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Consorsbank portfolio tracker: benchmark your Consorsbank portfolio against the S&P 500

We read a Consorsbank export as a list of bookings and rebuild what each one did to your positions and to your cash. The account file is matched by the same German bank profile as the other direct banks, on the booking date, the transaction type and the amount. What no file can tell us is what a holding cost when it arrived by transfer from another provider, because a transfer carries the quantity and leaves the purchase price behind.

What the file contains

Expect a booking date, a type, a description, an amount, and for securities rows an ISIN and a quantity. Purchases and sales appear with the money that moved, dividends appear as credits with the tax on them as separate debits, and charges appear as bookings of their own instead of being folded into a price. The ISIN is the identifier that survives a renaming or a fund merger, so it is preferred over the description whenever both are there.

The consequences for the arithmetic are direct. Average cost is built from the purchases, with fees kept beside it rather than hidden inside it. Income is built from the credits and reduced by the withholding, so the figure shown is what genuinely reached you. Deposits and withdrawals supply the dated cash flows the index comparison needs; without them a comparison would have to assume you invested everything at once, which almost nobody does.

The export comes as CSV or XLSX, and we read the file as it is: no renaming, no reformatting, no cleaning up in a spreadsheet first. The columns we look for in this export are Buchungstag, Umsatzart, Buchungstext, Betrag, ISIN and Stück.

How the import works for Consorsbank

Consorsbank is recognised through a column profile: we know the header names its export uses. That profile follows the documented format rather than a large set of real files, so if a header has been renamed you point at the column once and we save the mapping.

We do not print a click path here, because menu names move between releases and a wrong one costs you more time than no one at all. Look for the transaction history or the account statement of your Consorsbank account and take the machine-readable version of it over the PDF.

The thing to plan for is the securities that were not bought here. A holding moved in from another provider appears as an incoming transfer with a quantity and no price, and its cost basis has to come from the paperwork of the bank you moved away from. Upload that history too if you still have it. Otherwise the position is real while the gain on it is not, and it is better to know which holding is affected than to trust a portfolio total that quietly contains one.

What to watch for with Consorsbank files

Incoming transfers have no price. A depot transfer brings the quantity across and leaves the purchase price behind. Until the original purchase is supplied from somewhere, the gain on that holding cannot be honest.

Partial executions. A single order can be booked across more than one row. Each row is a purchase in its own right, and together they form the average price of the position.

The sign carries the direction. A negative amount means money left the account, so a purchase and a fee both appear as negatives. Reading an amount without its sign turns spending into income.

Tax deducted at source. Where the bank withholds tax on investment income, the credit and the deduction sit near one another in the file. Both belong in the upload, since the net figure alone hides how much was actually taken.

What you see after the upload

Your file becomes a verdict first: your time-weighted return next to the S&P 500 and the Nasdaq 100 over the same period, with your own deposits replayed into the index so both sides carry the same timing. Under it sit your positions with their cost basis, the dividends you received and the income your holdings are expected to pay, your allocation across positions and currencies, and a year report you can keep for your records.

The first screen worth opening after a Consorsbank upload is the holdings list, because a position with a missing purchase shows itself there before it distorts anything else.

You can look at all of that on the demo portfolio before you upload anything of your own. The first two weeks are free and no card is asked for.

Frequently asked questions

A holding came in from another bank. What now? Its quantity is in the file and its purchase price is not, because a transfer moves securities and not their history. Upload the export from the bank you left, and the two together give the position a cost basis again. If that history no longer exists, treat the gain on that holding as unknown rather than as whatever the calculation would otherwise produce.

Is a savings plan handled differently from a manual order? No. Both are purchases with a date, a quantity and a price, and the calculation makes no distinction between them. What differs is the volume: a plan produces a row every month, sometimes split across several bookings, and the average price of the holding only becomes visible once all of them are present.

Why match on the ISIN rather than the name? Because names change and identifiers do not. A fund can be renamed, merged or described differently in two exports from the same bank, while its ISIN stays what it was. Where the file supplies one, that is what holdings are matched on, which stops a renamed fund from turning into two separate positions.

Can I upload the same file twice by mistake? You can, and it will not double your history. Rows that are already stored are recognised, and a complete export covering the same period again replaces what that period held rather than being added on top of it. That is exactly why re-exporting with a wider range is the normal way to repair a history which started too late.