Bester Neobroker garantiert günstige Gebühren und passende Features für jeden Anleger

Video: Bester Neobroker 2026? Trade Republic vs Scalable vs Trading 212 (+ zero & Smartbroker+)

Sep 28, 2026 · based on the channel Geldaura

Overview of the Best Neobrokers

Choosing the best neobroker depends on trading costs, available features like ETF savings plans, interest on idle cash, and supported assets including cryptocurrencies. Trade Republic, Scalable Capital, Trading 212, finanzen.net zero, and Smartbroker+ are the main contenders for 2026, each excelling in different categories.

All five brokers have adapted since the Payment for Order Flow (PFOF) ban in July 2026, which has reshaped fee structures, trading venues, and interest offerings.

Order Fees and Cost Efficiency

The core of any broker comparison lies in the actual cost of trading. For orders of 200 and 1,000 euros:

1. Trade Republic and finanzen.net zero often offer zero fees on standard orders without small order surcharges.
2. Scalable Capital applies no small order fees and is competitive for larger trades.
3. Trading 212 has introduced a tiered fee system, with some charges for smaller orders.
4. Smartbroker+ charges vary depending on the selected trading venue but remain competitive.

Notably, some brokers have completely eliminated small order surcharges, improving accessibility for investors with modest budgets.

ETF Savings Plans and Innovative Features

ETF savings plans are a popular method for long-term wealth building. The brokers differ in the number and variety of plans offered:

• Scalable Capital leads with the largest selection of ETFs and unique features such as Saveback (cashback on savings plans) and Pies (customizable ETF baskets).
• Trade Republic offers a solid range of free ETF savings plans, appealing to cost-conscious savers.
• finanzen.net zero and Smartbroker+ provide competitive options but fewer ETF varieties.
• Trading 212 supports ETF savings plans with additional tools but may have some fees.

These features can significantly impact the effectiveness and user experience of investment strategies.

Interest on Cash Balances

With the new regulatory environment post-PFOF ban, brokers have adjusted their interest schemes on cash:

• Some brokers now pay higher interest rates on cash balances, provided the funds meet certain conditions such as being held in specific accounts or tiers.
• Trade Republic and Scalable Capital offer attractive interest rates but require funds to be parked in certain subaccounts.
• Trading 212's interest offerings are more modest.

Investors holding substantial cash should consider these options to maximize returns on idle funds.

Trading Venues and Impact of the PFOF Ban

The PFOF prohibition has shifted trading venues towards more transparent and regulated exchanges:

• Brokers now route orders primarily through Xetra and other regulated exchanges, improving price fairness.
• Trade Republic and Smartbroker+ emphasize Xetra pricing,
• Scalable Capital and Trading 212 provide multi-venue access but with varying fees.

This increased transparency benefits investors but has led to some adjustments in fee structures.

Cryptocurrency Availability

Access to cryptocurrencies varies:

• Trading 212 offers a broad range of real cryptocurrencies with ownership.
• Trade Republic supports a limited set of major cryptos.
• Scalable Capital and others offer crypto-related products but may not provide direct ownership.

Investors interested in crypto should evaluate brokers’ offerings carefully.

Security, Taxes, and User Profiles

Security standards are uniformly high across all five brokers, with German deposit insurance and robust platforms.
Tax handling varies slightly but all provide necessary documents for tax filing.

Each broker suits different investor profiles:

• Trade Republic fits beginners and cost-sensitive investors.
• Scalable Capital is ideal for active savers and those valuing innovative features.
• Trading 212 appeals to crypto enthusiasts and international investors.

Useful Links

• Detailed comparison and registration: https://geldaura.com/vergleiche/beste-online-broker-2026/
• More independent finance and broker tests: https://geldaura.com/

Summary

Selecting the best neobroker depends on individual priorities: fees, ETF plans, interest on cash, or crypto access. Trade Republic, Scalable Capital, and Trading 212 each lead in distinct categories post-PFOF ban. For comprehensive details and personalized recommendations, visit GeldAura’s extensive broker comparison. This analysis is based on the video review by GeldAura dated September 2026.

Source: Bester Neobroker 2026? Trade Republic vs Scalable vs Trading 212 (+ zero & Smartbroker+) · Markdown version