The Altersvorsorgedepot for banks and savings banks
Market entry without detours, and without an insurance wrapper.
Subsidised pension business used to arrive through insurance partners. Sitting inside online banking are existing customers the Altersvorsorgedepot fits, and today nothing reaches them there.
Calculators and personalised entry points run inside the online-banking frame, in your own branding. A customer who clicks through moves, without losing data, into the same completion journey the branch and the adviser desktop run; channel switches at any point, context preserved.
Walk the journey yourself in the demo portal, from the entry point inside the banking frame through to the suitability check.
End-to-end: the Altersvorsorgedepot, the Frühstart-Rente and Riester comparison and switching in Helvetia's own brand, hybrid advice and completion journeys for self-service and personal advice, ODDO BHF Asset Management as investment partner. Start in two stages: pre-registration from October 2026, confirmation with one click from 1 January 2027. Media release of 7 October 2026.
An AVD partnership on the standard offering: Riester comparison and switching service, bridge products available and completion journeys for the Altersvorsorgedepot from January 2027, for the distributor's advisers in the adviser cockpit, without a product factory of their own.
Named are the partners whose own announcement is out. Where it is still to come, the case stands here without a name, with no figures that would point back to a partner. A selection, not the full list.
The subsidised account in your own name, in the branch and in online banking.
For the branch and online banking, the Altersvorsorgedepot fits, and the Frühstart-Rente with the Kinderdepot, a reason to speak to whole families. All products at a glance →
What you can check before you talk to us.
- Xaver Asset Management GmbH, a regulated investment firm (WpIG), since 2025.
- A start in two stages: pre-registration from October 2026 (advice, suitability assessment, product choice), confirmation with one click from 1 January 2027, advisers and self-service on the same data.
- Partnerships with ODDO BHF and Upvest.
- API-first architecture with no accumulated legacy, the ways to connect are documented.
- Advice in 50+ languages.
What banks and savings banks ask at this point.
How does the platform fit into our system landscape?+
Through open interfaces. The ways to connect, under your brand, inside your website or app, through a bank or savings bank, and with your existing customers, are described in the documentation. The full API reference is available through demo access.
Can advisers complete directly inside the journey?+
Yes. Every variant is completed in one journey, from the Standarddepot to the full Altersvorsorgedepot with state allowances. Switching between self-service, adviser-assisted and personal advice is possible at any point without losing data or context.
Are our advisers trained?+
Yes. The sales-tools module includes the academy: learning paths on the Altersvorsorgedepot with a final test and an optional Altersvorsorgedepot certificate, plus tutorials, product documents and FAQ, under your brand. We set up access through demo access.
Walk through your use case with us.
- We show you the modules that matter for your case
- With Max Bachem, founder & CEO
- No obligation, no preparation needed