myPension review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
myPension pairs a German pension policy with a flexible ETF investment contract, taking monthly payments from €25 and charging a management fee of 0.64%. It suits savers who want to pay in monthly and can walk away with the money when needed.
Key facts
- Best for
- Savers in Germany who pay monthly into an ETF pension contract and want access to the money whenever they need it.
- Premium from
- €25↗
- Insurance types
- Life↗
- Provider type
- Broker↗
- Monthly payments
- Yes↗
- Legal entity
- myPension Altersvorsorge GmbH↗
- Headquarters
- Germany↗
- Founded
- 2016↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- Monthly
- Official website
- mypension.de
Savings
- Headline rate
- 10.35%↗
- Rate type
- Variable↗
- Minimum deposit
- €25↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Withdrawals any time and free of charge, paid out within 5-8 business days; contract can be cancelled at any time effective at the end of the current month.↗
- Monthly fee
- €36↗
- Account kind
- Easy access↗
- Regulators
- IHK Frankfurt am Main (Versicherungsvermittlerregister, Vermittlungserlaubnis nach § 34d Abs. 1 GewO)↗
Robo-advisors
- Management fee
- 0.64%↗
- Minimum investment
- €25↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Portfolio types
- ETF↗
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Monthly payments are available, with a minimum investment of €25.
- Withdrawals can be made any time and free of charge, and the contract can be cancelled at any time.
- The portfolio is built on ETF investments, which keeps the investment side simple.
Cons
- A monthly fee of €36 is charged on top of the investment.
- The management fee of 0.64% sits well above the site median of 0.35%.
- Support runs on email, phone and help centre, so there is no live chat.
Ready to try myPension?
Scored 8.7 / 10 by SumCue.
Who it suits
- German savers who want monthly pension contributions rather than a one-off payment.
- People who may need the money early and value easy access over a notice period.
- Investors who prefer a straightforward ETF portfolio to picking their own funds.
Who should look elsewhere
- Anyone who needs live chat, since support runs on email, phone and help centre.
- Investors wanting a wider range of instruments, as the portfolio covers etf.
- Borrowers rather than savers: Oney Préstamos ES starts at €1,000 and lends money instead of holding it.
How myPension compares
8.7 vs 8.6
8.7 vs 9.4
8.7 vs 9.3
8.7 vs 9.4
8.7 vs 8.7
8.7 vs 8.5
8.7 vs 9.4
8.7 vs 8.7
8.7 vs 9.0
8.7 vs 8.7Starts at €1,000 and is a loan, so it suits borrowing needs rather than saving for later.
8.7 vs 9.4
8.7 vs 9.2
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 8.7
8.7 vs 9.0
8.7 vs 8.8Starts at €0, but the money sits as cash in a bank rather than building a pension position.
8.7 vs 8.9
8.7 vs 8.9
8.7 vs 9.0
8.7 vs 8.3
8.7 vs 9.5
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 9.0
8.7 vs 9.0
8.7 vs 9.0
8.7 vs 9.0
8.7 vs 9.0
8.7 vs 8.9
8.7 vs 8.9
8.7 vs 8.9- 8.7 vs 8.6
8.7 vs 8.6
8.7 vs 8.5
8.7 vs 8.4
8.7 vs 8.3
8.7 vs 8.3
8.7 vs 8.2- 8.7 vs 8.0
Where myPension is available
- Available
- Germany
- Licence in Germany
- IHK Frankfurt am Main (Versicherungsvermittlerregister, authorisation under § 34d Abs. 1 GewO) (D-C5H3-1FR97-31), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does myPension charge?+
The investment side carries a management fee of 0.64%, compared with a site median of 0.35%. A monthly fee of €36 is charged on the contract, so the running cost is the management fee plus that monthly amount.
How much do I need to start?+
The minimum investment is €25, and the same figure is the starting point for the pension policy. Monthly payments are available, so contributions can be spread rather than saved up first.
Can I get my money out early?+
Withdrawals can be made any time and free of charge, and they are paid out within a short processing window. The contract can be cancelled at any time, with the cancellation taking effect at the end of the current month.
Is myPension regulated?+
myPension is a broker, run by myPension Altersvorsorge GmbH, and it appears in the insurance intermediary register of IHK Frankfurt am Main. Its legal notice states deposit protection of EU DGS up to EUR 100,000 and investor protection of EU ICS up to EUR 20,000.
What am I actually investing in?+
The portfolio is built on ETF investments, and the rate type is variable, so the value of the position moves with markets. There is no fixed return attached to the contract, which suits people comfortable with market-linked growth.
How do I contact support?+
Support runs on email, phone and help centre, which covers email, phone and a help centre. Live chat is not among the channels, so anyone who plans to rely on instant messaging would look elsewhere.
Who is myPension aimed at?+
It fits people in Germany who want a pension contract paid monthly and the freedom to cancel. The low entry point of €25 also suits savers building a position gradually in small monthly amounts.
Sources
- mypension.de checked September 26, 2026
Backs: Headline rate, Support channels
“The myPension World portfolio achieved an annual value development of 10.35% over the last 14 years (source: ExtraETF, as of 24.03.2026)”
- mypension.de/altersvorsorge checked September 26, 2026
Backs: Minimum deposit, Minimum investment, Pricing model, Premium from
“Even with small contributions for career starters myPension is already worthwhile with low contributions of 25 EUR per month.”
- mypension.de/anlage checked September 26, 2026
Backs: Portfolio types
- mypension.de/faqs checked September 26, 2026
Backs: Access terms, Account kind, Insurance types, Monthly payments, Rate type
“One of our big advantages is that you can access your fund assets at any time ... a payout can take 5-8 business days ... You can cancel your contract at any time at the end of the current month.”
- mypension.de/impressum checked September 26, 2026
Backs: Deposit protection, Provider type, Headquarters, Investor protection, Legal entity, Regulators
“Berufsbezeichnung: Versicherungsmakler; Bundesrepublik Deutschland”
- mypension.de/kostenvergleich checked September 26, 2026
Backs: Management fee, Monthly fee
“Jährliche Verwaltungskosten inklusive Fontkosten 0,64%”
- mypension.de/ueberuns checked September 26, 2026
Backs: Founded
- vermittlerregister.info checked September 26, 2026
Backs: Licences
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
myPension
Savers in Germany who pay monthly into an ETF pension contract and want access to the money whenever they need it.