Detailed comparison of all fees, features, and suitability — updated for 2026.
Bitvavo is the better choice for Krypto-Anleger, while Comdirect wins for Full-Service Bank Customers. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Bitvavo | Comdirect | Difference |
|---|---|---|---|
| Order fee per trade | 0.25 € | 9.90 € | 9.65 € cheaper at Bitvavo |
| 10y savings plan cost @ €100/month | 30 € | 1.188 € | 1.158 € cheaper at Bitvavo |
| Free ETF savings plans | 0 | 150 | +150 more at Comdirect |
| Available exchanges | 1 | 1 | identical |
| BMInsider rating | 4.3/5 | 3.7/5 | +0.6 at Bitvavo |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Bitvavo | Comdirect | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 0.25 % | 4.90€ + 0.25% (min 9.90€) | Bitvavo |
| ETF Savings Plan Fee | - | 1.5% | Tie |
| Account Fee | 0€/Year | 0€ (with activity) / 1.95€/Month otherwise | Tie |
| Minimum Deposit | €1 | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | Comdirect | ||
| ETFs | Comdirect | ||
| Crypto | Bitvavo | ||
| Options | Comdirect | ||
| CFDs | Tie | ||
| Fractional Shares | Bitvavo | ||
| Number of Exchanges | Krypto-Spot | Alle deutschen + internationale Börsen | Tie |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Comdirect | ||
| Demo Account | Comdirect | ||
| Security & Regulation | |||
| Regulated by | DNB · MiCA | BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2018 | 1994 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Bitvavo |
Depending on your strategy and experience, one broker fits better. Here's how to decide:
Low barriers, simple app, demo account and no hidden costs — perfect to get started.
More about Bitvavo →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Bitvavo →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Bitvavo →Bitvavo is the leading crypto exchange for price-conscious European investors. Regulated by the Dutch central bank (DNB) and fully MiCA-licensed since 2025 — at 0.25% spot fee, one of the cheapest EU options.
Particularly suitable for: Krypto-Anleger, Bitcoin-Käufer, HODL-Investoren.
Comdirect is a full-service bank with comprehensive securities offerings. For investors who want everything from one provider.
Particularly suitable for: Full-Service Bank Customers, Derivatives Trading, Experienced Investors.
Bitvavo (Bitvavo B.V., MiCA + BaFin custody licence, EUR account) and comdirect (Commerzbank subsidiary, BaFin, fully steuereinfach) are complementary tools. Bitvavo: 400+ spot crypto coins at 0.15% maker / 0.25% taker, self-custody, 30+ staking coins. comdirect: €4.90 + 0.25% order (min €9.90), 576 action ETFs without savings-plan fee until end 2027, current account integration, German annual tax certificate — no real crypto coins, only ETNs.
Honest take: comdirect for classic DACH wealth with bank integration. Bitvavo for crypto focus with lowest fees and self-custody.
You want real crypto coins. Bitvavo 400+ coins, wallet withdrawal. comdirect only crypto ETNs.
You want lowest crypto fees. Bitvavo 0.15% maker. comdirect ETN buys €9.90 min order.
You want crypto staking. Bitvavo 30+ coins. comdirect no staking.
You want §23 crypto tax-free after 1 year. Bitvavo spot.
You want crypto API. Bitvavo REST + WebSocket.
You want stocks, ETFs, bonds, funds. comdirect broad classic range. Bitvavo primarily crypto.
You want 576 action ETFs without savings-plan fee. comdirect free until end 2027.
You want the German tax certificate. comdirect fully steuereinfach. Bitvavo crypto in Anlage SO.
You want current account + savings + brokerage. comdirect free current account. Bitvavo no bank account.
You want VL savings plans (employer subsidy). comdirect offers VL. Bitvavo not.
comdirect fully steuereinfach, Bitvavo securities only. comdirect KESt automatic. Bitvavo crypto in Anlage SO.
§23 EStG: Bitvavo spot 1 year tax-free. comdirect ETNs §20 (always KESt).
Vorabpauschale: comdirect ETFs automatic.
Austria: Neither AT-steuereinfach.
Profile: 12 ETF savings plans at €200 (action ETFs), 4 stocks at €2 000, 6 crypto at €500.
| Item | comdirect | Bitvavo |
|---|---|---|
| 12× €200 ETF savings plan | €0 (action ETFs) | €0 (savings plan) |
| 4× €2 000 stock | 4× €9.90 = €39.60 | 4× €1 + spread = ~€12 |
| 6× €500 crypto | 6× €9.90 + ETN spread = ~€75 | 6× €1.25 (0.25%) = €7.50 |
| Yearly cost | ≈€115 | ≈€20 |
Bitvavo notably cheaper on stocks + crypto. comdirect pays off for bank integration + VL.
Pick: comdirect.
Pick: Bitvavo.
Pick: comdirect.
Both in parallel.
Pick: comdirect.
Answers to the most common questions about Bitvavo vs Comdirect.
For order fees, Bitvavo leads at 0.25 %, while Comdirect charges 4.90€ + 0.25% (min 9.90€). Note: with CFD brokers, spreads add hidden cost — the lower nominal price isn't always cheaper overall.
Bitvavo is regulated by DNB · MiCA, Comdirect by BaFin. Both fall under EU oversight. Deposit protection: Bitvavo -, Comdirect 100.000€.
For German/Austrian customers, language, BaFin regulation and tax-simple status often matter most. Check the 'Regulated by' and 'Languages' rows — DACH-focused brokers usually have the edge.
Neither Bitvavo nor Comdirect offers free ETF savings plans. If recurring investing matters, check a savings-plan-focused broker.
Both are covered under their home regulator's deposit protection. Bitvavo: -, Comdirect: 100.000€. Securities are held in segregated accounts and protected in case of broker insolvency.
Neither broker pays meaningful interest on uninvested cash. Look elsewhere if cash yield matters.
Both offer native mobile apps with good app-store ratings. Which is better depends on your needs — try both with a demo account if available.
A second broker makes sense when one offers features the other lacks (e.g. options, crypto, more exchanges). A full switch is only worth it if the cost difference or missing features are significant.
Sign up with the broker that fits your strategy. Both are regulated and offer a demo account to test risk-free.
