ETF savings plan comparison

All fees, promotional offers and providers in the test.

thomas image
 We have evaluated 16 brokers according to objective criteria – here you will find the results.
Dr Thomas Letsche, justETF broker expert

Number of brokers: 16

Scalable Capital

Costs 15/15

Savings plan offer 20/20

Savings plan terms 14.4/18

Total 49.4/53

tested by justETF
Savings plan fee: 0.00 €
Account fee: 0.00 €
Savings plans: 2,496
Free savings plans: 2,496
  • FREE Broker: 0.99 € for one-off orders, PRIME ETFs for 0.00 €
  • PRIME+ Broker: trading flat rate incl. interest offering for 4.99 €/month
Fee for 100 € ETF savings plan

0.00 €

finanzen.net zero

Costs 15/15

Savings plan offer 17/20

Savings plan terms 16.8/18

Total 48.8/53

tested by justETF
Savings plan fee: 0.00 €
Account fee: 0.00 €
Savings plans: 1,603
Free savings plans: 1,603
  • Both Cryptocurrencies and crypto ETNs can be purchased one-off or savings plan
  • For stocks, fractional share trading is even possible outside of savings plans
Fee for 100 € ETF savings plan

0.00 €

Trade Republic

Costs 15/15

Savings plan offer 20/20

Savings plan terms 11.2/18

Total 46.2/53

tested by justETF
Savings plan fee: 0.00 €
Account fee: 0.00 €
Savings plans: 2,359
Free savings plans: 2,359
  • Debit card with cashback and round-up option
  • Fractional share trading even possible outside of savings plans
Fee for 100 € ETF savings plan

0.00 €

flatex

Costs 15/15

Savings plan offer 17/20

Savings plan terms 11.6/18

Total 43.6/53

tested by justETF
Savings plan fee: 0.00 €
Account fee: 0.00 €
Savings plans: 1,683
Free savings plans: 1,683
all fees plus standard market spreads, allowances and product costs
  • Trade for 1.90 € per order (plus a 2 € third-party fee, standard market spreads and allowances) for 1 year after opening a custody account
  • Premium ETFs for 0 € per order (plus standard market spreads, allowances, product costs and third-party costs)
  • No stock savings plans available
Investments in securities are associated with risks
Fee for 100 € ETF savings plan

0.00 €

ING

Costs 15/15

Savings plan offer 14/20

Savings plan terms 14.6/18

Total 43.6/53

tested by justETF
Savings plan fee: 0.00 €
Account fee: 0.00 €
Savings plans: 1,084
Free savings plans: 1,084
  • Selected promotional ETFs can be purchased for 0.00 € or 3.90 €
Fee for 100 € ETF savings plan

0.00 €

Consorsbank

Costs 12/15

Savings plan offer 12.5/20

Savings plan terms 16.6/18

Total 41.1/53

tested by justETF
Savings plan fee: 1.50 %
Account fee: 0.00 €
Savings plans: 1,993
Free savings plans: 493
  • StarPartner ETFs can be purchased at a reduced fee of 3.95 € and sustainable ETFs even without order fee.
  • Numerous ETFs from various providers are available as free of charge savings plans
  • New customer incentive: 0.00 € per savings instalment and 0.95 € per order in the first 12 months
Fee for 100 € ETF savings plan

1.50 €

comdirect bank

Costs 9.5/15

Savings plan offer 14/20

Savings plan terms 13.8/18

Total 37.3/53

tested by justETF
Savings plan fee: 1.50 %
Account fee: 0.00 €
Savings plans: 2,085
Free savings plans: 264
  • Top price ETFs can be purchased for 3.90 € (one time) or free of charge (via a savings plan)
  • New customer incentive: 0.00 € per savings instalment and 3.90 € per order in the first 30 months
Fee for 100 € ETF savings plan

1.50 €

Traders Place

Costs 13.5/15

Savings plan offer 11/20

Savings plan terms 9.4/18

Total 33.9/53

tested by justETF
Savings plan fee: 0.00 €
Account fee: 0.00 €
Savings plans: 889
Free savings plans: 889
  • No savings plan fees are charged for ETFs from Amundi, iShares and Xtrackers
  • 0.50 € per savings rate for ETF from other providers (currently, no such savings plans are offered)
Fee for 100 € ETF savings plan

0.00 €

Postbank

Costs 15/15

Savings plan offer 8/20

Savings plan terms 9.4/18

Total 32.4/53

tested by justETF
Savings plan fee: 0.00 €
Account fee: 0.00 €
Savings plans: 342
Free savings plans: 342
  • Full-service bank offering with outlets
  • No stock savings plans available
Fee for 100 € ETF savings plan

0.00 €

Smartbroker

Costs 13.5/15

Savings plan offer 11/20

Savings plan terms 7.2/18

Total 31.7/53

tested by justETF
Savings plan fee: 0.20 %
Account fee: 0.00 €
Savings plans: 1,081
Free savings plans: 804
  • No savings plan fees are charged for ETFs from Amundi, SPDR and Xtrackers
Fee for 100 € ETF savings plan

1.00 €

DKB

Costs 12/15

Savings plan offer 12.5/20

Savings plan terms 7/18

Total 31.5/53

tested by justETF
Savings plan fee: 1.50 €
Account fee: 0.00 €
Savings plans: 1,893
Free savings plans: 452
  • No savings plan fees are charged for numerous ETFs from Amundi, Deka and Xtrackers
  • Selected ETFs from Amundi, SPDR and Xtrackers can be purchased without order fees
Fee for 100 € ETF savings plan

1.50 €

S Broker

Costs 7.5/15

Savings plan offer 14/20

Savings plan terms 9.6/18

Total 31.1/53

tested by justETF
Savings plan fee: 2.50 %
Account fee: 0.00 €
Savings plans: 1,663
Free savings plans: 714
  • No savings plan fees are charged for ETFs from Amundi, Deka und Xtrackers up to a savings rate of 500 €
  • Selected ETFs from Legal & General and WisdomTree can be traded without order fees (from 1,500 € order volume)
Fee for 100 € ETF savings plan

2.50 €

maxblue

Costs 12/15

Savings plan offer 8/20

Savings plan terms 9.6/18

Total 29.6/53

tested by justETF
Savings plan fee: 1.25 %
Account fee: 0.00 €
Savings plans: 362
Free savings plans: 341
  • Until end of 2025, all available ETF savings plans are free of charge up to a savings amount of 250 € (does not apply to ETC savings plans)
  • Short-term incentives for one-time investments are offered regularly
  • Different structure of savings plan offer compared to other brokers (separate custody accounts for savings plan and one-time investment)
Fee for 100 € ETF savings plan

1.25 €

1822direkt

Costs 12/15

Savings plan offer 9.5/20

Savings plan terms 6.6/18

Total 28.1/53

tested by justETF
Savings plan fee: 1.50 %
Account fee: 0.00 €
Savings plans: 1,166
Free savings plans: 110
  • Selected Legal & General and Xtrackers ETFs can be purchased at a reduced fee
Fee for 100 € ETF savings plan

1.50 €

justTRADE

Costs 15/15

Savings plan offer 5/20

Savings plan terms 4.4/18

Total 24.4/53

tested by justETF
Savings plan fee: 0.00 €
Account fee: 0.00 €
Savings plans: 207
Free savings plans: 207
  • Possibility to trade cryptocurrencies (at a minimum spread of 0.30 %) and selected crypto ETNs
  • No stock savings plans available
Fee for 100 € ETF savings plan

0.00 €

Targobank

Costs 7.5/15

Savings plan offer 2.5/20

Savings plan terms 4/18

Total 14/53

tested by justETF
Savings plan fee: 2.50 %
Account fee: 0.00 €
Savings plans: 104
  • Selected Amundi ETFs can be purchased without order fees (from 3,000 € order volume)
  • Fractional share trading not possible even for savings plans
  • Relatively high minimum savings rate of 50 €, maximum savings rate of 500 €
Fee for 100 € ETF savings plan

2.50 €

— The data was last updated on 31/08/24.
— The sorting by test result is done in the following order: 1. test result 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.
— Important notice: No guarantee can be given for the completeness, correctness and accuracy of the content listed. The information on the online brokers' homepages is decisive.
* 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! Incidentally, we have been part of the Scalable Group since 2021. In order to avoid conflicts of interest, we have always applied neutral, objectively comprehensible criteria to all comparisons, articles and tests and attach great importance to the fact that YOU alone decide how and with whom you invest. Please note: Investments in securities involve risks.