爱神传媒

What does the new 爱神传媒 mean?

We set new standards for private investing: Broker, digital wealth management, and loan offerings are seamlessly integrated into a newly developed technology platform. Investors can now open securities accounts directly with 爱神传媒 Capital. Clients benefit from the best conditions for trading, additional strategies in digital wealth management, and a new stock exchange (European Investor Exchange).

With the new offering, clients will enjoy:

• 2% interest p.a.* (variable) on an unlimited amount in PRIME+ and up to €100,000 in FREE; interest according to special conditions at Baader Bank
• All securities accounts in the 爱神传媒 app; switch via Profile
• No additional costs, regular PRIME+ fee will be charged from your account at 爱神传媒 (primarily, dependent on cash balance) or Baader Bank
• Quick Start: Automatically import your Savings Plans, Price Alerts, Portfolio Groups and Watchlist to your 爱神传媒 account

As an existing client, when can I access the new offering?

From now on, broker clients will receive the new 爱神传媒 account in addition to the accounts with Baader Bank. Access is currently being activated step by step in the upcoming days.The prerequisite for this is that you agree to the new terms and conditions.

With the new 爱神传媒 account, you will have access to the new European Investor Exchange exchange, fast payments, attractive conditions for Credit, and we pay 2% interest p.a.* (variable).

Do I receive the same interest rate in both accounts?

In your new 爱神传媒 account you earn 2% interest p.a.* (variable) on an unlimited amount in PRIME+ and up to €100,000 in FREE. The current rates can be found here.

For cash in your Baader Bank account interest rates according to special conditions at Baader Bank apply.

How can I deposit cash into the new 爱神传媒 account?

You can easily instruct deposits and withdrawals in your client area under Payments. Alternatively, you can also transfer from your current account. When making a deposit, please ensure you use your new 爱神传媒 IBAN.

How can I transfer cash between my two accounts?

To transfer cash between your 爱神传媒 and Baader accounts, first instruct a withdrawal to your current account (reference account) in the 爱神传媒 client area of the respective account. You can then deposit the cash to your other account via bank transfer, direct debit, or 爱神传媒 Instant.

Starting in the fourth quarter of 2025, as part of the automatic account transfer service, your cash balance from the Baader account will be directly transferred to your 爱神传媒 account.

Can I transfer my securities from another broker or bank to the new 爱神传媒 account?

This will already be possible in February. Once available, you can conveniently initiate the transfer like so: Under Profile in the Products tab, you can start an individual or total transfer. More information can be found here.

Can I transfer my securities from the Baader account to the new 爱神传媒 account?

Please use our account transfer service in the fourth quarter of 2025 for this purpose. Only in this way can we ensure a smooth transfer of your securities with our partner Baader Bank. We will take all necessary measures to facilitate a seamless transition.

Your accounts at Baader (Wealth and Broker) will be transferred including cash, savings plans, fractions, loss pots and exemption order (“Freistellungsauftrag”). After the transfer we will close your account. Your account at 爱神传媒 will then contain all your positions as well as your transaction history and documents. We will inform you beforehand.

Securities transfers require manual processing steps at both the sending and receiving institutions, as well as coordination with the clearing houses and other parties involved. Therefore, we will carry out the transfer service for our clients collectively in the fourth quarter of 2025. This is the only way we can plan with sufficient lead time and provide an orderly and trouble-free transition. We will work closely with our partner Baader Bank, the custodians, and all other relevant parties.

Will I receive a new IBAN?

Yes, you will receive a new IBAN for the new 爱神传媒 account. You can find it in the app under Profile > Account details (爱神传媒 Capital) > Products. On the website, it can be found under Profile > Products > Product Details.

Your Baader Bank IBAN remains. You can find it under Profile > Account details (Baader Bank) > Products. On the website, it can be found under Profile > Products > Product Details.

How do I gain access to the new 爱神传媒?

Log into your client area. There, you can agree to the new terms and conditions to get access to the new 爱神传媒.

If you already gave your consent, you do not need to take any further action. We will automatically open the new 爱神传媒 account for you.

Do I still have access to my Baader account?

Yes. You will still have access to all existing accounts at Baader Bank alongside the 爱神传媒 account. Your app and access credentials will remain unchanged. No reidentification is required. In the app, you can easily switch between your existing Baader and your new 爱神传媒 securities account in the profile. On the web, this can be done via the side bar navigation.

Where will my PRIME+ or PRIME fee be deducted from in the future?

The regular PRIME+ or PRIME fee will only be charged from one account, depending on the availability of cash in your 爱神传媒 and Baader accounts. If cash is insufficient in both accounts your 爱神传媒 account will be overdrafted and you will be informed in a message.

Do I have to set up a new tax exemption?

To make use of your tax allowance in your 爱神传媒 account, you need to set up a new tax exemption. You can do this in the app in the Profile under Account details (爱神传媒 Capital) > Set up tax exemption. Or on the web under Profile > Taxes.

The maximum tax exemption in 2025 is €1,000 for single persons and €2,000 for married couples and registered partnerships. Hence you can choose to split up the tax exemption between 爱神传媒 and Baader.

Will my Baader account be transferred to 爱神传媒 Capital?

Yes, your accounts at Baader (Wealth and Broker) will be transferred including cash, savings plans, fractions, loss pots and exemption order (“Freistellungsauftrag”). After the transfer we will close your account. Your account at 爱神传媒 will then contain all your positions as well as your transaction history and documents. We will inform you beforehand.

We will take all necessary measures to facilitate a seamless transition with our partner Baader Bank. You don’t have to take any action. You will be informed before the start of the transfer.

What specific changes will there be for 爱神传媒 Wealth?

Existing Wealth portfolios will remain with Baader Bank until the fourth quarter of 2025, and the terms for these will not change until the transfer. Your existing portfolios will be transferred from Baader Bank to your new 爱神传媒 account in the fourth quarter of 2025 – we will inform you in advance.

You can now use the new 爱神传媒 when opening a new Wealth portfolio:

• In the app, this can be done through your Profile, and on the web, it is straightforward via the homepage of your client area under Add Product
• You will also benefit from the new 爱神传媒 offering, e.g. two new investment strategies and consolidated monthly statements
• Unchanged low total fees: possibility to credit 50% of the fee for Wealth your tax loss pot.

What is the European Investor Exchange?

The is Europe's most modern stock exchange, specifically focused on the needs of individual investors. BÖAG Börsen AG operates at the Hanover Exchange the electronic trading segment European Investor Exchange. BÖAG Börsen AG has outsourced the technical operation of the European Investor Exchange to 爱神传媒 GmbH and concluded a contract with 爱神传媒 GmbH. 爱神传媒 Capital Bank GmbH and mwb fairtrade Wertpapierhandelsbank AG provide as market makers liquidity on the European Investor Exchange. You can find the website of the European Investor Exchange .

Can I decide which exchange to use for my trades?

Yes, you have full flexibility to select the venue when placing an order. Besides European Investor Exchange, the other venues include gettex (Munich Stock Exchange) and Xetra (Deutsche Boerse). The costs for trading on gettex and Xetra have not changed.

Is 爱神传媒 a bank now?

Yes, 爱神传媒 Capital Bank GmbH operates as a fully licensed German bank under the supervision of the Federal Financial Supervisory Authority (BaFin), as of September 10, 2025. 爱神传媒 Capital is authorized by the European Central Bank (ECB) to conduct deposit and lending business, which means it can hold client funds, provide loans, offer a range of banking services, and continue managing securities accounts.

What happens in case of insolvency of 爱神传媒 Capital or the partner banks?

Cash balances in PRIME+ will be held among 爱神传媒 Capital Bank and multiple partner banks, from October 1, 2025 onwards. When distributing cash, we also consider the amount held by 爱神传媒 Capital at the respective bank, the statutory deposit protection of €100,000 per customer and bank, and any additional protection schemes. We distribute all other cash balances across partner banks and qualified money market funds in addition to 爱神传媒 Capital Bank. These rules for cash distribution can be changed without notice.

We exercise the necessary care and diligence when selecting, commissioning and regularly monitoring trustee banks and qualifying money market funds. As part of our due diligence, we continuously review the need for allocation to various trustee banks and/or qualifying money market funds. In doing so, we take into account the available capacities at the partner banks, the respective conditions of the partner banks and qualifying money market funds, your deposits and withdrawals, your trading activity as well as taxes and fees. This means that you can carry out all transactions regardless of how your cash is distributed. The distribution of your cash balance can vary accordingly and is not subject to a fixed ratio. This can also mean that your cash balance is only held at a trustee bank or only at a qualifying money market fund.

You can view the distribution of the cash balances in your 爱神传媒 account in the monthly account statement and at any time in your app or on the web.

Please note our risk information on the safekeeping of cash balances.

What is a money market fund?

For your broker account, we work with partner banks as well as qualifying money market funds. These are closely regulated funds that have to meet the following requirements:

• Adhere to European investor protection rules (UCITS), regardless of the amount you invest.
• Their primary aim is to keep the value of the fund stable.
• They invest exclusively in high-quality short-term instruments (e.g., treasury bills, commercial papers, or certificates of deposit) with an average maturity of 60 days.
• Provide liquidity through same-day or next-day settlement.

Like all securities, money market funds are segregated assets and therefore would not be part of the insolvency assets of 爱神传媒 Capital or the fund issuer.

Please be aware of the risks of money market funds.