Detailed comparison of all fees, features, and suitability — updated for 2026.
Comdirect is the better choice for Full-Service Bank Customers, while justTRADE wins for Free Trades. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Comdirect | justTRADE | Difference |
|---|---|---|---|
| Order fee per trade | 9.90 € | 0.00 € | 9.90 € cheaper at justTRADE |
| 10y savings plan cost @ €100/month | 1.188 € | 0 € | 1.188 € cheaper at justTRADE |
| Free ETF savings plans | 150 | 150 | identical |
| Available exchanges | 1 | 3 | +2 more at justTRADE |
| BMInsider rating | 3.7/5 | 3.8/5 | +0.1 at justTRADE |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Comdirect | justTRADE | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 4.90€ + 0.25% (min 9.90€) | 0€ (min 500€ order volume) | justTRADE |
| ETF Savings Plan Fee | 1.5% | 0€ | justTRADE |
| Account Fee | 0€ (with activity) / 1.95€/Month otherwise | 0€/Year | Tie |
| Minimum Deposit | 0€ | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | justTRADE | ||
| Options | Comdirect | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Alle deutschen + internationale Börsen | LS Exchange, Quotrix, Tradegate | justTRADE |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Comdirect | ||
| Demo Account | Comdirect | ||
| Security & Regulation | |||
| Regulated by | BaFin | BaFin | Tie |
| Deposit Protection | 100.000€ | 100.000€ | Tie |
| Founded | 1994 | 2019 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | justTRADE |
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 justTRADE →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about justTRADE →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about justTRADE →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.
justTRADE offers completely free trading from €500 order volume. One of the cheapest brokers in Germany.
Particularly suitable for: Free Trades, Crypto + Stocks, Cost-Conscious Investors.
Comdirect (Commerzbank subsidiary, founded 1994) and justTRADE (founded 2019, BaFin-regulated) target very different German retail-investor profiles. Comdirect is the traditional Direktbank with bundled Girokonto + Tagesgeld + depot, full Eurex options, all German Regional-Börsen. justTRADE is the 2019-vintage neo-broker with €0 commission on orders ≥€500, native crypto, three execution venues (LS Exchange, Quotrix, Tradegate).
The honest framing: justTRADE is structurally cheaper for users with €500+ orders. Comdirect is structurally better for users who want Eurex options, German telephone support, or bundled banking.
You want a bundled Girokonto + Tagesgeld + depot. Comdirect is a real Direktbank. justTRADE is depot-only.
You want Eurex options access. Comdirect offers full Eurex retail. justTRADE does not offer options at all.
You want all German Regional-Börsen + Wien direct. Comdirect routes to Stuttgart, München, Hamburg, Berlin, Düsseldorf, Frankfurt, Tradegate, Quotrix, plus Wien direct. justTRADE routes only to LS Exchange, Quotrix, and Tradegate — fewer venues, no Wien direct.
You trade orders below €500. justTRADE rejects orders under €500 minimum. Comdirect accepts any order from €1, with €9.90 minimum commission. For €100–€499 trades, only Comdirect serves the use case.
You want German telephone customer service. Comdirect's 24/7 call centre is staffed by experienced specialists. justTRADE's phone support is more limited.
You consistently trade orders ≥€500. justTRADE charges €0 commission. Comdirect charges €4.90 + 0.25 % with €9.90 minimum. For €1 000+ orders, justTRADE saves ~€10 per trade vs Comdirect.
You want fee-free ETF savings plans. justTRADE offers €0 savings plans from €25 minimum. Comdirect savings plans cost 1.5 % outside the action ETFs.
You want native crypto in a BaFin-regulated broker. justTRADE was the first German broker to offer crypto + stocks side-by-side. Comdirect does not offer spot crypto.
You want a more modern web + app interface. justTRADE's digital experience is more app-modern than Comdirect's WebFiliale.
You want venue choice on each trade. justTRADE lets you pick LS Exchange, Quotrix, or Tradegate per order. Comdirect smart-routes by default but the per-order venue choice is less direct.
Germany — both steuereinfach. Comdirect and justTRADE both withhold 25 % KESt + 5.5 % Soli + optional Kirchensteuer at source.
Austria — Comdirect Austria has historical austriakonform status; justTRADE does not. Comdirect Austria existed as austriakonformer Broker until 2022. justTRADE has no austriakonform Austrian product.
Vorabpauschale 2026: Both apply Vorabpauschale automatically on January 2.
Quellensteuer on US dividends: Both file W-8BEN; the 15 % US withholding is creditable against German KESt automatically.
Eurex options: Comdirect supports Eurex options (€20 000 Termingeschäft loss-cap applies). justTRADE does not offer options.
Crypto tax: justTRADE separates crypto sales cleanly in tax statements (helpful for §23 EStG 1-year holding rule). Comdirect doesn't offer spot crypto.
Profile: 1 monthly ETF savings plan at €100, 6 manual orders/year at €1 000, average €5 000 idle EUR cash buffer.
| Item | Comdirect | justTRADE |
|---|---|---|
| 120× savings-plan execution | €180 (1.5 %) | €0 |
| 60× manual orders €1 000 | €594 (€9.90 each) | €0 (≥€500 threshold) |
| Cash interest (€5 k × 10 y on Tagesgeld) | €500 | €0 |
| Net 10-year cost | €274 | €0 |
justTRADE wins by €274 over 10 years for this profile. Comdirect's bundled Tagesgeld helps but doesn't close the commission gap. The choice depends on whether the bundled banking + Eurex options access matters to you (Comdirect) or whether you optimize for raw cost (justTRADE).
Pick: Trade Republic or Scalable Free. justTRADE's €25 minimum + €500 manual-order threshold are friction at this scale. Comdirect's €9.90 minimum is too expensive.
Pick: justTRADE. €0 commission on ≥€500 orders is structurally cheaper than Comdirect's €9.90 minimum.
Pick: Comdirect. justTRADE does not offer options. Comdirect supports Eurex retail in a German tax-simple depot.
Pick: justTRADE. Native crypto in a BaFin-regulated stocks broker. Comdirect lacks spot crypto.
Pick: Keep Comdirect for banking, open justTRADE for active trading. Dual-broker setup captures the cost savings without losing the bundled banking.
Answers to the most common questions about Comdirect vs justTRADE.
For order fees, justTRADE leads at 0€ (min 500€ Ordervolumen), 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, justTRADE by BaFin. Both fall under EU oversight. Deposit protection: Comdirect 100.000€, justTRADE 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.
justTRADE offers free ETF savings plans from 25€. If a savings plan matters to you, that's a clear edge.
Both are covered under their home regulator's deposit protection. Comdirect: 100.000€, justTRADE: 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.
