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Guiding expats since 2014.
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Szybkie podsumowanie
Inwestowanie w akcje i fundusze ETF to najskuteczniejszy sposób na budowanie majątku podczas pobytu w Niemczech. Porównaliśmy najlepszych niemieckich maklerów oferujących aplikacje w języku angielskim.
Table of Contents
Dlaczego potrzebujesz niemieckiego maklera (a nie międzynarodowego)
Technically you can use international brokers, but you shouldn't. A local German broker handles all the taxes for you automatically.
Najlepsi maklerzy dla ekspatów w skrócie
1. Scalable Capital – Najlepszy wszechstronny makler dla ekspatów
Scalable Capital
Top Benefits
- Best English app for investing in Germany
- Over 7,000 stocks and 2,000 ETFs
- Attractive interest on cash balance
- Easy tax reporting for Germany
Keep in Mind
- Monthly fee for the 'PRIME' flatrate
Key Details
2. Trade Republic – Najprostsza obsługa
Trade Republic
Top Benefits
- Completely free savings plans (Sparpläne)
- High interest on uninvested cash
- Trade Republic Card with 1% Saveback
- Very simple and intuitive interface
Keep in Mind
- Limited complex trading features
- Web version is basic
Key Details
3. Commerzbank – Tradycyjna potęga
Commerzbank
Top Benefits
- Traditional bank with physical branches
- Free for students/interns under 27
- Excellent cash deposit infrastructure
- €50 sign-up bonus (conditions apply)
Keep in Mind
- €4.90 monthly fee (unless 50k€ assets)
- Customer service mostly in German
- Strict Anmeldung required
Key Details
4. Deutsche Bank – Globalne inwestycje premium
Deutsche Bank
Top Benefits
- Germany's largest global bank
- Free Junges Konto for students up to age 30
- World-class investment and wealth management
- Access to global ATM network
Keep in Mind
- Monthly fee from €6.90 (AktivKonto)
- Requires Schufa and residency in Germany
Key Details
Jak wybrać? (Model decyzyjny)
Scenario A
requiredYour Move: Open a Scalable Capital account.
Scenario B
requiredYour Move: Open a Trade Republic account.
Scenario C
requiredYour Move: Open a Commerzbank account.
Scenario D
requiredYour Move: Open a Deutsche Bank (maxblue) account.
O Oliverze
Założyciel expats.de, były doradca bankowy (Bankfachwirt IHK) z 12-letnim doświadczeniem i licencjonowany broker ubezpieczeniowy §34d. Od 2014 r. pomógł ponad 10 000 ekspatom. Przeczytaj całą historię →
Educational Notice & General Advice
This content is educational and reflects analysis based on our 11 years of market experience, our 200,000+ community insights, and current regulatory knowledge.
As a 34d-licensed insurance broker and experienced financial advisor, I provide this guidance in good faith. However, for personalized advice especially regarding insurance, mortgages, or tax-specific decisions—please consult with a qualified financial advisor or tax professional in your specific situation. Past expat experiences and historical market data do not guarantee identical results for your unique circumstances.
O Oliverze
Założyciel expats.de, były doradca bankowy (Bankfachwirt IHK) z 12-letnim doświadczeniem i licencjonowany broker ubezpieczeniowy §34d. Od 2014 r. pomógł ponad 10 000 ekspatom. Przeczytaj całą historię →
Educational Notice & General Advice
This content is educational and reflects analysis based on our 11 years of market experience, our 200,000+ community insights, and current regulatory knowledge.
As a 34d-licensed insurance broker and experienced financial advisor, I provide this guidance in good faith. However, for personalized advice especially regarding insurance, mortgages, or tax-specific decisions—please consult with a qualified financial advisor or tax professional in your specific situation. Past expat experiences and historical market data do not guarantee identical results for your unique circumstances.