Detailed comparison of all fees, features, and suitability — updated for 2026.
ING is the better choice for Full-Service Bank Customers, while Trade Republic wins for Beginners. 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 | ING | Trade Republic | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 4.90€ + 0.25% (min 9.90€) | 1€ per Order | Trade Republic |
| ETF Savings Plan Fee | 1.75% | 0€ | Trade Republic |
| Account Fee | 0€/Year | 0€/Year | Tie |
| Minimum Deposit | 0€ | 0€ | Tie |
| Interest on Cash | 0% | 3.25% | Trade Republic |
| Product Range | |||
| Azioni | Tie | ||
| ETFs | Tie | ||
| Crypto | Trade Republic | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Trade Republic | ||
| Number of Exchanges | Xetra, Frankfurt, Direkthandel | LS Exchange | ING |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | BaFin | BaFin | Tie |
| Deposit Protection | 100.000€ | 100.000€ | Tie |
| Founded | 1991 | 2015 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Trade Republic |
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 Trade Republic →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Trade Republic →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Trade Republic →ING offers securities trading as part of its full banking service. For customers who want checking and brokerage under one roof.
Particularly suitable for: Full-Service Bank Customers, Casual Investors, Savings Plan.
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: Beginners, Savings Plan Investors, Mobile-First.
Answers to the most common questions about ING vs Trade Republic.
For order fees, Trade Republic leads at 1€ pro Order, 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.
ING is regulated by BaFin, Trade Republic by BaFin. Both fall under EU oversight. Deposit protection: ING 100.000€, 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. ING: 100.000€, Trade Republic: 100.000€. Securities are held in segregated accounts and protected in case of broker insolvency.
Trade Republic leads on cash interest at 3.25%. 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.
