Solutions

Our open architecture platform allows banks to gather retail deposits from across Europe onto their home balance sheet without requiring a proprietary local retail infrastructure. Deposit offers from Product Banks are listed on the Deposit Solutions platform and marketed to savers in their respective local markets through:

comonea             zinspilot

Our Solution
for Product Banks

For Product Banks, Deposit Solutions offers the one-stop, full service solution to gather retail
deposits in Europe.

If you are a bank looking for deposit funding, our platform allows you to gather cross-border retail deposits onto your home balance sheet without the need to set up and operate your own retail infrastructure. This enables you to gather funding without expensive marketing and without the need to open, run and maintain hundreds to thousands
of individual retail client accounts.

Your Benefits:

  • Access to cost-efficient retail funding
  • Diversify your funding channels
  • Improve your LTD, LCR & NSFR ratios
  • Switch on – Switch off when needed
  • Variable costs model
  • No operational burden
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bildschirm ZP-gesp

One Platform – Multiple Channels

Deposit offers from Product Banks are listed on the Deposit Solutions’ platform and marketed to savers in their respective local markets through:

  • Our Bank to Bank channel COMONEA
  • Our proprietary retail channel ZINSPILOT

Our Solution
for Client Banks

For Client Banks, Deposit Solutions offers an efficient way to steer excess liquidity off your balance sheet, while at the same time deepening your client relationships.

If you are a bank looking to offload some excess liquidity and improve the experience of your clients, our platform allows you to offer select third party deposit products. This enables your clients to gain access to best-in-class interest rates and minimize the risk of losing your client to another bank.

Your Benefits:

  • Easily release excess liquidity, while maintaining exclusive client relationships
  • Gain an attractive and innovative tool for client acquisition
  • Become the single point of contact for your client’s deposit business
  • Improve client retention by offering your clients best-in-class interest rates through attractive third party products
  • Increase loyalty, share of wallet and cross-selling potential

Your Client’s Benefits:

  • Access to a variety of attractive interest rate products
  • No need to open accounts at various banks
  • High transparency and ease of use through centralized administration of all deposits in one master account
  • Risk optimization through diversification across different banks and countries
  • All offers 100% covered by national deposit insurance schemes
  • No additional costs or hidden fees

Our Solution
for Savers

If you are a saver then our platform allows you to access best-in-class interest rates across the European Union from one master account (either your existing account at your home bank or your ZINSPILOT account).

Your benefits:

  • Access to a variety of attractive interest rate products
  • No need to open accounts at various banks
  • High transparency and ease of use through centralized administration of all deposits in one master account
  • Risk optimization through diversification across different banks and countries
  • All offers 100% covered by national deposit insurance schemes
  • No additional costs or hidden fees

Our Solution
for Financial Advisors
& Wealth Managers

If you are a Financial Advisor or Wealth Manager looking to allocate your client’s term deposits effectively, our platform allows you to offer diversified deposit portfolios over multiple European banks. This enables your clients to access best-in-class interest rates and minimizes the risk of losing your client to competitors.

Your Benefits:

  • Gain an attractive and innovative tool for client acquisition
  • Become the single point of contact for your client’s deposit business
  • Improve client retention by offering your clients best-in-class interest rates through attractive third party products
  • Increase loyalty, share of wallet and cross-selling potential

Your Client’s Benefits:

  • Access to a variety of attractive interest rate products
  • No need to open accounts at various banks
  • High transparency and ease of use through centralized administration of all deposits in one master account
  • Risk optimization through diversification across different banks and countries
  • All offers 100% covered by national deposit insurance schemes
  • No additional costs or hidden fees

Some of our Partners