Upvest and Franklin Templeton power Finanzguru’s new Altersvorsorgedepot

• Finanzguru will offer the new Altersvorsorgedepot (AVD) directly in its app, guided by its AI companion and backed by personal advice, using Upvest’s investment infrastructure and Franklin Templeton’s investment solutions
• As the investment infrastructure provider, Upvest manages the full AVD lifecycle, from real-time account opening and fractional investing from €1 to contributions, government bonus administration, transfers, payouts, and more
• Franklin Templeton, a global asset manager with more than $1.8 trillion in assets under management, will act as the certified product solutions provider bringing its global investment expertise and long-standing experience in retirement provision

Frankfurt / Berlin, 29. October 2026 – Finanzguru, one of Germany’s leading AI-based finance apps, has selected Upvest, Europe’s leading investment infrastructure provider, and Franklin Templeton, one of the world’s largest asset managers, to launch its Altersvorsorgedepot. In the partnership, Finanzguru provides the app, customer interface and advice experience; Upvest provides the investment infrastructure and operational services, including account opening, trading, settlement, custody, contributions, government bonus administration, transfers and payouts; and Franklin Templeton provides the underlying investment solutions. For the first time, Finanzguru, which already helps more than four million end users understand and manage their money, will extend its offering to state-subsidised, capital market-based retirement savings.

The Altersvorsorgedepot is a chance to offer pension products for the way people manage money today: online, in real time, with smart guidance. Finanzguru’s AI companion already sorts end users’ transactions, detects contracts, and answers questions about their finances. From 1. January 2027, the app will be able to do the same for retirement: show end users, in clear language and in real time, how much they could set aside each month, which government bonuses they may be eligible for, and how their savings are developing. Every decision stays with the end user, and personal advisers are available for anyone who wants to dive deeper.

To make this work, AI needs real-time, accurate investment data. As Finanzguru’s investment infrastructure partner, Upvest provides exactly that through its API-first platform. Every order, holding, and contribution is available in real time, so Finanzguru’s AI always works with the end user’s current portfolio. Upvest also operates the investment account infrastructure across the full pension-product journey, from account opening to pension payout.

For Finanzguru’s end users, this means that for the first time they can receive government bonuses on a pure investment account and invest their retirement savings directly in the capital markets. They will be able to open their AVD account digitally and instantly, directly in the Finanzguru app. In the background, Upvest executes and settles every order, holds end users’ investments in custody, processes contributions, manages government bonuses, handles transfers and payouts, and connects with the relevant authorities on behalf of Franklin Templeton. 

The partnership demonstrates the speed at which a digital finance app can launch a new product, backed by a global asset manager, without the need to build the underlying infrastructure itself. Upvest already powers investing for leading fintechs and banks such as Revolut, N26, bunq and DKB, and supports more than 20 financial institutions and fintechs with AVD go-lives during 2027.

“Our end users already manage their finances with Finanzguru every day. The Altersvorsorgedepot is the natural next step: helping them actively shape their financial future using the capital markets, either with personal advice or completely digitally, whichever they prefer. With Upvest’s modern infrastructure and Franklin Templeton’s investment expertise, we can offer a product that is as simple, digital, and transparent as people expect from Finanzguru.”
Alexander Michel Founder of Finanzguru

“Franklin Templeton brings global investment expertise and many decades of experience in designing and managing investment solutions for retirement. That experience spans asset allocation, portfolio construction and ongoing investment management, all focused on helping people build wealth for later life. We bring these capabilities to Germany’s new Altersvorsorgedepot through investment solutions that partners can integrate into their own offerings. By combining our expertise with Finanzguru’s digital reach and personal advice, and Upvest’s investment infrastructure, we can make capital market-based retirement provision more widely accessible, directly where people already manage their finances”  
‍Christian Machts Head of Germany and Austria at Franklin Templeton

“AI is changing how people manage their money, but it’s only as good as the infrastructure behind it. An AI companion can’t guide someone through their retirement savings if it works with yesterday’s data. Finanzguru is showing what an AI-first pension product looks like, and we’re proud to provide the real-time foundation that makes it possible at scale.”
‍Martin Kassing
CEO and Founder of Upvest

About Finanzguru
Finanzguru is one of Germany’s leading AI-based fintech companies. More than four million people use the platform of dwins GmbH, based in Frankfurt am Main, to organise their finances digitally, from accounts, contracts and payments to budgets, insurance and savings potential, all in one app. Finanzguru has a team of around 200 employees. With the Altersvorsorgedepot from 2027, Finanzguru is extending its offering to state-subsidised, capital market-based private retirement provision. 

About Franklin Templeton

Franklin Templeton is a trusted investment partner, delivering tailored solutions that align with clients’ strategic goals. With deep portfolio management expertise across public and private markets, we combine investment excellence with cutting-edge technology. Since our founding in 1947, we have empowered clients through strategic partnership, forward-looking insights, and continuous innovation – providing the tools and resources to navigate change and capture opportunity. To learn more, visit franklintempleton.com and follow us on LinkedIn. Franklin Resources, Inc. [NYSE: BEN] 

With more than $1.8 trillion in assets under management as of September 30, 2026, Franklin Templeton operates globally in more than 35 countries.

About Upvest
Upvest is a technology company and investment firm that provides banks, brokers, and wealth managers with modern API-based investment infrastructure. In addition to software, it provides trading, settlement, custody, and back-office services on behalf of its clients. This enables financial institutions to modernise their investment operations comprehensively and cost-effectively, and to grow profitably. Upvest's clients include fast-growing fintechs such as Revolut, N26, bunq, Qonto, and Raisin, as well as digital banks like DKB and Openbank (Santander).

Founded in 2017, Upvest has 300 employees and processes over 100 million trades per year. The company continues to be independently managed by its founders Martin Kassing, Dr. Til Rochow, and Tobias Auferoth, and is securely financed for the long term by investors including Sapphire Ventures and Bessemer Venture Partners.

Press contact Finanzguru
Carina Frankenberger
presse@finanzguru.de 

Press contact Franklin Templeton
Oliver Trenk
oliver.trenk@franklintempleton.de

Press contact and release distribution Upvest
Julieta Varsano
press@upvest.co