Financial products in Germany
Germany is home to several low-cost neobrokers.
Currency: Euro (EUR)
Regulator
BaFin
Investor protection
EU rules require investor compensation of at least €20,000 if a broker fails.
Tax, in general
A flat withholding tax applies to gains, with a yearly tax-free allowance.
A general summary, not tax advice. Tax rules and limits change each tax year, and the year this note reflects is not recorded yet.
Verified products
- Min. deposit
- Savings plan from €1
- Regulators
- Deposit insurance up to €100,000 (DE/FR)
- Fees
- Equity: €1.00 per €500 order; Other trades: ETF savings plan €0; Account: €0 custody; FX: Not stated
- Investments
- ETFs, stocks, funds, bonds, derivatives, crypto; 2,500 stock savings plans
- Min. deposit
- Savings plan from €1
- Regulators
- Deposit insurance up to €500,000 (DE/FR)
- Fees
- Equity: €0.99 per €500 order; Other trades: ETF savings plan €0; Account: €0 custody; FX: Not stated
- Investments
- ETFs, stocks, funds, bonds, derivatives, crypto; 4,500 stock savings plans
- Min. deposit
- Savings plan from €1
- Regulators
- Deposit insurance €100,000 (DE)
- Fees
- Equity: €6.15 per €500 (€4.90 + 0.25%); Other trades: ETF savings plan €0; Account: €0 custody; FX: Not stated
- Investments
- ETFs, stocks, funds; 550 stock savings plans
- Min. deposit
- Savings plan from €25
- Regulators
- Deposit insurance €100,000 (DE)
- Fees
- Equity: €5.90 per €500; Other trades: ETF savings plan €0; Account: €0 custody; FX: Not stated
- Investments
- ETFs, stocks, funds, bonds, derivatives; 1,000 stock savings plans
- Min. deposit
- Savings plan from €1
- Regulators
- Deposit insurance €100,000 (DE)
- Fees
- Equity: €9.90 per €500 (€4.90 + 0.25%); Other trades: ETF savings plan 1.50%; Account: €0 custody; FX: Not stated
- Investments
- ETFs, stocks, funds; 1,700 stock savings plans
- Min. deposit
- Savings plan from €1
- Regulators
- Deposit insurance €100,000 (DE)
- Fees
- Equity: €1.00 per €500; Other trades: ETF savings plan €0; Account: €0 custody; FX: Not stated
- Investments
- ETFs, stocks, funds; 1,700 stock savings plans
- Min. deposit
- Savings plan from €25
- Regulators
- Deposit insurance €100,000 (DE)
- Fees
- Equity: €10 (range €10-€30) per €500; Other trades: ETF savings plan €1.50; Account: €0 custody; FX: Not stated
- Investments
- ETFs, stocks, funds; 40 stock savings plans
- Coins
- Major crypto assets
- Trading fees
- Crypto-to-crypto trading reported fee-free (Finder)
- Regulation
- Not stated in source
- Security
- Not stated in source
- Coins
- Major crypto assets
- Trading fees
- Named by Finder for low fees (2026); figures not stated
- Regulation
- Not stated in source
- Security
- Not stated in source
- Coins
- Major crypto assets
- Trading fees
- Not stated in source
- Regulation
- Not stated in source
- Security
- Not stated in source
- Min. deposit
- $5 (as reported)
- Regulators
- Not stated in source
- Spreads and fees
- Not stated in source
- Platforms
- Not stated in source
- Min. deposit
- $50 on its Direct STP account (as reported)
- Regulators
- Not stated in source
- Spreads and fees
- Not stated in source
- Platforms
- Not stated in source
- Transfer fee
- Variable fee about 0.35%–2.85% (as reported)
- Exchange rate
- Mid-market rate, no added margin (as reported)
- Speed
- Not stated
- Coverage
- Over 40 currencies (not stated)
- Transfer fee
- Flat fee varies by destination; $1.99 to Mexico bank deposit (as reported)
- Exchange rate
- Margin 0.5%–3.0% above mid-market (as reported)
- Speed
- Not stated
- Coverage
- Many countries (not stated)
- Transfer fee
- $1–$5 flat (as reported)
- Exchange rate
- 0.5%–2% bank transfer; up to 4% cash pickup (as reported)
- Speed
- Not stated
- Coverage
- Many countries (not stated)
- Transfer fee
- No upfront transfer fee (as reported)
- Exchange rate
- Not stated
- Speed
- Not stated
- Coverage
- Not stated
- Monthly fee
- Plan-based maintenance fees (as reported)
- Card
- Not stated
- Spending abroad
- Not stated
- Protection
- Not stated
- Monthly fee
- No maintenance fee (as reported)
- Card
- Cross-border transfers from 0.41% (as reported)
- Spending abroad
- Not stated
- Protection
- Not stated
Browse by category
Calculators
- EMI Calculator
- Compound Interest Calculator
- SIP Calculator
- Investment Fee Impact Calculator
- Simple Interest Calculator
- Present Value Calculator
- CAGR Calculator
- Return on Investment (ROI) Calculator
- Debt-to-Income Ratio Calculator
- Savings Rate Calculator
- Future Value Calculator
- Inflation Calculator
- Annuity Calculator
- Annuity Payout Calculator
- Certificate of Deposit (CD) Calculator
- Payback Period Calculator
- Credit Card Payoff Calculator
- Debt Payoff Calculator
- Balance Transfer Calculator
- Cashback Break-Even Calculator
- Debt Consolidation Calculator
- Emergency Fund Calculator
- Systematic Withdrawal Plan (SWP) Calculator
- Dividend Yield Calculator
- Stock Profit Calculator
- Portfolio Allocation Calculator
- Portfolio Rebalancing Calculator
- Risk-to-Reward Calculator
- Commission Calculator
- Discount Calculator
- Percent Off Calculator
- Profit Margin Calculator
- Business Break-Even Calculator
- Working Capital Calculator
- Net Worth Calculator
- Interest Calculator
- Interest Rate Calculator
- Bond Calculator
- Brokerage and Trading Fees Calculator
- IRR Calculator
- XIRR Calculator
- Pension Calculator
- Mutual Fund Calculator
- Rental Property Calculator
- Real Estate Calculator
- FIRE Calculator
- Financial Independence Calculator
- Finance Calculator
- Budget Calculator
- Rent Calculator
- Savings Calculator
- Investment Calculator
- Average Return Calculator