Detailed comparison of all fees, features, and suitability — updated for 2026.
Coinbase 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 | Coinbase | Comdirect | Difference |
|---|---|---|---|
| Order fee per trade | 0.40 € | 9.90 € | 9.50 € cheaper at Coinbase |
| 10y savings plan cost @ €100/month | 48 € | 1.188 € | 1.140 € cheaper at Coinbase |
| Free ETF savings plans | 0 | 150 | +150 more at Comdirect |
| Available exchanges | 2 | 1 | +1 more at Coinbase |
| BMInsider rating | 4.2/5 | 3.7/5 | +0.5 at Coinbase |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Coinbase | Comdirect | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 1.49 % – 3.99 % / 0.4 %–0.6 % Advanced | 4.90€ + 0.25% (min 9.90€) | Coinbase |
| 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 | Coinbase | ||
| Options | Comdirect | ||
| CFDs | Tie | ||
| Fractional Shares | Coinbase | ||
| Number of Exchanges | Krypto-Spot, Krypto-Futures | Alle deutschen + internationale Börsen | Coinbase |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Comdirect | ||
| Demo Account | Comdirect | ||
| Security & Regulation | |||
| Regulated by | NYDFS · BaFin · FCA | BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2012 | 1994 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Coinbase |
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 Coinbase →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Coinbase →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Coinbase →Coinbase is the only crypto exchange listed on a major stock exchange (NASDAQ: COIN). SOC2-certified, NYDFS-regulated, with the highest institutional acceptance in the US — but at higher fees than pure crypto exchanges in its standard tier.
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.
Coinbase (Coinbase Germany GmbH BaFin licence, MiCA via Luxembourg) and comdirect (Commerzbank subsidiary, BaFin, fully steuereinfach) are both regulated German platforms with complementary focus. Coinbase: 200+ crypto coins, Standard 1.49% or Advanced 0.40% maker, 9 staking coins, USDC rewards. comdirect: €4.90 + 0.25% order, 576 action ETFs without savings-plan fee, current account integration.
Honest take: comdirect for classic wealth with bank integration. Coinbase for crypto self-custody and USDC yield. Complementary parallel optimal.
You want real crypto coins. Coinbase 200+ coins. comdirect only ETNs.
You want self-custody withdrawal.
You want USDC rewards ~4%.
You want crypto staking. 9 coins.
You want Coinbase Wallet as DeFi app.
You want stocks, ETFs, bonds. Coinbase crypto-only.
You want current account + brokerage.
You want full steuereinfach.
You want 576 action ETFs.
You want no Coinbase Standard spread trap.
comdirect steuereinfach, Coinbase crypto in Anlage SO. Coinbase spot §23 1 year tax-free.
| Item | comdirect | Coinbase Advanced |
|---|---|---|
| Stocks/ETFs | ~€40/year | not offered |
| Crypto buys | ~€120 (ETN) | ~€30 (0.4%) |
| USDC rewards $10 000 | n/a | +€400 |
| Balance | −€160 | +€370 |
Coinbase crypto-focused cheaper; comdirect for classic bank needs.
Pick: comdirect.
Pick: Coinbase.
Pick: Coinbase.
Pick: comdirect.
Both in parallel.
Answers to the most common questions about Coinbase vs Comdirect.
For order fees, Coinbase leads at 1.49 % – 3.99 % / 0.4 %–0.6 % Advanced, 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.
Coinbase is regulated by NYDFS · BaFin · FCA, Comdirect by BaFin. Both fall under EU oversight. Deposit protection: Coinbase -, 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 Coinbase 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. Coinbase: -, 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.
