5 regulierte Anlageplattformen in Germany (2026)

Vergleichen Sie lizenzierte Plattformen, die Einwohnern von Germany offenstehen. Unabhängige Bewertungen, transparente Gebühren, kein Konto nötig.

Aufsichtsbehörde: BaFin
Währung: EUR
Hebelgrenze für Privatkunden: 1:30
verfügbare Plattformen: 5

German brokers must apply the Abgeltungsteuer automatically, which makes tax reporting simpler for residents.

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Comparison table

#				Gebühren	Regulated by	Anlageklassen	CFD loss	Actions
1	Veltra InvestNeo-broker (cash equities)	8.7	$1	€1 flat per trade, free recurring plans	AFM, DNB	StocksETFsBondsCrypto	—	Zur Plattform Vergleichen
2	Northgate MarketsMulti-asset broker	8.6	$50	Commission-free shares, spreads from 0.6 pips	FCA, CySEC, ASIC	StocksETFsForexIndices+2	68%	Zur Plattform Vergleichen
3	Meridian BrokersFull-service broker	8.3	None	€4.90 + 0.25% per order, capped at €69	BaFin, CySEC	StocksETFsBondsOptions+2	—	Zur Plattform Vergleichen
4	Orbit CapitalSocial trading platform	8.2	$100	Zero commission, spreads from 1.0 pip	CySEC, FSA	StocksETFsForexIndices+2	74%	Zur Plattform Vergleichen
5	Halden & CoWealth manager & brokerage	8.1	$10,000	0.35% p.a. custody + 0.15% per trade	FINMA, BaFin, DFSA	StocksETFsBondsFunds+2	—	Zur Plattform Vergleichen

Im Detail: alle Plattformen für Germany

Veltra Invest

Neo-broker (cash equities) · Amsterdam, Netherlands

8.7 Excellent

Veltra Invest is built for people who want to put money to work every month without thinking about it. It is not a trading platform, and it does not pretend to be one.

Germany: served under the AFM licence (Netherlands), also authorised by DNB. Minimum deposit $1. €1 flat per trade, free recurring plans.

Pros

Extremely low cost for buy-and-hold
Automatic monthly investing into ETFs or stocks
Interest paid on idle cash

Cons

No demo account
Limited to EU-listed venues for some instruments
No advanced order types

What we found in testing

Who it suits

Beginners and passive investors. If your plan is a global ETF every payday plus a handful of individual companies, Veltra is hard to beat on price.

Costs in practice

A single euro per order, nothing for scheduled savings plans, and no custody or inactivity fees. Currency conversion on US shares is charged at a transparent 0.25%.

Platform and tools

The app is deliberately simple. You get portfolio breakdowns, dividend tracking and a savings-plan builder. What you do not get is level-2 data, options or margin.

Safety

Securities are held with a regulated custodian and cash is placed with partner banks covered by the Dutch deposit guarantee scheme.

Northgate Markets

Multi-asset broker · London, United Kingdom

8.6 Excellent

Northgate Markets is the platform we point most first-time comparers to when they want one account that can hold long-term share positions and still trade short-term CFDs.

Germany: served under the FCA licence (United Kingdom), also authorised by CySEC, ASIC. Minimum deposit $50. Commission-free shares, spreads from 0.6 pips.

Pros

Strong three-regulator footprint
Wide instrument range for a retail broker
Fast, well-designed mobile app

Cons

Inactivity fee kicks in after one year
Research tools are thinner than a full-service broker

What we found in testing

Who it suits

Investors who want to buy real shares and ETFs but occasionally hedge or speculate with leverage. The two account types sit side by side and share a single funding wallet, so there is no juggling of transfers.

Costs in practice

Share dealing is commission-free with a small FX conversion fee on non-base-currency stocks. CFD spreads are mid-pack: not the tightest we have seen, but there are no hidden platform fees. The inactivity charge only matters if you walk away for a year.

Platform and tools

The proprietary web platform is quick and clean, and power users can route orders through MetaTrader 4/5 or TradingView. Charting, alerts and a basic screener are all included at no cost.

Safety

Client money is held in segregated accounts and retail clients are covered by negative balance protection in every jurisdiction where Northgate is licensed.

Meridian Brokers

Full-service broker · Frankfurt, Germany

8.3 Very good

Meridian is the closest thing to a traditional bank brokerage on our list, with the depth of product and the price tag to match.

Germany: served under the BaFin licence (Germany), also authorised by CySEC. Minimum deposit None. €4.90 + 0.25% per order, capped at €69.

Pros

Widest instrument coverage on this list
Serious research and analyst notes
Personal phone support that picks up

Cons

Per-order fees add up for small trades
Desktop platform has a learning curve
No CFDs or crypto

What we found in testing

Who it suits

Investors with larger portfolios who want bonds, options and access to less common exchanges, and who value speaking to a human.

Costs in practice

The percentage fee is capped, so large orders are competitive, but a €500 ETF purchase costs roughly €6. Savings plans on a curated ETF list are free, which softens the blow for regular investors.

Platform and tools

The desktop terminal is powerful and dense. The mobile app covers the essentials. Research, earnings calendars and bond screeners are included for all clients.

Safety

BaFin supervision, German deposit protection on cash, and securities held in the client's own name at a domestic custodian.

Orbit Capital

Social trading platform · Limassol, Cyprus

8.2 Very good

Orbit Capital turns investing into something you do with other people. The copy-trading engine is the headline, but the free academy is the reason many users stay.

Germany: served under the CySEC licence (European Union), also authorised by FSA. Minimum deposit $100. Zero commission, spreads from 1.0 pip.

Pros

Best-in-class education for beginners
Transparent copy-trader statistics
Fractional stock and crypto positions

Cons

Wider spreads than specialist brokers
Fees on withdrawals and inactivity
International entity offers weaker protections

What we found in testing

Who it suits

Beginners who want guidance and a community, and people who would rather allocate to a handful of vetted traders than manage every position themselves.

Costs in practice

You pay through the spread rather than a commission. That is convenient but not cheap: expect about a pip on EUR/USD and up to 1% on crypto. Copying a trader carries no extra charge.

Platform and tools

The interface is social-media-like, with feeds, comments and follow buttons. Risk scores for each copied trader are recalculated daily and you can cap losses per copy relationship.

Safety

EU clients sit under the CySEC entity with investor compensation cover. Clients onboarded through the Seychelles entity get higher leverage but less protection; we recommend the EU entity where available.

Halden & Co

Wealth manager & brokerage · Zürich, Switzerland

8.1 Very good

Halden & Co is the option for people whose priority is safekeeping rather than cost. It is expensive for small accounts and excellent for everything else.

Germany: served under the FINMA licence (Switzerland), also authorised by BaFin, DFSA. Minimum deposit $10,000. 0.35% p.a. custody + 0.15% per trade.

Pros

Highest level of client protection on our list
Multi-currency accounts with competitive FX
Estate and tax planning support

Cons

CHF 10,000 minimum
Custody fee makes it costly for small balances
No leveraged trading or crypto

What we found in testing

Who it suits

Investors with six-figure portfolios, expatriates who need multi-currency custody, and anyone who wants an advisor they can actually call.

Costs in practice

A 0.35% annual custody fee plus 0.15% per trade. On CHF 100,000 that is CHF 350 a year before trading, which is a lot compared with the neo-brokers above but includes reporting, tax statements and advice.

Platform and tools

The client portal is functional rather than flashy. Performance reporting, consolidated tax documents and a research library are the strengths; charting is basic.

Safety

Swiss securities are segregated and would be returned to clients even in a bankruptcy. Cash benefits from the Swiss depositor protection scheme up to CHF 100,000.

Fragen von Anlegern in Germany

Which regulator protects investors in Germany?

The primary supervisor is the Bundesanstalt für Finanzdienstleistungsaufsicht. Firms may also serve residents of Germany under a passport or cross-border permission from another recognised regulator; our listings note which licence applies to you.

Can I deposit in EUR?

Most platforms listed for Germany accept EUR deposits by card or bank transfer. If a platform only holds accounts in USD or EUR, a conversion fee applies each time you fund or withdraw, so check the platform's fee page.

Do I have to pay tax on profits in Germany?

In most cases yes, on realised gains and on dividends. Some countries apply withholding automatically at domestic brokers; with foreign brokers you usually self-report. Our tax basics guide explains what records to keep, and a local adviser can confirm your position.

What is the difference between a demo and a live account?

A demo account uses virtual money and real prices so you can learn the platform without risk. A live account uses your deposit. We recommend at least a couple of weeks on a demo before funding.

How do I know a platform is really licensed?

Find the legal entity name in the platform's footer and search it on the Bundesanstalt für Finanzdienstleistungsaufsicht register or the register of the regulator named in our listing. Never trust a screenshot of a licence.

What does the "retail accounts lose money" figure mean?

Regulators require CFD providers to publish the share of retail clients who lost money over the previous year. It applies to leveraged products only. We show it beside every platform that offers CFDs so you can see the risk before you click.

Can I hold real shares, or only CFDs?

It depends on the platform. Our listing shows the asset classes each one offers and whether they are cash securities or derivatives. Long-term investors should look for real shares and ETFs.

What happens to my money if the platform fails?

Client money at a regulated firm is held separately from company funds, so it is not used to pay the firm's creditors. Most jurisdictions also run an investor compensation scheme with a per-client limit. Check the limit that applies in Germany.

Nearby countries

🇦🇹 Austria 🇧🇪 Belgium 🇨🇿 Czechia 🇩🇰 Denmark 🇫🇮 Finland 🇫🇷 France