For its new offer, the institute does not rely on the algorithm of a robo-advisor, but rather on investment specialists. What this means for customers.
Deutsche Bank now offers digital asset management in which specialists determine the investment strategy - and not an algorithm like the previous robo-advisor Robin.
The digital product requires a minimum investment of 500 euros; regular deposits are possible from one euro per month.
Customers can choose from five investment strategies, the fees are based on investment amounts: 0.75 percentage points up to 25,000 euros, 0.7 percentage points up to 100,000 euros and 0.65 percentage points above, product costs remain at 0.15 percentage points.
The bank wants to use the offer to strengthen long-term customer relationships and recurring income.
Frankfurt. A good year after the ban on new customers for its internal robo-advisor Robin, Deutsche Bank is again offering its customers digital asset management. Unlike Robin, this time no algorithm determines the investment strategy. This is done by the specialists from Germany's largest credit institution.
“The key portfolio decisions continue to be made by our experienced portfolio managers based on our capital market assessments,” said the bank’s Head of Wealth Management, Raffael Gasser. The minimum investment for the completely digital product is 500 euros, as the institute announced.
Regular deposits are possible from just one euro per month. In the words of Dominik Hennen, who heads Deutsche Bank’s mass customer business in Germany, the bank is “making professional investment accessible to significantly more people”.
Deutsche Bank has expertise in supporting wealthy customers with securities investments. However, such individual advice is only worthwhile for banks if customers bring very large investment amounts. Digital asset management is less individual than looking after very wealthy customers, but it still offers five different investment strategies. So far, the bank has lacked an investment product for a broad range of customers who want to use asset management without being very rich.
Until 2025, Deutsche Bank, like some of its competitors, still offered a robo-advisor. Such offers invest customers’ money automatically according to an algorithm. In August 2025, however, the bank imposed a ban on new customers for its robo-advisor Robin.
The new solution differs from Robin in several ways, not just in who makes the investment decisions. With the new digital asset management, customers can choose between five investment strategies. With Robin the selection was larger. The fees there were uniform at 0.75 percentage points for administration and around 0.15 percentage points for product costs.
The new offer staggers them. Up to an investment volume of 25,000 euros, Deutsche Bank charges 0.75 percentage points for administration and 0.15 percentage points for product costs. With a volume of 25,000 to 100,000 euros, the service costs drop to 0.7 percentage points. From 100,000 euros they are 0.65 percentage points, the product costs remain at 0.15 percentage points.
With this step, the bank primarily wants to increase its commission income in the private customer division. “In this way, we are strengthening long-term customer relationships and recurring income with the aim of doubling discretionary asset management in the private customer bank from 2025 to 2028,” said wealth management boss Gasser.
Fee income is attractive for banks because they hardly tie up any equity capital for such transactions. This fits with Deutsche Bank's strategy of increasing its return on equity through more economical use of equity capital.
