The highest level of security is our top priority

Find out how we guarantee the maximum security for your money

on Google & Trustpilot

€400M

Assets Under Management

on Google & Trustpilot

€400M

Assets Under Management

on Google & Trustpilot

€400M

Assets Under Management

on Google & Trustpilot

€400M

Assets Under Management

Regulated securities institution in Germany

Ginmon is a securities institution regulated in Germany, licensed and supervised by the Federal Financial Supervisory Authority (BaFin) and the Deutsche Bundesbank. As such, Ginmon is subject to the strictest supervision in Europe.

Payouts only to the reference account

Withdrawals from the Ginmon account are only executed to a reference account provided by you, which is in your name. Neither Ginmon nor any third parties have access to your assets.

Two-factor authentication

Two-factor authentication ensures that security-related functions (e.g. address changes, reference account changes, etc.) are only possible in combination with your smartphone. Therefore, should your password ever fall into the wrong hands, this serves as effective protection for your account and assets.

State-of-the-art technology on German servers

For maximum security, we use SSL encryption to bank standards. Our servers are located in Germany and all data is subject to the highest German and European data protection standards.

Renowned partner

The safekeeping of your investment and the processing of securities are conducted in cooperation with renowned European major banks as well as top-tier partners such as DAB BNP Paribas Bank, ABN AMRO, Clearstream Deutsche Börse, and Upvest. All partners are subject to strict national and EU-wide regulations that ensure the protection of cash deposits.

No counterparty risks

Even when choosing ETFs, we prioritize maximum safety. Unless structurally unavoidable (e.g. rolling commodity ETFs), we always opt for physically replicating ETFs instead of swap-based ETFs. Additionally, we only accept minimal securities lending (average max. 20% NAV) with at least 100% coverage within the ETFs.

Any questions?

Contact us

What are capital-forming benefits?

Capital-forming benefits (VL or VWL) are cash benefits from the employer, either on a voluntary basis or based on a regulation in the collective or employment contract. The money gift from the employer must be paid into a specific form of investment.


The employer can add up to €40 per month to your gross salary. Whether and how much your employer pays is usually regulated in the employment or collective agreement

What is the advantage of an ETF savings plan over building loan contracts / bank deposits?

Due to the current interest rate situation, building loan contracts and bank deposits hardly yield any returns. It is therefore advisable to invest the capital-forming benefits on the capital market, as is the case with Ginmon. After all, your savings should continue to increase in the long term.

What are the total costs that I will incur?

Your total costs relate to your respective portfolio volume and are calculated from:


  • The All-In Service Fee (0.75% p.a.)

  • + ETF Fee of the respective fund provider (Global Strategy: 0.17% p.a. or Green Strategy: 0.23% p.a.)


In total, you will always pay less than 1 % p.a.! You will not incur any additional costs (e.g., for opening an account, closing an account, etc.)

What do I have to do to start?

To find out if you receive capital-forming benefits, check with your human resources department or check your employment or collective agreement.


If your employer pays you VL, open your VL account with Ginmon. After opening an account, you will automatically receive a document on which you will find the IBAN of the account.


You pass this document on to your employer and let the VL payments go to your deposit.

I already have a VL contract but would prefer to use Ginmon VL

You can easily change your VL contract.


You inform your employer that the capital-forming benefits should now be paid into Ginmon VL. You will, of course, receive written notification of this from us.


In this case, the first VL contract is no longer saved and the capital-forming benefits are credited to Ginmon VL. You can have the old VL contract paid out after the blocking period has expired.

What happens to the VL account when changing employers?

You can easily transfer the capital-forming benefit payments to your new employer.


If your new employer does not offer any capital-forming benefits, you can ask your employer to pay the other contributions from your net salary into the VL account. Our service is always ready to support you.

Any questions?

Contact us

What are capital-forming benefits?

Capital-forming benefits (VL or VWL) are cash benefits from the employer, either on a voluntary basis or based on a regulation in the collective or employment contract. The money gift from the employer must be paid into a specific form of investment.


The employer can add up to €40 per month to your gross salary. Whether and how much your employer pays is usually regulated in the employment or collective agreement

What is the advantage of an ETF savings plan over building loan contracts / bank deposits?

Due to the current interest rate situation, building loan contracts and bank deposits hardly yield any returns. It is therefore advisable to invest the capital-forming benefits on the capital market, as is the case with Ginmon. After all, your savings should continue to increase in the long term.

What are the total costs that I will incur?

Your total costs relate to your respective portfolio volume and are calculated from:


  • The All-In Service Fee (0.75% p.a.)

  • + ETF Fee of the respective fund provider (Global Strategy: 0.17% p.a. or Green Strategy: 0.23% p.a.)


In total, you will always pay less than 1 % p.a.! You will not incur any additional costs (e.g., for opening an account, closing an account, etc.)

What do I have to do to start?

To find out if you receive capital-forming benefits, check with your human resources department or check your employment or collective agreement.


If your employer pays you VL, open your VL account with Ginmon. After opening an account, you will automatically receive a document on which you will find the IBAN of the account.


You pass this document on to your employer and let the VL payments go to your deposit.

I already have a VL contract but would prefer to use Ginmon VL

You can easily change your VL contract.


You inform your employer that the capital-forming benefits should now be paid into Ginmon VL. You will, of course, receive written notification of this from us.


In this case, the first VL contract is no longer saved and the capital-forming benefits are credited to Ginmon VL. You can have the old VL contract paid out after the blocking period has expired.

What happens to the VL account when changing employers?

You can easily transfer the capital-forming benefit payments to your new employer.


If your new employer does not offer any capital-forming benefits, you can ask your employer to pay the other contributions from your net salary into the VL account. Our service is always ready to support you.

Any questions?

Contact us

What are capital-forming benefits?

Capital-forming benefits (VL or VWL) are cash benefits from the employer, either on a voluntary basis or based on a regulation in the collective or employment contract. The money gift from the employer must be paid into a specific form of investment.


The employer can add up to €40 per month to your gross salary. Whether and how much your employer pays is usually regulated in the employment or collective agreement

What is the advantage of an ETF savings plan over building loan contracts / bank deposits?

Due to the current interest rate situation, building loan contracts and bank deposits hardly yield any returns. It is therefore advisable to invest the capital-forming benefits on the capital market, as is the case with Ginmon. After all, your savings should continue to increase in the long term.

What are the total costs that I will incur?

Your total costs relate to your respective portfolio volume and are calculated from:


  • The All-In Service Fee (0.75% p.a.)

  • + ETF Fee of the respective fund provider (Global Strategy: 0.17% p.a. or Green Strategy: 0.23% p.a.)


In total, you will always pay less than 1 % p.a.! You will not incur any additional costs (e.g., for opening an account, closing an account, etc.)

What do I have to do to start?

To find out if you receive capital-forming benefits, check with your human resources department or check your employment or collective agreement.


If your employer pays you VL, open your VL account with Ginmon. After opening an account, you will automatically receive a document on which you will find the IBAN of the account.


You pass this document on to your employer and let the VL payments go to your deposit.

I already have a VL contract but would prefer to use Ginmon VL

You can easily change your VL contract.


You inform your employer that the capital-forming benefits should now be paid into Ginmon VL. You will, of course, receive written notification of this from us.


In this case, the first VL contract is no longer saved and the capital-forming benefits are credited to Ginmon VL. You can have the old VL contract paid out after the blocking period has expired.

What happens to the VL account when changing employers?

You can easily transfer the capital-forming benefit payments to your new employer.


If your new employer does not offer any capital-forming benefits, you can ask your employer to pay the other contributions from your net salary into the VL account. Our service is always ready to support you.

Any questions?

Contact us

What are capital-forming benefits?

Capital-forming benefits (VL or VWL) are cash benefits from the employer, either on a voluntary basis or based on a regulation in the collective or employment contract. The money gift from the employer must be paid into a specific form of investment.


The employer can add up to €40 per month to your gross salary. Whether and how much your employer pays is usually regulated in the employment or collective agreement

What is the advantage of an ETF savings plan over building loan contracts / bank deposits?

Due to the current interest rate situation, building loan contracts and bank deposits hardly yield any returns. It is therefore advisable to invest the capital-forming benefits on the capital market, as is the case with Ginmon. After all, your savings should continue to increase in the long term.

What are the total costs that I will incur?

Your total costs relate to your respective portfolio volume and are calculated from:


  • The All-In Service Fee (0.75% p.a.)

  • + ETF Fee of the respective fund provider (Global Strategy: 0.17% p.a. or Green Strategy: 0.23% p.a.)


In total, you will always pay less than 1 % p.a.! You will not incur any additional costs (e.g., for opening an account, closing an account, etc.)

What do I have to do to start?

To find out if you receive capital-forming benefits, check with your human resources department or check your employment or collective agreement.


If your employer pays you VL, open your VL account with Ginmon. After opening an account, you will automatically receive a document on which you will find the IBAN of the account.


You pass this document on to your employer and let the VL payments go to your deposit.

I already have a VL contract but would prefer to use Ginmon VL

You can easily change your VL contract.


You inform your employer that the capital-forming benefits should now be paid into Ginmon VL. You will, of course, receive written notification of this from us.


In this case, the first VL contract is no longer saved and the capital-forming benefits are credited to Ginmon VL. You can have the old VL contract paid out after the blocking period has expired.

What happens to the VL account when changing employers?

You can easily transfer the capital-forming benefit payments to your new employer.


If your new employer does not offer any capital-forming benefits, you can ask your employer to pay the other contributions from your net salary into the VL account. Our service is always ready to support you.