Accounts & headline costs
Sections ↑maxblue is Deutsche Bank AG’s German service for self-directed securities investing. The ordinary depot, savings-plan arrangement, foreign-currency cash accounts and secured credit serve different purposes. Prices below were checked on 11 October 2026. The account is operated by the bank itself.[28]
Account comparison01
Account and service map
| Arrangement | Purpose | Main condition |
|---|---|---|
| maxblue Depot | One-off securities purchases and sales | Free depot and associated settlement-account administrationSource 1 |
| Wertpapier Sparplan | Recurring investment in selected securities | From €25; separate savings-plan cash/depot arrangementSource 4 |
| Depot for children | Investments legally held for a minor | Legal representatives manage it until age 18Source 5 |
| Foreign-currency Depotkonto | Hold and settle in seven supported currencies | Requires an existing or newly opened maxblue DepotSource 10 |
| DepotKredit | Credit secured by eligible depot securities | Separate approval and an adequate collateral valueSource 15 |
Pricing & charges02
Headline broker charges
| Item | Published charge | Scope |
|---|---|---|
| Online ordinary order | 0.25%; €8.90 minimum, €58.90 maximum | Per transaction; venue and other charges belowSource 2 |
| Recurring savings-plan ETF / share / ETC purchase | 1.25% of purchase value before promotions | Savings-plan sales use ordinary depot pricingSource 4 |
| Foreign-currency cash interest | 0% currently | Holding a currency is not an interest-bearing investmentSource 10 |
| DepotKredit borrowing | 5.15% nominal annual rate, variable | Only the amount actually drawn bears interestSource 15 |
Account comparison03
Who can apply, and through which route
| Applicant | Published route | Qualification |
|---|---|---|
| Adult individual | Online application, then identity verification | Standard route: 18+, private individual, permanent German residenceSource 6 |
| Joint holders | Printed online application signed by both; PostIdent or branch | Both applicants must complete identificationSource 6 |
| Foreign registered address | Deutsche Bank branch only | Acceptance remains subject to the bank’s requirementsSource 6 |
| Legal person | Deutsche Bank branch only | The ordinary online application is for natural persons with a German addressSource 6 |
Account comparison04
Opening a child’s depot
| Situation | Process | Ownership point |
|---|---|---|
| Child up to age 15; a representative already banks with Deutsche Bank | Online/app application and birth certificate; second guardian’s consent if applicable | The child is the account holderSource 5 |
| Age 16–17, or representatives are new customers | Printed application and original identity documents in a branch | All legal representatives sign unless sole representation is evidencedSource 5 |
Products & platforms
Sections ↑The documented brokerage range is built around securities. Product form matters: shares, fund units, debt securities and issuer-created leveraged products expose the investor to different rights and risks.[22]
Reference table05
Main investment categories
| Category | Available form | Useful distinction |
|---|---|---|
| Shares | Domestic and overseas listed securities | Company ownership and market-price riskSource 1 |
| Investment funds | Selected public fund units | Fund dealing can use a fixed-price subscription/redemption routeSource 21 |
| ETFs | Exchange-traded funds | Trading spread and fund expenses remain even under a commission offerSource 13 |
| ETCs | Exchange-traded commodity securities | Inspect legal structure and issuer/collateral riskSource 23 |
| Bonds | Government and corporate debt securities | Credit, interest-rate and liquidity risks differ by issueSource 23 |
| Warrants and certificates | Securitised derivatives, including leveraged products | A listed product can lose its entire purchase priceSource 14 |
Platforms & products06
Platform and information channels
| Channel | Documented role | Boundary |
|---|---|---|
| Deutsche Bank online banking | Authenticated portfolio and transaction management | Separate from public research pagesSource 22 |
| Deutsche Bank mobile app | Mobile access to self-directed investing | Available instructions depend on the product and accountSource 22 |
| Direct Trade | Live partner-price comparison and online orders | Its special quote and execution terms applySource 9 |
| Research and learning pages | Bank analysis, market commentary, videos and tutorials | Information supports the customer’s own decisionSource 29 |
The facts07
Research and risk classification
| Measure | Value | Context |
|---|---|---|
| Research provider | maxblue gives access to Deutsche Bank research, market commentary and investor education; the relationship with the bank should be considered when reading its materials. | Source 29 |
| Knowledge assessment | Product risk classes distinguish instrument risks and required experience. A completed knowledge questionnaire does not guarantee that an investment will meet a personal objective. | Source 23 |
| Money-market investments | Money-market funds and ETFs have security dealing mechanics and product expenses. Their yields and prices can change; they are not the same contract as a cash deposit. | Source 32 |
Fees & holding costs
Sections ↑Read the transaction-specific cost information before confirming an order. It separates investment expenses and service costs, explains assumptions and shows their estimated effect on return. The annual report then records costs actually incurred.[21]
Pricing & charges08
Venue and assisted-order additions
| Component | Bank charge | Application |
|---|---|---|
| Xetra | €2 | Added to base commissionSource 3 |
| German floor exchange | €4.50 | Added to base commissionSource 3 |
| NYSE, AMEX or Nasdaq | €15 | Added to base commissionSource 3 |
| Other exchanges | €29 | Added to base commissionSource 3 |
| Order placed offline | €14.90 | Additional handling for telephone, letter or fax instructionsSource 3 |
Pricing & charges09
Illustrative ordinary commission only
Pricing & charges10
ETF lump-sum purchase offer
| Condition | Current published treatment |
|---|---|
| Eligible issuers | Amundi, iShares, Vanguard and Xtrackers ETFsSource 13 |
| Minimum and charge | From €1,000 per purchase; €4.90 order commissionSource 13 |
| Venue and duration | German domestic exchanges or Direct Trade; through 31 December 2026Source 13 |
| Exclusions | Leveraged and short ETFs; ordinary sales are not coveredSource 13 |
Pricing & charges11
Savings-plan promotions
| Investment | Published concession | Limit |
|---|---|---|
| Eligible ETFs | €0 purchase charge on the first €250 per ETF instalment | 1.25% applies only to the part above €250Source 12 |
| Selected investment funds | 100% discount on the entry charge | 38 selected funds; current list determines eligibilitySource 4 |
| Savings-eligible shares | 50% discount on standard purchase commission | Applies to qualifying recurring share purchasesSource 4 |
Pricing & charges12
ETF instalment arithmetic under the offer
Pricing & charges13
Frequent-trader qualification
| Executed transactions in six months | Following discount | When it starts |
|---|---|---|
| At least 125 | 10% off eligible ordinary commission | After the relevant half-year qualification periodSource 11 |
| At least 250 | 20% off eligible ordinary commission | After the relevant half-year qualification periodSource 11 |
| April–September qualification | October–March discount period | New/changed tier starts 7 OctoberSource 11 |
| October–March qualification | April–September discount period | New/changed tier starts 7 AprilSource 11 |
Pricing & charges14
Selected structured-product Freetrade campaign
| Condition | Published scope |
|---|---|
| Commission waiver | €0 ordinary order commission on eligible purchases and sales from €1,000 per orderSource 14 |
| Issuers and route | Specified BNP Paribas, J.P. Morgan, UniCredit and Vontobel products; Direct Trade or StuttgartSource 14 |
| Offer period | 4 May–31 December 2026, subject to the current issuer/product listSource 14 |
| Costs remaining | Product costs, relevant venue additions and offline handling are outside the waiverSource 14 |
Pricing & charges15
Tuesday Happy Hour for shares
| Term | Published condition |
|---|---|
| Eligible execution | Online share purchases and sales through Direct Trade, Tuesdays 18:00–20:00 German timeSource 35 |
| Discount | 50% off applicable stock order commission; qualifying frequent-trader reductions can already form part of that commissionSource 35 |
| Minimum / exclusions | No minimum order value; exchange orders and offline handling are excludedSource 35 |
| Duration | The bank can change or terminate the offer; execution time determines eligibilitySource 35 |
Special transactions and financed balances
Pricing & charges16
Other charges worth identifying
Currency conversion costs
The facts17
Foreign exchange is a separate cost
| Measure | Value | Context |
|---|---|---|
| Conversion pricing | The exchange rate incorporates the bank’s currency-specific adjustment. Holding a foreign-currency settlement account can avoid repeated conversions when matching cash is available. | Source 10 |
| The tariff’s unit | Part D expresses retail adjustments in units of the relevant currency, not a single universal percentage. A displayed interbank/reference rate is therefore not automatically the customer’s executable rate. | Source 3 |
Execution & trading rules
Sections ↑An order route determines the counterparties, pricing process and available session. Direct Trade also includes access to a Stuttgart MTF for certain structured securities, so its terms do not describe every trade as an identical bilateral transaction.[9]
Reference table18
Direct Trade execution controls
| Point | Practical consequence |
|---|---|
| Partner quote | The partner can update or withdraw its price; a displayed quote is not an unconditional promise to executeSource 9 |
| Order confirmation | Execution or rejection must be checked; changed prices can require a new instructionSource 9 |
| Session authorisation | A sessionTAN can authorise later Direct Trade transactions during the session; Use only on a controlled device and close the session when finishedSource 9 |
Trading & service hours19
Selected published dealing windows
| Route / partner | Local German time | Scope |
|---|---|---|
| Baader Bank | Business/exchange days 07:30–23:00 | Shares, bonds and funds/ETFsSource 8 |
| Lang & Schwarz | Business/exchange days 07:30–23:00 | Saturday 10:00–13:00; Sunday 17:00–19:00Source 8 |
| Tradegate | Business/exchange days 07:30–22:00 | Shares, bonds and funds/ETFsSource 8 |
| Many structured-product partners | Business/exchange days 08:00–22:00 | Each partner/security has its own availabilitySource 8 |
Reference table20
Savings-plan execution
| Stage | Published mechanics |
|---|---|
| Cash cut-off | Balance present at the start of the preceding bank working day is usedSource 7 |
| Investment date | 20th of the month, or the following bank working daySource 7 |
| Fractional purchases | Up to four decimal places where the amount does not buy whole unitsSource 7 |
| Unfilled instruction | Can remain valid to month-end; uninvested cash remains in the savings accountSource 7 |
The facts21
Reading the order result
| Measure | Value | Context |
|---|---|---|
| Execution-only decision | The bank’s knowledge/experience assessment is distinct from investment advice. The investor chooses the security and remains responsible for that choice. | Source 22 |
| Cost estimate versus outcome | Ex-ante information is an estimate based on stated assumptions. Execution statements and the annual costs report show the result of actual activity. | Source 21 |
Funding, withdrawals & transfers
Sections ↑The depot’s cash account is intended for investment settlement. A securities sale, the crediting of proceeds and the withdrawal instruction are separate operations.[7]
Reference table22
Cash-account operation
| Need | Published arrangement |
|---|---|
| Ordinary funding | Transfer money to the associated cash account; hold enough for the intended order and costsSource 22 |
| Daily banking | Depotkonto is not a normal account for ongoing payment traffic or direct debitsSource 7 |
| Withdraw cash | Transfer to another own bank subaccount or an eligible payment accountSource 7 |
| Borrow | Use an expressly agreed DepotKredit; ordinary account overdrafts are not permittedSource 16 |
Reference table23
Moving investments
| Step | What matters |
|---|---|
| Open receiving depot | Use the new depot identification in the transfer instructionSource 19 |
| Instruct the old institution | Custody type and delivering institution determine the processing timeSource 19 |
| Plan availability | Confirm when transferred securities become tradable and tax acquisition data have arrivedSource 19 |
Reference table24
Current portfolio-transfer bonus
| Condition | Published rule |
|---|---|
| Minimum qualifying value | €5,000 transferred or qualifying new cash invested in securitiesSource 20 |
| Bonus | 0.5%; maxblue maximum €500 per customer, counting relevant awards since 1 January 2023Source 20 |
| Holding requirement | Maintain qualifying value/equivalent and the relevant 31 December 2025 relationship balance for one yearSource 20 |
| Application and end date | Claim within three months; current offer ends 31 December 2026Source 20 |
Custody, protections & risk
Sections ↑Deutsche Bank’s legal identity determines cash protection. Securities custody, a secured loan and an issuer’s promise under a certificate are different obligations; deposit insurance does not guarantee a portfolio’s market value.[34][37]
Protections & eligibility25
Cash deposit protection
| Feature | Scope |
|---|---|
| Statutory scheme | Entschädigungseinrichtung deutscher Banken GmbH (EdB)Source 36 |
| Ordinary limit | €100,000 per eligible depositor per credit institutionSource 36 |
| Shared brands | Deutsche Bank, Postbank, DSL Bank, FYRST and maxblue deposits aggregateSource 36 |
| Joint account | Limit applies to each eligible depositor’s shareSource 36 |
| Standard payout period | Seven working days after the compensation trigger; EUR paymentSource 36 |
Protections & eligibility26
Other forms of protection
| Asset / issue | Relevant treatment | Boundary |
|---|---|---|
| Additional bank-deposit protection | Deutsche Bank participates in the voluntary banking-association fund | Its eligibility, exclusions and limits differ from statutory EdB protectionSource 34 |
| Securities held in custody | Ownership/delivery rights are distinct from an ordinary bank deposit | Market and issuer losses are not deposit-insurance claimsSource 37 |
| Investor compensation | Statutory arrangements address defined investment-service repayment failures | Coverage depends on the claim and institution, not a falling share priceSource 37 |
| Bank-issued bearer debt / certificates | Issuer repayment risk | Bank-deposit cover does not extend to these securities merely because a bank issued themSource 34 |
Reference table27
DepotKredit collateral rules
| Issue | Published consequence |
|---|---|
| Collateral value changes | The bank monitors both market values and lending percentagesSource 17 |
| Typical share ceilings | EUR blue chips up to 60%; foreign-currency blue chips up to 50%; smaller stocks up to 40%; Individual assets can receive lower or no lending valueSource 17 |
| Shortfall | Additional collateral, portfolio adjustment or repayment may be requiredSource 18 |
| Termination | Credit is of indefinite duration and can be terminated under its terms; amounts drawn remain repayableSource 18 |
The facts28
Control of a financed position
| Measure | Value | Context |
|---|---|---|
| Credit limit is not cash equity | The maximum permitted draw depends on both the contractual ceiling and current collateral. Interest accrues on the borrowing even if investments fall. | Source 18 |
| No guaranteed stop mechanism inferred | A secured loan is not the same as a retail CFD account with a stated negative-balance rule. Review the lending agreement and available liquidity before drawing. | Source 18 |
Support & account assistance
Sections ↑maxblue distinguishes general service, technical support and security incidents. The broad customer-service opening hours do not mean that every market or specialist instruction is available around the clock.[26]
Published customer and technical contacts
maxblue customer serviceTelephone
Customer service emailEmail
[email protected]Source 26
Scope General service enquiries; use authenticated routes for instructions
Technical supportTelephone
+496991010030Source 26
Scope Technical questions
Hours Monday–Sunday, 07:00–22:00; public holidays included
Contact formWebsite
https://www.maxblue.de/service-kontakt/services/kontakt.htmlSource 26
Scope Official contact and application-follow-up routes
Security and complaint channels
Security incident emailEmail
Bank complaint emailEmail
[email protected]Source 28
Scope Deutsche Bank complaint route; identify the relevant maxblue account/service
Private banks ombudsmanEmail
Reference table29
Service administration
| Need | Published route |
|---|---|
| Paper correspondence | Deutsche Bank AG, maxblue Kundenservice, 04024 LeipzigSource 26 |
| Tax and product forms | Official maxblue form directory includes exemption, loss-certificate and product documentsSource 27 |
| Account safety | Use the bank’s current security instructions and incident channelsSource 33 |
Additional investment & banking services
Sections ↑Reference table30
Recurring investment design
| Choice | Published flexibility |
|---|---|
| Frequency | Monthly, every two months, quarterly, half-yearly or annuallySource 4 |
| Investment selection | Up to three securities per plan; change the selection or pause/change the amountSource 4 |
| Extra cash | Unscheduled payments follow the allocation and applicable execution processSource 7 |
Reference table31
ZinsMarkt fixed-term deposits
| Question | Published arrangement |
|---|---|
| Access | Use a maxblue settlement account or Deutsche Bank account through online bankingSource 30 |
| Provider | Selected partner banks provide the fixed-term depositsSource 30 |
| Protection | Relevant partner-bank deposit scheme and aggregation applySource 30 |
| Rate and term | Inspect the chosen deposit offer and its maturity/access conditionsSource 30 |
Account comparison32
Digital wealth management availability
| Linked service | Status checked 11 October 2026 | Implication |
|---|---|---|
| ROBIN / Deutsche Bank digital wealth management | The linked bank page says no new contracts are currently offered while the service is being worked on | Do not treat a navigation link or historical tariff as a currently open managed-account offerSource 31 |
Reference table33
Records and cost transparency
| Document / service | Use |
|---|---|
| Order cost information | Review product costs, broker costs, inducements and holding assumptionsSource 21 |
| Monthly depot cash statement | Digital mailbox is activated when the account opensSource 7 |
| Tax forms | Use current exemption and loss-certificate forms with the correct account identitySource 27 |
Company background & evidence
Sections ↑Entities & regulation34
Brand and legal operator
| Item | Established information |
|---|---|
| Brand history | maxblue has offered self-directed securities dealing since 2001Source 29 |
| Legal operator | Deutsche Bank AG, Taunusanlage 12, 60325 Frankfurt am MainSource 28 |
| Corporate register | Frankfurt am Main HRB 30000; a company-register number, not a brokerage licence numberSource 28 |
| Supervisory listing | The ECB list with 1 July 2026 cut-off names Deutsche Bank AG as a directly supervised significant credit institutionSource 38 |
The current bank imprint identifies ECB and BaFin supervision. The ECB named-entity list corroborates the operator; a complete current BaFin permissions extract was not obtained for this review, so no separate numeric BaFin reference is presented as independently verified.[28][38]
Reference table35
Commercial relationships and source limits
| Evidence | What to take from it |
|---|---|
| Issuer-funded promotions | Selected issuer/depot arrangements reimburse eligible commissions; investment and venue costs can continueSource 14 |
| Fund distribution | The bank may receive distribution payments disclosed in the investment documentationSource 24 |
| Research relationship | Bank-provided analysis and education do not change the execution-only nature of the accountSource 29 |
| Document hierarchy | The current detailed tariff governs charge components; a headline comparison does not show every external feeSource 21 |
- Headquarters
- Frankfurt am Main, Germany (Deutsche Bank AG)
- Founded
- 2001 (maxblue service launch)
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Deutsche Bank AG
No separate licence entry is recorded in this panel.
Additional Information
Sections ↑Select the ownership structure, intended assets and settlement currencies before opening. A child’s depot, a joint account and a foreign-address application require different documentation even though they share the maxblue brand.[5][6]
Reference table36
Complaints, cancellation and account closure
| Need | Published position |
|---|---|
| Raise a complaint | Use the bank’s complaint email, telephone, branch or written route; retain the account and transaction detailsSource 28 |
| Independent resolution | Deutsche Bank participates in the private-banks ombudsman processSource 28 |
| Cancel the framework contract | A contractual withdrawal right does not reverse executed market transactions automaticallySource 25 |
| Close the cash account | Normally close the associated depot too, or establish another permitted settlement account under the same customer numberSource 7 |
The facts37
Practical checks before dealing
| Measure | Value | Context |
|---|---|---|
| A promotion has a defined product and route | Check issuer, minimum order, purchase-versus-sale scope, execution venue and end date on the order being placed. | Source 13Source 14 |
| Borrowing needs its own liquidity plan | Collateral can fall in value or eligibility while interest remains payable. Check both the drawn amount and the available lending value. | Source 17 |
| A managed service needs to be open | The presently closed ROBIN new-business route should be checked again before treating it as an available alternative. | Source 31 |
Sources & further reading
- maxblue Depot: custody, settlement account and core brokerage Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Published standard dealing and ETF savings prices Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Deutsche Bank price and service schedule, 1 October 2026, maxblue C1.4 Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Wertpapier Sparplan: investment choices, instalments and charging Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Depot for children: account ownership and age-specific opening routes Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Account eligibility, joint and corporate applications and account administration Deutsche Bank / maxblue · Accessed 11 Oct 2026
- General product conditions, 15 July 2026: cash and savings-plan operation Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Direct Trade: partner directory and trading hours Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Direct Trade terms, April 2025: quotes, execution, consent and mistrades Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Seven-currency settlement accounts and live currency exchange Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Frequent-trader discount: thresholds, periods and exclusions Deutsche Bank / maxblue · Accessed 11 Oct 2026
- ETF savings promotion through 31 December 2026 Deutsche Bank / maxblue · Accessed 11 Oct 2026
- ETF lump-sum purchase promotion through 31 December 2026 Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Selected structured-product promotion, 4 May–31 December 2026 Deutsche Bank / maxblue · Accessed 11 Oct 2026
- DepotKredit: variable interest and the pledged portfolio Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Current price notice: DepotKredit and tolerated overdrafts, section 8.2 Deutsche Bank / maxblue · Accessed 11 Oct 2026
- How security-specific collateral percentages are determined Deutsche Bank / maxblue · Accessed 11 Oct 2026
- DepotKredit product bundle: funding, collateral and termination risks Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Moving an existing portfolio to maxblue Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Portfolio-transfer bonus conditions, 1 January 2026 Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Transaction-specific and annual cost disclosure Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Consumer information: execution-only maxblue Depot and settlement account Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Instrument risk classes and investor knowledge Deutsche Bank / maxblue · Accessed 11 Oct 2026
- General terms, securities custody and investment-service information Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Precontract information and withdrawal from the framework agreement Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Customer, technical and security contact channels Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Forms for account, tax and product administration Deutsche Bank / maxblue · Accessed 11 Oct 2026
- maxblue imprint: Deutsche Bank AG and complaints Deutsche Bank / maxblue · Accessed 11 Oct 2026
- maxblue history, research and investor education Deutsche Bank / maxblue · Accessed 11 Oct 2026
- ZinsMarkt: separate partner-bank fixed-term deposits Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Digital wealth management: new applications currently unavailable Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Money-market funds and ETFs: trading and cost distinctions Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Deutsche Bank digital security and incident assistance Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Deutsche Bank deposit protection and its voluntary fund Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Tuesday stock-dealing promotion: execution window and commission discount Deutsche Bank / maxblue · Accessed 11 Oct 2026
- Deutsche Bank depositor information: shared brands and statutory protection Deutsche Bank AG · Accessed 11 Oct 2026
- Deposit protection, securities ownership and investor compensation Bundesanstalt für Finanzdienstleistungsaufsicht · Accessed 11 Oct 2026
- ECB supervised-entity list, cut-off 1 July 2026 European Central Bank · 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.