📈 Rating system

Scoring: brokerage account comparison

This is how we rate brokers and brokerage accounts. Each criterion has a transparent points breakdown.

Maximum score: 100

Magnifying glass over a portfolio chart

Magnifying glass over a portfolio chart

Category	Criterion	Points breakdown	Max. points
Account maintenance fee	Custody fee	• Free = full points • Free with condition = 10 points • Charged = 0 points	15
Account maintenance fee	Current account free/not required	• Not required = full points • Required account free (with conditions) = 3 pts • Otherwise = 0 pts	5
Trading costs	Execution costs of a €400 ETF savings plan	• Free = full points • ≤ €1 = 10 points • ≤ €3 = 6 points • ≤ €5 = 3 points	12
	Order costs for a €500 one-off investment	• Free = full points • ≤ €1 = 8 points • ≤ €3 = 5 points • ≤ €7 = 2 points	10
	Xetra orders possible	• Yes = full points • No = 0 points	3
Savings plans offered	Number of ETF savings plans	• ≥ 2,000 = full points • ≥ 1,000 = 5 points • ≥ 500 = 3 points • < 500 = 0 points	8
	Number of free ETF savings plans	• ≥ 2,000 = full points • ≥ 1,000 = 5 points • ≥ 500 = 3 points • < 500 = 0 points	7
	Minimum savings rate	• ≤ €1 = full points • ≤ €10 = 3 points • ≤ €25 = 1 point	5
Product range	Number of tradable ETFs	• ≥ 2,000 = full points • ≥ 1,000 = 4 points • ≥ 500 = 2 points	6
	Number of tradable shares	• ≥ 7,500 = full points • ≥ 5,000 = 4 points • ≥ 2,500 = 2 points	6
	Crypto/derivatives/bonds	• Everything tradable = full points • Two of them = 2 points • One = 1 point	3
Interest & extras	Interest on settlement account	• ≥ 3% = full points • ≥ 2% = 3 points • ≥ 1% = 1 point	5
Interest & extras	New customer bonus	• ≥ €100 = full points • ≥ €50 = 2 points • None = 0 points	3
Usability	Mobile app	• iOS & Android, ≥ 4.5★ = full points • iOS & Android, < 4.5★ = 3 points • Only one platform = 1 point	5
Usability	Free real-time prices	• Yes = full points • No = 0 points	3
Customer service & security	Phone support	• Yes, free = full points • Yes, for a fee = 2 points • No = 0 points	4
Total points:			100

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Checklist with a pie chart