Invest for free until retirement
Up to 540 € per year in state subsidies with the Altersvorsorgedepot.
Available for free. No custody fees or costs for Savings Plans executions.
No product costs for dozens of ETFs from Blackrock, Vanguard, and DWS.
Investments grow your money, but every investments involves risks.
Earn while you spend
Save now for later
Trusted by millions
Over 10 million customers across 18 European countries.
More than 150 billion euros of assets from our customers.
Talk to us anytime via live chat or phone. Speak directly with our team of experts.
Orders executed at the Best Price across all relevant exchanges against Spinvest Republic.
FAQ
Over the past years, we have built a powerful digital financial institution with modern technology. Like many other brokers, we receive rebates from trading partners. As a result, we can free you from high order commissions through our efficient structures. When placing an order, Savings Plans are free of brokerage fees and there is one euro for single trades plus third party costs and spreads, but no order commission.
All Spinvest Republic cards are subscription free. You have the choice between a virtual card (free), classic card (5 € one-time payment) and mirror card (50 € one-time payment). Spinvest Republic doesn’t charge fees for transactions or any ATM withdrawals above 100 €. For non-euro transactions, no additional bank fees are charged.Spinvest Republic Bank GmbH is a full German bank. We are supervised by the BaFin (Federal Financial Supervisory Authority) and offer you the usual reliability and security of a German full bank. The money you pay in is held in one or, in principle, equally divided between two omnibus trust accounts with banks that are also authorized to conduct deposit business. These are currently Deutsche Bank AG, J.P. Morgan SE, HSBC Continental Europe S.A and Citibank Europe plc. For higher balances your funds are further diversified in liquidity funds, as detailed below "How is my money protected".
The Altersvorsorgedepot is a new, state-subsidized investment account for private retirement savings. It replaces the previous Riester pension and takes a simpler, return-oriented approach. Unlike traditional Riester products, which mostly ran through insurance contracts with contribution guarantees, this account invests directly in the capital markets.
It is set to launch on January 1, 2027. Spinvest Republic will offer the Altersvorsorgedepot from the start.
The state supports investing in stocks and ETFs with subsidies of up to 540 €. Young savers also benefit from a career starter bonus. Anyone who opens an Altersvorsorgedepot before turning 25 receives a one-time bonus of 200 €. Parents additionally receive a child bonus of up to 300 € per child per year. Dividends and capital gains remain tax-free during the savings phase, with taxation only applying upon payout in retirement.Customer funds are either held partially in omnibus trust accounts at partner banks or diversified into money market funds.
Customer funds held in an omnibus trust account at Spinvest Republic’s trusted partner banks are protected by the deposit guarantee scheme of the respective partner bank up to 100,000 € per customer. Partner banks are currently Citibank Europe plc, Crédit Agricole CIB, Deutsche Bank AG, HSBC Continental Europe S.A., J.P. Morgan SE, Natixis CIB, Société Générale and SEB AB.
The funds diversified across liquidity funds are held directly in a separate custody account. These assets are strictly safeguarded and held segregated from Spinvest Republic’s own assets. They are protected without limit.
The securities in your custody account are not covered by the deposit guarantee scheme, they are your property instead. They are held by Spinvest Republic Bank GmbH in the respective domestic and international depositories. Therefore, the securities are always yours.Reach us 24/7 via call or live chat, directly in your app. Speak with our team of over one thousand experts, no chat bots. No extra fees.