Postbank’s securities account combines online and app dealing with optional branch advice and telephone instructions. Custody and the associated Anlagekonto have no ordinary account fee. Exchange commissions depend on the order value and whether the execution venue is domestic or foreign; Direct Trade and ETF savings plans follow their own operational rules.[1][2][3][7]
Accounts and eligibility
Sections ↑Account comparison01
Online account eligibility
| Item | Details |
|---|---|
| Age and residence | At least 18 and resident in Germany for the online opening route.Source 1 |
| Reference account | A current account at a bank is required.Source 1 |
| Documents | Personal identification, tax ID and bank details; identity can be verified by video or PostIdent.Source 1 |
Account comparison02
Securities and settlement accounts
Products and market access
Sections ↑Specifications03
Investment access
| Item | Details |
|---|---|
| Listed and other securities | Shares, ETFs, bonds, certificates and funds within the available range.Source 1 |
| Markets | Domestic exchanges, selected foreign venues and Direct Trade partners.Source 1 |
| Product documents | Search by ISIN/WKN to access the applicable information and risk documents.Source 1 |
Specifications04
ETF savings-plan range
Trading and holding costs
Sections ↑Pricing & charges05
Account and cash charges
Pricing & charges06
Domestic online exchange orders
Pricing & charges07
Foreign online exchange orders
Pricing & charges08
Assisted dealing and external expenses
| Item | Details |
|---|---|
| Branch, telephone or other instruction | €13 above the corresponding online commission.Source 2Source 1 |
| Passed-through costs | Exchange, broker, delivery, tax and other applicable third-party expenses.Source 2Source 1 |
| Order changes | The product page lists no fee for changing or cancelling an order or an unexecuted limit order.Source 2Source 1 |
Pricing & charges09
Partial execution charging
| Item | Details |
|---|---|
| Same execution day | Commission uses the combined value of that day’s partial fills.Source 2 |
| Different days | Commission is calculated separately for each execution day.Source 2 |
| Implication | An order split across days can cost more than a single complete execution.Source 2 |
Pricing & charges10
ETF-plan execution waiver
| Item | Details |
|---|---|
| Current offer | €0 execution charge for eligible ETF savings plans until further notice.Source 3Source 2 |
| Standard schedule | The October 2026 price list retains €0.90 per ETF-plan execution.Source 3Source 2 |
| Other costs | ETF product costs and eventual sale charges remain relevant.Source 3Source 2 |
Pricing & charges11
Selected fund subscription charges
| Item | Details |
|---|---|
| Equity, mixed and property funds | 1.50% online; 3.50% via branch, phone or other channels.Source 2 |
| Bond funds | 1% online; 1.50% assisted.Source 2 |
| Money-market-like funds | 0% online; 0.50% assisted, for qualifying group/partner funds; a lower product-document maximum takes precedence.Source 2 |
Pricing & charges12
Optional administration
| Item | Details |
|---|---|
| Annual tax certificate | Free; a specially requested income statement costs €20.Source 2Source 1 |
| Withholding-tax reclaim | €41.65 per application.Source 2Source 1 |
| Foreign shareholder meeting | €100 to request attendance or register; a holdings certificate for self-registration is free.Source 2Source 1 |
Platforms, orders and execution
Sections ↑Process13
Placing an exchange order
| Item | Details |
|---|---|
| Search | Enter the WKN or ISIN, select purchase and specify quantity.Source 4 |
| Execution choices | Select a venue where available and set a limit if wanted.Source 4 |
| Approval | Review the order and authorise with BestSign; the submitted instruction appears in the order book.Source 4 |
Process14
An order status can lag
| Item | Details |
|---|---|
| Displayed value | An indicative order value is not the final execution price or all-in settlement amount.Source 7 |
| Cancellation | The bank must receive the request in time to prevent execution.Source 7 |
| Order book | The EBS terms say displayed status can be delayed; it is not decisive proof that an order is still cancellable.Source 7 |
Process15
Direct Trade quote acceptance
| Item | Details |
|---|---|
| Channels | Postbank Online-Banking and the Postbank app.Source 6 |
| Process | Choose Direct Trade, quantity and BestSign approval, then review the live offers.Source 6 |
| Short quote life | Quotes last only seconds; reload and reconfirm if the price changes before acceptance.Source 6 |
Process16
Direct Trade sessions
| Item | Details |
|---|---|
| Lang & Schwarz route | Published exchange-day window 07:30–23:00; Saturday 10:00–13:00 and Sunday 17:00–19:00.Source 6 |
| Other partners | Their product ranges and sessions differ; several listed routes close earlier.Source 6 |
| Costs | No exchange trading fee in Direct Trade; bank pricing and the dealer’s quoted price still matter.Source 6 |
Process17
Savings-plan controls
| Item | Details |
|---|---|
| Contribution | €25–€1,000 per execution in the published conditions table.Source 3 |
| Interval | Monthly, every two months or every three months in that table.Source 3 |
| Flexibility | The amount can be changed and the plan ended; use the actual available schedule when establishing the instruction.Source 3 |
Funding, settlement and transfers
Sections ↑Process18
Funding the Anlagekonto
| Item | Details |
|---|---|
| Before buying | Maintain enough cash for the full purchase and applicable charges.Source 1Source 4Source 3 |
| Recurring funding | The ETF guide describes transfers or a standing order into the Anlagekonto.Source 1Source 4Source 3 |
| Purpose | This cash account settles investment transactions; it is separate from the securities holdings themselves.Source 1Source 4Source 3 |
Process19
Securities transfers and income
Process20
Selling ETF-plan fractions
Custody and client protection
Sections ↑Protections & eligibility21
Deposit protection and bank identity
| Item | Details |
|---|---|
| Legal bank | Postbank is a branch of Deutsche Bank AG.Source 8 |
| Statutory scheme | Eligible deposits are protected through EdB up to €100,000 per depositor at the bank.Source 8 |
| Aggregation | Using the Postbank brand does not create a second independent Deutsche Bank deposit-protection limit.Source 8 |
Protections & eligibility22
Additional deposit scheme
| Item | Details |
|---|---|
| Membership | The bank also participates in the Association of German Banks’ voluntary deposit-protection fund.Source 8 |
| Conditions | Coverage depends on the fund statute, eligibility and applicable limits.Source 8 |
| Excluded instrument type | Bearer debt securities and comparable bearer certificates are not covered as ordinary deposits.Source 8 |
Protections & eligibility23
How securities are held
| Item | Details |
|---|---|
| Domestic custody | Eligible German securities are normally held through Clearstream Europe.Source 7 |
| Foreign custody | Usually in the instrument’s home market or country of purchase.Source 7 |
| Legal interest | Ownership, co-ownership or an equivalent local-law position depends on custody form; the contract note identifies the custody country.Source 7 |
Support, complaints and records
Sections ↑Process24
Documents and assistance
Process25
Recovering BestSign access
| Item | Details |
|---|---|
| Existing active device | Can approve a new BestSign setup by the described QR process.Source 5 |
| Android alternative | An eligible Postbank debit card can support the advertised activation route.Source 5 |
| Postal alternative | An activation code is sent by post; the page estimates about two to three working days.Source 5 |
Process26
Recorded communications and complaints
| Item | Details |
|---|---|
| Record copies | Request relevant recordings or meeting notes within five years, or seven where required by the supervisor.Source 7 |
| Contact | Ask the adviser or telephone customer service.Source 7 |
| Dispute escalation | The terms provide access to the Ombudsman of Private Banks procedure; the listed complaint email is [email protected].Source 7 |
Research and additional services
Sections ↑Availability27
Research and advice boundaries
| Item | Details |
|---|---|
| Electronic Broking Service | Provides portfolio information, instrument data, prices and available analysis.Source 7Source 1 |
| Digital authority | The EBS information service does not itself provide personal investment advice.Source 7Source 1 |
| Branch advice | Can be arranged as a separate bank service.Source 7Source 1 |
Availability28
BestSign device options
Company and service history
Sections ↑Regional comparison29
Operating structure
| Item | Details |
|---|---|
| Contracting provider | Deutsche Bank AG, through its Postbank branch.Source 7Source 8 |
| Product | Postbank Wertpapierdepot with the associated Anlagekonto.Source 7Source 8 |
| Contract documents | The October 2026 MiFID pack assembles bank, custody, execution and electronic-service conditions.Source 7Source 8 |
- Headquarters
- Germany
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 — Postbank branch
No separate licence entry is recorded in this panel.
Cost illustrations and practical implications
Sections ↑Scenarios30
Calculated domestic order example
Scenarios31
Calculated split-fill comparison
| Item | Details |
|---|---|
| Assumption | A €2,000 domestic online order, with €1,000 executed on each of two days.Source 2 |
| Two-day result | Two €9.95 commissions: €19.90 before outside charges.Source 2 |
| One-day result | €17.95 on the combined €2,000 value; the difference comes from daily charging.Source 2 |
Sources & further reading
- Postbank Wertpapierdepot: eligibility, account fees and instrument range Postbank Wertpapierdepot · Accessed 27 Oct 2026
- Postbank price and service schedule, October 2026: securities section Postbank Wertpapierdepot · Accessed 27 Oct 2026
- Postbank ETF savings plan: current waiver, amounts, intervals and fractional sales Postbank Wertpapierdepot · Accessed 27 Oct 2026
- Postbank: online securities-order workflow and BestSign confirmation Postbank Wertpapierdepot · Accessed 27 Oct 2026
- Postbank BestSign app: activation, existing-device approval and postal code Postbank Wertpapierdepot · Accessed 27 Oct 2026
- Postbank Direct Trade: quotes, channels and partner-specific dealing hours Postbank Wertpapierdepot · Accessed 27 Oct 2026
- Postbank MiFID start pack, October 2026: custody, communications and electronic broking Postbank Wertpapierdepot · Accessed 27 Oct 2026
- Postbank: Deutsche Bank branch and deposit protection Postbank 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.