Detailed comparison of all fees, features, and suitability — updated for 2026.
Comdirect est le meilleur choix pour Derivatives Trading, tandis que ING se distingue pour Casual Investors. Celui qui vous convient dépend de votre stratégie — le comparatif détaillé ci-dessous montre toutes les différences.
| Metric | Comdirect | ING | Difference |
|---|---|---|---|
| Order fee per trade | 9.90 € | 9.90 € | identical |
| 10y savings plan cost @ €100/month | 1.188 € | 1.188 € | identical |
| Free ETF savings plans | 150 | 0 | +150 more at Comdirect |
| Available exchanges | 1 | 5 | +4 more at ING |
| BMInsider rating | 3.7/5 | 3.5/5 | +0.2 at Comdirect |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Comdirect | ING | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 4.90€ + 0.25% (min 9.90€) | 4.90€ + 0.25% (min 9.90€) | Tie |
| ETF Savings Plan Fee | 1.5% | 1.75% | 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 | Comdirect | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Toutes les bourses allemandes + internationales | Xetra, Frankfurt, Négociation directe | ING |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Comdirect | ||
| Demo Account | Comdirect | ||
| Security & Regulation | |||
| Regulated by | BaFin | BaFin | Tie |
| Deposit Protection | 100.000€ | 100.000€ | Tie |
| Founded | 1994 | 1991 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Comdirect |
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 Comdirect →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Comdirect →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.
ING offers securities trading as part of its full banking service. For customers who want checking and brokerage under one roof.
Particularly suitable for: Clients de banque universelle, Investisseurs occasionnels, Plan d'épargne.
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 ING differentiates itself through "Banque universelle établie". Our rating: Comdirect 3.7/5, ING 3.5/5 — 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.
ING pulls ahead where "Banque universelle établie" is decisive. With a rating of 3.5/5 it covers a different investor profile than Comdirect — the question is whether that profile is yours. Note the limitation "Frais d'ordre élevés"; it does not affect every workflow, but where it does, plan around it. For everyone else, ING 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 ING 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 ING (3.5/5) — 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 "Banque universelle établie" matches yours, ING 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 ING.
For order fees, Comdirect leads at 4.90€ + 0.25% (min 9.90€), 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.
Comdirect is regulated by BaFin, ING by BaFin. Both fall under EU oversight. Deposit protection: Comdirect 100.000€, 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 Comdirect 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. Comdirect: 100.000€, ING: 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.
