FAST, SECURE, AND STRAIGHTFORWARD:
YOUR PATH TO AN INVESTMENT CUSTODY ACCOUNT
AS A SELF-DIRECTED INVESTOR

OPEN A CUSTODY ACCOUNT

YOUR NEW CUSTODY ACCOUNT
—
IN 5 MINUTES

  • 100 %
    discount on initial sales charges
  • >12.500
    funds & ETFs available
  • €25
    MINIMUM MONTHLY SAVINGS PLAN
  • 5 min
    TO OPEN AN ONLINE CUSTODY ACCOUNT

DO NOT LEAVE MONEY ON THE TABLE —
100% DISCOUNT ON ALL INITIAL SALES CHARGES

The initial sales charge is one of the most common hidden cost factors when buying funds. With INVIOS preferential conditions, it is waived entirely — meaning this money goes directly into your investment instead of into fees.

  • 0% initial sales charge on all funds
  • Low custody account fee: only €25 to €45 per year
  • Maximum transparency on all costs

GET STARTED IMMEDIATELY
AND COST-EFFECTIVELY

The initial sales charge is one of the most common hidden cost factors when buying funds. With INVIOS preferential conditions, it is waived entirely — meaning this money goes directly into your investment instead of into fees.

  • Savings plans available from just €25 per month — with no transaction costs
  • Lump-sum investments from €500, with a maximum transaction fee of only €2; free of charge for custody account volumes of €30,000 or more
  • Fast entry without bureaucracy

REAL CHOICE —
WITHOUT BEING TIED TO A SINGLE PROVIDER

With more than 12,500 funds and ETFs from over 300 fund companies, you have access to one of the broadest ranges on the market. No conflict of interest, no provider-specific preference.

  • Active funds, ETFs, and ETCs in one custody account
  • Free choice from over 300 fund companies
  • Independent decision-making — you decide

EVERYTHING IN ONE PLACE —
MORE THAN JUST A CUSTODY ACCOUNT

The FFB FondsdepotPlus brings all fund investments together centrally in one place. Additional products usefully complement the custody account — without the need for extra accounts.

  • Attractive fixed-term deposit conditions for temporarily parking liquidity — directly available through the custody account
  • Loan against fund holdings of up to 60% — without selling the investments
  • FondsdepotJunior: free custody account management until children or grandchildren reach the age of 18
  • Convenient consolidation of multiple custody accounts from different banks

FULL CONTROL —
ANYTIME, ANYWHERE

Transparency and security are not optional extras, but standard features: online access and the free app give you a complete overview at all times.

  • App with fingerprint access — secure and fast
  • Dynamic limits with automatic notifications
  • All statements and custody account reports available online at any time
  • Performance data and detailed information for each fund at a glance

OPEN YOUR CUSTODY ACCOUNT NOW —
WITH INVIOS PREFERENTIAL CONDITIONS

Online in 5 minutes — via PostIdent or video identification — through FFB FIL Fondsbank

Should you have any questions, we are available to assist you at any time.

WHAT YOU NEED

  • IDENTIFICATION DOCUMENT
    (National identity card or passport)
  • BANK DETAILS
    (For deposits and withdrawals)
  • A FEW MINUTES FOR IDENTITY VERIFICATION
    (Via PostIdent or video identification)

HOW THE CUSTODY ACCOUNT OPENING WORKS —
STEP BY STEP

  1. START THE ONLINE APPLICATION

    You enter the most important details — without paperwork.

  2. CONFIRM YOUR IDENTITY

    Via video identification or PostIdent.

  3. RECEIVE ACCESS

    Your custody account is opened — you can log in and view everything.

  4. CHOOSE YOUR FIRST STEP
    • Optional: set up a savings plan from €25 with no transaction costs
    • Make a lump-sum investment from €500
    • Or simply activate the custody account first and invest later.
  5. IF YOU WOULD LIKE SUPPORT

    Should you wish to receive advice at a later stage, INVIOS is available to assist you.

FOR BEGINNERS
VERY SIMPLE
AND RECOMMENDED

  • You can start small: savings plans are available from €25.
  • You have a clear framework — custody account plus online access — and can decide afterwards.
  • Convenient features such as app access and online custody account reporting help you keep track.

FAQ
FREQUENTLY
ASKED QUESTIONS

  • DO I HAVE TO COMMIT TO THE FUND IMMEDIATELY?

    No. Opening a custody account means creating access. You can invest afterwards.

  • WHAT IF I ALREADY HAVE EXPERIENCE?

    Then you can use the custody account directly and structure your investments independently.

  • WHAT IS THE ADVANTAGE OF GOING THROUGH INVIOS?

    The most important initial benefit is the 100 % discount on initial sales charges.

PODCAST

BÖRSENBRAIN PODCAST:
INVESTING WITH REASON

In the “Börsenbrain” podcast, Nikolas Kreuz talks about the psychology of successful investing. You will learn why 80% of investment success is based on psychology, how behavioral finance works in practice, and what lies behind the INVIOS principle of wealth preservation. For professionals and beginners who want to invest free from emotion and independently of banks.

Available wherever you listen to podcasts.

LISTEN NOW

Current

July 2026

Investier oder verlier
Interviews

Der Sparplan-Trick, der langfristig doppelt so reich macht

Nikolas Kreuz von INVIOS im Gespräch mit dem Finfluencer Lukas Beisswenger von „Investier oder verlier” – vor kurzem mit seiner Partnerin Laura ausgezeichnet bei den Finfluencer Awards 2026 in der Kategorie „Aufstrebende Finfluencer”. Lassen Sie sich dieses spannende Interview nicht entgehen. Rund 80 % aller Anlageentscheidungen treffen wir nicht rational, sondern aus dem Bauch heraus […]

Upcoming Event

12.09.2026

Anlegertag Düsseldorf

Freuen Sie sich auf einen spannenden Vortrag von Nikolas Kreuz, der sein Fachwissen und seine langjährige Expertise in einem unterhaltsamen Vortrag mit Ihnen teilen wird.