FIL Fondsbank

What FIL Fondsbank does

FIL Fondsbank GmbH (FFB) is a German investment platform and subsidiary of Fidelity International that provides fund and ETF depot services to retail investors and independent financial advisors in Germany. The company is organized as a private German limited liability company (GmbH), headquartered in Kronberg im Taunus, with operations serving the DACH region and a reported headcount in the 101-250 range. Its core product is the FFB FondsdepotPlus, an investment depot through which customers can access over 12,000 funds and 1,300 ETFs from more than 300 product partners; this is supplemented by life-stage depot products including FFB FondsdepotJunior (children's savings), FestgeldPlus (fixed-term deposit at up to 2.35% p.a.), FFB Kredit (a securities-backed credit facility), and Sparplan (recurring savings plans). The platform manages approximately €49.5 billion in assets across more than 700,000 customer depots, with new products such as the FFB Altersvorsorgedepot tied to Germany's planned January 2027 state-subsidized retirement depot framework under preparation.

FFB's technology stack centers on an online depot platform (FFB Onlinedepot) and a mobile application (FFB App), together with a dedicated advisor portal at fondsgespraeche.ffb.de that delivers client management, reporting, and model portfolio tools to independent financial advisors. Distribution is dual-channel: direct self-serve via web and app for retail customers, and an indirect channel through a network of independent financial advisors (Finanzberatende) who use FFB's tools to serve their end clients, supported by a public advisor finder (Beratersuche). The company is BaFin-regulated as a German depot bank, and distribution content is enriched through the Fondsgespräche content platform, which aggregates educational and product material from external asset managers including Carmignac, Franklin Templeton, DWS, ACATIS, DPAM, Pictet, Principal, AQUIS Capital, and SIA Asset Management.

FFB's business model is asset-based: the platform generates revenue primarily through trailer fees paid by fund/ETF providers on assets held in customer depots, supplemented by transaction fees, account fees, and ancillary income from credit (FFB Kredit) and deposit products (FestgeldPlus). Pricing for the core depot is not publicly disclosed; the deposit product carries a usage-based rate up to 2.35% p.a. The platform functions as an open-architecture intermediary rather than a proprietary product manufacturer, and the value proposition rests on breadth of product access, independence from any single asset manager, and the convenience of consolidating investments, savings plans, deposits, and credit under a single depot relationship.

Name

FIL Fondsbank

Legal name

FIL Fondsbank GmbH

Website

https://ffb.de

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

101–250 employees

Short description

FIL Fondsbank (FFB) is the German investment platform subsidiary of Fidelity International, operating a regulated fund and ETF depot serving retail investors and independent financial advisors across Germany with €49.5B AUM and over 700,000 customer depots.

Ownership category

akta.pro rank

Product category

Retail Investment Platform

NAICS

Depository Credit Intermediation (5221), Finance and Insurance (52), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Functions Related To Depository Banking, Nec (6099), Investment Advice (6282), Finance Services (6199)

akta.pro primary industry

Personal Financial Management & Budgeting (PFM) (FSAGAAAH)

Keywords

• Investment platform
• Fund depot services
• ETF trading
• Wealth management
• Financial advisory tools

Headquarters

HQ city

Königstein Im Taunus

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Asset Management / Platform Fees: FFB generates revenue through fees charged on assets held in customer depots. As an investment platform, they earn revenue from the funds and ETFs traded through their platform, typically through trailer fees from fund providers and transaction fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

FIL Fondsbank (FFB) is a BaFin-regulated investment platform that provides German retail investors with a single fund depot (FondsdepotPlus) offering access to 12,000+ funds and 1,300+ ETFs from more than 300 providers, supplemented by a children's depot (FondsdepotJunior), fixed-term deposits (FestgeldPlus), securities-based credit (FFB Kredit) and savings plans (Sparplan). The platform is accessible directly via the FFB Onlinedepot and FFB App, and through a network of independent financial advisors using the dedicated Fondsgespräche advisory portal, with approximately EUR 49.5 billion in assets under management across more than 700,000 customer depots.

Product overview

FIL Fondsbank (FFB) operates as an independent investment platform under Fidelity International, offering a comprehensive ecosystem of fund depot and investment services. The core product is the FFB FondsdepotPlus, supplemented by specialized depot solutions like FFB FondsdepotJunior for children's savings. The platform extends to fixed-term deposits (FestgeldPlus), credit products (FFB Kredit), and savings plans (Sparplan). Digital access is provided through the FFB Onlinedepot and FFB App, with services including depot transfers, advisor search, and forms. The platform offers access to over 12,000 funds and 1,300 ETFs from more than 300 providers, managing approximately EUR 49.5 billion in assets across more than 700,000 customer accounts. FFB also provides professional advisory tools for financial advisors including customer management, reporting tools, and model portfolio tools.

Differentiator

Problem solved

Functional benefit

Brands

• FFB FondsdepotPlus: Investment depot for long-term wealth building
• FFB FondsdepotJunior
• FestgeldPlus
• FFB Kredit
• Sparplan
• FFB Onlinedepot
• FFB App

Products and services

• FFB FondsdepotPlus Core fund depot account that allows German retail investors to invest in 12,000+ funds and 1,300+ ETFs from 300+ providers through a single platform-managed depot.
• FFB FondsdepotJunior Long-term wealth-building fund depot opened in a child's name, enabling parents and family members to start investing with small amounts from an early age.
• FestgeldPlus Fixed-term deposit product offering up to 2.35% interest per annum, used to temporarily park customer funds until an investment strategy is decided; requires a FondsdepotPlus account.
• FFB Kredit Credit product offered alongside the FondsdepotPlus, allowing customers to borrow against or in conjunction with their investment portfolio.
• Sparplan Savings plan feature enabling customers to make regular, recurring contributions to systematically build investment wealth over time.
• FFB Onlinedepot Online depot management platform providing digital access to manage fund investments, view portfolio performance, and execute transactions for existing customers.
• FFB App Mobile application that enables customers to access and manage their fund depot accounts from smartphones and tablets.
• Depot übertragen (Depot Transfer Service) Service that allows customers to move existing fund holdings from other institutions to FFB's platform.
• FFB Altersvorsorgedepot Planned state-subsidized securities retirement depot designed to be more profitable, cost-effective, simple and flexible than existing private retirement provision products, scheduled to launch on January 1, 2027 under new German legislation.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Fidelity InternationalcoreStrategic or Co-development PartnerFidelity International is the parent company and strategic partner of FFB. FFB operates as the independent investment platform under Fidelity International's umbrella, benefiting from global investment expertise and resources while maintaining local market operations.
• ACATIS InvestmentminorStrategic or Co-development PartnerACATIS Investment is featured as a partner on the FFB Fondsgespräche platform, providing investment strategy content and funds available through FFB.
• CarmignacminorStrategic or Co-development PartnerCarmignac is featured as a partner on the FFB Fondsgespräche platform with multiple fund strategies including Carmignac Investissement, Carmignac Patrimoine, and Carmignac Portfolio Tech Solutions.
• DPAM (Degroof Petercam Asset Management)minorStrategic or Co-development PartnerDPAM is featured as a partner with content on the FFB Fondsgespräche platform including the DPAM L Equities Europe Defence fund.
• DWSminorStrategic or Co-development PartnerDWS is listed as an investment strategy partner on the FFB platform, providing fund products and investment content.
• Franklin TempletonminorStrategic or Co-development PartnerFranklin Templeton is featured as a partner on the FFB platform with ETFs and funds including Franklin FTSE China UCITS ETF, Franklin FTSE India UCITS ETF, and Franklin India Fund.
• Pictet Asset ManagementminorStrategic or Co-development PartnerPictet Asset Management is listed as an investment strategy partner on the FFB platform.
• Principal Asset ManagementminorStrategic or Co-development PartnerPrincipal Asset Management is listed as an investment strategy partner on the FFB platform.
• AQUIS CapitalminorStrategic or Co-development PartnerAQUIS Capital is featured as an investment strategy partner on the FFB platform with content on Vietnam and active management strategies.
• SIA Asset Management AGminorStrategic or Co-development PartnerSIA Asset Management AG is listed as an investment strategy partner on the FFB platform.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Moneyfarm: European robo-advisor/Digital wealth manager operating in Germany and Italy. Overlaps with FFB's online depot offering for retail investors seeking guided portfolio solutions, though more focused on managed portfolios.

Direct peers

• flatexDEGIRO: Germany's largest online broker, offering depot, fund, and ETF trading to retail investors across Europe. Closely comparable to FFB on product breadth (funds/ETFs/stocks) and German retail/advisor focus.
• Scalable Capital: German/European digital investment platform offering broker and robo-advisor services with access to broad ETF/fund universes. Directly comparable to FFB's online depot business in target market (German retail) and product (multi-provider fund/ETF access).
• Trade Republic: German neobroker offering commission-free ETF/stock trading and savings plans. Competes head-on with FFB for German retail fund/ETF depot customers, with stronger mobile-first positioning and a younger user base.
• comdirect (Commerzbank): German direct bank and online broker offering depot, fund savings plans, and advisory services. Directly comparable as a multi-channel German retail investment platform with parent (Commerzbank) backing.
• Consorsbank: German online broker (BNP Paribas subsidiary) offering depot, fund, and ETF trading. Directly overlaps FFB's core retail fund/ETF depot proposition in the German market.

Broad incumbents

• Baader Bank: German bank offering depot, fund trading, and platform-as-a-service infrastructure for independent advisors and asset managers. Comparable to FFB as a B2B advisor platform with retail reach.
• ING-DiBa (ING Germany): Germany's largest direct bank, offering depot, fund savings plans, and investment advisory. Comparable in retail investment wrapper functionality and German scale, though much broader scope than FFB.
• DWS (Xtrackers): Germany's largest asset manager and a major ETF/fund provider (Xtrackers). Listed as a partner on FFB's Fondsgespräche platform; competes on captive product distribution while cooperating via distribution.

Others

• European Bank for Fund Services (ebase): German B2B fund-depot platform providing white-label depot infrastructure to banks, advisors, and asset managers. Comparable as a depot-bank technology layer relevant to FFB's operational backbone, though B2B-only.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/FFB_DE

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FIL Fondsbank