Detailed comparison of all fees, features, and suitability — updated for 2026.
Comdirect est le meilleur choix pour Full-Service Bank Customers, tandis que Flatex se distingue pour Austrian Investors. Celui qui vous convient dépend de votre stratégie — le comparatif détaillé ci-dessous montre toutes les différences.
| Metric | Comdirect | Flatex | Difference |
|---|---|---|---|
| Order fee per trade | 9.90 € | 5.90 € | 4.00 € cheaper at Flatex |
| 10y savings plan cost @ €100/month | 1.188 € | 708 € | 480 € cheaper at Flatex |
| Free ETF savings plans | 150 | 0 | +150 more at Comdirect |
| Available exchanges | 1 | 6 | +5 more at Flatex |
| BMInsider rating | 3.7/5 | 3.8/5 | +0.1 at Flatex |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Comdirect | Flatex | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 4.90€ + 0.25% (min 9.90€) | 5.90€ + frais de bourse | Flatex |
| ETF Savings Plan Fee | 1.5% | 1.50€ | Tie |
| Account Fee | 0€ (avec activité) / 1.95€/mois sinon | 0€/an | Tie |
| Minimum Deposit | 0€ | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | Tie | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Toutes les bourses allemandes + internationales | Xetra, Frankfurt, Vienne | Flatex |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Comdirect | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | BaFin | BaFin / FMA | Tie |
| Deposit Protection | 100.000€ | 100.000€ | Tie |
| Founded | 1994 | 2006 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Flatex |
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 Flatex →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Flatex →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Comdirect →Comdirect is a full-service bank with comprehensive securities offerings. For investors who want everything from one provider.
Particularly suitable for: Clients de banque universelle, Trading de dérivés, Investisseurs expérimentés.
Flatex is especially popular in Austria as a tax-simple broker with access to many exchanges and derivatives.
Particularly suitable for: Investisseurs autrichiens, Trading d'options, Nombreuses bourses.
Both brokers are EU-regulated and aim at retail investors, but their fee models, asset coverage and target audiences diverge sharply. Comdirect stands out with "Banque universelle avec compte courant" while Flatex differentiates itself through "Nombreuses places de marché". Our rating: Comdirect 3.7/5, Flatex 3.8/5 — but the better choice depends on your trading frequency, asset class and tax residency. The sections below break down where each broker wins.
Comdirect's edge shows up clearest where its strengths matter most: "Banque universelle avec compte courant" makes it the natural fit for investors who prioritise exactly that. Pair it with its rating of 3.7/5 and you have a broker that delivers when the use case lines up. The trade-off — "Frais plus élevés que les néo-courtiers" — only bites if it touches your workflow. If it does not, Comdirect is the cleaner pick.
Flatex pulls ahead where "Nombreuses places de marché" is decisive. With a rating of 3.8/5 it covers a different investor profile than Comdirect — the question is whether that profile is yours. Note the limitation "Frais d'ordre plus élevés"; it does not affect every workflow, but where it does, plan around it. For everyone else, Flatex delivers a sharper edge than the comparison fees alone suggest.
For German residents both brokers withhold the Abgeltungssteuer (25% + Soli + church tax) automatically when they are registered as a German tax intermediary; if not, gains must be declared via Anlage KAP. Austrian investors need a "steuereinfacher" broker to avoid the manual E1kv form — check each broker's status. Swiss residents settle gains via the annual Steuererklärung regardless; only Verrechnungssteuer is withheld at source for CH-listed names. Compare exemption order (Freistellungsauftrag) limits and Steuerbescheinigung delivery timing before deciding.
Take a realistic mid-sized portfolio: €5,000 invested, one trade per month over a year, plus a quarterly rebalance. On Comdirect the dominant cost driver is order commission plus any FX conversion if you buy US stocks. On Flatex the model differs — depending on the listing venue and whether savings plans are free, your annual carry can land 30-70% below or above the alternative. The honest answer: run your own use-case through each broker's fee calculator before committing. The headline rates rarely tell the full story once spreads, FX and inactivity fees are stacked.
There is no universal winner between Comdirect (3.7/5) and Flatex (3.8/5) — the right broker is the one whose strengths align with your three or four highest-priority use cases. If "Banque universelle avec compte courant" matches yours, Comdirect is the cleaner pick. If "Nombreuses places de marché" matches yours, Flatex pulls ahead. Open both demo accounts before committing real capital; ten minutes in each interface tells you more than any review.
Answers to the most common questions about Comdirect vs Flatex.
For order fees, Flatex leads at 5.90€ + Börsengebühr, while Comdirect 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.
Comdirect is regulated by BaFin, Flatex by BaFin / FMA. Both fall under EU oversight. Deposit protection: Comdirect 100.000€, Flatex 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 Comdirect nor Flatex 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. Comdirect: 100.000€, Flatex: 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.
