ING€4.90 base fee + 0.25% of order value (max. €69.90)
- Published fee
- €4.90 base fee + 0.25% of order value (max. €69.90)
- Minimum deposit
- 0 €
Broker comparison
ING vs.
Postbank
Which broker fits your needs?
Platforms, products and fees side by side.
Updated: October 2026
See comparisonING
PostbankVS
Summary
Your goal decides.
In securities, ING (4.3/5) is the cheaper and more modern of the two banks: a €4.90 base fee plus 0.25% of order value, capped at €69.90, more than 800 free ETF savings plans and around 30 ms execution via Xetra Direct. Postbank (3.6/5) charges from €9.95 per order and a €12.90 annual custody fee while the account holds less than €50,000, but scores with a wide branch network for personal advice. Neither trades options. For online-only investors ING is the better choice; for customers who want advice in a branch, Postbank.
INGGermany's largest direct bank with integrated brokerage
PostbankSecurities trading at one of Germany's best-known banks
At a glance
The key differences
| Criterion | ING | Postbank |
|---|---|---|
| Platforms | ING Banking App, ING Web Depot | Postbank Web, Postbank App |
| Product types | Stocks, ETFs, Funds, Bonds, Derivatives | Stocks, ETFs, Bonds, Funds |
| Options trading | No, no options trading | No |
| Fee model | €4.90 base fee + 0.25% of order value (max. €69.90) | Custody fee €12.90/year (free from €50,000), order fee from €9.95 |
| Minimum deposit | 0 € | 0 € |
| Regulation | BaFin | BaFin |
| More information | Details | Details |
Platforms
ING
ING Banking App, ING Web Depot
Postbank
Postbank Web, Postbank App
Product types
ING
Stocks, ETFs, Funds, Bonds, Derivatives
Postbank
Stocks, ETFs, Bonds, Funds
Options trading
ING
No, no options trading
Postbank
No
Fee model
ING
€4.90 base fee + 0.25% of order value (max. €69.90)
Postbank
Custody fee €12.90/year (free from €50,000), order fee from €9.95
Minimum deposit
ING
0 €
Postbank
0 €
Regulation
ING
BaFin
Postbank
BaFin
Product access and costs depend on market, account and permissions.
Detailed comparison
Comparing fees
Compare total costs, not just the order fee.
INGPostbankCustody fee €12.90/year (free from €50,000), order fee from €9.95
- Published fee
- Custody fee €12.90/year (free from €50,000), order fee from €9.95
- Minimum deposit
- 0 €
The relevant costs depend on market, currency, order size and trading style.
Execution quality
Order type, venue and liquidity affect execution.
INGCheck the provider’s execution policy and available order types for your account.
Provider informationPostbankCheck the provider’s execution policy and available order types for your account.
Provider informationProduct range
INGStocksETFsFundsBondsDerivatives
PostbankStocksETFsBondsFunds
Categories come from broker profiles. Check specific markets and permissions before deciding.
Trading platforms
INGING Banking App · ING Web Depot
ING provides the ING Banking App and the ING Web Depot. The Banking App combines all banking and brokerage functions in one application, offering mobile trading with real-time prices, order placement, and savings plan management. The ING Web Depot in the browser provides detailed portfolio overviews, chart views, and comprehensive order masks. Both platforms are known for their intuitive operation and support common order types such as limit, stop, and market orders.
Explore platformPostbankPostbank Web · Postbank App
Postbank offers its customers two trading platforms: Postbank Web and the Postbank App. The web platform enables classic securities trading through the browser with order placement, portfolio overview, and price queries. The mobile app provides the same basic functions on the go. Both platforms are functional but visually and technically less advanced compared to modern neobrokers. However, for savings plan users and occasional investors, the features are entirely sufficient.
Explore platformRegulation does not prevent market losses. The relevant authority depends on the contracting entity.
Your investor profile
Who might it suit?
INGGermany's largest direct bank with integrated brokerage
- Full bank with checking account and brokerage
- Over 800 free ETF savings plans
- Excellent customer service
- Higher order fees than neobrokers
- No options trading
PostbankSecurities trading at one of Germany's best-known banks
- BaFin-regulated traditional German bank
- Wide branch network for personal advice
- Deposit protection up to €100,000
- Comparatively high order fees
- Custody fee for small portfolios
Find the broker that fits
ING oder Postbank?
Side by side. Decided with knowledge.
See the differences that matter, and the Academy lessons that explain them.
VS
- Fees
- Platform
- Regulation
- Matching lessons
Two brokers. Many options. Your call.
In-depth analysis
Entry and fees: Neither asks for a minimum deposit, and both are traditional, BaFin-regulated banks with a securities account. On costs, though, they part ways. ING charges a €4.90 base fee plus 0.25% of order value, at most €69.90 per order; no custody fee is listed in its record. Postbank quotes an order fee from €9.95 plus a custody fee of €12.90 a year, which only falls away from €50,000 in the account. For smaller portfolios — the typical starting point for anyone searching for a Postbank brokerage account — ING is therefore ahead twice over: a cheaper entry-level order and no listed annual fee. On savings plans, ING states more than 800 free ETF savings plans, Postbank savings plans on ETFs and funds without a cost figure.
Products and platforms: ING trades stocks, ETFs, funds, bonds and derivatives; Postbank stocks, ETFs, bonds and funds. Neither offers options, and neither offers crypto — ING even lists that as a drawback. ING trades through its banking app and web depot, Postbank through web and app; Postbank itself concedes that its online platform is less modern than those of neobrokers. On execution ING quotes around 30 ms via Xetra Direct, Postbank, as part of Deutsche Bank, around 80 ms via Xetra and Tradegate.
Profile and verdict: ING (4.3/5 from 2,100 reviews) was founded in 1965 and sits in Frankfurt; as a full bank it combines current account and brokerage and is praised for its customer service. Postbank (3.6/5 from 1,200 reviews) has existed since 1909, sits in Bonn, offers deposit protection up to €100,000 and a wide branch network. If you run your account online and watch costs, ING is clearly the better home. Postbank mainly makes sense for customers who want personal advice in a branch or who invest more than €50,000 anyway.
Your questions
Frequently asked questions
How do fees differ between ING and Postbank?
ING: €4.90 base fee + 0.25% of order value (max. €69.90). Postbank: Custody fee €12.90/year (free from €50,000), order fee from €9.95. Compare total costs for the specific market, product, currency and order size in the current fee schedule.
Which broker offers more products: ING or Postbank?
ING offers Stocks, ETFs, Funds, Bonds, Derivatives. Postbank offers Stocks, ETFs, Bonds, Funds.
How are ING and Postbank regulated?
The broker profiles list BaFin for ING and BaFin for Postbank. Your account's contracting entity determines the applicable oversight and protection rules; check its current disclosures.
Is ING or Postbank better for beginners?
ING lists a 0 € minimum deposit and offers ING Banking App, ING Web Depot. Postbank lists 0 € and offers Postbank Web, Postbank App. Compare usability, available products and costs for your intended use.
ING vs Postbank: Which broker is better overall?
The choice between ING (4.3/5, 2100 reviews) and Postbank (3.6/5, 1200 reviews) depends on your needs. ING: Germany's largest direct bank with integrated brokerage. Postbank: Securities trading at one of Germany's best-known banks.
Your next step
Your next step
INGGermany's largest direct bank with integrated brokerage
Open accountRead reviewPostbankSecurities trading at one of Germany's best-known banks
Open accountRead reviewKeep learning
Before you pick a broker
The guides worth reading before your first trade, whichever of the two you choose.