The open architecture platform
for retail deposits

19.04.2016 – Press Accouncement:
Deutsche Bank will build up a deposit marketplace with Deposit Solutions

Our market

Product Banks

Product Banks need access to cost efficient funding and to diversify their funding channels.

Client Banks

Client Banks need to become more agile, offer their clients an attractive product selection and manage their liquidity in a flexible way.


Savers today expect transparency, security and best in class offers. They deserve a choice.

Despite the decline in interest rates the amount invested in call money increased significantl.
Source: Hamburger Abendblatt 08.04.2015, FMH-Finanzberatung und Udo Keßler

European savers are losing billions of euros per year as their deposit interest rates have often dropped below inflation. Many European banks could benefit from cross border retail funding but lack the scale or resources to operate their own retail deposit infrastructure. Other European banks hold an excess of retail deposits on their balance sheet which they currently need to park with the ECB at negative rates.

Our innovation

Since 2011 we have developed a proprietary technology revolutionizing the value chain for savers and banks.
Deposit Solutions allows European banks to gather retail deposits from across Europe onto their home balance sheet without requiring their own retail infrastructure. Banks can offer their products on our platform, other banks can then market those offers directly to their own clients who can access them without having to open a new account at another bank. This enables savers to choose multiple products from several banks using one bank account.

Our solution …

For Client Banks, Deposit Solutions offers an
efficient way to steer excess liquidity off your balance sheet while deepening your client relationship.

read more

For Product Banks, Deposit Solutions offers the one-stop, full service solution to gather retail deposits in Europe.

 read more

For Savers, Deposit Solutions offers access to best-in-class interest rates across the entire EU from one master account (either account at your bank or your ZINSPILOT account).

read more

For Financial Advisors, Deposit Solutions offers diversified deposit portfolios over multiple
European banks.

 read more

Our company

Founded in 2011 Deposit Solutions is a leading European Fintech company headquartered in Hamburg, Germany. We have a long track record of successfully working with banks across Europe and have already mediated deposits in excess of 1 billion euros. The company has more than 50 highly qualified staff members and is led by a team of very experienced finance and technology professionals. Deposit Solutions is backed by renowned European and US investors.

ZINSPILOT – our single-account solution for overnight and term deposits for Savers. video_button
Are you looking for a new challenge?

“With its unique approach, Deposit Solutions is revolutionizing  the value chain in the retail deposit business“

Peter Thiel, PayPal co-founder and early investor in Facebook, LinkedIn, Tesla and Deposit Solutions

Our team

Deposit Solutions employs a team of more than 50 highly qualified and motivated staff. The executive team combines first in class finance and technology experience:

Tim Sievers, Chief Executive Officer & Founder

Dr. Tim Sievers

Chief Executive Officer & Founder

  • More than 13 years of experience in finance and in building technology companies
  • Before founding Deposit Solutions in 2011, Tim spent 5 years working as an Investment Manager at the equity firm Arcadia Beteiligungen
  • Before that he gained experience in the management of technology companies as Managing Director at Longhours GmbH and Mondus GmbH
  • In 2010 he was awarded the innovation prize “Pro Ideenfonds” by the EU and the Hanseatic City of Hamburg
  • Tim holds a MA. PPE (Oxford University), a M.Sc. Econ. (London School of Economics) and a Dr. rer. pol. (University of Hamburg)

Max von Bismarck, Chief Business Officer & Managing Director

Max von Bismarck

Chief Business Officer & Managing Director

  • More than 15 years of experience in global financial markets and in building asset management and technology companies
  • Previously Partner and CEO Europe of SkyBridge Capital, a global alternative investment firm
  • Former Director and Head of Investors at the World Economic Forum in Geneva and New York
  • Former Advisor Europe to the Berggruen Institute and former Senior Advisor at Asia Pacific Research Center at Stanford University
  • Max holds a German Legal State Exam and a MA Leadership (World Economic Forum in collaboration with Wharton School of Business, Columbia University, INSEAD and London Business School)

Andreas Wiethölter, Chief Marketing Officer

Andreas Wiethölter

Chief Marketing Officer

  • More than 13 years of experience in banking, building scalable internet platforms and online marketing of financial products
  • Previously Strategic Business Development Manager at OnVista Bank
  • Former CEO of the German online finance portal OnVista
  • Andreas started his career in asset management at Deutsche Bank
  • He holds a degree in Business Administration and Finance (University of Göttingen)

Marco Holm, Chief Technology Officer

Marco Holm

Chief Technology Officer

  • More than 14 years of experience in IT and software development
  • Former senior software developer at eSailors IT Solutions and Tipp 24 AG
  • Marco holds a Dipl. Ing. (FH) Electrical Engineering (University of Applied Sciences Hamburg)

Michael M. Mueller, Chief Financial Officer

Michael Maximilian Mueller

Chief Financial Officer

  • More than 10 years of experience in managing global growth and change management situations in private equity and non-private equity backed companies
  • Previously CFO at TVSMILES, a mobile advertising publisher
  • Former CEO at pvXchange, the world’s largest online B2B-marketplace for solar modules and inverters
  • Michael began his career at the the European Business Development division at Sony Germany
  • He holds an MBA (IESE Business School in Barcelona)

Tom Sleigh, Country Manager UK

Tom Sleigh

Country Manager UK

  • More than 10 years of experience in banking, financial regulation and management consulting
  • Previously spent 5 years at Lloyds Group in various positions in retail and regulatory management
  • Former Chief of Staff to the COO of the BBC, the world’s largest public service broadcaster
  • Tom began his career as a management consultant at Booz Allen Hamilton
  • He holds a MA in Social and Political Science (Cambridge University)

Our investors

We are proud to be backed by a team of renowned European and US investors who believe in transforming the retail savings market for the better:

Press publications


Deposit Solutions GmbH

Zirkusweg 1
D-20359 Hamburg (Germany)

Phone: +49 (40) / 228 665 00
Fax: +49 (40) / 432 762 0102