Detailed comparison of all fees, features, and suitability — updated for 2026.
Binance is the better choice for Krypto-Anleger, while ING wins for Full-Service Bank Customers. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Binance | ING | Difference |
|---|---|---|---|
| Order fee per trade | 0.10 € | 9.90 € | 9.80 € cheaper at Binance |
| 10y savings plan cost @ €100/month | 12 € | 1.188 € | 1.176 € cheaper at Binance |
| Available exchanges | 2 | 5 | +3 more at ING |
| BMInsider rating | 4.0/5 | 3.5/5 | +0.5 at Binance |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Binance | ING | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 0.1 % (BNB: 0.075 %) | 4.90€ + 0.25% (min 9.90€) | Binance |
| ETF Savings Plan Fee | - | 1.75% | Tie |
| Account Fee | 0€/Year | 0€/Year | Tie |
| Minimum Deposit | $10 | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | ING | ||
| ETFs | ING | ||
| Crypto | Binance | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Binance | ||
| Number of Exchanges | Krypto-Spot, Krypto-Futures | Xetra, Frankfurt, Direkthandel | ING |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Binance | ||
| Security & Regulation | |||
| Regulated by | MiCA EU · multiple licenses | BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2017 | 1991 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Binance |
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 Binance →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Binance →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Binance →Binance is the world's largest crypto exchange by daily volume. With 0.1% spot fee (0.075% with BNB discount), 350+ coins and futures markets, the platform offers more features at lower cost than any alternative.
Particularly suitable for: Krypto-Anleger, Bitcoin-Käufer, Aktive Krypto-Trader.
ING offers securities trading as part of its full banking service. For customers who want checking and brokerage under one roof.
Particularly suitable for: Full-Service Bank Customers, Casual Investors, Savings Plan.
Binance (Cayman Islands, no MiCA, no BaFin as of 2026) and ING-DiBa AG (BaFin, fully steuereinfach) are regulatorily opposite. Binance: 700+ coins at 0.10% spot, Binance Earn, MiCA risk. ING: free Direkt-Depot, 1 150 ETF savings plans from €1 free, 192 action ETFs at €0, current account integration, BaFin.
Honest take: ING for regulatorily safe DACH investors. Binance for active crypto traders aware of MiCA risk.
You want lowest crypto fees (0.10%).
You want 700+ coins.
You want Binance Earn / staking.
You want self-custody withdrawal.
You want crypto API.
You want regulatory clarity (BaFin). Binance MiCA risk.
You want stocks, ETFs, bonds. Binance crypto-only.
You want 1 150 ETF savings plans from €1 free.
You want current account + savings + brokerage.
You want full steuereinfach.
ING fully steuereinfach. Binance gross + MiCA risk. §23 EStG: Binance spot 1 year tax-free.
| Item | ING | Binance |
|---|---|---|
| ETF savings plan + 4 stocks | ~€40 | not offered |
| 50 crypto trades €1 000 | ~€500 (ETN) | €50 (0.10%) |
| Earn €25 000 | n/a | +€750 |
| Balance | −€540 | +€700 |
Binance crypto-focused clearly cheaper. ING for classic DACH setup.
Pick: ING.
Pick: Binance. MiCA risk.
Pick: Binance.
Pick: ING.
Pick: ING.
Answers to the most common questions about Binance vs ING.
For order fees, Binance leads at 0.1 % (BNB: 0.075 %), while ING 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.
Binance is regulated by MiCA EU · multiple licenses, ING by BaFin. Both fall under EU oversight. Deposit protection: Binance -, ING 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 Binance nor ING 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. Binance: -, ING: 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.
