditions — older public contract document BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Order types offered by Consorsbank BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Ordinary banking app order-type limitations BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Consorsbank Pro App — OCO, trailing and Nextorder status BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- ActiveTrader and ActiveTrader Pro software and subscriptions BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Short-selling agreement and collateral conditions BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Cash availability after a securities sale BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Incoming and outgoing securities transfer instructions BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Expected duration of securities transfers BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Foreign transfers and missing tax acquisition data BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Transfer of acquisition prices BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Why savings-plan fractions cannot be transferred BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Sale and redemption of fractional positions BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Consorsbank deposit and securities protection explanation BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Statutory deposit information — BNP Paribas branch brands BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Voluntary deposit protection — current and future ceilings BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- General conditions and consumer information effective June 2026 BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Order execution policy BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Conflicts and inducement disclosure — September 2026 BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- App device binding and two-factor authentication BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Using desktop banking with app approvals BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Tax information and current German withholding arrangements BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Tax-residency self-certification and foreign tax numbers BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- When a registration certificate is requested BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Opening an additional account as an existing customer BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Identity verification for a further account BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Complaints, service hours and escalation contacts BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Consorsbank history and brand development BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Consorsbank factsheet — 30 June 2026 BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Newsroom and professional media contacts BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Wertpapierkredit — borrowing rates, eligibility and collateral BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- StarPartner derivatives, minimum order and turbo knowledge check BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Consorsbank! Girokonto and payment card alternatives BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- Digital financial planner BNP Paribas S.A. Niederlassung Deutschland · Accessed 11 Oct 2026
- BNP Paribas announcement of the Consors acquisition — 2002 BNP Paribas · Accessed 11 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.