Detailed comparison of all fees, features, and suitability — updated for 2026.
Bitvavo 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 | Bitvavo | ING | Difference |
|---|---|---|---|
| Order fee per trade | 0.25 € | 9.90 € | 9.65 € cheaper at Bitvavo |
| 10y savings plan cost @ €100/month | 30 € | 1.188 € | 1.158 € cheaper at Bitvavo |
| Available exchanges | 1 | 5 | +4 more at ING |
| BMInsider rating | 4.3/5 | 3.5/5 | +0.8 at Bitvavo |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Bitvavo | ING | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 0.25 % | 4.90€ + 0.25% (min 9.90€) | Bitvavo |
| ETF Savings Plan Fee | - | 1.75% | Tie |
| Account Fee | 0€/Year | 0€/Year | Tie |
| Minimum Deposit | €1 | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | ING | ||
| ETFs | ING | ||
| Crypto | Bitvavo | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Bitvavo | ||
| Number of Exchanges | Krypto-Spot | Xetra, Frankfurt, Direkthandel | ING |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | DNB · MiCA | BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2018 | 1991 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Bitvavo |
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 Bitvavo →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Bitvavo →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Bitvavo →Bitvavo is the leading crypto exchange for price-conscious European investors. Regulated by the Dutch central bank (DNB) and fully MiCA-licensed since 2025 — at 0.25% spot fee, one of the cheapest EU options.
Particularly suitable for: Krypto-Anleger, Bitcoin-Käufer, HODL-Investoren.
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.
Bitvavo (MiCA + BaFin custody licence, EUR account) and ING-DiBa AG (BaFin, fully steuereinfach, 9m DE customers) are complementary platforms. Bitvavo: 400+ spot crypto coins at 0.15% maker, 30+ staking coins, self-custody. ING: free Direkt-Depot, €4.90 + 0.25% order (max €69.90), 1 150 ETF savings plans permanently free from €1, 192 action ETFs/ETCs/ETNs at €0–€3.90, current account integration.
Honest take: ING for DACH savings-plan investors with bank integration. Bitvavo for crypto focus with self-custody.
You want real crypto coins. Bitvavo 400+. ING only ETNs.
You want lowest crypto fees. Bitvavo 0.15% maker.
You want crypto staking. 30+ coins.
You want §23 crypto tax-free after 1 year.
You want crypto API.
You want stocks, ETFs, bonds. Bitvavo crypto-primary.
You want 1 150 free ETF savings plans from €1.
You want the German tax certificate on all assets.
You want current account + savings + brokerage.
You're under 28 (Direkt-Depot Young).
ING fully steuereinfach. Bitvavo only securities DE; crypto in Anlage SO. §23 EStG: Bitvavo spot 1 year tax-free.
| Item | ING | Bitvavo |
|---|---|---|
| 12× €200 ETF savings plan | €0 | €0 |
| 4× €2 000 stock | 4× €9.90 = €39.60 | 4× €1 = ~€12 |
| 6× €500 crypto | 6× €4.90 + ETN = ~€45 | 6× €1.25 = €7.50 |
| Yearly cost | ≈€85 | ≈€20 |
Bitvavo cheaper on crypto + stocks. ING for bank setup + broader savings plans.
Pick: ING.
Pick: Bitvavo.
Pick: ING.
Pick: Bitvavo.
Pick: ING. Direkt-Depot Young.
Answers to the most common questions about Bitvavo vs ING.
For order fees, Bitvavo leads at 0.25 %, 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.
Bitvavo is regulated by DNB · MiCA, ING by BaFin. Both fall under EU oversight. Deposit protection: Bitvavo -, 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 Bitvavo 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. Bitvavo: -, 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.
