Collect the premium for switching securities accounts

Smarte Anleger vergleichen regelmäßig und erhalten für den  Depotwechsel  eine attraktive Prämie!Bildquelle: Bild von Gerd Altmann auf Pixabay
Ebenso wichtig wie die richtige Aktie ist das richtige Depot. Smarte Anleger vergleichen regelmäßig und erhalten für den Depotwechsel eine attraktive Prämie! Bildquelle: Bild von Gerd Altmann auf Pixabay

Custody fees are subject to constant change and should therefore be checked regularly. Because the costs can sometimes be significantly lower at another bank. A change may then be worthwhile. In addition, the banks entice you to switch accounts with an attractive premium. Account-credit comparison explains what needs to be considered when transferring a securities account.

For you as an investor, custody account and order fees are a cost item that should not be underestimated. However, custodian banks are in strong competition with each other and therefore offer investors willing to switch attractive premiums for switching custodians. A move of the depot will be planned. Before changing the depot, there is a comparison of the offers. should Brokerage account-, administrative-, order fees and Interest charges are taken into account. With the constantly updated Depot comparison calculator on Konto-Kredit-Vergleich.de this can be done with just a click of the mouse. In order to be able to make a cost estimate that is as accurate as possible, information about order volume, Number orders per year, Share order via internet as well as the average depot volume necessary. The computer does the rest. If the provider promises a premium for switching depots, it is also important to understand the conditions for this so that there are no surprises in the end. The following depots are recommended Account Credit Comparison:

Empfehlung: Festpreis Aktiendepot von onvista
>> Recommendation: Fixed price stock portfolio from onvista
Empfehlung: Aktiendepot von FlatEx
>> Recommendation: 200 euros cashback for 20 trades at Flatex
Empfehlung:50 Euro Amazon Gutschein durch Eröffnung 1822direkt Depot
>> Recommendation: 50 Euro Amazon voucher by opening 1822direkt depot

Secure an attractive premium by comparing securities accounts

With the constantly updated Depot comparison calculator on Konto-Kredit-Vergleich.de conditions from banks and online brokers can be easily compared. Custody fees, fees for securities orders and credit interest are included in the calculation. Calculated from all factors the depot comparison the cheapest deposit account. Thus, the cheapest depot can be calculated individually. Here it goes Depot comparison. are you at depot comparison If you find what you are looking for, it is time to open the depot

Custody account change + bonus in 5 simple steps

Changing a depot explained step by step. Usually the process is completed within a week and the old depot can be permanently deleted after completion.

1. Eröffnung eines neuen Depots

Go to the website of the bank where you want to open the account. When using the comparison calculator you just click on the link. Below you follow the instructions on the website. After completing all the information, an identification procedure via post or video ident is necessary to confirm your identity.

2. Der Umzug des Depots


Der Umzug der Wertpapiere erfolgt in der Regel über einen Service des neuen Anbieters (Depotwechsel-Service). Hierbei kümmert sich der neue Anbieter um den Übertrag der Wertpapier und auf Wunsch auch um die Kündigung beim alten Anbieter. Falls gewünscht kann die Übertragung der Wertpapiere jedoch auch selber beim alten Kreditinstitut beantragt werden. A depot change is basically free of charge. Dies hat der Bundesgerichtshof entschieden. Allerdings können Fremdgebühren von externen Verwahrstellen und ggf. Verkaufsgebühren für Bruchstücke anfallen. A securities account transfer is only possible for whole shares.

3. Warten: Dauer des Depotübertrags


After everything is set in motion, you have to wait. If you haven't received any information about the storage of your securities with the new provider after 7-10 days, ask what's going on! With my own depot transfer too onvista, it took almost 14 days for the portfolio transfer to be completed. However, other custodian banks are usually faster.

4. Führe die Aktion für Prämie durch


Sometimes providers require certain actions to be taken before paying out the bonus. Beispielsweise müssen für die Auszahlung des Cashbacks in Höhe von 200 EUR bei Flatex Neukunden ein Depot eröffnen und 20 Trades durchführen. Die Anzahl der Trades innerhalb der ersten 12 Monate nach Kontoeröffnung ist ausschlaggebend.

5. Schließen des alten Depots


Es empfiehlt sich, das alte Depot erst zu schließen, nachdem der Übertrag vollständig abgeschlossen ist. Überprüfe auch, ob beim Depotübertrag das korrekte Kaufdatum und der korrekte Kaufkurs übernommen wurden. Die ursprünglichen Kaufdaten müssen übernommen werden, damit der Übertag nicht als Neukauf gewertet wird. Bei Nutzung des Depotwechsel-Service übernimmt die neue Depotbank auf Wunsch die Löschung des alten Depots.

By the way: Termination templates of the old depot you will find here.

Empfehlung: Festpreis Aktiendepot von onvista
>> Recommendation: Fixed price stock portfolio from onvista
Empfehlung: Aktiendepot von FlatEx
>> Recommendation: 200 euros cashback for 20 trades at Flatex
Empfehlung:50 Euro Amazon Gutschein durch Eröffnung 1822direkt Depot
>> Recommendation: 50 Euro Amazon voucher by opening 1822direkt depot

A brief tax consideration when changing securities accounts*

A transfer of securities does not count as a sale for tax purposes because the creditor does not change. The situation is different, however, if the securities are transferred to the partner's custody account. During this process, the tax office is informed and the final withholding tax on the profit becomes due.
Once securities up the depotare transferred to another person, this is a sale for tax purposes and the withholding tax is due. An exception to this rule is the labeling as a gift. You can ask about this at the depot change service.

The following allowances apply to donations:

  • Spouses or registered civil partners: 500,000 euros
  • Children: 400,000 euros
  • Grandchildren: 200,000 euros
  • Lower degree of relationship: 20,000 euros

When transferring the securities account, it is important to ensure that the correct purchase date and the correct purchase price are used. The original purchase data must be adopted so that the overnight stay is not counted as a new purchase.

In addition, loss offsetting pots for withholding tax and the offsetting pot for foreign withholding tax can be taken with you. These details must be communicated to the depot provider when switching. Under offsetting losses one understands Wins minus incurred losses. the withholding tax is to be paid only on the profit actually made. In this way, taxes can be saved by taking the losses with you. Also already paid foreign withholding tax on the Capital Gains Tax to be counted on. This reduces capital gains tax.

*This information is not tax advice and does not claim to replace such. Consult your tax advisor for this.

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