Offer modern wealth, trading, and pension products that your end users will love.
Whether you are launching investments from scratch or want to modernise your existing offer, Upvest offers trading and wealth functionality via a single API.
With increasing digital adoption and the upcoming generational wealth transfer, Germany is the most interesting opportunity in Europe.
Capture a first-mover advantage by offering the new pension products (Altersvorsorgedepot and Frühstart-Rente) from day one.
Investment infrastructure across brokerage, settlement, and custody
Full investment firm licence coverage by Bafin*
Embedded middle- and back-office services for investment operations
Be ready the moment the reform takes effect on 1. January 2027 to attract new end users and secure the first wave of Riester conversions.
Bonus of up to 540€ per year
Up to €300 per child annually (for account holders with children)
A one-time €200 for young savers who open an account before age 25
No capital gains tax during accumulation phase (until retirement)
From the mandatory Standarddepot to discretionarily managed or self-directed Altersvorsorgedepot to Auszahlungsdepot, covering the full range of pension investment models
Fully digital, instant account creation and onboarding capturing and validating all required data points, eligibility, and compliance checks
Continuous management of contributions and contribution limits while handling recurring and one-off buy and sell orders, including automated pay-out plans upon retirement
End-to-end management of government bonus applications, including automated connectivity to the authorities (ZfA, ZfDR, and BZSt). Upvest handles the full bonus application process, bi-directional data exchange, payments and reinvestments, and regulatory reporting
Specialised tax accounting with allocation across all pension tax pots (Steuerliche Bestandsführung)
Handling of end-user level account, tax, and regulatory reporting, including product information sheet and ongoing reports such as yearly account statements (Jahresbescheinigung §92 EStG), yearly information (§7a AltZertG), and investment reports (order reports or MiFIR reporting)
End-to-end processing between the ceding provider and ZfA with transparency of transfer progress and expected completion dates
Deepdive
Learn more about integrating and launching a modern German pension offering via Upvest.
Empower the next generation of investors from an early age.
Note: the Frühstart-Rente is pending final legislation.
€10 per month in government subsidies paid directly into the account from age 6
Returns are tax-deferred throughout the entire savings phase
At 18, ownership transfers to the child, who can continue contributing until retirement
Parents and guardians can contribute by investing in diversified, tax-deferred products
Fully digital, instant account creation and onboarding that captures and validates all required user data points, eligibility, and compliance checks
Automatic handling of parental and guardian permissions, contribution schedules, and beneficiary transfers. Transfer of ownership automatically takes place once the child reaches 18 years of age
Continuous management of contributions and contribution limits while handling recurring and one-off buy and sell orders
Automated connectivity to ZfA and ZfDR, bonus administration and investments on behalf of end users and ongoing management of all relevant bonus processes (e.g. reporting of pay-outs, ordinary and extraordinary data exchange)
Specialised tax accounting with allocation across all pension tax pots (Steuerliche Bestandsführung)
Provision of end-user (e.g. order reports, annual account statements) and regulatory reporting (e.g. MiFIR)
Launch flexible and localised securities accounts to capture investment activity year-round and increase user engagement.
Fully digital, with seamless onboarding
Fractional trading across all asset classes
Individual, child, joint, and business accounts are available to match various needs
Invest, trade, and monitor all from one account
Offer real-time fractions from €1 as well as recurring investment plans across all asset classes and markets in any currency
Deliver personalised investment experiences with multi-asset model or end-user portfolios (custom instrument weightings and rebalancing logic)
Manage the full end-user lifecycle, including account opening, funding, and management, reporting (with tax certificates), and corporate actions
Offer investments at lowest cost on the market via high levels of automation and low operational complexity
Live demo
Bring fractional investments, savings plans, and portfolios to life with Upvest’s personalised demo.