Overview
- The S‑Neo service will let users trade more than 21,000 securities—stocks, funds and ETFs—directly inside the Sparkassen app.
- Access starts in summer 2026 for 19.8 million existing app users, with a planned opening to non‑customers by year‑end.
- Each of the 339 savings banks will determine fees, and the DSGV says the offer will be price‑competitive with neobrokers.
- The initiative seeks to move part of €845.1 billion in largely low‑interest sight deposits into securities after €18.4 billion in net purchases in 2025.
- A separate cryptocurrency module is planned for the app by late 2026 and will be optional for individual Sparkassen.