Detailed comparison of all fees, features, and suitability — updated for 2026.
Interactive Brokers est le meilleur choix pour Professionals, tandis que Trade Republic se distingue pour Beginners. Celui qui vous convient dépend de votre stratégie — le comparatif détaillé ci-dessous montre toutes les différences.
| Metric | Interactive Brokers | Trade Republic | Difference |
|---|---|---|---|
| Order fee per trade | 1.00 € | 1.00 € | identical |
| 10y savings plan cost @ €100/month | 120 € | 0 € | 120 € cheaper at Trade Republic |
| Interest on €10,000 cash (1 year) | 4.33 % = 433 € | 3.25 % = 325 € | +108 € more at Interactive Brokers / year |
| Free ETF savings plans | 0 | 2.200 | +2.200 more at Trade Republic |
| Available exchanges | 1 | 1 | identical |
| BMInsider rating | 4.5/5 | 4.3/5 | +0.2 at Interactive Brokers |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Interactive Brokers | Trade Republic | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | $0.005/action (min $1) ou Fixed $1 | 1€ par ordre | Tie |
| ETF Savings Plan Fee | - | 0€ | Trade Republic |
| Account Fee | 0€/an | 0€/an | Tie |
| Minimum Deposit | 0€ | 0€ | Tie |
| Interest on Cash | bis 4.33% (USD) | 3.25% | Interactive Brokers |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | Tie | ||
| Options | Interactive Brokers | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | 150+ bourses dans 33 pays | LS Exchange | Tie |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Interactive Brokers | ||
| Demo Account | Interactive Brokers | ||
| Security & Regulation | |||
| Regulated by | SEC / FCA / BaFin | BaFin | Tie |
| Deposit Protection | $500.000 (SIPC) | 100.000€ | Tie |
| Founded | 1978 | 2015 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Interactive Brokers |
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 Interactive Brokers →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Interactive Brokers →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Trade Republic →Interactive Brokers is the professional's choice with access to 150+ exchanges, all product classes, and the lowest fees for active traders.
Particularly suitable for: Professionnels, Traders actifs, Investisseurs internationaux, Trading d'options.
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.
Particularly suitable for: Débutants, Investisseurs en plan d'épargne, Mobile-First.
Both brokers are EU-regulated and aim at retail investors, but their fee models, asset coverage and target audiences diverge sharply. Interactive Brokers stands out with "150+ bourses" while Trade Republic differentiates itself through "1 € par transaction". Our rating: Interactive Brokers 4.5/5, Trade Republic 4.3/5 — but the better choice depends on your trading frequency, asset class and tax residency. The sections below break down where each broker wins.
Interactive Brokers's edge shows up clearest where its strengths matter most: "150+ bourses" makes it the natural fit for investors who prioritise exactly that. Pair it with its rating of 4.5/5 and you have a broker that delivers when the use case lines up. The trade-off — "Plateforme complexe" — only bites if it touches your workflow. If it does not, Interactive Brokers is the cleaner pick.
Trade Republic pulls ahead where "1 € par transaction" is decisive. With a rating of 4.3/5 it covers a different investor profile than Interactive Brokers — the question is whether that profile is yours. Note the limitation "Une seule bourse (LS Exchange)"; it does not affect every workflow, but where it does, plan around it. For everyone else, Trade Republic 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 Interactive Brokers the dominant cost driver is order commission plus any FX conversion if you buy US stocks. On Trade Republic 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 Interactive Brokers (4.5/5) and Trade Republic (4.3/5) — the right broker is the one whose strengths align with your three or four highest-priority use cases. If "150+ bourses" matches yours, Interactive Brokers is the cleaner pick. If "1 € par transaction" matches yours, Trade Republic 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 Interactive Brokers vs Trade Republic.
For order fees, Interactive Brokers leads at $0.005/Aktie (min $1) oder Fixed $1, while Trade Republic charges 1€ pro Order. Note: with CFD brokers, spreads add hidden cost — the lower nominal price isn't always cheaper overall.
Interactive Brokers is regulated by SEC / FCA / BaFin, Trade Republic by BaFin. Both fall under EU oversight. Deposit protection: Interactive Brokers $500.000 (SIPC), Trade Republic 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.
Trade Republic offers free ETF savings plans from 1€. If a savings plan matters to you, that's a clear edge.
Both are covered under their home regulator's deposit protection. Interactive Brokers: $500.000 (SIPC), Trade Republic: 100.000€. Securities are held in segregated accounts and protected in case of broker insolvency.
Interactive Brokers leads on cash interest at 4.33%. Watch the conditions — some brokers require a paid plan or cap the amount.
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.
