eToro
★★★★★3.9/5
Strengths
- 0€ Stock Trading
- Copy Trading
- Social Features
- Many Deposit Methods
- Demo Account
Weaknesses
- Spreads on CFDs
- $5 Withdrawal Fee
Best for
Social Trading
Go to eToro →* Affiliate link · no extra cost for you
Broker Comparison 2026
eToro vs. ING
Detailed comparison of all fees, features, and suitability — updated for 2026.
eToro
vs
ING
Our Recommendation
eToro is the better choice for Social Trading, 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 | eToro | ING | Difference |
|---|---|---|---|
| Order fee per trade | 0.00 € | 9.90 € | 9.90 € cheaper at eToro |
| 10y savings plan cost @ €100/month | 0 € | 1.188 € | 1.188 € cheaper at eToro |
| Interest on €10,000 cash (1 year) | 4.55 % = 455 € | — | +455 € more at eToro / year |
| Available exchanges | 1 | 5 | +4 more at ING |
| BMInsider rating | 3.9/5 | 3.5/5 | +0.4 at eToro |
Bottom line: on €10,000 cash eToro earns about 4.550 € more interest over 10 years.
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 | eToro | ING | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 0€ (Aktien) / Spread (CFDs & Krypto) | 4.90€ + 0.25% (min 9.90€) | eToro |
| ETF Savings Plan Fee | - | 1.75% | Tie |
| Account Fee | 0€ + $5 Auszahlungsgebühr | 0€/Year | Tie |
| Minimum Deposit | $50 | 0€ | Tie |
| Interest on Cash | bis 4.55% (eToro Money) | 0% | eToro |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | eToro | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | eToro | ||
| Number of Exchanges | eToro-intern | Xetra, Frankfurt, Direkthandel | ING |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | eToro | ||
| Security & Regulation | |||
| Regulated by | CySEC / FCA | BaFin | Tie |
| Deposit Protection | €20.000 (ICF) | 100.000€ | Tie |
| Founded | 2007 | 1991 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | eToro |
Which Broker for Whom?
Depending on your strategy and experience, one broker fits better. Here's how to decide:
For Beginners
eToro
Low barriers, simple app, demo account and no hidden costs — perfect to get started.
More about eToro →For Active Traders
eToro
Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about eToro →For Long-Term Investors
eToro
Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about eToro →Detailed Assessment
Who is eToro?
eToro combines social trading with commission-free stock trading. Ideal for beginners who want to learn from experienced traders.
Strengths in Detail
- 0€ Stock Trading
- Copy Trading
- Social Features
- Many Deposit Methods
- Demo Account
Weaknesses
- Spreads on CFDs
- $5 Withdrawal Fee
- Only Traded on eToro Platform
- USD Conversion Fee
Who is eToro worth it for?
Particularly suitable for: Social Trading, Beginners, Copy Trading, Crypto.
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.
eToro vs ING — Cypriot social-trading platform vs German direct bank
eToro (eToro Europe Ltd., CySEC Cyprus, USD base) and ING-DiBa AG (BaFin, 9m DE customers) are fundamentally different investment platforms. eToro focuses on multi-asset trading with social-trading functionality, real stocks/ETFs at 0.09–0.39% spread, spot crypto 1%, optional CFDs. ING is a German direct bank with a free Direkt-Depot, €4.90 + 0.25% order (max €69.90), 1 150 ETF savings plans permanently free from €1 rate, 192 action ETFs/ETCs/ETNs at €0–€3.90, current-account integration.
Honest take: ING is the pick for DACH savings-plan investors with bank integration. eToro is the pick for US stocks, spot crypto, social trading and multi-asset casual traders.
When eToro is the better pick
You want CopyTrader / social trading. eToro from $200. ING has nothing similar.
You want real crypto coins. eToro 100+ spot. ING only crypto ETNs as securities.
You want cheap US stock buys. eToro 0.15% spread. ING €4.90 + 0.25% on Xetra listing, foreign venues pricier with connectivity fee.
You want optional CFD leverage. eToro CFDs. ING only offers knock-out certificates.
You want smart portfolios. eToro thematic bundles. ING only single positions.
When ING is the better pick
You're building ETF savings-plan wealth. ING 1 150 ETF savings plans permanently free from €1 rate. eToro has no savings plans.
You want the German tax certificate. ING withholds 25% KESt automatically. eToro pays gross.
You want EUR base without FX friction. ING EUR account. eToro USD — every EUR movement carries FX spread.
You use current account + savings + brokerage. ING offers a free current account with monthly inflows ≥ €700 plus instant-access savings at 1.75% on the first €50 000 (as of 2026). eToro has no bank account.
You're under 28 for Direkt-Depot Young. ING reduced order fees until 28. eToro has no age discounts.
Taxes — DACH specifics
Germany — ING steuereinfach, eToro not. ING withholds 25% KESt automatically. eToro gross.
Crypto: eToro spot §23 1-year tax-free. ING only ETNs (25% KESt).
Austria — neither steuereinfach. Both via FinanzOnline E1kv.
Vorabpauschale 2026: ING books automatically. eToro self-calculate.
US withholding: ING W-8BEN, 15% credited. eToro 15% deducted, self-credit.
Cost example — Multi-asset investor over 1 year
Profile: 12 monthly €200 ETF savings plans, 6 EU stock buys at €2 000, 6 US stock buys at $1 000, 1 crypto spot €500, 1 EUR withdrawal €3 000.
| Item | ING | eToro |
|---|---|---|
| 12× €200 ETF savings plan | €0 (all free) | not offered |
| 6× €2 000 EU stock | 6× (€4.90 + €5) = €59.40 | ≈€30 (0.25% spread) |
| 6× $1 000 US stock | 6× (€4.90 + €2.50 + FX 0.3%) = ≈€60 | ≈€8 (0.15% spread) |
| 1× crypto €500 | not offered | €5 (1%) |
| EUR withdrawal €3 000 | €0 | ~€35 ($5 + FX) |
| Yearly cost | ≈€119 | ≈€78 |
eToro ~€40 cheaper via US stock spread and crypto. Strip crypto and FX withdrawal — eToro is ~€80 cheaper. But: no savings plans and no steuereinfach at eToro. ING wins for pure DACH savings-plan focus.
Verdict by investor profile
ETF savings-plan investor
Pick: ING. 1 150 free savings plans from €1.
Social trader
Pick: eToro. CopyTrader unique.
US stock trader
Pick: eToro. 0.15% spread beats ING cost.
Bank-integrated investor
Pick: ING. Current account + savings + brokerage.
Spot crypto investor
Pick: eToro. Real coins with §23.
Frequently Asked Questions
Answers to the most common questions about eToro vs ING.
For order fees, eToro leads at 0€ (Aktien) / Spread (CFDs & Krypto), 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.
eToro is regulated by CySEC / FCA, ING by BaFin. Both fall under EU oversight. Deposit protection: eToro €20.000 (ICF), 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 eToro 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. eToro: €20.000 (ICF), ING: 100.000€. 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.
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.