Upvest

Retirement planning in Germany has long meant paperwork, high fees, and products that feel like they were designed for a different generation. The Altersvorsorgedepot changes that. In a few simple steps, an end user can choose the account type that fits them, whether that's a standard retirement account, a discretionarily managed portfolio, or a fully self-directed setup, review the documents that matter, and see exactly what their contributions could grow into by retirement. This is what happens when investment infrastructure is built for today's expectations: instant onboarding, smooth transfers, and an experience that feels like using any other app you rely on daily. Behind the scenes, every step from product selection and account opening to accumulation phase and payout runs on Upvest's Investment API, handling all complexity so that you can focus on what matters most: the user experience and product shelf. Watch it come together in the video below. 👇 For more information on how to build your German pension offering, check out our API docs: 👉 https://lnkd.in/dYyVqhud

Nearly every financial institution in Germany wants an Altersvorsorgedepot solution live on January 1. In a new interview with Fundview, Upvest's Director Business Development DACH, Sven Loeckel, spoke with Eneida Beshaj about what will separate the providers who lead the market from those who struggle to keep up. His answer: it comes down to infrastructure most end users will never see. Financial institutions running on Upvest don't have to build the connections to state bodies like the ZfA, ZfDR, and BZSt themselves. They don't have to work out how to track contribution limits, administer government bonuses, or handle distribution reinvestments either. Instead, accounts open in under a second, tax handling is managed automatically across five tax pots, and transfers from existing Riester contracts happen end-to-end without manual work on either side. It's all built on a modern, cloud-native architecture, and on experience already gained launching pensions and tax wrappers across Europe and the UK. Read the full interview here: 👉 https://lnkd.in/dpeB4Akc

Germany's 𝐅𝐫𝐮̈𝐡𝐬𝐭𝐚𝐫𝐭-𝐑𝐞𝐧𝐭𝐞 aims to get children and young people, and their parents, engaging with capital markets early: government-subsidised contributions into a low-cost Standarddepot, with the option to transfer into a regular Altersvorsorgedepot at adulthood. The Initiative Digitale Altersvorsorge, of which Upvest is a founding member, submitted its position paper on the Finance Ministry's draft law. We support the core structure: the cost cap, the option for third parties to contribute, and the transfer path into a regular Altersvorsorgedepot at 18. We've also flagged where it needs to go further: ➡️ Include all children up to 18 now, not just 6-year-olds, with real tax incentives for extra contributions ➡️ Drop the redundant ban on acquisition and distribution costs ➡️ Allow limited early withdrawals for education, not just retirement ➡️ Simplify identity checks for minors, today's biggest onboarding drop-off point ➡️ Let one parent sign, not both ➡️ Make the Bundesbank default a stepping stone, not a permanent alternative, and actively encourage parents to make their own investment choice Read the full position paper here: 👉 https://lnkd.in/duBfgC47

Germany just took a big step forward on state pension reform. Occupational pensions (bAV) shouldn't be left behind. Today, the Initiative Digitale Altersvorsorge, of which Upvest is a founding member alongside Raisin, Smartbroker AG, and others, published a position paper responding to the Alterssicherungskommission's final report. Our view: the ASK's plan to hand bAV reform over to a "Sozialpartner-Dialog" between unions and employer associations misses the point. Eight years after the Sozialpartnermodell was introduced, only ~40,000 employees are covered through it, and it has barely reached SMEs at all. Yet SMEs and their employees are exactly who needs this reform most. Our recommendations: ✅ End mandatory return guarantees in bAV, just as the Altersvorsorgedepot has done in private pensions ✅ Full portability of pension capital between employers and providers ✅ Remove employer subsidiary liability for pension promises ✅ Digital-first, low-admin processes ✅ Auto-enrollment with opt-out, proven effective internationally ✅ Explore opening the Altersvorsorgedepot to employer contributions, similar to France's PER model Full paper here: 👉 https://lnkd.in/dc-uEz4T

280 Upvengers. 75+ nationalities. All driven by one shared mission: to make investing as easy as spending money. Once a year, we take a pause, fly in from around the world, and come together in Berlin for our annual UpFest. It’s our favourite time to connect face-to-face, celebrate the wins, and remember why we build together. Because behind every line of code, every market we power, and every order we process, there’s a team that genuinely loves what we do. Hit play and take a look at the highlights from this year’s UpFest to see what makes our culture so special. 🎬 If you are interested in joining our team, check out our open roles: 👉 https://careers.upvest.co/

We're excited to announce our partnership with Satispay, Italy's leading independent payment network with over 6.5 million end users. 🚀 Satispay's end users in Italy and Luxembourg can now invest in fractional stocks and ETFs from as little as €1, set up savings plans, and access portfolios, all directly within the app they already use every day. Behind the scenes, Upvest handles everything from order execution and settlement to custody, regulatory reporting, and tax processing, so Satispay can focus on delivering a seamless user experience. This partnership is a strong example of what modern investment infrastructure makes possible: bringing investments to millions of people who previously had no easy way to access them. Read the full announcement here: 👉 https://lnkd.in/eEgxyaj4

Join us for a hands-on masterclass covering everything you need to know to launch a competitive Altersvorsorgedepot product on day one. Launching an Altersvorsorgedepot on 1. January means having the right infrastructure ready to navigate all the complexities. With Upvest, financial institutions can be first to market by leveraging: ✅ 𝐔𝐬𝐞𝐫 𝐨𝐧𝐛𝐨𝐚𝐫𝐝𝐢𝐧𝐠 𝐚𝐧𝐝 𝐚𝐜𝐜𝐨𝐮𝐧𝐭 𝐜𝐫𝐞𝐚𝐭𝐢𝐨𝐧: fully digital, instant account creation and onboarding for all required account types ✅ 𝐎𝐫𝐝𝐞𝐫 𝐚𝐧𝐝 𝐜𝐨𝐧𝐭𝐫𝐢𝐛𝐮𝐭𝐢𝐨𝐧 𝐦𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭: management of contributions and limits, and handling recurring and one-off orders, including automated pay-out plans upon retirement ✅ 𝐆𝐨𝐯𝐞𝐫𝐧𝐦𝐞𝐧𝐭 𝐛𝐨𝐧𝐮𝐬 𝐚𝐝𝐦𝐢𝐧𝐢𝐬𝐭𝐫𝐚𝐭𝐢𝐨𝐧: management of government bonus applications, including automated connectivity to required authorities (e.g. 𝑍𝑓𝐴, 𝑍𝑓𝐷𝑅, 𝑎𝑛𝑑 𝐵𝑍𝑆𝑡). Upvest handles the full bonus application process, bi-directional data exchange, payments and reinvestments, and regular reporting ✅ 𝐓𝐚𝐱 𝐡𝐚𝐧𝐝𝐥𝐢𝐧𝐠: specialised tax accounting with allocation across all pension tax pots (𝑆𝑡𝑒𝑢𝑒𝑟𝑙𝑖𝑐ℎ𝑒 𝐵𝑒𝑠𝑡𝑎𝑛𝑑𝑠𝑓𝑢̈ℎ𝑟𝑢𝑛𝑔) ✅ 𝐄𝐧𝐝-𝐮𝐬𝐞𝐫 𝐚𝐧𝐝 𝐫𝐞𝐠𝐮𝐥𝐚𝐭𝐨𝐫𝐲 𝐫𝐞𝐩𝐨𝐫𝐭𝐢𝐧𝐠: 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 like order reports or MiFIR reporting ✅ 𝐓𝐫𝐚𝐧𝐬𝐟𝐞𝐫𝐬: end-to-end processing between the ceding provider and 𝑍𝑓𝐴 with full transparency of transfer progress and expected completion dates Register to attend the masterclass at the Upvest office on 2. July: 👉 https://lnkd.in/dBuWbkUG

The Altersvorsorgedepot launches on 1 January 2026. The decisions that determine who is ready on day one are happening right now. On 2 July, Alexander Reichhardt and Christian Wöhlke are hosting a hands-on masterclass in the Upvest office as part of the Next Banking Summit by House of Finance & Tech Berlin. They will walk you through everything you need to launch a competitive Altersvorsorgedepot product on day 1. What's on the agenda: ✅ The reform and why it matters for your business ✅ How it works in practice step by step ✅ The product decisions that will define the user experience Built for decision-makers at banks, neobanks, brokers, and wealth platforms who are actively evaluating their pension offering strategy. Implementation timelines are already running. If you're attending Next Banking Summit, this is the session to pick. Register to attend the masterclass here: 👉 https://lnkd.in/dBuWbkUG

There’s a difference between 𝑝𝑙𝑎𝑛𝑛𝑖𝑛𝑔 to offer the Altersvorsorgedepot and being 𝑟𝑒𝑎𝑑𝑦 to launch in time. 𝐓𝐡𝐚𝐭 𝐠𝐚𝐩 𝐢𝐬 𝐦𝐞𝐚𝐬𝐮𝐫𝐞𝐝 𝐢𝐧 𝐩𝐫𝐨𝐝𝐮𝐜𝐭 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬 𝐦𝐚𝐝𝐞 𝐭𝐨𝐝𝐚𝐲. The complexity is real. Tracking account limits, product certification, government bonus management, provider transfers, contribution tracking, tax reporting, pension-specific order management. Every piece needs to be production-ready before go-live. The financial institutions that move now will be first to market on 1. January 2027 and best positioned to capture long-term assets. At Upvest, we give financial institutions the end-to-end infrastructure to launch a German pension offering from day one. We handle the full complexity of the Altersvorsorgedepot so you can focus on the user experience and product shelf. Swipe through to see how Upvest can support your launch and download our factsheet via the link in the comments. 👇

Qonto partners with Upvest to launch a new in-app investing feature. 🚀 Qonto’s business users can now allocate surplus cash into highly competitive, euro-denominated money market funds from as little as €1. Germany, Qonto's largest market outside France, will be the first to benefit from this new offering, followed by a future market expansion across Europe. For too long, the treasury tools available to large corporates have been out of reach for SMEs. Germany alone has over 3.4 million small businesses collectively holding billions in idle cash. This partnership is a step towards closing that gap. Behind the scenes, Upvest's Investment API handles order execution, settlement, custody, regulatory reporting, and tax processing so Qonto can focus entirely on delivering a seamless experience for its end users. This is what we built our infrastructure for: making capital markets genuinely accessible at scale. Read the full announcement here: 👉 https://lnkd.in/duevd3q2