N26 Trading€0 commission (included in N26 Metal), spread-based
- Published fee
- €0 commission (included in N26 Metal), spread-based
- Minimum deposit
- 1 €
- Spread figure
- Stocks/ETFs from €0.90 (10 free trades/month with Metal plan), crypto spread ~1.5%
Broker comparison
N26 Trading vs.
OpenBank
Which broker fits your needs?
Platforms, products and fees side by side.
Updated: October 2026
See comparisonN26 Trading
OpenBankVS
Summary
Your goal decides.
OpenBank offers 4 instrument types, while N26 Trading offers 2. The minimum deposit is lower at OpenBank with 0 €. N26 Trading is BaFin-regulated, while OpenBank is supervised by BdE/CNMV. OpenBank has been in the market since 1995, making it the more experienced provider.
N26 TradingGerman neobank with integrated stock trading
OpenBankDigital bank of the Santander Group with investment features
At a glance
The key differences
| Criterion | N26 Trading | OpenBank |
|---|---|---|
| Platforms | N26 App | OpenBank Web, OpenBank App |
| Product types | Stocks, ETFs | Stocks, ETFs, Funds, Robo-Advisory |
| Options trading | No | No |
| Fee model | €0 commission (included in N26 Metal), spread-based | Funds with no buy/sell fees, roboadvisor from 0.49% p.a. |
| Minimum deposit | 1 € | 0 € |
| Regulation | BaFin | BdE/CNMV |
| More information | Details | Details |
Platforms
N26 Trading
N26 App
OpenBank
OpenBank Web, OpenBank App
Product types
N26 Trading
Stocks, ETFs
OpenBank
Stocks, ETFs, Funds, Robo-Advisory
Options trading
N26 Trading
No
OpenBank
No
Fee model
N26 Trading
€0 commission (included in N26 Metal), spread-based
OpenBank
Funds with no buy/sell fees, roboadvisor from 0.49% p.a.
Minimum deposit
N26 Trading
1 €
OpenBank
0 €
Regulation
N26 Trading
BaFin
OpenBank
BdE/CNMV
Product access and costs depend on market, account and permissions.
Detailed comparison
Comparing fees
Compare total costs, not just the order fee.
N26 TradingOpenBankFunds with no buy/sell fees, roboadvisor from 0.49% p.a.
- Published fee
- Funds with no buy/sell fees, roboadvisor from 0.49% p.a.
- Minimum deposit
- 0 €
The relevant costs depend on market, currency, order size and trading style.
Execution quality
Order type, venue and liquidity affect execution.
N26 TradingCheck the provider’s execution policy and available order types for your account.
Provider informationOpenBankCheck the provider’s execution policy and available order types for your account.
Provider informationProduct range
N26 TradingStocksETFs
OpenBankStocksETFsFundsRobo-Advisory
Categories come from broker profiles. Check specific markets and permissions before deciding.
Trading platforms
N26 TradingN26 App
N26 Trading is exclusively available through the N26 banking app for iOS and Android. The trading feature is seamlessly integrated into the banking interface. Users can buy stocks and ETFs, view their portfolio, and purchase fractional shares. The user interface is extremely simplified, offering basic price information but forgoing professional charting or analysis tools.
Explore platformOpenBankOpenBank Web · OpenBank App
OpenBank offers the OpenBank Web platform and the OpenBank App. The platform combines banking and investment features in a modern, user-friendly interface. The robo-advisor enables automated investing based on individual risk profiles. The app provides the full range of features on mobile.
Explore platformRegulation does not prevent market losses. The relevant authority depends on the contracting entity.
Your investor profile
Who might it suit?
N26 TradingGerman neobank with integrated stock trading
- Integrated into N26 banking app
- BaFin-regulated German bank
- Fractional shares available
- Very limited stock selection
- No professional trading tools
OpenBankDigital bank of the Santander Group with investment features
- Part of the Santander Group – high security
- No buy/sell fees on funds
- Roboadvisor feature for passive investors
- Limited stock selection
- Primarily focused on Spanish customers
Find the broker that fits
N26 Trading oder OpenBank?
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.
Your questions
Frequently asked questions
How do fees differ between N26 Trading and OpenBank?
N26 Trading: €0 commission (included in N26 Metal), spread-based. OpenBank: Funds with no buy/sell fees, roboadvisor from 0.49% p.a.. Compare total costs for the specific market, product, currency and order size in the current fee schedule.
Which broker offers more products: N26 Trading or OpenBank?
N26 Trading offers Stocks, ETFs. OpenBank offers Stocks, ETFs, Funds, Robo-Advisory.
How are N26 Trading and OpenBank regulated?
The broker profiles list BaFin for N26 Trading and BdE/CNMV for OpenBank. Your account's contracting entity determines the applicable oversight and protection rules; check its current disclosures.
Is N26 Trading or OpenBank better for beginners?
N26 Trading lists a 1 € minimum deposit and offers N26 App. OpenBank lists 0 € and offers OpenBank Web, OpenBank App. Compare usability, available products and costs for your intended use.
N26 Trading vs OpenBank: Which broker is better overall?
The choice between N26 Trading (3.7/5, 450 reviews) and OpenBank (3.7/5, 750 reviews) depends on your needs. N26 Trading: German neobank with integrated stock trading. OpenBank: Digital bank of the Santander Group with investment features.
Your next step
Your next step
N26 TradingGerman neobank with integrated stock trading
Open accountRead reviewOpenBankDigital bank of the Santander Group with investment features
Open accountRead reviewKeep learning
Before you pick a broker
The guides worth reading before your first trade, whichever of the two you choose.