Bank AI
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Allianz — Munich-headquartered global insurance and asset-management group (XETRA: ALV); the largest insurer in Europe with EUR 760bn AUM, 122M+ customers, and BaFin / ACPR / IVASS / DGSFP supervision across DE / FR / IT / ES.

Scale
EUR 760bn AUM
Wrappers
Vie + PER + UL
Connection
Read-only

  • Multi-jurisdiction life-insurance

    Allianz Lebensversicherung (DE), Allianz Vie / Allianz Invest (FR), Polizza Vita Allianz (IT) and Allianz seguros de vida (ES) all read into Bank AI with current value, cumulative gains and net of UC fees, in your home currency.

  • Retirement wrappers

    Allianz Pension (DE Riester / Ruerup), Allianz Retraite PER (FR) and equivalent retirement products are tagged separately from life-insurance so liquidity and tax treatment are never conflated.

  • Unit-linked allocations

    Equity, bond and ESG unites de compte / Allianz Climate Transition (Article 9) UL allocations are surfaced as separate sub-positions so allocation maths is honest about the protected vs. at-risk split.

  • Versements and rachats

    Recurring contributions and rachats partiels are tagged with cumulative cost basis so dollar-cost-averaged return and the audit trail per disposal are preserved.

  • Allianz Vie / Allianz Lebensversicherung
  • Allianz Retraite (PER) / Allianz Pension
  • Allianz Invest (assurance-vie multi-supports)
  • Polizza Vita Allianz (IT)
  • Allianz Unit Linked
  • Allianz Climate Transition (Article 9)

Headquarters
Munich, Germany
Founded
1890
Parent group
Allianz SE (XETRA: ALV)
Regulator
BaFin (DE); ACPR (FR); IVASS (IT); DGSFP (ES)

  • What is my total Allianz Lebensversicherung balance vs. my Trade Republic Depot?
  • Show me my Allianz PER contributions year-to-date and how much I can still deduct.
  • What share of my Allianz UL allocation is in Article 9 (Paris-aligned) funds?
  • How does my Allianz Climate Transition exposure compare to my MSCI World ETFs?

Does Bank AI place arbitrages on my Allianz contract?

No. Bank AI is read-only by design. We surface positions, the protected vs. UL split, contributions and rachats so you can see the picture, but every arbitrage continues to happen via Allianz or your distributor. We never move customer funds.

How does Bank AI connect to Allianz?

Bank AI connects via licensed open-banking and aggregation partners that hold the AISP / DSP2 permissions needed to read life-insurance, retirement and UL positions. Read-only access is enforced — Bank AI cannot move funds inside the contractual sleeve.

Is Allianz regulated across DE, FR, IT and ES?

Yes. Allianz SE is supervised by BaFin in Germany, with subsidiaries supervised by the ACPR (France), IVASS (Italy) and DGSFP (Spain). Bank AI is NOT an underwriter; the contractual sleeve and customer fund custody remain with the relevant Allianz entity.

Are Allianz Riester / Ruerup contracts tracked?

Yes (where the connector exposes them). DE Riester and Ruerup pension contracts are tagged separately from open Lebensversicherung because liquidity and tax treatment differ — Riester is locked until retirement with annual government allowance top-ups.

Does Bank AI calculate German / French / Italian wealth tax?

No. Bank AI surfaces the disposals, contributions and gains that drive the calculation but the filing itself (Abgeltungsteuer 25 percent in Germany, PFU 30 percent in France, imposta di bollo 0.2 percent on polizze vita in Italy) is best handled by your accountant.

Is my Allianz data sent outside the EU?

No. Bank AI processes customer data in EU regions by default, with AES-256 encryption and EU-region key management. Allianz remains the underwriter and custodian of the contractual sleeve.

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