Detailed comparison of all fees, features, and suitability — updated for 2026.
Comdirect is the better choice for Full-Service Bank Customers, while DEGIRO wins for International Stocks. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Comdirect | DEGIRO | Difference |
|---|---|---|---|
| Order fee per trade | 9.90 € | 2.00 € | 7.90 € cheaper at DEGIRO |
| 10y savings plan cost @ €100/month | 1.188 € | 240 € | 948 € cheaper at DEGIRO |
| Free ETF savings plans | 150 | 0 | +150 more at Comdirect |
| Available exchanges | 1 | 8 | +7 more at DEGIRO |
| BMInsider rating | 3.7/5 | 4.0/5 | +0.3 at DEGIRO |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Comdirect | DEGIRO | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 4.90€ + 0.25% (min 9.90€) | 2€ + 0.03% (Europa) / 2€ + 0.05% (USA) | DEGIRO |
| ETF Savings Plan Fee | 1.5% | - | Tie |
| Account Fee | 0€ (with activity) / 1.95€/Month otherwise | 0€/Year + 2.50€ Connectivity fee/Exchange/Year | Comdirect |
| Minimum Deposit | 0€ | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | Tie | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Alle deutschen + internationale Börsen | Xetra, Euronext, NYSE | DEGIRO |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Comdirect | ||
| Demo Account | Comdirect | ||
| Security & Regulation | |||
| Regulated by | BaFin | AFM / BaFin | Tie |
| Deposit Protection | 100.000€ | 100.000€ | Tie |
| Founded | 1994 | 2013 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | DEGIRO |
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 Comdirect →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about DEGIRO →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Comdirect →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.
DEGIRO offers access to 50+ exchanges worldwide at low fees. Ideal for internationally diversified portfolios.
Particularly suitable for: International Stocks, Active Traders, Advanced Investors.
Comdirect (Commerzbank subsidiary, founded 1994) and DEGIRO (Dutch, founded 2013, now part of flatexDEGIRO) target different European retail-investor segments. Comdirect is the traditional German Direktbank with full Eurex options, all German Regional-Börsen, German tax-simple status, and the bundled Girokonto + Tagesgeld + depot relationship. DEGIRO is the pan-European discount broker — 50+ exchanges including Tokyo, Hong Kong, Sydney, with very low commissions but no German tax-simple status.
The honest framing: this is rarely a "which is better" comparison. It comes down to whether you value (1) German tax-simple handling + bundled banking (Comdirect) or (2) low commissions + global market access (DEGIRO). Both serve legitimate use cases.
You are a German tax resident wanting steuereinfach. Comdirect withholds 26.375 % KESt + Soli at source automatically. DEGIRO is not steuereinfach — manual Anlage KAP filing required for every gain, dividend, interest payment.
You want the bundled Girokonto + Tagesgeld + depot at one bank. Comdirect is a full Direktbank. DEGIRO is depot-only with no consumer banking products.
You want German telephone customer service in German. Comdirect's 24/7 German call centre is staffed by experienced specialists. DEGIRO's support is German-available but English-first; the call quality can be more variable.
You trade Eurex options or German Regional-Börsen. Comdirect routes to all German exchanges (Stuttgart, München, Hamburg, Berlin, Düsseldorf, Frankfurt, Tradegate, Quotrix) and offers full Eurex retail access. DEGIRO offers some options but with a less mature interface and limited Regional-Börsen routing.
You want EU-100k deposit protection in German banking law. Comdirect deposits are protected by the German EdB at €100 000 per customer. DEGIRO's deposit protection is structured differently (cash held at custodian banks, with €100k EU-equivalent protection) but the operational legal framework is less directly German.
You want non-European market access. DEGIRO routes to Tokyo (TSE), Hong Kong (HKEX), Australia (ASX), Toronto (TSX), Singapore (SGX), and 50+ exchanges total. Comdirect offers Wien, Six Switzerland, US, but no Asian or Australian markets directly.
You want lower commissions on European stock trades. DEGIRO charges 2 € + 0.03 % for European trades — about €3.50 on a €5 000 European order. Comdirect charges €4.90 + 0.25 % with €9.90 minimum — €9.90 on the same order. DEGIRO is meaningfully cheaper at small-to-medium order sizes.
You want a "Core Selection" of commission-free ETFs. DEGIRO offers ~200 ETFs with one free trade per month under their Core Selection promotion. Comdirect's free-ETF list (action ETFs) rotates quarterly and has a smaller catalog.
You're a younger digital-native investor with DIY tax-filing capability. DEGIRO's interface is more app-modern; the user flow feels newer-generation. Comdirect's WebFiliale is functional but visibly older. Combined with DIY tax-filing capability, DEGIRO can be a legitimate cost-saving choice.
You're not a German or Austrian tax resident. If you're an EU resident outside DACH where the steuereinfach distinction does not apply (e.g. Netherlands, Belgium, France), DEGIRO's tax overhead disappears and the commission savings dominate.
Germany — Comdirect is steuereinfach, DEGIRO is not. Comdirect withholds 25 % KESt + 5.5 % Soli + optional Kirchensteuer at source. DEGIRO is a foreign broker — manual Anlage KAP filing required for every transaction. Most German users delegate this to a Steuerberater (~€200–€500/year).
Austria — Comdirect Austria has historical austriakonform status; DEGIRO is not austriakonform. Comdirect Austria existed as austriakonformer Broker until 2022; existing Austrian customers retained the status. DEGIRO Austria explicitly states it is not steuereinfach for AT residents.
Vorabpauschale 2026: Comdirect applies the Vorabpauschale automatically on January 2 by debiting the cash account. DEGIRO reports the Vorabpauschale base in the year-end statement; you must report it manually in Anlage KAP-INV.
Quellensteuer on US dividends: Comdirect credits the standard 15 % US withholding against German KESt automatically. DEGIRO withholds 15 % (W-8BEN filed) but does not auto-credit — you claim it yourself in Anlage KAP.
Currency-gain tracking: EUR-tax-resident clients holding USD-denominated DEGIRO positions trigger taxable currency gains/losses on every position close. Comdirect operates EUR-only at point-of-trade for European stocks, abstracting this away.
Profile: 1 monthly ETF savings plan at €100 (Core Selection on DEGIRO, partner-action on Comdirect), 6 manual European stock buys per year at €2 000 each, average €5 000 idle EUR cash buffer.
| Item | Comdirect | DEGIRO |
|---|---|---|
| 120× savings-plan execution | €180 (1.5 % per execution) | €0–€60 (Core Selection) |
| 60× manual European orders €2 000 | €594 (€9.90 each) | €156 (€2 + 0.03 % × €2 000) |
| Connectivity / venue fees | €0 (included) | €25 (€2.50 × 10 yrs) |
| Cash interest (€5 k × 10 y on Tagesgeld) | €500 (1.0 % avg) | €0 |
| Tax-handling cost (Steuerberater for DEGIRO) | €0 | €2 000 (10y × €200) |
| Net 10-year cost | €274 | €2 181 |
For a German tax resident using a Steuerberater, Comdirect comes out ~€1 907 ahead — almost entirely because of the tax-handling burden on DEGIRO. Strip the Steuerberater fee (DIY filer) and DEGIRO becomes economically attractive: DEGIRO €181 over 10 years vs Comdirect €274 — DEGIRO wins by ~€93.
The choice depends almost entirely on whether you DIY-file your taxes or delegate. For DIY filers, DEGIRO wins on cost. For everyone else, Comdirect's steuereinfach is operationally cheaper.
Pick: Comdirect. Steuereinfach + Tagesgeld + Girokonto + Eurex + Wien direct. DEGIRO would add tax-handling overhead with no compensating advantage at this profile.
Pick: Comdirect Austria (existing customers) or Flatex Austria (new customers). DEGIRO Austria explicitly is not for AT residents wanting automatic withholding.
Pick: DEGIRO. The €2 + 0.03 % commission structure plus Core Selection ETFs make DEGIRO meaningfully cheaper, and the manual Anlage KAP filing is manageable with software like Smartsteuer.
Pick: DEGIRO. Comdirect does not route to Tokyo, Hong Kong, ASX. For Asian/Pacific market access from Germany, DEGIRO is one of the only retail options.
Pick: Comdirect. DEGIRO offers options but the interface and German tax treatment are less mature than Comdirect's Eurex implementation.
Answers to the most common questions about Comdirect vs DEGIRO.
For order fees, DEGIRO leads at 2€ + 0.03% (Europa) / 2€ + 0.05% (USA), 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.
Comdirect is regulated by BaFin, DEGIRO by AFM / BaFin. Both fall under EU oversight. Deposit protection: Comdirect 100.000€, DEGIRO 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 Comdirect nor DEGIRO 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. Comdirect: 100.000€, DEGIRO: 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.
