ETF savings plan comparison 04/2026 | Test of all brokers

Number of brokers: 12

Number of brokers: 12

We have tested the ETF savings plan offers of the most important online brokers for you.

Preliminary information:

We have reviewed the ETF savings plan offers of selected online brokers based on clearly defined criteria. Only providers with an ETF savings plan offer were included in the comparison. Brokers with a strong focus on CFD trading, unclear or missing government regulation, or headquarters outside the EU were excluded. We regularly review this assessment.
This comparison is for information purposes only and does not constitute investment advice or a recommendation. Despite careful research, we do not guarantee the timeliness, accuracy, or completeness of the information provided. Past performance is not a reliable indicator of future results. Investments in securities involve risks, including total loss. Please check whether the products are suitable for your personal situation before making an investment decision.
Important note: We are part of the Scalable Group since 2021 and are a wholly owned subsidiary of Scalable GmbH. This means that we are economically connected, but operate with editorial independence. Conflicts of interest are avoided because brokers — including Scalable — are evaluated according to uniform, objective criteria. Ultimately, it’s up to you to decide how and with whom you want to invest.

Our evaluation process:

For each offer, we have examined the costs of an ETF savings plan, the scope of the ETF savings plan offer and the ETF savings plan terms and conditions. In each category, we compared the offers of the online brokers with regard to different aspects and assessed them with points. In total, a maximum of 52 points could be attained. We then converted the number of points into a star rating, with 50 points being required for the maximum rating of 5.0 stars. The conversion of the number of points into stars is based on the formula: number of points achieved/10.

This results in the following rating scheme:

Points achieved	Stars	Evaluation
48 - 52	5 stars (4.8 - 5.0)	Outstanding
43 - 47	4.5 stars (4.3 - 4.7)	Very good
38 - 42	4 stars (3.8 - 4.2)	Very good
33 - 37	3.5 stars (3.3 - 3.7)	Good
28 - 32	3 stars (2.8 - 3.2)	Good
23 - 27	2.5 stars (2.3 - 2.7)	Satisfactory
18 - 22	2 stars (1.8 - 2.2)	Satisfactory
13 - 17	1.5 stars (1.3 - 1.7)	Adequate
8 - 12	1 star (0.8 - 1.2)	Adequate
3 - 7	0.5 star (0.3 - 0.7)	Poor
0 - 2	0 stars (0 - 0.2)	Poor

In the three categories mentioned above, we rated the broker offers as follows:

Savings plan costs (max. 15 points)

Fee per 100€ savings instalment (standard conditions)	Points
0€	10
0€ - 1€	8.5
1€ - 2€	7
2€ - 3€	5
3€ - 5€	2.5
> 5€	0

Account fee	Points
Free of charge (without conditions)	5
Free of charge (with conditions)	2.5
Account fee > 0€	0

Scope of ETF savings plan offer (max. 20 points)

ETF savings plans	Points
1,500+	10
1,000 - 1,499	8
750 - 999	6
500 - 749	4
250 - 499	2
1 - 249	1
0	0

Free of charge ETF savings plans	Points
1,500+	10
1,000 - 1,499	8.5
750 - 999	7
500 - 749	5.5
250 - 499	4
1 - 249	2.5
0	0

Savings plan features (max. 17 points)

Automated increase of savings rate can be selected	Points
yes	2
no	0

Number of possible savings plan intervals	Points
min. 5	2
4	1.6
3	1.2
2	0.8
1	0.4

Acquisition of fractional shares is possible	Points
yes	3
no	0

Minimum savings amount	Points
1€	2
2€ - 10€	1.6
11€ - 20€	1.2
21€ - 30€	0.8
31€ - 50€	0.4
> 50€	0

Maximum savings amount	Points
min. 10,000€	2
5,000€ - 10,000€	1.6
2,500€ - 5,000€	1.2
1,000€ - 2,500€	0.8
500€ - 1,000€	0.4
< 500€	0

Tax status	Points
Automated tax reporting	6
Tax report is provided (no automated reporting)	3
Neither automated reporting nor dedicated tax report	0

Testsieger

kostenlose Sparpläne schon ab 1 €
2,50 % Zinsen p.a. im separaten Tagesgeldkonto

Zum Testieger**

mit Girokonto

Debitkarte mit 1 % Cashback
Steuereinfach

Jetzt profitieren*

Wenn Aktien dann Bitpanda

Über 10.000 Aktien & ETFs ab 1 €
Steuereinfach & BaFin-reguliert

Jetzt anmelden*

recommended by justETF

Sparplan-Kosten: 0.00 €

Depotgebühr: 0.00 €

Sparpläne (alle kostenlos): 2,142

All savings plans are free of charge
Debit card with cashback and round-up option
Automatic tax management by the broker

Fee for 100 € ETF savings plan

0.00 €

recommended by justETF

Sparplan-Kosten: 0.00 €

Depotgebühr: 0.00 €

Sparpläne (alle kostenlos): 2,881

New: 2.5 % interest p.a. with a Scalable Overnight account
all savings plans free of charge
all ETFs from Amundi, iShares, Vanguard & Xtrackers can be purchased free of charge

Fee for 100 € ETF savings plan

0.00 €

Bitpanda

Anzeige

Sparpläne – ganz ohne Tradinggebühren

Tausende Aktien. Eine App.

tested by justETF

Sparplan-Kosten: 0.00 €

Depotgebühr: 0.00 €

Sparpläne (alle kostenlos): 2,448

Huge selection of savings plans with no order fees
No order fees even for normal trades
FX fees apply when trading in foreign currencies

Fee for 100 € ETF savings plan

0.00 €

tested by justETF

Sparplan-Kosten: 0.00 €

Depotgebühr: 0.00 €

Sparpläne (alle kostenlos): 2,380

Free savings plans: no opening or management fees
Extensive product range: broad selection of ETFs, ETCs and stocks
No deposit protection for uninvested funds

Fee for 100 € ETF savings plan

0.00 €

tested by justETF

Sparplan-Kosten: 0.00 €

Depotgebühr: 0.00 €

Sparpläne (alle kostenlos): 2,138

0 € fee for one-off orders from 500 € order volume when trading via gettex

Fee for 100 € ETF savings plan

0.00 €

tested by justETF

Sparplan-Kosten: 0.00 €

Depotgebühr: 0.00 €

Sparpläne (alle kostenlos): 1,592

Wide range of banking services
4 different account types available

Fee for 100 € ETF savings plan

0.00 €

Only directly at the broker

recommended by justETF

Sparplan-Kosten: 1.50 €

Depotgebühr: 0.00 €

Sparpläne: 1,595

Kostenlose Sparpläne: 541

Investments in financial instruments are associated with risks and may result, besides earnings, in the loss of the capital invested.

Automatic tax management by the broker
No stock savings plans available

Fee for 100 € ETF savings plan

1.50 €

tested by justETF

Sparplan-Kosten: 0.75 € + 0.175 %

Depotgebühr: 0.05 % p.a.

Sparpläne: 272

Kostenlose Sparpläne: 195

Automatic tax management by the broker
Extensive range of banking services

Fee for 100 € ETF savings plan

0.93 €

tested by justETF

Sparplan-Kosten: 1,25 € or 0,175 %

Depotgebühr: min. 15 € p.a.

Sparpläne: 340

Kostenlose Sparpläne: 140

Automatic tax management by the broker
Tier models for order and savings plan fees (no uniform fee)

Fee for 100 € ETF savings plan

1.25 €

tested by justETF

Sparplan-Kosten: 1.99 %

Depotgebühr: 0.216 % p.a., min. 28,66 €

Sparpläne: 18

Automatic tax management by the broker
Broad range of banking services
Very limited range of savings plans

Fee for 100 € ETF savings plan

1.99 €

Only directly at the broker

tested by justETF

Sparplan-Kosten: 1.9 %

Depotgebühr: 0.12 % p.a., min. 5.93 €

Sparpläne: 20

Automatic tax management by the broker
limited range of savings plans

Fee for 100 € ETF savings plan

1.90 €

Only directly at the broker

tested by justETF

Sparplan-Kosten: 1.9 %

Depotgebühr: 0.3 % p.a., min. 6 €

Sparpläne: 20

Automatic tax management by the broker
rather high fees for regular trading
limited range of savings plans

Fee for 100 € ETF savings plan

1.90 €

Only directly at the broker

— The data was last updated on 30 March 2026
— The sorting by test result is done in the following order: 1. test result (points) 2. fee per savings rate 3. number of ETF savings plans.
— In addition to the fees charged by online brokers, additional costs may apply. The stated fees are thus exclusive of standard market spreads, commissions, product costs and third-party fees.
— Please note: No guarantee can be given for the completeness, correctness and accuracy of the content listed. The information on the online brokers' homepages is decisive. Investments in securities involve risks.

* You want to open a securities account? If you use one of the affiliate links marked with an asterisk or the broker logos as a starting point, we will receive a commission. This is how we finance much of our free information offering. If you like our work, we appreciate your support!
** Important note: We are part of the Scalable Group since 2021 and are a wholly owned subsidiary of Scalable GmbH. This means that we are economically connected, but operate with editorial independence. Conflicts of interest are avoided because brokers — including Scalable — are evaluated according to uniform, objective criteria. You can view these in our . Ultimately, it’s up to you to decide how and with whom you want to invest.