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* To view and modify this theme, visit http://jqueryui.com/themeroller/?scope=&folderName=base&cornerRadiusShadow=8px&offsetLeftShadow=0px&offsetTopShadow=0px&thicknessShadow=5px&opacityShadow=30&bgImgOpacityShadow=0&bgTextureShadow=flat&bgColorShadow=666666&opacityOverlay=30&bgImgOpacityOverlay=0&bgTextureOverlay=flat&bgColorOverlay=aaaaaa&iconColorError=cc0000&fcError=5f3f3f&borderColorError=f1a899&bgTextureError=flat&bgColorError=fddfdf&iconColorHighlight=777620&fcHighlight=777620&borderColorHighlight=dad55e&bgTextureHighlight=flat&bgColorHighlight=fffa90&iconColorActive=ffffff&fcActive=ffffff&borderColorActive=003eff&bgTextureActive=flat&bgColorActive=007fff&iconColorHover=555555&fcHover=2b2b2b&borderColorHover=cccccc&bgTextureHover=flat&bgColorHover=ededed&iconColorDefault=777777&fcDefault=454545&borderColorDefault=c5c5c5&bgTextureDefault=flat&bgColorDefault=f6f6f6&iconColorContent=444444&fcContent=333333&borderColorContent=dddddd&bgTextureContent=flat&bgColorContent=ffffff&iconColorHeader=444444&fcHeader=333333&borderColorHeader=dddddd&bgTextureHeader=flat&bgColorHeader=e9e9e9&cornerRadius=3px&fwDefault=normal&fsDefault=1em&ffDefault=Arial%2CHelvetica%2Csans-serif
* Copyright jQuery Foundation and other contributors; Licensed MIT */
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Bernstein Bank Erfahrungen 2021 » Deutscher Forex-Broker im Test
Bernstein Bank Erfahrungen 2021 – Deutscher Forex Broker im Test
In der Münchner Maximilianstraße residiert die Bernstein Bank GmbH, ihres Zeichens Forex – und CFD-Broker mit dem Status einer deutschen Privatbank. Das im April 2016 gegründete Unternehmen ist zwar unter Tradern und Fachleuten noch relativ unbekannt, sein Angebot kann jedoch überzeugen.
Das FinTech setzt beim Handel mit Devisen und Derivaten auf die bekannte Handelsplattform MetaTrader 4. Alleinstellungsmerkmal des jungen Unternehmens ist ein besonderer Fokus auf Sicherheit – und auf technische Innovation. Zu seinen Besonderheiten zählt u.a. ein Handelsserver im Equinix LD4 Datacenter der Londoner Börse, was besonders schnelle Ausführungszeiten und geringe Latenzzeiten garantiert.
Die intuitiv bedienbare, leistungsstarke Handelsplattform der Bernstein Bank erlaubt sowohl manuellen als auch automatisierten Handel. Worin genau die Vorteile und Nachteile des Bernstein Bank Angebotes liegen, damit beschäftigt sich unser Erfahrungsbericht im Detail.
Vor- und Nachteile für die Bernstein Bank Bewertung Sitz und Regulierung in Deutschland deutscher Support und deutschsprachige Handelsplattform kostenlose Kontoeröffnung und -führung (min. 1 Trade monatlich vorausgesetzt) kostenfreie Informations- und Schulungsangebote günstige Handelskonditionen mit Spreads ab 1 Pip/1 Punkt / 1 ct
Mindesteinzahlung von 2.000 EUR/USD
Jetzt zum Forex & CFD Broker des Monats XTB 1. Konditionen im Handel Spread EUR/USD: ab 1,0 Pips Spread GBP/USD: ab 1,6 Pips keine Kommissionen auf Forex, Index-CFDs, Rohstoff CFDs und Spots Kommissionen Aktien CFDs: EUR/USD 10/Round-Turn (abhängig von der Kontowährung) Rolloverkosten bei Overnight-Handel bei allen Produkten Grundsätzlich erfolgt die Kontoeröffnung und -führung bei der Bernstein Bank kostenlos. Zu beachten ist allerdings, dass das FinTech eine Kontoführungsgebühr von monatlich 9,95 EUR/USD in Rechnung stellt, wenn das Handelskonto nicht genutzt wird. Wird mindestens 1 Trade pro Monat verzeichnet, entfällt die Kontoführungsgebühr automatisch. Darüber hinaus fallen bei der Bernstein Bank für Services in Verbindung mit der Kontoführung keine Kosten an. Einzige Ausnahme bilden ggf. die Möglichkeiten der Ein- und Auszahlung.
Um Hebelprodukte nutzen zu können, stellt die Münchner Privatbank ihren Kunden ein Marginkonto kostenfrei zur Verfügung. Der maximale Hebel liegt bei 1:200, die kleinste Handelsgröße beträgt 0,01 Lot.
Die Webseite des Brokers Bernstein Bank
Note: 1,5
2. Das Handelsangebot der Bernstein Bank Als Forex- und CFD-Broker mit Fokus auf Capital Market Brokerage hat sich die Bernstein Bank auf den Handel mit Devisen und Derivaten in Form von Währungspaaren und Differenzkontrakten auf Basiswerte wie Aktien, Indizes und Rohstoffe konzentriert. Handelbar sind zum einen 36 Währungspaare mit Majors wie EUR/USD und Minors bzw. Exotics wie USD/SEK und AUD/CHF. Darüber hinaus stehen mehr als 70 Basiswerte für den CFD-Handel zur Verfügung, darunter
Aktien (z.B. IBM, Bayer AG, Tesla, Google, Apple) Indizes (z.B. DAX, US Tech 100, IBEX 35) Rohstoffe (z.B. Mai, Platin, Zucker) und Metalle (Gold, Silber). Insgesamt erlaubt die MetaTrader 4 Plattform einen Handel mit Devisen und Derivaten in mehr als 100 Märkten. Diese Auswahl versetzt Trader in die Lage, eigene Handelsstrategien ohne größere Einschränkungen zu verfolgen und hohe Gewinne zu realisieren. Zur kontinuierlichen Überwachung der Basiswerte und des Marktumfeldes stellt die Münchner Privatbank u.a. Realtimekurse und -charts zur Verfügung.
Note: 2,0
Jetzt zum Forex & CFD Broker des Monats XTB 3. Die Handelsplattformen der Bernstein Bank Die Bernstein Bank setzt in Sachen Handelsplattform in jeder Form auf eine einzige Lösung, den MetaTrader 4. Nutzen lässt sich die wohl bekannteste und beliebteste Handelssoftware für den Forex- und CFD-Handel durch die MT4-Software, aber auch durch einen Webzugang und mobile Zugänge. Die Vollversion der Software lässt sich kostenlos im Rahmen der Registrierung herunterladen und bietet einen komfortablen, intuitiv bedienbaren Zugang zur Plattform samt aller Tools, Indikatoren und Zusatzfeatures. Ergänzung findet sie in einem Booster, dem MT4 Turbo Package, das ausgewählten Traders kostenlos zur Verfügung gestellt wird.
Mit dem WebTrader ist es möglich, auch ohne Software-Vollversion Zugriff auf die Meta Trader 4 Handelsplattform zu nehmen. Notwendig ist dafür lediglich ein Browser und ein stabiler Internetzugang. Der Vorteil dieses Zugangs liegt in seiner Flexibilität: Mit Web-Zugang kann jedes internetfähige Gerät an jedem Ort der Welt zu jeder Zeit Zugang zum Trading verschaffen. Ähnliche Flexibilität bieten auch die MT4 Apps für Android und iOS: Sie garantieren vollen Zugang zu allen Tools und Features der Handelsplattform von jedem internetfähigen Smartphone und Tablet aus.
Festzuhalten ist, dass der Webzugang und die mobilen Plattform-Zugänge grundsätzlich alle Transaktionen erlauben, die auch in der Software-Vollversion möglich sind. Sämtliche Plattform-Zugänge erlauben sowohl einen manuellen als auch einen automatisierten Handel mit Devisenpaaren und CFD-Produkten. Der Vollständigkeit halber sei erwähnt, dass es Kooperationspartnern wie Banken und Brokern auch möglich ist, eigene MetaTrader 4 Lösungen in Auftrag zu geben oder ihr System an die Server Infrastruktur der Bernstein Bank anbinden zu lassen.
Die Bernstein Bank bietet zum Handel den MetaTrader 4 zur Verfügung
Note: 2,0
4. Analysefunktionen der Handelsplattform Die Handelsplattform MetaTrader 4 versteht sich als eine der innovativsten Forex- und CFD-Handelsforen mit umfangreicher Funktionspalette. Vor allem umfangreiche Analysefunktionen zählen dazu, etwa ein Charting Tool, das Chartanalysen in verschiedensten Darstellungsvarianten mit allen gängigen Zeichenwerkzeugen und Indikatoren nach wenigen Klicks liefert. Die Analysefunktionen stehen grundsätzlich in allen Versionen der Handelssoftware zur Verfügung, in der Downloadvariante ebenso wie in der webbasierten Variante.
Ideal ergänzt werden die plattformeigenen Analysefunktionen durch Premium Tools und die Informations- und Schulungsangebote des Brokers. Die Premium Tools sind Teil des MT4 Turbo Packages, das bei einer Mindestkapitalisierung von 1.000 EUR kostenlos zur Verfügung steht. Zur intensiven Analyse eignen sich Package-Bestandteile wie die Correlation Matrix, der Sentiment Trader, die Session Map und der Tick Chart Trader. Ergänzung finden diese Werkzeuge beispielsweise in den selbst produzierten Podcasts der Bernstein Bank mit technischen Analysen und Charttechniken, aber auch in den selbst zusammengestellten und kommentierten News und Ratgebern.
Note: 2,0
Jetzt zum Forex & CFD Broker des Monats XTB 5. Regulierung, Einlagensicherung und Risikobegrenzung Der Status der Bernstein Bank als deutsche Privatbank – in Deutschland gegründet, registriert und mit einem deutschen Unternehmenssitz in München – führt zu einer besonders interessanten Konstellation in Sachen Anlegersicherheit. Der junge Forex-/CFD-Broker unterliegt der Aufsicht der BaFin und Deutschen Bundesbank, beide sind im europäischen und weltweiten Vergleich als relativ strenge Aufsichtsbehörden bekannt. Was ausländische Geldinstitute in der Regel eher abschreckt und sie in anderen EU-Ländern registrieren lässt, erfreut Anleger dafür umso mehr. Schließlich profitieren sie von einem hohen Maß an Regulierung in Form von Sicherheit.
Erfreulicherweise wird diese Sicherheit ergänzt durch verschiedene Mitgliedschaften der Bernstein Bank und kooperierender Partner in Entschädigungs- und Einlagensicherungseinrichtungen wie dem Bundesverband deutscher Banken (BdB) und der Entschädigungseinrichtung deutscher Banken (EdB). Unterm Strich ist das Vermögens jedes Traders damit in Höhe von mindestens 40 Mio. Euro geschützt.
Forex- und CFD-Geschäfte sind naturgemäß risikobehaftet – unabhängig davon, wie gut ein Broker reguliert ist und wie hoch die Einlagensicherung ausfällt. Verlustrisiken sinnvoll begrenzen kann am ehesten der Verzicht des Brokers auf Nachschusspflicht. Gelegen kommt hier eine Entscheidung der BaFin aus dem Mai 2017, die Kontrakte mit Nachschusspflicht für Privatkunden grundsätzlich verbietet. Der Vorstoß der BaFin begrenzt das Verlustrisiko bei Differenzkontrakten deutlich, auch bei der Bernstein Bank – und ohne dabei die Gewinnmöglichkeiten zu beschneiden.
Die Bernstein Bank wird von der deutschen BaFin reguliert
Note: 1,0
6. Automatisierter Handel Auf die Möglichkeiten des automatisierten Handels weist die Bernstein Bank überwiegend in ihren FAQ hin. Eine zusätzliche Software-Lösung ist dafür nicht notwendig – die MetaTrader 4 Plattform unterstützt den automatisierten Handel mit Hilfe von Expert Advisers (EA) mit einer integrierten Entwicklungs- und Testumgebung. Mit der Programmiersprache MQL4 ist es im Editor der Handelssoftware möglich, EA zu programmieren. Grundlegende Programmierkenntnisse sind dabei von Vorteil. Eine Backtesting-Funktion überprüft die zugrunde liegende Handelsstrategie. Daneben haben Nutzer auch die Möglichkeit, sich in der MetaTrader Community mit ihren zahlreichen Foren über bereits existierende Programme und Handelsstrategien zu informieren, darüber mit Gleichgesinnten zu diskutieren und spannende Programme für den MetaTrader 4 herunterzuladen – das allerdings auf eigene Gefahr.
Note: 2,0
Jetzt zum Forex & CFD Broker des Monats XTB 7. Kontoeröffnung und Mindesteinzahlung Die Kontoeröffnung bei der Bernstein Bank erfolgt einfach und schnell über den entsprechenden Link (Live Konto) auf der Homepage des Unternehmens. Der erste Schritt besteht darin, ein Online-Registrierungsformular auszufüllen, das einige wenige persönliche Daten wie Name und Kontaktdaten abfragt. Im Rahmen der Registrierung sind sämtliche Unterlagen und Unternehmensinformationen zu finden, darunter Informationen zu Legitimierungsvarianten, Geschäftsbedingungen, Handelskonditionen und das Preis- und Leistungsverzeichnis. Auch die MetaTrader 4 Software kann an dieser Stelle kostenlos heruntergeladen werden.
Wer nicht sofort Geld einzahlen sondern die Handelsplattform erst einmal kennenlernen möchte, hat übrigens die Möglichkeit, ein kostenloses Demo Konto einzurichten. Nach der Registrierung erhalten Nutzer sowohl des Live als auch des Demo Kontos ihre Login-Daten per E-Mail und können sofort loslegen. Wann die Kapitalisierung des Live Kontos erfolgt, überlässt die Münchner Privatbank ihren Kunden. Zu beachten ist lediglich, dass die Mindesteinzahlung 2.000 EUR bzw. 2.000 USD (je nach Kontowährung) beträgt.
Note: 2,5
8. Zusatzleistungen und Neukundenangebote Neben einer leistungsfähigen, professionellen Handelsplattform und modernster IT-Infrastruktur bietet die Bernstein Bank zahlreiche Zusatzleistungen, die jedoch zum Teil mit Bedingungen verknüpft sind oder sich an eine spezielle Klientel richten. So ist z.B. ein Booster für die MT4-Handelsplattform erhältlich, das MT4 Turbo Package mit Premium Tools wie Market und Alarm Manager, Tick Chart Trader und Correlation Trader. Dieses Extra verspricht zusätzliche Trading- und Research-Features, die bislang nur professionellen Tradern vorbehalten waren. Erhältlich ist das Package ab einer Mindestkapitalisierung von 1.000 EUR.
Eine ebenfalls interessante Zusatzleistung ist der VPS (Virtual-Private-Server), der es erlaubt, Expert Advisers (automatisierte Programme) praktisch rund um die Uhr laufen zu lassen und auf diese Weise höhere Gewinne zu realisieren. Kostenlos wird ein VPS „bei einem bestimmten Mindestvolumen“ zur Verfügung gestellt. Im Übrigen gibt es auch die Möglichkeit, die Dienste einer (ungenannten) deutschen Vermögensverwaltung in Anspruch zu nehmen. Aus dem Handelskonto wird in diesem Fall ein Managed Account, für den ein Vermögensverwalter eine beschränkte Handlungsvollmacht erhält.
Auch ein Demokonto gehört zum Leistungsumfang des Brokers
Natürlich zählen auch umfangreiche Informations- und Schulungsangebote zu den Zusatzleistungen der Bernstein Bank. Klassische FAQ zählen ebenso dazu wie News, selbst produzierte Podcasts, Webinare, Ratgeber im pdf-Format und Tutorial-Videos in Deutsch und Englisch. Diese Zusatzleistungen richten sich an Einsteiger ebenso wie fortgeschrittene Trader und sind frei zugänglich – auch für Nicht-Kunden. Eine eigene Community ist bei der Bernstein Bank übrigens nicht zu finden. Das Geldinstitut verweist stattdessen auf die große User-Community der MetaTrader 4 Plattform.
Daneben sind es vor allem Kooperationspartner, die in Genuss von attraktiven Zusatzleistungen gelangen. Für kooperierende Vermögensverwalter stehen z.B. professionelle MAM-Lösungen zur Verfügung, also ein Multi-Account-Manager, der es erlaubt, mehrere Handelskonten zeitgleich zu handeln. Für Banken und Broker präsentiert sich die Bernstein Bank als exklusiver Partner für Outsourcing, etwa in den Bereichen Risikomanagement und IT.
In Sachen Neukundenangebote geht die Privatbank aus München eigene Wege. Anders als bei den meisten Brokern gibt es weder Begrüßungsboni noch Einzahlungsboni – das Geldinstitut setzt allein auf die dauerhafte Attraktivität seines Angebotes. Auch ein Freundschaftswerbungsprogramm existiert bislang nicht. Künftige Bonusprogramme sind jedoch nicht auszuschließen – Extrazeilen für Promotion Codes bei der Registrierung und beim Anfrage-Online-Formular geben einen Hinweis darauf.
Note: 2,0
Jetzt zum Forex & CFD Broker des Monats XTB 9. Kundenservice und Internetauftritt Guter und zielführender Kundenservice wird groß geschrieben bei der Bernstein Bank. Grundsätzlich kann das Geldinstitut per E-Mail, Telefon und Fax kontaktiert werden. Zusätzlich bestehen Kontaktmöglichkeiten zum Help Desk und zum Trading Desk per E-Mail und Telefon. Die entsprechenden Ansprechpartner geben Auskunft in Deutsch und Englisch. Darüber hinaus ist es auch möglich, eine Anfrage, z.B. zum CFD und Forex Konto oder Managed Accounts, über ein Onlineformular zu stellen. Die Rückmeldung erfolgt per E-Mail oder telefonisch und auf Wunsch in Deutsch, Englisch, Polnisch, Tschechisch oder Italienisch.
Der Internetauftritt hinterlässt auf den ersten Blick einen aufgeräumten, transparenten Eindruck, eine erste Orientierung ist schnell möglich. Auf den zweiten Blick ergeben sich jedoch Fragen zum Angebot, die nicht oder nur unbefriedigend beantwortet werden. Zu erklären ist das sicherlich zum Teil damit, dass Informationen zur Legitimierung sowie Handelskonditionen, Geschäftsbedingungen und Ausführungsgrundsätze erst im Laufe der Kontoregistrierung einsehbar sind. Zu diesen wesentlichen Informationen führen keine direkten Links von der Webseite. Zudem werden einige Behauptungen an prominenter Stelle auf der Homepage aufgestellt (z.B. keine Nachschusspflicht), aber an keiner Stelle erklärt. Im Falle der Nachschusspflicht zeigt ein Blick in die AGB, dass diese durchaus in den Handelsgrundlagen verankert ist.
Einige Vorteile der Bernstein Bank im Überblick
Note: 3,0
10. Fazit und abschließende Bernstein Bank Bewertung Das Angebot der Bernstein Bank bewegt sich in etwa im Mittelfeld vergleichbarer Offerten. Der Forex- und CFD-Broker mit Sitz in München überzeugt mit ausgereiften technischen Features, ultraschnellen Orderexecutions und konkurrenzfähigen Handelskonditionen. Dabei verzichtet das Unternehmen weitestgehend auf Gebühren und Kommissionen – es finanziert sich hauptsächlich über Markups auf Spreads, die dennoch auf attraktivem Niveau bleiben. Für die Bernstein Bank und ihre MT4-Plattform sprechen auch ein deutscher Support rund um die Uhr an 5 Tagen pro Woche, ein kostenloses und voll funktionsfähiges Demo Konto sowie eine attraktive Auswahl an Basiswerten und Devisenpaaren.
Als weiteres schlagendes Verkaufsargument kann das deutsche Regulierungs- und Sicherungsumfeld dienen. Zahlreiche Zusatzleistungen wie z.B. umfangreiche Informations- und Schulungsangebote und kostenlose Premium Tools im MT4 Turbo Package genügen auch hohen Ansprüchen erfahrener Trader.
Unsere Bernstein Bank Erfahrungen als Testnote: 2,0
Weiter zur Bernstein Bank: www.bernstein-bank.com/de
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