Best Broker for ETF Savings Plan 2026
Free ETF savings plans are a key factor. These brokers offer the best conditions for regular investing.
ETF savings-plan brokers: what the comparison really comes down to
Three things drive the ranking: free execution, low minimum rate and ETF selection. A €0 savings plan on an MSCI World ETF from €1 produces a four-digit return difference over 30 years compared to a €1.50 execution fee per installment — because every execution fee acts as a hidden TER markup. That is why free execution carries the most weight in this category and we filter out brokers with minimum installments above €25.
Which ETFs can actually be bought free of charge?
Look beyond the headline ETF count to the actual providers. A broker with 1,500 ETFs but no free iShares or Vanguard MSCI World savings plans is useless for most retail investors. Equally important: flexible intervals (monthly, biweekly, quarterly) and an automatic catch-up mechanism if you skip a rate. Our top picks have been verified on each of these points.
Smartbroker+
Free ETF savings plan
Smartbroker+ offers free trades from €500 order volume and free Xetra access. A strong competitor to Trade Republic.
justTRADE
Free ETF savings plan
justTRADE offers completely free trading from €500 order volume. One of the cheapest brokers in Germany.
Scalable Capital
Free ETF savings plan
Scalable Capital offers a flat-rate model from €4.99/month for unlimited trades. With Xetra access and free savings plans, a good choice for active investors.
Trade Republic
Free ETF savings plan
Trade Republic is a German neo-broker with extremely low fees (€1 per trade) and free ETF savings plans. Ideal for beginners and savings plan investors.
Bitpanda
Free ETF savings plan
Bitpanda is Austria's largest crypto platform, founded in Vienna in 2014. Regulated by the Austrian FMA and German BaFin, with savings plans and an integrated stocks/ETFs/metals offering — though at higher fees than pure crypto exchanges.
Fee Comparison: Best Brokers for Plan de Ahorro en ETF
| Broker | Order Fee | Savings Plan | Account | Rating |
|---|---|---|---|---|
| Smartbroker+ | 0€ (gettex, ab 500€) / 4€ (Xetra) | ✅ 0€ | 0€/Jahr | |
| justTRADE | 0€ (min 500€ Ordervolumen) | ✅ 0€ | 0€/Jahr | |
| Scalable Capital | 0.99€ oder Flatrate ab 4.99€/Monat | ✅ 0€ | 0€ (Free) / 4.99€/Mo (Plus) / 9.99€/Mo (Premium) | |
| Trade Republic | 1€ pro Order | ✅ 0€ | 0€/Jahr | |
| Bitpanda | ~1.49 % spread | ✅ 0€ | 0€/Jahr |
| #1 | Scalable Capital | 2.400 | |
| #2 | Trade Republic | 2.200 | −200 vs #1 |
| #3 | Smartbroker+ | 2.000 | −400 vs #1 |
Conclusión: Scalable Capital lidera "Planes de ahorro ETF gratis" con 200 frente a Trade Republic.
What matters when choosing a broker for Plan de Ahorro en ETF
- Free savings-plan execution (0€ per installment)
- Minimum savings rate of €1 — low entry barrier
- Selection of 1,500+ ETFs including MSCI World and S&P 500
- Flexible execution intervals (monthly/biweekly)