DEGIRO
★★★★★4.0/5
Strengths
- 50+ Global Exchanges
- Low Fees
- Options & Futures
- Access to Asian Markets
Weaknesses
- No Savings Plan
- No Crypto
Best for
International Stocks
Go to DEGIRO →* Affiliate link · no extra cost for you
Broker Comparison 2026
DEGIRO vs. ING
Detailed comparison of all fees, features, and suitability — updated for 2026.
DEGIRO
vs
ING
Our Recommendation
DEGIRO is the better choice for International Stocks, while ING wins for Full-Service Bank Customers. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
Numeric Comparison
| Metric | DEGIRO | ING | Difference |
|---|---|---|---|
| Order fee per trade | 2.00 € | 9.90 € | 7.90 € cheaper at DEGIRO |
| 10y savings plan cost @ €100/month | 240 € | 1.188 € | 948 € cheaper at DEGIRO |
| Available exchanges | 8 | 5 | +3 more at DEGIRO |
| BMInsider rating | 4.0/5 | 3.5/5 | +0.5 at DEGIRO |
Bottom line: a €100/month savings plan over 10 years costs 948 € less at DEGIRO.
ING
★★★★★3.5/5
Strengths
- Established Full-Service Bank
- Good Customer Service
- Integrated Current Account
- Free Custody Account
Weaknesses
- High Order Fees
- Savings Plan Not Free
Best for
Full-Service Bank Customers
Go to ING →* Affiliate link · no extra cost for you
Detailed Comparison
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | DEGIRO | ING | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 2€ + 0.03% (Europa) / 2€ + 0.05% (USA) | 4.90€ + 0.25% (min 9.90€) | DEGIRO |
| ETF Savings Plan Fee | - | 1.75% | Tie |
| Account Fee | 0€/Year + 2.50€ Connectivity fee/Exchange/Year | 0€/Year | ING |
| Minimum Deposit | 0€ | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | Tie | ||
| Options | DEGIRO | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Xetra, Euronext, NYSE | Xetra, Frankfurt, Direkthandel | DEGIRO |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | AFM / BaFin | BaFin | Tie |
| Deposit Protection | 100.000€ | 100.000€ | Tie |
| Founded | 2013 | 1991 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | DEGIRO |
Which Broker for Whom?
Depending on your strategy and experience, one broker fits better. Here's how to decide:
For Beginners
DEGIRO
Low barriers, simple app, demo account and no hidden costs — perfect to get started.
More about DEGIRO →For Active Traders
DEGIRO
Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about DEGIRO →For Long-Term Investors
ING
Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about ING →Detailed Assessment
Who is DEGIRO?
DEGIRO offers access to 50+ exchanges worldwide at low fees. Ideal for internationally diversified portfolios.
Strengths in Detail
- 50+ Global Exchanges
- Low Fees
- Options & Futures
- Access to Asian Markets
Weaknesses
- No Savings Plan
- No Crypto
- No Interest on Cash
- Not Tax-Simple for Austria
Who is DEGIRO worth it for?
Particularly suitable for: International Stocks, Active Traders, Advanced Investors.
Who is ING?
ING offers securities trading as part of its full banking service. For customers who want checking and brokerage under one roof.
Strengths in Detail
- Established Full-Service Bank
- Good Customer Service
- Integrated Current Account
- Free Custody Account
Weaknesses
- High Order Fees
- Savings Plan Not Free
- Limited Exchanges
Who is ING worth it for?
Particularly suitable for: Full-Service Bank Customers, Casual Investors, Savings Plan.
DEGIRO vs ING — pan-European discount broker vs full-service German bank
DEGIRO (Dutch, founded 2013, now part of flatexDEGIRO) and ING (formerly ING-DiBa, 9M+ German bank customers) target different European retail segments. DEGIRO is the specialist pan-European discount broker with 50+ exchanges including Asia/Pacific markets and very low commissions. ING is the full-service German Direktbank with bundled Girokonto, Extra-Konto, ETF savings plans, and BaFin-regulated steuereinfach status for German residents.
The honest framing: this is rarely a head-to-head choice. ING customers are typically buy-and-hold investors who value the bundled banking experience. DEGIRO customers are typically DIY-tax-filing investors who want low commissions or specific market access (Asian exchanges, options). The right answer depends on which user type you actually are.
When DEGIRO is the better pick
You want non-European market access. DEGIRO routes to Tokyo (TSE), Hong Kong (HKEX), Australia (ASX), Toronto (TSX), Singapore (SGX), and 50+ exchanges total. ING does not route to Asian or Australian markets — non-European stocks are limited to US listings.
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. ING 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 options trading. DEGIRO offers options on Eurex DAX/Bund and selected European single-stocks. ING does not offer options at all. For occasional options strategies, DEGIRO is structurally relevant.
You want a Core Selection of commission-free ETFs. DEGIRO offers ~200 ETFs with one free trade per month. ING's savings-plan ETF list is also broad but has the 1.75 % per-execution fee.
You're a DIY tax-filing investor. If you DIY-file with software like Smartsteuer or WISO Steuer-Sparbuch, DEGIRO's foreign-broker statement is workable and the commission savings dominate.
When ING is the better pick
You are a German tax resident wanting steuereinfach. ING 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 a Girokonto + Extra-Konto + depot bundle. ING offers a complete consumer banking suite with the famous Extra-Konto for savings. DEGIRO is depot-only with no consumer banking products.
You want German telephone customer service. ING runs a German call centre with experienced staff for both banking and depot questions. DEGIRO's support is German-available but English-first; the call quality can be variable.
You hold idle EUR cash for free interest. ING's Extra-Konto pays 1.5–1.75 % standard. DEGIRO pays 0 % on the cash account. For users with €10 k+ cash buffers, ING's interest delta exceeds €100/year — meaningful for casual investors.
You're a buy-and-hold ETF investor with €25 k–€100 k portfolio and modest trading. ING's depot is good enough for this profile, and the bundled banking adds genuine convenience. DEGIRO's commission savings on 4 trades per year are too small to compensate for the tax-handling overhead.
You want EU-100k deposit protection in German banking law. ING is a German Direktbank with EdB protection at €100 000 per customer.
Taxes — DACH specifics
Germany — ING is steuereinfach, DEGIRO is not. ING 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), or use tax-filing software (Smartsteuer, WISO).
Austria — neither austriakonform. Both ING and DEGIRO require self-reporting via Anlage E1kv on FinanzOnline for Austrian residents. Both issue annual statements; neither hand off automatic withholding. For Austrian investors, neither broker offers an operational advantage on this dimension — the choice between them comes down to other factors (commissions, market access).
Vorabpauschale 2026: ING applies the Vorabpauschale automatically on January 2 by debiting the cash account. DEGIRO reports the Vorabpauschale base in the year-end statement; manual Anlage KAP-INV filing required.
Quellensteuer on US dividends: ING 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. ING EUR-only operations abstract this away for European stocks; for US stocks ING also handles FX behind-the-scenes.
Cost example — €25 000 active investor over 10 years
Profile: 1 monthly ETF savings plan at €100 (Core Selection on DEGIRO, partner-action on ING), 6 manual European stock buys per year at €2 000 each, average €5 000 idle EUR cash buffer.
| Item | DEGIRO | ING |
|---|---|---|
| 120× savings-plan execution | €0–€60 (Core Selection) | €210 (1.75 % per execution) |
| 60× manual European orders €2 000 | €156 (€2 + 0.03 % × €2 000) | €594 (€9.90 each) |
| Connectivity / venue fees | €25 (€2.50 × 10 yrs) | €0 (included) |
| Cash interest (€5 k × 10 y on Extra-Konto) | €0 | €875 (1.75 %) |
| Tax-handling cost (Steuerberater for DEGIRO) | €2 000 (10y × €200) | €0 |
| Net 10-year cost | €2 181 | −€71 |
For a German tax resident using a Steuerberater, ING comes out ~€2 252 ahead — almost entirely because of the tax-handling burden on DEGIRO and the Extra-Konto interest. Strip the Steuerberater fee (DIY filer) and DEGIRO becomes economically attractive: DEGIRO €181 over 10 years vs ING −€71 — ING still slightly ahead due to Extra-Konto interest, but the gap shrinks to €252 over 10 years.
The choice depends on (a) DIY vs delegated tax-filing, and (b) whether you actively use ING's Extra-Konto. For most casual investors, ING's bundle wins; for active DIY tax-filers, DEGIRO can be marginally cheaper.
Verdict by investor profile
Buy-and-hold ETF investor with bundled-banking preference
Pick: ING. The Girokonto + Extra-Konto + depot bundle adds genuine convenience. DEGIRO's commission savings are too small to overcome the tax-handling overhead at this profile.
Austrian tax resident
Pick: Neither — use Flatex Austria. Both DEGIRO and ING require manual FinanzOnline reporting for Austrian residents. Flatex Austria is the only meaningful austriakonform option.
DIY tax-filing investor wanting low European commissions
Pick: DEGIRO. Core Selection ETFs + €2 + 0.03 % commissions are meaningfully cheaper for active traders willing to file Anlage KAP themselves.
International stock picker (Asian markets)
Pick: DEGIRO. ING does not route to Asian/Australian exchanges. For these markets, DEGIRO is one of the only retail options.
Active options trader (occasional)
Pick: DEGIRO (or upgrade to IBKR for serious volume). ING does not offer options. DEGIRO offers Eurex options at competitive pricing; for 5+ contracts/month, IBKR overtakes economically.
Frequently Asked Questions
Answers to the most common questions about DEGIRO vs ING.
For order fees, DEGIRO leads at 2€ + 0.03% (Europa) / 2€ + 0.05% (USA), 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.
DEGIRO is regulated by AFM / BaFin, ING by BaFin. Both fall under EU oversight. Deposit protection: DEGIRO 100.000€, 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 DEGIRO 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. DEGIRO: 100.000€, 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.
Ready to Get Started?
Sign up with the broker that fits your strategy. Both are regulated and offer a demo account to test risk-free.