Ranking 2025: Keeping costs in mind: These are the best investment portfolios with advice

In the ranking of best deposit accounts with advisory services as of 2025, customers seeking assistance in investing their money prioritize the support provided by bank personnel. Beate Balke, a Quality Manager at FMH-Finanzberatung, notes that older customers often prefer visiting a bank branch to receive guidance from a consultant or to execute trades directly through a bank employee over the phone.

While online brokers cannot offer the same level of personal support, banks charge higher fees for these services. Therefore, customers must carefully compare prices when choosing a deposit account with advisory services.

The FMH-Finanzberatung has exclusively compiled a ranking of the best deposit accounts with advisory services for the Handelsblatt. The bank comparison included eight nationwide and 24 regional banks, evaluating them based on annual deposit costs and order fees. The main comparison criteria were annual deposit costs and order fees for buying and selling 1,000 and 5,000 Euro worth of securities.

Additional points were awarded for free ETF savings plans, as well as new customer bonuses and cashback offers. Deductions were made for additional conditions, such as the requirement to open a current account with the bank alongside the deposit account.

Nationwide banks:

Top-ranking among nationwide banks, three providers earned the top rating of "very good." Openbank by Santander leads with its stock deposit account, requiring no deposit costs. However, customers pay for each order, which costs between 0.40 percent of the transaction volume, but at least 17.90 Euro. Consequently, a transaction over 1,000 Euro costs 17.90 Euro, while a transaction over 5,000 Euro incurs only slightly higher fees at 20 Euro.

The maximum transaction fee is capped at 99.90 Euro. On the second place, Targobank's Classic Deposit Account secures the "very good" rating. This account charges a basic fee of 30 Euro per year, waived for accounts with a balance of 50,000 Euro or more, or for those using the online post office. For transactions over 1,000 Euro, the bank charges 34.90 Euro, regardless of the transaction volume. Regional banks:

Four of the examined regional banks received the "very good" rating in the evaluation. Leipzig Volksbank topped the regional bank ranking with its Volksbank Deposit Account. The yearly fee for the Musterdepot amounts to 59.40 Euro. Order costs for transactions over 1,000 Euro are relatively low at 9.95 Euro, and at 5,000 Euro they amount to 12.50 Euro.

The prerequisite is having a current account with the Leipzig Volksbank. Just behind is the Hamburger Volksbank with its MeinDepot Classic. The deposit costs for the Musterdepot are 90 Euro per year. For transactions over 1,000 Euro, the bank charges 19.95 Euro, and for transactions over 5,000 Euro, the fee is 37.50 Euro. If a customer conducts nine transactions per quarter, they avoid the deposit fee. Flat-rate deposit accounts for frequent traders:

Frequent traders might find flat-rate deposit accounts more advantageous. These deposit models were separately evaluated by FMH and are intended for investors who frequently trade and are willing to accept a fixed price. Two banks earned the "very good" rating in this category. The "Komfort Depot" offered by the Frankfurt Sparkasse is the top performer.

For the Musterdepot with 50,000 Euro and five positions, annual deposit costs amount to 600 Euro. All transactions, regardless of their size, are covered by this model. The second place is held by Commerzbank's "PremiumDepot," with a yearly fee of 725 Euro. In this model, all transactions are also covered, and order costs over 5,000 Euro do not trigger any additional fees once the free range is reached.