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+ ofrece operaciones gratuitas a partir de un volumen de orden de 500 € y acceso gratuito a Xetra. Un fuerte competidor de Trade Republic.
justTRADE
Free ETF savings plan
justTRADE ofrece operaciones totalmente gratuitas a partir de un volumen de orden de 500 €. Uno de los brókeres más baratos de Alemania.
Scalable Capital
Free ETF savings plan
Scalable Capital ofrece un modelo de tarifa plana desde 4,99 €/mes para operaciones ilimitadas. Con acceso a Xetra y planes de ahorro gratuitos, una buena opción para inversores activos.
Trade Republic
Free ETF savings plan
Trade Republic es un neobróker alemán con comisiones extremadamente bajas (1 € por operación) y planes de ahorro en ETF gratuitos. Ideal para principiantes e inversores con planes de ahorro.
Bitpanda
Free ETF savings plan
Bitpanda es la mayor plataforma de criptomonedas de Austria, fundada en Viena en 2014. Regulada por la FMA austriaca y la BaFin alemana, con planes de ahorro y una oferta integrada de acciones/ETF/metales, aunque con comisiones más altas que las bolsas de cripto puras.
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)