Fondsvermittlung24.de

What Fondsvermittlung24.de does

Fondsvermittlung24.de GmbH is a Hamburg-based online fund brokerage founded in 2002 that offers self-directed German retail investors a 100% discount on the Ausgabeaufschlag (issuance charge, typically 5-6% of investment) for over 9,500 investment funds. The firm operates as a non-advisory Vermittler (intermediary), routing fund purchases through a network of five partner custody banks — FIL Fondsbank, comdirect, FNZ Bank SE, DAB BNP Paribas, and Augsburger Aktienbank — which provide the custody and settlement infrastructure. The core customer base consists of cost-conscious German retail investors seeking low-cost access to mutual funds, ETFs (870+ via FIL, 200+ via FNZ), closed-end fund participations, Riester-Rente state-subsidized pensions, Rürup-Rente, and precious metals; three named product segments serve self-directed retail, existing depot holders (Vermittlerwechsel), and retirement savers.

The technology platform is an online brokerage interface comprising a Fonds-Detailsuche fund search engine (filterable by region, currency, awards, risk class, VL-capability), a side-by-side Fonds-Vergleich comparison tool, a Depot-Vergleich depot-bank comparison tool, and a Rabatt-Abfrage discount-query utility. Operational integration with each partner bank is process-based (PDF-based Vermittlerwechsel forms, 3-5 business-day broker switches, no documented API links) rather than programmatic. Supporting assets include calculators (Rendite-Rechner, Riester-Förderrechner), three newsletters, a separate blog at blog.fondsvermittlung24.de, and educational content covering investment funds, pensions, and broader German financial topics. No proprietary mobile app, public API, or AI/ML components are disclosed in the source data.

Revenue is generated solely through retrocessions (Bestandsprovisionen) from fund companies and the five partner custody banks, which are passed through to customers in full as the 100% Ausgabeaufschlag discount. No direct service fees are charged to retail customers; pricing is pay-as-you-go via transactions executed at partner banks (€25/month minimum on Fondssparplan, €500 minimum on one-time investments). A separate licensed entity, Fondsvermittlung24.de Geschlossene Beteiligungen GmbH i. L., handled closed-end fund participations and is currently in liquidation. The firm is privately held with no disclosed external funding, holds permits under §34f Abs. 1 GewO (fund brokerage, Handelskammer Hamburg) and §34c GewO (real estate brokerage, Bezirksamt Hamburg-Mitte), serves 16,000+ customers with a 97% self-reported recommendation rate, and is led by Managing Director Annette Thoms.

Name

Fondsvermittlung24.de

Legal name

Fondsvermittlung24.de GmbH

Website

https://fondsvermittlung24.de

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Online non-advisory fund broker in Hamburg, Germany, distributing 9,500+ investment funds at 100% discount on the issuance charge (Ausgabeaufschlag) to self-directed German retail savers through five partner custody banks (FIL Fondsbank, comdirect, FNZ Bank SE, DAB BNP Paribas, Augsburger Aktienbank).

Ownership category

akta.pro rank

Product category

Retail Fund Brokerage

SIC

Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Private Client Custody & Brokerage (Execution, Reporting, Safekeeping) (FSAAABAN)

Keywords

• Fund brokerage services
• Investment fund distribution
• Retirement savings products
• Fund savings plans
• Online securities brokerage

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission/retrocession from fund providers: Fondsvermittlung24.de acts as an intermediary (Fondsvermittler) earning retrocessions (Bestandsprovisionen/rückvergütungen) from the fund companies and partner banks. These commissions are passed through to customers via the 100% issuance charge discount. The revenue model is based on volume of assets under administration and transactions processed through partner depot banks.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Fondsvermittlung24.de is an execution-only online fund broker that intermediates purchases of more than 9,500 investment funds on behalf of self-directed German retail investors. Customers access funds through partner custody banks (FIL Fondsbank, comdirect, DAB BNP Paribas, FNZ Bank SE, Augsburger Aktienbank) and pay no advisory or brokerage fees, with 100% of the issuance charge (Ausgabeaufschlag) rebated to the customer.

Product overview

Fondsvermittlung24.de operates as a fund distribution platform offering investment funds, savings plans, and retirement products through a network of partner depot banks. The core offering comprises over 9,500 investment funds with 100% discount on issuance charges, supplemented by fund savings plans (Fondssparplan) starting at €25 monthly, Riester-Rente and Rürup-Rente pension products, closed-end fund participations, and precious metals investments. Additional services include depot comparison tools, intermediary switching, depot transfer assistance, depot fee reimbursement, and a customer referral program. The company connects customers to partner institutions including FIL Fondsbank (FFB), comdirect, FNZ Bank SE (ebase), DAB BNP Paribas, and Augsburger Aktienbank, enabling fee-free fund purchases and savings plan execution without advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Fund Brokerage (9,500+ funds) Execution-only intermediation of purchases of more than 9,500 investment funds for self-directed German retail investors, routed through partner custody banks (FIL Fondsbank, comdirect, DAB BNP Paribas, FNZ Bank SE, Augsburger Aktienbank) with a 100% rebate of the issuance charge.
• Fund Savings Plans (Fondssparpläne) Recurring, automated mutual-fund savings plans allowing German retail investors to build positions over time through partner custody banks.
• Riester-Rente (Riester Pension) State-subsidised, tax-advantaged German private pension product distributed via fund investments through the platform, intended for retirement savings.
• Rürup-Rente (Rürup Pension / Basisrente) Tax-deductible German private pension product (Basisrente), distributed via fund investments through the platform for retirement provision, especially for self-employed and higher-income clients.
• Closed-End Funds (Geschlossene Fonds) Intermediation of closed-end fund investments to German retail investors as an alternative-asset / diversification option within the platform's offering.
• Precious Metals Distribution of precious-metal investments (such as physical gold/silver) offered to German retail customers as a diversification and inflation-hedge option.
• Junior Depot (Jugenddepot) Custody account opened in the name of a minor to enable parents/grandparents to build long-term savings for children using the platform's funds and savings plans.

Quantifiable outcome

• Up to €500 savings per €10,000 investment (5% issuance charge avoided)
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• FIL Fondsbank (FFB)coreChannel Partner/ Reseller/ DistributorFIL Fondsbank is one of the primary partner depot banks. Offers access to 9,100+ funds with 100% issuance charge discount and 870+ ETFs. The FIL Fondsbank depot is highlighted as a top recommendation for fund savings plans.
• comdirectcoreChannel Partner/ Reseller/ Distributorcomdirect offers a 0-Euro depot with 100% issuance charge discount on over 5,800 funds. Also supports securities trading (stocks, certificates) at attractive conditions.
• FNZ Bank SE (ebase)coreChannel Partner/ Reseller/ DistributorFNZ Bank SE offers an ETF+Fondsdepot with over 5,800 funds at 100% discount on issuance charge and 200+ ETFs. Also supports savings plans.
• DAB BNP Paribas (DAB Profidepot)coreChannel Partner/ Reseller/ DistributorDAB Profidepot offers 100% discount on the issuance charge of over 9,500 funds. One of the partner banks with the broadest fund selection.
• Augsburger AktienbankminorChannel Partner/ Reseller/ DistributorAugsburger Aktienbank is an additional partner depot bank supporting the Vermittlerwechsel process for existing depot holders.
• DWS (Deutsche Bank / DWS Investment Gruppe)coreStrategic or Co-development PartnerDWS is the primary fund partner for the Riester-Rente offerings. Products include DWS Riester-Rente Premium (named 'best' and 'highest' by Focus Money and €uro), DWS Top-Rente Dynamik, and DWS Top-Rente Balance. The company acts as a distributor for DWS fund products at discounted rates.
• NewFinance GmbHminorImplementation/ SI/ Consulting PartnerNewFinance GmbH is credited as the programming and online marketing partner for the Fondsvermittlung24.de website.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Wallstreet:Online: German financial portal with community, news, and integrated brokerage products. Overlaps with Fondsvermittlung24.de in fund information aggregation and retail-investor acquisition, though at substantially larger scale.
• comdirect bank: One of Fondsvermittlung24.de's core partner depot banks and a major German direct bank with its own retail brokerage. Overlapping in target customer and product range, but comdirect bundles banking, advisory, and trading rather than being a pure fund intermediary.
• Consorsbank (BNP Paribas): German direct bank and online broker with extensive fund universe and savings plans. Provides comparable execution services to self-directed German retail investors, with the scale and product breadth of a full-service bank.
• finanzen.net: One of Germany's largest financial information portals with integrated brokerage and fund comparison. Competes for the same retail-investor mindshare and offers comparable comparison and execution functionality at much greater scale.

Emerging players

• Scalable Capital: Munich-based digital wealth manager and broker with savings plans, ETF execution, and partner-bank custody. Serves the same German self-directed retail segment with a more modern tech stack and broader product breadth.
• Trade Republic: Berlin-based mobile-first discount broker with savings plans including ETFs and a growing fund offering. Competes for the same execution-only German retail customer with significantly stronger mobile UX.
• Smartbroker: German neo-broker offering flat-fee trading and fund/ETF savings plans through partner custody. Targets the same cost-conscious self-directed retail segment with a more modern digital platform.

Direct peers

• FondsDiscount.de: German fund broker specializing in issuance-charge discounts across a broad investment-fund universe via partner depot banks. Same non-advisory, retrocession-funded model targeting self-directed retail investors.
• justETF: Munich-based ETF and fund comparison platform with integrated brokerage through partner banks, widely used by German self-directed investors for savings-plan execution. Comparable in target customer, online-only distribution, and partner-bank distribution model.
• extra-funds.de (DVAG / Deutsche Vermögensberatung fund broker): A long-standing German fund broker operating the same execution-only discount model, passing retrocessions to customers as full or partial discounts on the Ausgabeaufschlag. Directly comparable product, customer (self-directed German retail), and revenue model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/fondsvermittlung24de
• Xx.com/fv24_de
• LinkedInlinkedin.com/company/fondsvermittlung24.de-top-fonds

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Fondsvermittlung24.de