Detailed comparison of all fees, features, and suitability — updated for 2026.
Comdirect is the better choice for Full-Service Bank Customers, while eToro wins for Social Trading. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Comdirect | eToro | Difference |
|---|---|---|---|
| Order fee per trade | 9.90 € | 0.00 € | 9.90 € cheaper at eToro |
| 10y savings plan cost @ €100/month | 1.188 € | 0 € | 1.188 € cheaper at eToro |
| Interest on €10,000 cash (1 year) | — | 4.55 % = 455 € | +455 € more at eToro / year |
| Free ETF savings plans | 150 | 0 | +150 more at Comdirect |
| Available exchanges | 1 | 1 | identical |
| BMInsider rating | 3.7/5 | 3.9/5 | +0.2 at eToro |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Comdirect | eToro | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 4.90€ + 0.25% (min 9.90€) | 0€ (Aktien) / Spread (CFDs & Krypto) | eToro |
| ETF Savings Plan Fee | 1.5% | - | Tie |
| Account Fee | 0€ (with activity) / 1.95€/Month otherwise | 0€ + $5 Auszahlungsgebühr | Tie |
| Minimum Deposit | 0€ | $50 | Tie |
| Interest on Cash | 0% | bis 4.55% (eToro Money) | eToro |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | eToro | ||
| Options | Comdirect | ||
| CFDs | Tie | ||
| Fractional Shares | eToro | ||
| Number of Exchanges | Alle deutschen + internationale Börsen | eToro-intern | Tie |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Comdirect | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | BaFin | CySEC / FCA | Tie |
| Deposit Protection | 100.000€ | €20.000 (ICF) | Tie |
| Founded | 1994 | 2007 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | eToro |
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 eToro →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about eToro →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about eToro →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.
eToro combines social trading with commission-free stock trading. Ideal for beginners who want to learn from experienced traders.
Particularly suitable for: Social Trading, Beginners, Copy Trading, Crypto.
comdirect (subsidiary of Commerzbank, BaFin) and eToro (eToro Europe Ltd., CySEC Cyprus, USD-base account) are investment tools with opposite strengths. comdirect is a German direct full-bank: current account + securities depot, €4.90 + 0.25% order (min €9.90, max €59.90), 576 action ETFs free of savings-plan fees until end 2027, fully steuereinfach. eToro offers real stocks/ETFs without commission (only 0.09–0.39% spread), spot crypto at 1% flat plus the CopyTrader social feature — but with USD account and $5 withdrawal fee.
Honest take: comdirect is the pick if you want steuereinfach DACH investing with a bank connection. eToro is the pick if you copy social trades, need a multi-asset mix (stocks + crypto + CFDs) in one app and can live with a USD-base account.
You want the German tax certificate without DIY work. comdirect withholds 25% KESt + 5.5% Soli automatically; annual certificate to your inbox. eToro as Cypriot broker pays gross — you self-declare.
You want current account + savings + brokerage at one bank. comdirect offers a free current account with monthly inflows ≥ €700 plus a Visa card. eToro has no bank account, only a trading account.
You want EUR base without FX conversion on every deposit. comdirect EUR account. eToro USD account — every EUR deposit is converted (spread), withdrawal again with FX markup plus $5 flat.
You want savings plans with the smallest rate. comdirect from €1 rate, 576 action ETFs fee-free. eToro has no classic savings plans — only one-off buys or CopyTrader.
You use German pension products (Vermögenswirksame Leistungen). comdirect offers VL savings plans with employer subsidy. eToro has no German VL products.
You want social trading / CopyTrader. eToro lets you follow a top trader from $200 — automatic trade replication. comdirect has no social component.
You want to trade real crypto coins. eToro spot crypto (BTC, ETH, SOL, 100+ coins) at 1% flat, wallet withdrawal to eToro Money. comdirect has no real crypto — only crypto ETNs during Xetra hours.
You want zero commission on US stock buys. eToro real US stocks (Apple, Tesla, NVIDIA): only 0.09–0.15% spread, no order commission. comdirect charges €4.90 + 0.25% (min €9.90) plus foreign-venue surcharge — on a $5 000 Apple buy ~€22 vs eToro ~€7.
You want smart portfolios / thematic bundles. eToro offers curated portfolios like "BigTech", "Renewables", "GenAI". comdirect has no curated theme portfolios.
You want optional CFD leverage. eToro offers CFDs (5:1 stocks, 30:1 FX) on the same account. comdirect has no CFDs.
Germany — comdirect steuereinfach, eToro not. comdirect withholds 25% KESt automatically. eToro pays gross; all gains self-declared in Anlage KAP.
Crypto tax: eToro spot crypto under §23 EStG — tax-free after 1 year holding. comdirect has no real crypto custody; crypto ETNs are securities (25% KESt, no 1-year rule).
Austria — neither steuereinfach. Both via FinanzOnline E1kv. eToro USD account requires additional FX tracking.
Vorabpauschale 2026: comdirect books ETFs automatically. eToro: you must compute Vorabpauschale yourself and add it to KAP.
US withholding tax: comdirect W-8BEN, 15% credited automatically. eToro: 15% US withholding is deducted, but you claim it yourself in Anlage AUS.
Profile: 12 monthly US stock buys at $500, 6 EU stock buys at €2 000, 1 crypto spot buy €1 000, 1 EUR withdrawal €5 000.
| Item | comdirect | eToro |
|---|---|---|
| 12× US stock $500 | 12× €9.90 + FX ~0.3% = €137 | 12× €0.5 spread = €6 |
| 6× EU stock €2 000 | 6× (€4.90 + €5) = €59.40 | 6× ~€5 spread = €30 |
| 1× crypto spot €1 000 | not offered (only ETN) | €10 (1%) |
| EUR withdrawal €5 000 | €0 | $5 + FX ~€50 = ~€55 |
| Yearly cost | ≈€196 | ≈€101 |
eToro ~€95 cheaper through cheaper US stock buys and crypto access. The tax overhead at eToro (self-declaration, BubbleTax/Alpha Convert ~€50–150/year) partly offsets the advantage. If you only trade EU stocks, comdirect wins clearly.
Pick: comdirect. Steuereinfach, current-account integration, 576 action ETFs. eToro USD base is unnecessary complexity.
Pick: eToro. Everything in one app, low spreads, real crypto. Tax overhead acceptable.
Pick: eToro. Only mainstream solution. comdirect offers nothing similar.
Pick: eToro. ~70% cheaper than comdirect on US buys. Tax effort via BubbleTax solvable.
Pick: comdirect. eToro has no German VL products.
Answers to the most common questions about Comdirect vs eToro.
For order fees, eToro leads at 0€ (Aktien) / Spread (CFDs & Krypto), 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, eToro by CySEC / FCA. Both fall under EU oversight. Deposit protection: Comdirect 100.000€, eToro €20.000 (ICF).
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 eToro 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€, eToro: €20.000 (ICF). Securities are held in segregated accounts and protected in case of broker insolvency.
eToro leads on cash interest at 4.55%. Watch the conditions — some brokers require a paid plan or cap the amount.
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.
