- Active connectors
- 1,151
- Retail coverage
- 95%
- Regulator
- BaFin
- Currency
- EUR
Germany has the largest banking system in continental Europe by branch count, with roughly 1,500 individual licensed institutions across the public, cooperative and private pillars.
BaFin regulates account-information services under PSD2; AISP licences are passportable across the EU under the Single Market.
Most German bank connections still rely on the FinTS/HBCI standard alongside PSD2 APIs, which is why Bank AI's coverage extends to long-tail Sparkassen and Volksbanken.
Deutsche Bank
Major retail and corporateGermany's largest commercial bank by assets, headquartered in Frankfurt.
Commerzbank
Major retail and SMEFrankfurt-headquartered universal bank with a heavy SME and Mittelstand focus.
Sparkasse
Public savings-bank networkThe Sparkassen-Finanzgruppe is Germany's largest savings-bank network and the country's biggest banking group by branches.
Volksbanken Raiffeisenbanken
Cooperative networkCooperative banking network covering thousands of communities, owned by their members.
ING Deutschland
Direct bankDirect bank with millions of retail customers and one of the most-used current accounts in Germany.
DKB
Direct bankDeutsche Kreditbank, the digital subsidiary of BayernLB, is one of the largest direct banks in the country.
N26
NeobankBerlin-headquartered neobank with a full German banking licence and pan-European footprint.
Postbank
Retail bankRetail brand of Deutsche Bank with a deep branch and post-office network.
comdirect
Direct bank / brokerageDirect-banking and securities arm of Commerzbank popular with retail investors.
Consorsbank
Brokerage / direct bankOnline broker and direct bank operated by BNP Paribas in Germany.
HypoVereinsbank
Major retail and corporateUniCredit's German retail and corporate arm.
Targobank
Retail bankConsumer-finance focused retail bank owned by Credit Mutuel.
International banks available here
Networks and groups
- Sparkassen(350+)Public savings banks operating regionally across all 16 states.
- Volksbanken Raiffeisenbanken(700+)Cooperative banks owned by their members.
- PSD-Banken(14+)Cooperative banks historically tied to the Deutsche Postbank network.
- Sparda-Banken(11+)Cooperative banks originally for railway employees, now open to all.
Don't see your bank?
Bank AI's coverage extends well beyond the names listed here, including the long tail of cooperative, regional and online-only institutions. If your bank isn't shown, get in touch and we'll confirm coverage.
1. Connect your accounts
Link banks, brokers, pensions and crypto wallets through PSD2-licensed open-banking partners. Read-only by default.
2. See the whole picture
Net worth, monthly cash flow, spending, savings, investments and crypto - in your home currency, refreshed automatically.
3. Let the AI do the heavy lifting
Categorisation, anomaly alerts, savings forecasts and a chat that answers plain-language questions about your money.
Tax wrappers we surface
Depot, ETF Sparplan
Trade Republic, Saxo Depot and the brokerage arms of comdirect and Consorsbank are read directly; the Sparkassen / Volksbanken Depot coverage extends as those connectors expose wealth data.
Brokers covered for German investors
- Trade Republic
- Saxo Bank
- Degiro
- comdirect
- Consorsbank
- eToro
Brokers, wealth wrappers and exchanges connectable today
Curated subset of the wealth-capable institutions Bank AI connects in this market. Tap a card to see what positions, wrappers and tax data Bank AI surfaces for that provider.
Brokers and trading platforms(4)
Trade Republic
EUBerlin-headquartered broker with an EU banking licence, popular for fractional shares, ETFs and savings plans across Europe.
Saxo Bank
EUDanish bank and broker offering multi-asset trading (stocks, ETFs, bonds, futures, FX) across the EU and UK.
Degiro
EUDutch low-cost broker (now part of flatexDEGIRO) operating across the EU and UK; one of the largest retail brokers in Europe.
eToro
EUMulti-asset broker known for social-trading; stocks, ETFs, crypto and CFDs depending on local licensing.
Life insurance, pensions and wealth wrappers(2)
Crypto exchanges and wallets(5)
Binance
EUGlobal crypto exchange; EU operations are routed through entities registered with national VASP regimes.
Coinbase
EUUS-listed (NASDAQ: COIN) crypto exchange with an Irish entity (Coinbase Ireland) covering the EU.
Bitpanda
EUVienna-headquartered fintech offering crypto, stocks, ETFs and metals; EU passporting via Austrian licensing.
Kraken
EUUS-headquartered crypto exchange with Irish entity for EU customers and FCA registration in the UK.
Crypto.com Exchange
EUGlobal crypto exchange and card-issuing fintech; EU operations routed through national VASP registrations.
Investing in Germany - frequently asked questions
Can Bank AI see my Trade Republic and Saxo Depot together?
Yes. Both Trade Republic (under its EU banking licence) and Saxo Bank are connected via PSD2 wealth-aware partners, so positions, P&L and dividends from both Depots show up in one view alongside your cash accounts. Bank AI is read-only - no orders are placed on your behalf.
Welche deutschen Broker werden unterstuetzt?
Trade Republic, Saxo Bank, Degiro, comdirect, Consorsbank and eToro are covered today. Coverage of Scalable Capital, Comdirect's full Sparplan view and the brokerage arms of Sparkassen / Volksbanken depends on each connector exposing positions to our PSD2 partners.
Wird die Abgeltungssteuer und der Sparer-Pauschbetrag berechnet?
Nein - Bank AI ist eine Geldapp, kein Steuertool. Wir zeigen die zugrunde liegenden Dividenden, Verkaeufe und Zinsen, sodass du einen sauberen Audit-Trail hast, aber die 25-prozentige Abgeltungssteuer und der Sparer-Pauschbetrag werden in dedizierten Steuerprogrammen oder direkt vom Broker berechnet.
Can I see ETF Sparplaene running on autopilot?
Yes. The recurring ETF-Sparplan transactions in your Depot are read alongside the resulting positions, so you see both the buy cadence and the cumulative cost basis. Multi-Sparplan setups across Trade Republic, comdirect and Consorsbank are aggregated automatically.
Werden meine Daten in der EU verarbeitet?
Ja. Bank-, Broker- und Depot-Daten werden in EU-Regionen verarbeitet, die Verschluesselung erfolgt mit AES-256 und EU-KMS-Schluesseln. Bank AI selbst haelt keine Wertpapiere - die Verwahrung verbleibt bei deinem Broker oder deiner Depotbank.
| Bank AI | MoneyMoney, StarMoney, multibanking via Sparkasse | |
|---|---|---|
| Multi-bank, multi-country view | Yes | Partial |
| AI assistant grounded in your real data | Yes | No |
| EU data residency, GDPR by default | Yes | Partial |
| Crypto-ready (in build) | Partial | No |
Welche Banken in Deutschland kann ich mit Bank AI verbinden?
Bank AI verbindet sich mit den grossen Geschaftsbanken (Deutsche Bank, Commerzbank, HypoVereinsbank, Postbank), Direktbanken (ING, DKB, comdirect, Consorsbank), Neobanken (N26) und uber 1.000 Sparkassen, Volks- und Raiffeisenbanken. Die genaue Liste hangt vom Lizenzpartner ab und wird laufend erweitert.
Ist Bank AI in Deutschland reguliert?
Bank AI ist eine Geld-Management-App, keine Bank. Der Zugriff auf Kontodaten erfolgt uber lizenzierte Open-Banking-Partner, die unter PSD2 als Account Information Service Provider (AISP) zugelassen sind und von BaFin oder einer anderen EU-Aufsichtsbehorde uberwacht werden.
Wird mein BaFin-Schutz beeintrachtigt, wenn ich mein Konto verbinde?
Nein. Die Einlagensicherung deiner Bank bleibt unverandert. Bank AI liest Kontodaten standardmassig nur lesend ein und verschiebt kein Geld, ausser du startest eine entsprechende Aktion ausdrucklich uber einen lizenzierten Zahlungsdienstleister.
Wie unterscheidet sich Bank AI von Multibanking-Funktionen meiner Hausbank?
Multibanking-Funktionen einer Hausbank zeigen nur die Konten, die der jeweiligen Bankengruppe nutzen. Bank AI ist gruppenneutral: Du verbindest jede Sparkasse, Volksbank, Direktbank, Neobank, Broker und Krypto-Wallet in derselben Ansicht und erhaltst KI-Auswertungen daruber hinweg.
Was passiert mit meinen Daten unter DSGVO und BDSG?
Bank AI verarbeitet Daten in EU-Regionen, halt die Anforderungen der DSGVO und des BDSG ein und gibt dir vollstandige Auskunfts-, Berichtigungs- und Loschrechte. Personliche Finanzdaten werden niemals verkauft, und KI-Funktionen laufen nur auf Daten, die du explizit dafur freigegeben hast.
Unterstutzt Bank AI auch Konten in Osterreich und der Schweiz?
Osterreichische und Schweizer Banken werden in einer separaten Phase folgen. Wenn du auf Deutsch arbeitest, kannst du Bank AI bereits heute fur deutsche Konten nutzen und wirst informiert, sobald AT- und CH-Konten verfugbar sind.
Welche Krypto-Borsen werden in Deutschland unterstutzt?
Die Krypto-Anbindung wird zum Start gangige Wallets und ausgewahlte BaFin-konforme Borsen abdecken. Bank AI selbst verwahrt keine Kryptowerte - das ubernehmen die jeweiligen lizenzierten Verwahrer.
🇩🇪 Germany
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