Why isn't my entire savings plan invested?

Possible Causes

• Purchase of Fractions: For example, if you set up a savings plan of €100 for an ETF or a stock that costs exactly €150 at the time of purchase, we would have to buy 0.667 shares of this ETF or stock for you, which would cost €100.05. Since this exceeds your savings plan, only 0.666 shares were purchased, resulting in an investment of €99.90. The remaining €0.10 stays as a balance in your settlement account.

• Insufficient Savings Rate: This can occur with very small savings rates in connection with very high security prices. For instance, if you set up a savings plan of €1 and the security price is €1,500, we would need to buy 0.000666667 shares. However, since fractions can only be purchased up to six decimal places and the savings rate should not be exceeded, this rounds down to 0.000 shares. Therefore, the savings rate cannot be invested and is subsequently added to your available balance in the broker.
• Reference account not verified: If your reference account is not verified, you will not be able to deposit funds by bank transfer and we will not be able to collect your savings installment by SEPA direct debit. As a result, your savings plans cannot be executed. Further information about how you verify your reference account can by find here Why do I need to verify my reference account?
• Payment Method SEPA Direct Debit: Please note that the savings installment can only be debited by SEPA direct debit from a verified reference account. If a direct debit is returned before your savings installment is invested, your savings plan will not be executed. In the event that your settlement account shows a negative balance, the deposited savings rate will be used to offset your account and will not be invested. Any remaining amount will then be available for withdrawal or investment as usual.
  Due to returned direct debits, it may also happen that your payment methods are restricted to "Deposit via Bank Transfer." Thus, deposits via SEPA direct debit will no longer be possible.
  If you have set up savings plans with this payment method, they cannot be executed.
  In this case, you have the option to change your savings plans to the payment method "clearing account" and transfer the savings rates in advance. You can make this change in the summary of your savings plan under "Payment Method."
  Please note: For the change of the payment method from SEPA direct debit to "clearing account" to take effect for the next savings plan execution, please ensure that the change is made at least five banking days before the execution of the savings plan.
• Payment Method clearing account: If you have chosen "clearing account" as the payment method for your savings plan, your existing balance in your settlement account will be used for the execution of the savings plan.
  The assessment of whether your balance is sufficient for the execution of the savings plan will occur a few days before execution. Please ensure that your settlement account is sufficiently funded at least five banking days before the execution of the savings plan. If the available balance is insufficient at the time of the assessment, a SEPA direct debit will be initiated from your reference account. If the payment method "SEPA Direct Debit" is not available to you, the savings plan will not be executed to avoid an overdraft of the settlement account.
• Short-term Changes to the Savings Plan: Please note that implementing a savings plan and its processes require a lead time of several banking days. If adjustments to a savings plan are made less than four banking days before execution, they may not be executed and will instead be implemented for the next execution. When creating and modifying a savings plan, you will be shown the earliest possible date when the adjustment takes effect.