EU Broker Fee 2026 — Quick-Reference

Profile A: €25,000 portfolio, €500/month DCA into EUR-listed UCITS ETFs (no USD conversion). Source: EU Broker Fee Comparator · Reviewed 4 June 2026 by Kestutis Balciunas.

Profile A — Typical EUR-only DCA investor

Rank Broker Regulator Commission/yr FX/yr Custody/yr Total/yr bps
1 Trade Republic aff BaFin · EdW + ICS €0.00 — €0.00 €0.00 0.0
2 Trading 212 CySEC / FCA · ICF / FSCS €0.00 — €0.00 €0.00 0.0
3 Scalable Capital BaFin · EdW €0.00 — €0.00 €0.00 0.0
4 eToro aff CySEC / FCA · ICF €0.00 — €0.00 €0.00 0.0
5 XTB aff KNF / CySEC · ICF €0.00 — €0.00 €0.00 0.0
6 DeGiro BaFin / DNB · EdW €12.00 — €0.00 €12.00 4.8
7 Scalable (Free Broker) BaFin · EdW €11.88 — €0.00 €11.88 4.8
8 Lightyear FCA / EFSA · FSCS / Estonian €12.00 — €0.00 €12.00 4.8
9 Trade Republic ad-hoc (no savings plan) BaFin · EdW + ICS €12.00 — €0.00 €12.00 4.8
10 Saxo (Investor) DFSA €14.40 — €30.00 €44.40 17.8
11 Freedom24 aff CySEC · ICF €24.00 — €0.00 €24.00 9.6
12 Interactive Brokers aff IBIE / FCA · ICF / FSCS €15.00 — €0.00 €15.00 6.0
Key takeaway for Profile A: For pure EUR-DCA on EUR-listed UCITS ETFs, any of Trade Republic, Trading 212, Scalable Capital, eToro, or XTB give you €0/year. Pick by regulatory protection (BaFin EdW €100K beats CySEC ICF €20K for large cash balances) and ETF universe.

Profile B — €100K portfolio, €1,000/month DCA into USD-listed ETFs (FX needed)

Rank Broker Regulator Commission/yr FX/yr Custody/yr Total/yr bps
1 Interactive Brokers aff IBIE / FCA · ICF / FSCS €21.00 €24.00 €0.00 €45.00 4.5
2 Trading 212 CySEC / FCA · ICF / FSCS €0.00 €180.00 €0.00 €180.00 18.0
3 Trade Republic aff BaFin · EdW + ICS €0.00 €300.00 €0.00 €300.00 30.0
4 DeGiro BaFin / DNB · EdW €12.00 €300.00 €0.00 €312.00 31.2
5 Scalable Capital BaFin · EdW €0.00 €600.00 €0.00 €600.00 60.0
6 Saxo (Investor) DFSA €19.60 €300.00 €120.00 €439.60 44.0
7 Lightyear FCA / EFSA · FSCS / Estonian €24.00 €420.00 €0.00 €444.00 44.4
8 Freedom24 aff CySEC · ICF €24.00 €600.00 €0.00 €624.00 62.4
9 XTB aff KNF / CySEC · ICF €0.00 €600.00 €0.00 €600.00 60.0
10 eToro aff CySEC / FCA · ICF €0.00 €1,800.00 €0.00 €1,800.00 180.0
Key takeaway for Profile B: Interactive Brokers' 0.002% FX (vs eToro's 1.5%) is the single biggest cost difference at scale. At €12,000/year USD-DCA, IBKR costs €45 total vs eToro's €1,800 — a €1,755/year difference. Over 10 years, that's €17,550 in pure broker FX cost. If you trade USD-listed UCITS or US-listed ETFs from Europe, IBKR is the rational default; no other broker comes close.

How to use this reference

Methodology: Commission = 12 trades/year × per-trade fee (zeroed for brokers with commission-free savings plans). FX = annual EUR contributions × broker's published FX spread, with broker minimums applied. Custody = portfolio size × broker's custody percentage. bps = total / portfolio × 10,000.

Affiliate disclosure: Brokers marked aff are tracked affiliates of financialexpertclass.com. Visiting through the comparator link may pay a referral commission. Editorial coverage is independent — the ranking above is purely mathematical. See /affiliate-disclosure/ for full policy.

Sources: each broker's official fee schedule as of 4 June 2026 + ESMA + BaFin + CySEC + FCA scheme documentation. Cross-checked against justETF broker comparison filters and Morningstar UK ETF database.

Last reviewed 4 June 2026 by Kestutis Balciunas. Operated by Aurum Digital Marketing LTD (UK), Companies House 15203665. This is educational content, not personalised financial advice. Verify all fees on the broker's site before opening an account.
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