Consorsbank Review 2026
According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details
- Web platform
- FutureTrader
- Consorsbank Pro
- mobile app Consorsbank
- Leverage is up to approved derivative margin levels through Margin-Konto
- Regular investment plans, ESG fund filters, IPO access
Our Evaluation of Consorsbank
According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details
Consorsbank is a moderate-risk broker with the TU Overall Score of 5.15 out of 10. Having reviewed trading opportunities offered by the company and reviews posted by Consorsbank clients on our website, Traders Union expert Anton Kharitonov recommends users to thoroughly analyze pros and cons before opening an account with this broker as not all clients are satisfied with the company, according to reviews.
How we tested Consorsbank
Traders Union has analyzed financial markets for over 14 years, evaluating brokers based on 250+ transparent criteria, including security, regulation, and trading conditions. Our expert team of over 50 professionals regularly updates a Watch List of 500+ brokers to provide users with data-driven insights. While our research is based on objective data, we recommend that users perform independent due diligence and consult official regulatory sources before making any financial decisions.
Learn more about our methodology and editorial policies.
Brief Look at Consorsbank
Consorsbank is a German online broker and bank that is part of the BNP Paribas Group. Founded in 1994, it is one of the larger retail brokers in the German market. Consorsbank is regulated by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) and operates under the oversight of the European Central Bank (ECB). In BaFin’s register of banking and investment service providers, Consorsbank is listed under ID 10108556. Clients can trade on German and international stock exchanges, including Xetra and Börse Frankfurt, and can buy stocks, ETFs, bonds, derivatives, and other instruments. The broker also supports investment plans with regular contributions.
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- Regulated broker supervised by BaFin and backed by BNP Paribas.
- Access to more than 20 international and European stock exchanges.
- A web trading platform with advanced filtering and analytics tools.
- Automatic investing through Sparpläne (investment plans).
- More than 9,500 ETFs and funds available for regular monthly contributions.
- Minimum investment plan contribution is €10.
- No custody fees for active investors.
- Standard commission rates may be less competitive for active traders.
- Leveraged trading of stocks and ETFs is not available; leverage applies only to derivatives.
TU Expert Verdict
Chief Analytics Officer
Consorsbank is a German online broker and bank operating under BaFin and European Central Bank regulation, offering a combination of self-directed and managed investing across stocks, ETFs, funds, options, futures, and bonds. The broker supports regular investment plans starting at EUR 10 per month, trading through its web platform, FutureTrader for derivatives, and the Consorsbank Pro platform for active exchange participants. Clients benefit from structured order execution on major exchanges such as Xetra, Frankfurt, and Eurex, and can use automated investment solutions or build bespoke portfolios. Margin trading is available for derivatives via a dedicated account, and the minimum order size is just one unit or EUR 10 for investment plans.
A few disadvantages are that market leverage is restricted to derivatives with no leveraged trading for stocks or ETFs, standard commission rates can be costly for high-volume traders, and access is currently unavailable for German residents. Consorsbank may therefore be more suitable for investors seeking a blend of banking and investing solutions with professional support rather than active traders prioritizing lower costs or leverage across all asset classes.
Consorsbank Summary
Your capital is at risk. The risk of loss in online trading of stocks, options, futures, currencies, foreign equities, and fixed Income can be substantial.
| 💻 Trading platform: | Web-Plattform, FutureTrader, Consorsbank Pro, mobile app Consorsbank |
|---|---|
| 📊 Accounts: | Wertpapierdepot, Gemeinschaftsdepot, Margin-Konto, Investmentkonto, Junior-Depot |
| 💰 Account currency: | EUR |
| 💵 Deposit / Withdrawal: | Bank transfer, cash withdrawal via Reisebank branches |
| 🚀 Minimum deposit: | None (for investment plan – from €10 per month) |
| ⚖️ Leverage: | Leverage is up to approved derivative margin levels through Margin-Konto |
| 💼 Copy Trading: | No |
| 📈️ Min Order: | From 1 share or minimum fund / ETF contribution |
| 💱 EUR/USD spread: | From €3.95 per trade (stocks / ETFs); investment plans – from 0% (on selected ETFs) |
| 🔧 Instruments: | Stocks, ETFs, funds, options, futures, bonds, IPOs |
| 💹 Margin Call / Stop Out: | N/A |
| 🏛 Liquidity provider: | Exchange venues (Xetra, Frankfurt, Eurex etc.) |
| 📱 Mobile trading: | Yes |
| ➕ Affiliate program: | Yes |
| 📋 Order execution: | Market execution through exchanges |
| ⭐ Trading features: | Regular investment plans, ESG fund filters, IPO access |
| 🎁 Contests and bonuses: | Yes |
Consorsbank executes trades through several platforms. The Web-Plattform is used for trading stocks, ETFs, and investment funds, while FutureTrader is designed for derivative trading. Consorsbank Pro is a professional desktop platform intended for active exchange trading. The mobile app combines banking and investment functions in a single interface. Derivative trading is available on Eurex, CME, CBOT, and other international exchanges.
Consorsbank Key Parameters Evaluation
Trading Account Opening
The Consorsbank account opening process is fully online. For German residents, the procedure is simplified, while non-residents may need additional documents.
To start trading with Consorsbank, follow these steps:
Select the account type, enter personal data, tax status, investment goals, and experience.
Verify identity via VideoIdent (online) or PostIdent (at Deutsche Post offices).
Sign the agreement online or send it by mail, depending on the account type.
Activate the account to receive access to the user account and trading platform.
Features of Consorsbank user account allow traders to:
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View their portfolio, balance, and transaction history.
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Connect and edit investment plans.
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Manage profile, tax settings, and notifications.
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Access report archives (quarterly and annual statements, tax documents).
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Integrate bank accounts for deposits and withdrawals.
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Manage subscriptions for managed products and portfolio analysis.
Is Consorsbank Safe?
Consorsbank is a brand of BNP Paribas S.A. Niederlassung Deutschland, licensed under ID 10108556 to provide banking and investment services in Germany. The broker is supervised by BaFin and regulated by the ECB under the EU’s Single Supervisory Mechanism.
It is a member of Germany’s statutory deposit protection system (EdB – Entschädigungseinrichtung deutscher Banken GmbH), protecting client funds up to €100,000 per person. Additionally, it participates in the voluntary ESF (Einlagensicherungsfonds) scheme for extra coverage depending on client status.
Advantages
- Protection of client funds through state and private insurance systems.
- Compliance with EU consumer and financial transparency rules.
- Two-factor authentication, encrypted connections, and IP-based access control.
Disadvantages
- Complaints handled under German law may be complex for non-residents.
- Insurance coverage is limited to the set cap and does not cover market losses.
Commissions and Fees
Consorsbank trading fees include a fixed amount plus a percentage component. Rates depend on the client tier, which is assigned automatically based on activity, trade frequency, and asset volume. At Silver level, the fee is €4.95 plus 0.25% per order. Gold applies a €3.95 fixed fee with the same 0.25% variable component. Platinum includes six sub-levels where the variable portion ranges from 0.22% to 0.08%, with the fixed fee set at €3.95. The total commission per order is capped at €69.
| Account type | Spread (minimum value) | Withdrawal commission |
|---|---|---|
| Wertpapierdepot Silver | €4.95 + 0.25% of trade value | Bank fee |
| Wertpapierdepot Gold | €3.95 + 0.25% of trade value | Bank fee |
| Wertpapierdepot Platinum | €3.95 + 0.08% of trade value | Bank fee |
Account Types
All accounts are opened online and integrated into the bank’s digital infrastructure, providing access to reports, tax statements, and investment plan management.
Deposit and Withdrawal
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Deposits only via bank transfers (SEPA).
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Processing time: 1–2 business days for external transfers.
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Withdrawals to the client’s bank account or cash at Reisebank branches (up to €25,000 per transaction).
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Processing time: 1–2 days for Wertpapierdepot accounts; up to 10 days for Investmentkonto due to asset liquidation.
Investment Options
Consorsbank offers several passive income solutions, from regular ETF savings plans to professional asset management. These tools support long-term wealth building with minimal day-to-day involvement.
ETF-Sparplan – regular investing in exchange-traded funds
ETF-Sparplan is an automatic investment program where a fixed amount is invested on a regular basis to purchase units of selected ETFs. It suits investors focused on long-term capital growth, lower costs, and reduced need for manual trading.
Key features:
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Minimum contribution from €10 per month.
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Access to over 1,500 ETFs from leading asset managers.
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Execution fee can be €0 for promotional funds.
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Option to pause, change amount, or cancel any time through the user account.
The program allows ETF selection by theme, region, or strategy (including ESG). Orders execute automatically on the chosen date. It is a convenient solution for regular investors seeking automation and discipline.
Consorsbank affiliate program
Consorsbank runs a referral program called “Freunde werben Freunde,” rewarding existing clients for bringing new users once certain conditions are met. A referral must meet at least one criterion for the bonus to apply:
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Start investing in a fund or ETF plan.
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Execute trades worth at least €2,500.
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Transfer securities worth €2,500 and hold them for at least 3 months.
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Transfer €700 to a checking account from an external bank.
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Transfer €25,000 to a savings or brokerage account.
The bonus is credited within 14 weeks after requirements are fulfilled. The program requires no additional agreement and is available to all registered clients.
Customer Support
Consorsbank provides customer support primarily through digital channels, including phone, secure messages within the user account, and email. Support is available Monday to Friday from 07:30 to 22:00 (CET).
Advantages
- Extended weekday hours up to 22:00.
- Separate contact lines for investment, technical, and banking queries.
- Ability to send secure messages directly from the user account.
Disadvantages
- No 24/7 support.
- Email response time may take several business days.
Available contact channels
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Contact form on the website.
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Online chat.
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Email.
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Telephone.
Consorsbank recommends submitting investment-related inquiries by phone or through secure messaging within the user account, while general questions can be sent via the contact form or email.
Contacts
| Foundation date | 1994 |
|---|---|
| Registration address | Bahnhofstraße 55, 90402 Nürnberg, Germany |
| Regulation | BaFin, ECB |
| Official site | https://www.consorsbank.de/home |
| Contacts |
+49 (0)911 369 3000, 0911 / 369 – 79 79
|
Education
Educational materials mainly explain basic investment topics and Consorsbank products. Advanced content is limited.
Detailed review of Consorsbank
Consorsbank is a German broker providing access to a broad range of investment instruments in European markets. Through its platform, investors can trade stocks, ETFs, and mutual funds, as well as set up automated savings plans. The services are designed for both beginners and experienced investors focused on long-term, structured investing.
Consorsbank by the numbers:
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Founded in 1994 (as Direkt Anlage Bank AG).
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Operating under the Consorsbank brand within BNP Paribas S.A. since 2014.
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Investment protection up to €100,000 per client.
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More than 1.5 million clients in Germany.
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Access to over 1,500 ETFs.
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Support for more than 20 international and German exchanges.
Consorsbank infrastructure and investment philosophy
Consorsbank positions itself as a universal broker for private investors focused on medium- and long-term investing. Unlike speculative platforms, it prioritizes steady capital growth through stocks, ETFs, and mutual funds. Users can set up regular investment plans (Sparpläne), which supports automated and disciplined investing.
Consorsbank uses BNP Paribas infrastructure, combining banking and investment services in one online environment. Users can link portfolios, monitor performance, and adjust plan parameters directly through the user account. Key strengths include reliability, German regulation, and full segregation of client assets. Deposits and securities are held separately from the bank’s own funds, with investor protection provided through Germany’s deposit and investor compensation systems.
Useful Consorsbank services:
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Creation and automation of investment plans for stocks, ETFs, and funds.
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Filters for asset selection by theme, industry, risk level, or goal.
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Built-in tools for yield, fee, and asset structure analysis.
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Personalized portfolio analytics with performance and allocation tracking.
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Integrated bank account management and simplified reporting.
Advantages:
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