Detailed comparison of all fees, features, and suitability — updated for 2026.
Comdirect is the better choice for Full-Service Bank Customers, while Flatex wins for Austrian Investors. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
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€ + Börsengebühr | Flatex |
| ETF Savings Plan Fee | 1.5% | 1.50€ | Tie |
| Account Fee | 0€ (with activity) / 1.95€/Month otherwise | 0€/Year | Tie |
| Minimum Deposit | 0€ | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Azioni | Tie | ||
| ETFs | Tie | ||
| Crypto | Tie | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Alle deutschen + internationale Börsen | Xetra, Frankfurt, Wien | 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: Full-Service Bank Customers, Derivatives Trading, Experienced Investors.
Flatex is especially popular in Austria as a tax-simple broker with access to many exchanges and derivatives.
Particularly suitable for: Austrian Investors, Options Trading, Many Exchanges.
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.
