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.
Vivid Money
Which broker fits your needs?
Platforms, products and fees side by side.
Updated: October 2026
See comparisonN26 Trading
Vivid MoneyVS
Summary
Your goal decides.
Vivid Money offers 3 instrument types, while N26 Trading offers 2. The minimum deposit is lower at Vivid Money with 0,01 €. N26 Trading has been in the market since 2013, making it the more experienced provider.
N26 TradingGerman neobank with integrated stock trading
Vivid MoneyBerlin-based neobank with integrated stock, ETF and crypto trading
At a glance
The key differences
| Criterion | N26 Trading | Vivid Money |
|---|---|---|
| Platforms | N26 App | Vivid App |
| Product types | Stocks, ETFs | Stocks, ETFs, Crypto |
| Options trading | No | No |
| Fee model | €0 commission (included in N26 Metal), spread-based | €0 order fee (stocks/ETFs), crypto spread from 1% |
| Minimum deposit | 1 € | 0,01 € |
| Regulation | BaFin | BaFin |
| More information | Details | Details |
Platforms
N26 Trading
N26 App
Vivid Money
Vivid App
Product types
N26 Trading
Stocks, ETFs
Vivid Money
Stocks, ETFs, Crypto
Options trading
N26 Trading
No
Vivid Money
No
Fee model
N26 Trading
€0 commission (included in N26 Metal), spread-based
Vivid Money
€0 order fee (stocks/ETFs), crypto spread from 1%
Minimum deposit
N26 Trading
1 €
Vivid Money
0,01 €
Regulation
N26 Trading
BaFin
Vivid Money
BaFin
Product access and costs depend on market, account and permissions.
Detailed comparison
Comparing fees
Compare total costs, not just the order fee.
N26 TradingVivid Money€0 order fee (stocks/ETFs), crypto spread from 1%
- Published fee
- €0 order fee (stocks/ETFs), crypto spread from 1%
- Minimum deposit
- 0,01 €
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 informationVivid MoneyCheck the provider’s execution policy and available order types for your account.
Provider informationProduct range
N26 TradingStocksETFs
Vivid MoneyStocksETFsCrypto
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 platformVivid MoneyVivid App
Vivid Money exclusively offers the Vivid App as its platform. The app combines banking (checking account, debit card, transfers) and trading (stocks, ETFs, crypto) in one interface. Features include real-time quotes, simple order placement, cashback tracking, and automatic savings. There is no desktop platform.
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
Vivid MoneyBerlin-based neobank with integrated stock, ETF and crypto trading
- Banking and trading combined in one app
- Commission-free stock and ETF trading
- Over 50 cryptocurrencies available
- Crypto spreads relatively high (from 1%)
- Limited stock selection compared to specialized brokers
Find the broker that fits
N26 Trading oder Vivid Money?
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 Vivid Money?
N26 Trading: €0 commission (included in N26 Metal), spread-based. Vivid Money: €0 order fee (stocks/ETFs), crypto spread from 1%. 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 Vivid Money?
N26 Trading offers Stocks, ETFs. Vivid Money offers Stocks, ETFs, Crypto.
How are N26 Trading and Vivid Money regulated?
The broker profiles list BaFin for N26 Trading and BaFin for Vivid Money. Your account's contracting entity determines the applicable oversight and protection rules; check its current disclosures.
Is N26 Trading or Vivid Money better for beginners?
N26 Trading lists a 1 € minimum deposit and offers N26 App. Vivid Money lists 0,01 € and offers Vivid App. Compare usability, available products and costs for your intended use.
N26 Trading vs Vivid Money: Which broker is better overall?
The choice between N26 Trading (3.7/5, 450 reviews) and Vivid Money (3.7/5, 1100 reviews) depends on your needs. N26 Trading: German neobank with integrated stock trading. Vivid Money: Berlin-based neobank with integrated stock, ETF and crypto trading.
Your next step
Your next step
N26 TradingGerman neobank with integrated stock trading
Open accountRead reviewVivid MoneyBerlin-based neobank with integrated stock, ETF and crypto trading
Open accountRead reviewKeep learning
Before you pick a broker
The guides worth reading before your first trade, whichever of the two you choose.