ETF savings plan comparison

All fees, promotional offers and providers in the test.

thomas image
 We have analysed the best ETF savings plan offers. Here are the results.
Dr Thomas Letsche, justETF broker expert

Number of brokers: 7

Number of brokers: 7

Trade Republic

Costs 15/15

Savings plan offer 20/20

Savings plan terms 14.6/17

Total 49.6/52

recommended by justETF
Savings plan fee: 0.00 €
Account fee: 0.00 €
Savings plans (all free): 2,111
  • Totally free PACs
  • Debit card included: Cashback and rounding function on purchases
  • Administered regime: Automatic tax management by the broker
Fee for 100 € ETF savings plan

0.00 €

Scalable Capital**

Costs 15/15

Savings plan offer 20/20

Savings plan terms 13.6/17

Total 48.6/52

recommended by justETF
Savings plan fee: 0.00 €
Account fee: 0.00 €
Savings plans (all free): 2,232
  • Free PACs: No fees for opening or managing accumulation plans
  • Customer service in Italian, available via chat and e-mail for fast and comprehensive assistance
  • Interest on non-invested cash
Fee for 100 € ETF savings plan

0.00 €

Fineco Bank

Costs 10/15

Savings plan offer 15.5/20

Savings plan terms 11.2/17

Total 36.7/52

tested by justETF
Savings plan fee: 2.95 €
Account fee: 0.00 €
Savings plans: 2,590
Free savings plans: 702
  • Integrated banking services (not mandatory): Current account, cards, loans and optional services
  • Tax withholding agent: automatic taxation, ideal for Italian residents
  • Fast and qualified assistance via telephone, chat and digital channels for banking and investment transactions
Fee for 100 € ETF savings plan

2.95 €

Directa

Costs 15/15

Savings plan offer 9.5/20

Savings plan terms 10.8/17

Total 35.3/52

tested by justETF
Savings plan fee: 0.00 €
Account fee: 0.00 €
Savings plans (all free): 693
  • Wide choice of markets and instruments: Equities, ETFs, bonds, derivatives, and more
  • User experience less modern compared to leading fintech operators
Fee for 100 € ETF savings plan

0.00 €

Moneyfarm

Costs 7.5/15

Savings plan offer 12/20

Savings plan terms 10/17

Total 29.5/52

tested by justETF
Savings plan fee: 3.95 €
Account fee: 0.00 €
Savings plans: 1,166
Free savings plans: 409
  • Tax withholding agent: Tax management under administered regime
  • Selected ETFs with purchase cost reimbursement
  • Limited ETF offer: Less choice than competitors
Fee for 100 € ETF savings plan

3.95 €

Saxo Bank

Costs 15/15

Savings plan offer 3.5/20

Savings plan terms 10.4/17

Total 28.9/52

tested by justETF
Savings plan fee: 0.00 €
Account fee: 0.00 €
Savings plans (all free): 198
  • Broad offer: Equities, ETFs, bonds, options, futures, CFDs and more
  • Italian supervised SIM: Tax management under administration (withholding agent)
  • Selection of ETFs available for PACs without charge
Fee for 100 € ETF savings plan

0.00 €

Interactive Brokers

Costs 10/15

Savings plan offer 10/20

Savings plan terms 8.2/17

Total 28.2/52

tested by justETF
Savings plan fee: 0.05 %
Account fee: 0.00 €
Savings plans: 3,000
Free savings plans: 0
  • Extended access to global markets: equities, options, futures, currencies, bonds, over 100 markets worldwide
  • Comprehensive platform for experienced investors
  • No withholding agent: tax management totally at the expense of the Italian user.
Fee for 100 € ETF savings plan

3.00 €

— The data was last updated on 2 December 2025
— The sorting by test result is done in the following order: 1. test result (points) 2. fee per savings rate 3. number of ETF savings plans.
— In addition to the fees charged by online brokers, additional costs may apply. The stated fees are thus exclusive of standard market spreads, commissions, product costs and third-party fees.
— Please note: No guarantee can be given for the completeness, correctness and accuracy of the content listed. The information on the online brokers' homepages is decisive. Investments in securities involve risks.

* You want to open a securities account? If you use one of the affiliate links marked with an asterisk or the broker logos as a starting point, we will receive a commission. This is how we finance much of our free information offering. If you like our work, we appreciate your support!
** Important note: We are part of the Scalable Group since 2021 and are a wholly owned subsidiary of Scalable GmbH. In order to avoid conflicts of interest as far as possible, we have always applied neutral, objectively verifiable criteria to all comparisons, articles and tests, and attach great importance to YOU alone deciding how and with whom you invest. You can view these criteria in our .