1Mes·

Depot move from ConsorsBank to TradeRepublic.

Carsten · 2024-12-17T19:37:33.658656Z

Ich habe gestern meinen Depot Umzug von der Consorsbank nach TradeRepublic in Auftrag gegeben. Ein paar Überlegungen haben mich dazu bewogen. Sparpläne sind kostenlos (kann sich ändern) Sparpläne können wöchentlich ausgeführt werden. (Bei der Consorsbank nur monatlich. Aber man kann Einmalzahlungen anschieben zu bestimmten Tagen im Monat. Ob das bei TR geht habe ich noch nicht rausgefunden) das Roundup und das Cashback der Debitkarte sind sehr Interessant. Sofern man konsequent mit Karte zahlt. Aber ich bin ein Mensch, der kleine Summen lieber bar bezahlt. Auch schon um den kleinen Unternehmen (Bäckerei usw.) nicht noch die Gebühren aufzudrücken. Bei grösseren Summen ist mir das egal.) Ich habe heute die Karte ausprobiert mit 2 wirklich kleinen Käufen. Haben zusammen 43 Cent gebracht. TR funktioniert mit der Finanzguru App, aber nicht richtig mit Getquin (bisher) eventuell tut sich da noch was, Das soll irgendwas mit einer API zu tun haben. Kein Plan. 1 Euro pro Order 3,25% ab morgen 3% auf den Cashbestand. Das dreifache bei bei der ConsorsBank. Ich bin von dem Konzept überzeugt, nach viel Recherche im Netz. Der Ablauf war wirklich simpel. Ich konnte den Umzug direkt online bei der ConsorsBank beantragen. Es können aber nur ganze Stücke übertragen werden, aber das sollte bekannt sein. Die Vollen Anteile der ETF und Aktien war 10 Minuten nach dem Absenden des Auftrages aus dem Depot ausgebucht. Der Verkauf der Teilstücke war kostenlos. Hat aber ein wenig gedauert. Aber auch das wusste ich Dank dem WWW. Die Summe aus den Teilstücken bleibt erst mal auf dem Verrechnungskonto für die Vorabpauschale. Nun heisst es abwarten, bis das Depot übertragen wurde. Auch bin ich gespannt, ob die Steuerunterlagen und die Verlusttöpfe übernommen werden. Ein wenig Mulmig ist glaube ich jedem, wenn seine Wertpapiere irgendwo im Orbit rumfliegen. Ich halte Euch auf dem Laufenden, wie lange es gedauert hat und so weiter. Ich wünsche Euch allen ein Frohe Weihnachtszeit. Carsten Erstellt ohne K.I. dafür bestimmt mit Fehlern :-) Update: 16.12.24 Übertrag beantragt Es tut sich was 17.12.24 das hätte ich nicht erwartet : WOW die ersten Papiere trudeln bei TR ein. $O $NVDA $NKE $TDIV $QBTS (erster Testkauf bei TR) Update: 18.12.24 Alle Posten wurden zu TR Übertragen. Und das innerhalb von zwei Tagen. Ich glaube schneller gehts nicht. UPDATE 24.12. Weihnachtsüberraschung. 11:20 Uhr Alle Transaktionen wurden übernommen. Kaufkurse stimmen überein. Buy in stimmt. Also alles in Allem super gelaufener Depot Wechsel. Ich bin Happy Gruß Carsten

Yesterday I ordered my securities account transfer from Consorsbank to TradeRepublic.

A few considerations prompted me to do this.

Savings plans are free of charge (may change)

Savings plans can be executed weekly. (At Consorsbank only monthly. But you can trigger one-off payments on certain days of the month. I have not yet found out whether this is possible with TR)

the roundup and the cashback of the debit card are very interesting. Provided you consistently pay by card. But I'm a person who prefers to pay small amounts in cash. Not least so that small businesses (bakeries etc.) don't have to pay the fees. I don't care about larger sums). I tried out the card today with 2 really small purchases. Together they brought 43 cents.

TR works with the Finanzguru app, but not properly with Getquin (so far), maybe something is still going on there, it's supposed to have something to do with an API. No plan.

1 Euro per order

3.25% from tomorrow 3% on the cash balance. Three times as much at ConsorsBank.

I am convinced of the concept after a lot of research on the net.

The process was really simple. I was able to apply for the transfer directly online at ConsorsBank. However, only whole items can be transferred, but that should be known.

The full units of ETFs and shares were booked out of the custody account 10 minutes after the order was sent.

The sale of the partial units was free of charge. But it took a little while.

But I also knew that thanks to the WWW.

For the time being, the sum from the parts remains in the clearing account for the advance lump sum.

Now I have to wait until the deposit has been transferred. I'm also curious to see whether the tax documents and the loss pots will be transferred.

I think everyone feels a little queasy when their securities are flying around in orbit somewhere.

I'll keep you posted on how long it took and so on.

I wish you all a Merry Christmas.

Carsten

Created without A.I. but certainly with errors :-)

Update:

16.12.24 Transfer requested

Something is happening 17.12.24 I would not have expected that

WOW the first papers are arriving at TR.

$QBTS (+4,24%) (first test purchase at TR)

Update: 18.12.24

All items have been transferred to TR. And that within two days. I don't think it could be faster.

UPDATE 24.12. Christmas surprise. 11:20 a.m.

All transactions have been transferred. Buy prices match.

Buy in is correct. So, all in all, a great change of custody account.

I am happy

Greetings

Carsten

26 Commenti

Memo0606@Memo0606

1Mes

lieber scalable 🤔

•

Carsten@Carsten1970

1Mes

@Memo0606 Because of the weekly execution of the savings plans, TR was my first choice. Scalable only offers monthly, twice a month, quarterly, semi-annually and annually.

•

Franz@Cyonix

1Mes

@Memo0606 because? What advantage does SC offer?

•

ToDaMoon@randomdude

1Mes

@Cyonix If you read gq, it sounds like there are only three brokers in Germany 😅

•

Stewie G.@Stewie

1Mes

@Memo0606 What does scalable offer compared to tr

••

Carsten@Carsten1970

1Mes

@Stewie I think a flat rate for a few euros a month. 🤷

•

MarTheRadi@marda304

1Mes

I also recently moved from Consors to TR again. They still can't take over cost prices. Support is even worse than two years ago. Now there is only a chat, which does not offer all options.

•

Carsten@Carsten1970

1Mes

@marda304 Well, I'll wait and see. But thanks for your input. The starting prices are not so important to me now. I've only been in the game for 1 year. I can easily remember where I got in

••

Haberlapp@Haberlapp

1Mes

At the moment I am mainly with Comdirect and Trading212 and am also considering running everything together with one provider, I have my eye on Finanzen.net ZERO. But as long as nobody offers the basket option like T212, I'll leave it at that for now.

•

Nils@fischit

1Mes

But if you don't have any shares in the Consorsdepot, no upfront fee is due. This is then paid via TR

•

Carsten@Carsten1970

1Mes

@fischit I have no idea about that, I was under the impression that the advance lump sum is calculated from January 1 to December 31.

Greetings Carsten

••

Bernte B.@lampe699

1Mes

I am quite happy with TR but the support is already 💩.

•

D.S.@Cato_Bamboo

1Mes

It took me a whole 3 days to see my titles at TR again. Saturday partial transfer from ING to TR, Tuesday evening everything was there. At least the shares and the corresponding values. What is missing so far is the original by-in, but that is supposed to be booked within 3 weeks. Otherwise, I don't know how to calculate the tax correctly for positive sales........? ING already had a tax statement with the respective balances. So it remains exciting.......

•

Maximilian@Max095

1Mes

$QBTS 😎

•

Carsten@Carsten1970

1Mes

@Max095 This was my first test purchase with TR. I already wanted to buy at Consors, but with such a small position, the fee was too high for me

•

Maximilian@Max095

1Mes

@Carsten1970 Congratulations on that😊Do you want to hold for the long term or just as a trade?

•

Carsten@Carsten1970

1Mes

@Max095 Since the position is very small, I'll hold it for now. it's not worth it for gambling. Maybe I'll add to it again.

•

Maximilian@Max095

1Mes

@Carsten1970 You're right

••

Benschi83@Benschi83

1Mes

The cost prices are not corrected. Tax statement not comprehensible. Support not available. I wish you good luck and hope you don't have the same bad experiences.

•

Carsten@Carsten1970

1Mes

@Benschi83 I'll just wait and see. Quote from the TR page:

"We receive your acquisition data automatically from your previous custodian bank via the so-called TaxBox procedure. They should normally be entered a few days after the transfer. If the settlement after the sale of a transferred position is incorrect, please contact the transferring custodian bank again. You can ask them to resend the acquisition data via the TaxBox procedure.
Our BIC "TRBKDEBB" must be stated when sending via the TaxBox procedure. If your previous custodian bank provides a bank sort code (which we do not have) or a different BIC, the data unfortunately cannot be assigned."

End quote

Greetings
Carsten

•

Dennis@Highvalue

1Mes

The purchase prices at TR are really absolutely incorrect and misleading. I created a support ticket and got this answer in the chat:"

...thank you for your message regarding your Buy In ad.

Even if your Buy In values are not yet displayed correctly, your purchase values are already stored in our system. Please refer to your purchase prices in your purchase statements when making sales decisions.

Please note that the Buy In display is purely indicative and therefore not relevant for settlement or for calculating the tax assessment basis."

I find the last paragraph very interesting if you have a lot of transactions and the securities account is large... NA MANY THANKS TR?!

I'm sticking with consors Bank as my main custody account, because they have customer service and if something goes wrong, everything is quickly straightened out.

••

Carsten@Carsten1970

4Settimana

@Benschi83 But today 24.12. at 11.20 all transactions have been taken over with cost prices. Running at Christmas

••

Zatira@fin_free

1Mes

In my case, the transfer of purchase prices at TR was often agonizingly slow. The absolute lowlight was a transfer that took almost a year and I got to know the almost non-existent and largely incompetent support team 😂. Good luck to you that you need little support, then TR is really good 🍀.

•

Carsten@Carsten1970

1Mes

@fin_free Thank you. I hope I don't have to contact support.

••

Grimod@Grimod

1Mes

I think such portfolio transfers are always tricky.

This year I transferred $VUSA from Scalable to IngDiba. Just the one position.
Apart from the fact that it took 2 months, it was there at some point, of course without any carryforward values.

But the big hit came 4 months later.

Scalable suddenly booked the shares that had been transferred again. The transfer was canceled. Hm, I was ready to complain but I think I'll wait. At IngDiba, however, the shares also remained in the portfolio.
Waiting didn't change anything.
Then, as an honest person, I took action and discussed the situation with Scalable.
After 2 more months, everything was ok again.

•

Kill_Baulitz@Johann_van_der_Smut

4Settimana

The fast transfer goes from Consors. Ing to TR also in 3-4 days. TR to Ing: nothing happened for days and then I first had to contact support to get the technical side of things sorted out. From then on it went quickly. In short: TR has no great interest in "giving away" values and that's why it takes longer if you don't push it

•