11 Years Experience
Guiding expats since 2014.
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§34d certified broker.
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Краткое резюме
Инвестирование в акции и ETF — самый эффективный способ приумножения капитала в Германии. Мы сравнили ведущих немецких брокеров с английским интерфейсом.
Table of Contents
Почему вам нужен немецкий брокер (а не международный)
Technically you can use international brokers, but you shouldn't. A local German broker handles all the taxes for you automatically.
Лучшие брокеры для экспатов: краткий обзор
1. Scalable Capital – Лучший универсальный брокер для экспатов
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 – Самый простой пользовательский опыт
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 – Традиционный гигант
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 – Глобальные инвестиции премиум-класса
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
Как выбрать? (Алгоритм принятия решения)
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.
Об Оливере
Основатель expats.de, бывший банковский консультант (Bankfachwirt IHK) с 12-летним опытом и лицензированный страховой брокер §34d. С 2014 года он помог более 10 000 экспатам. Читать историю Оливера →
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.
Об Оливере
Основатель expats.de, бывший банковский консультант (Bankfachwirt IHK) с 12-летним опытом и лицензированный страховой брокер §34d. С 2014 года он помог более 10 000 экспатам. Читать историю Оливера →
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.