Editorial review: 2026-08-03 · General educational content
Fees, regulations, availability, market data and provider features can change. Verify current details with the relevant provider or regulator. This article is not financial advice.
German ETF Savings Plans: Scalable Capital vs Ing Diba Comparison
What are ETF Savings Plans?
ETF savings plans (ETF Sparplan) are automated investment plans that allow German investors to regularly invest in ETFs. They offer:
Automated monthly investmentsDiversified portfolio exposureCost-effective long-term investingTax advantages in Germany
Scalable Capital ETF Savings Plans
Scalable Capital offers:
Commission-free ETF savings plans0.99% annual fee for ETF portfoliosFractional shares investingCrypto trading available€0.99 per trade for single tradesMobile app and web platformBaFin regulated
Ing Diba ETF Savings Plans
Ing Diba provides:
ETF savings plans with different pricing tiers€4.90 per trade on German sharesNo minimum depositIntegration with ING bankingResearch tools and market analysisMobile app and web platformBaFin regulated
Fee Comparison
Scalable Capital:
ETF savings plans: 0.99% annual feeSingle trades: €0.99 per tradeNo minimum depositFractional shares available
Ing Diba:
ETF savings plans: Variable fees depending on ETFSingle trades: €4.90 per tradeNo minimum depositBanking integration benefits
Investment Options
Scalable Capital:
Wide range of ETFsFractional sharesCrypto tradingManaged portfoliosRisk-based portfolio selection
Ing Diba:
German and international ETFsShares and mutual fundsBanking integrationResearch toolsDeposit protection
Tax Benefits in Germany
Both platforms offer German tax advantages:
Tax-free profits after one year holding periodPartial tax exemption for dividendsTax-efficient investing through ETFsAutomatic tax reporting
Additional Features
Scalable Capital:
Modern mobile appUser-friendly interfaceAutomated rebalancingSocial featuresEducational content
Ing Diba:
Established banking integrationComprehensive researchCustomer serviceBranch network accessProven track record
Best For
Scalable Capital is better for:
Tech-savvy investorsThose wanting fractional sharesInvestors interested in cryptoUsers preferring modern interfacesCost-conscious investors
Ing Diba is better for:
Traditional banking customersInvestors seeking reliabilityThose wanting branch accessUsers preferring established platformsResearch-focused investors
Conclusion
Choose Scalable Capital for modern features and fractional shares. Choose Ing Diba for banking integration and established reliability.