Detailed comparison of all fees, features, and suitability — updated for 2026.
ING 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 | ING | 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 | 0 | 150 | +150 more at justTRADE |
| Available exchanges | 5 | 3 | +2 more at ING |
| BMInsider rating | 3.5/5 | 3.8/5 | +0.3 at justTRADE |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | ING | justTRADE | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 4.90€ + 0.25% (min 9.90€) | 0€ (min 500€ order volume) | justTRADE |
| ETF Savings Plan Fee | 1.75% | 0€ | justTRADE |
| Account Fee | 0€/Year | 0€/Year | Tie |
| Minimum Deposit | 0€ | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | justTRADE | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Xetra, Frankfurt, Direkthandel | LS Exchange, Quotrix, Tradegate | ING |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | BaFin | BaFin | Tie |
| Deposit Protection | 100.000€ | 100.000€ | Tie |
| Founded | 1991 | 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 →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.
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.
ING (formerly ING-DiBa, 9M+ German bank customers) and justTRADE (founded 2019, BaFin-regulated) appeal to different German retail-investor profiles. ING is the full-service Direktbank with bundled Girokonto + Extra-Konto + depot. justTRADE is the 2019-vintage neo-broker with €0 commission on orders ≥€500, native crypto, three execution venues.
The honest framing: justTRADE is structurally cheaper for active traders with €500+ orders. ING is structurally easier for users who want bundled banking and don't want a separate broker.
You want a Girokonto + Extra-Konto + depot bundle. ING offers a complete consumer banking suite. justTRADE is depot-only.
You hold large idle EUR cash. ING's Extra-Konto pays 1.5–1.75 % standard. justTRADE pays 0 % on cash. For €15 k+ buffers, the differential is €225+/year free at ING.
You trade orders below €500. justTRADE has a €500 minimum order size. ING accepts any order from €1 (with €9.90 minimum commission). For €100–€499 trades, only ING serves.
You want German telephone customer service. ING runs a German call centre. justTRADE phone support is more limited.
You want a long-tenured banking brand. ING has 30+ years of banking history; justTRADE is younger.
You consistently trade orders ≥€500. justTRADE charges €0 commission. ING charges €4.90 + 0.25 % with €9.90 minimum. For €1 000+ orders, justTRADE saves ~€10 per trade.
You want fee-free ETF savings plans. justTRADE offers €0 savings plans from €25 minimum. ING savings plans cost 1.75 % per execution.
You want native crypto. justTRADE was the first German broker with crypto + stocks side-by-side. ING does not offer spot crypto.
You want a more modern web + app interface. justTRADE's digital experience is more app-modern than ING's banking-first app.
You want venue choice on each trade. justTRADE lets you pick LS Exchange, Quotrix, or Tradegate per order. ING routes primarily to Xetra and Frankfurt.
Germany — both steuereinfach. ING and justTRADE both withhold 25 % KESt + 5.5 % Soli + optional Kirchensteuer at source.
Austria — neither austriakonform. Both ING and justTRADE require self-reporting via Anlage E1kv on FinanzOnline for Austrian residents.
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.
Crypto tax: justTRADE separates crypto sales cleanly in tax statements (helpful for §23 EStG 1-year holding rule). ING 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 | ING | justTRADE |
|---|---|---|
| 120× savings-plan execution (1.75 %) | €210 | €0 |
| 60× manual orders €1 000 | €594 (€9.90 each) | €0 (≥€500 threshold) |
| Cash interest (€5 k × 10 y on Extra-Konto) | €875 (1.75 %) | €0 |
| Net 10-year cost | −€71 | €0 |
The two come out almost even — ING's Extra-Konto cash interest exactly offsets the higher commissions at this profile. The choice depends on whether you actively use ING's Extra-Konto and value bundled banking.
If the user does NOT actively shift cash to Extra-Konto, the gap widens by €875 in justTRADE's favor.
Pick: Trade Republic or Scalable Free. justTRADE's €500 threshold disqualifies it; ING's €9.90 minimum is too expensive.
Pick: justTRADE. €0 commission on ≥€500 orders is structurally cheaper than ING's €9.90 minimum.
Pick: Keep ING for banking, open justTRADE for active trading.
Pick: justTRADE. Native crypto in a BaFin-regulated stocks broker. ING lacks spot crypto.
Pick: ING. Extra-Konto interest + bundled banking is competitive for users who don't actively trade.
Answers to the most common questions about ING vs justTRADE.
For order fees, justTRADE leads at 0€ (min 500€ Ordervolumen), 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.
ING is regulated by BaFin, justTRADE by BaFin. Both fall under EU oversight. Deposit protection: ING 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. ING: 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.
