Updated September 29, 2026 · SumCue Editorial Team
ActivTrades vs J&T Direktbank
ActivTrades
Higher score in this comparison
J&T Direktbank
Where ActivTrades and J&T Direktbank differ
| Compare | ActivTradesReviewVisitVisit | J&T DirektbankReviewVisitVisit |
|---|---|---|
| Minimum deposit | $0 | €0 |
| Account fee | $0 | €0 |
| Regulators | FCA, SCB, CMVM, FSC, BACEN | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Ceska narodni banka (CNB) |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Interest on cash | 3.3%Higher | 2.25% |
| Stock trade fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Bonds | Not confirmed |
| Retail accounts that lose money | 84% | Not confirmed |
| Currency conversion fee | 0.5% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Platforms | ActivTrader, MetaTrader 4, MetaTrader 5, TradingView | Not confirmed |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- ActivTrades scores higher overall: 9.4 vs 9.3.
- Regulators: only ActivTrades offers FCA, SCB, CMVM.
- Regulators: only J&T Direktbank offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Ceska narodni banka (CNB).
- ActivTrades is available in 1 more country.
- Interest on cash is higher at ActivTrades: 3.3% vs 2.25%.
- Pricing model: only ActivTrades offers Commission free.
- Pricing model: only J&T Direktbank offers No monthly fee.
Our verdict on each
ActivTrades
ActivTrades suits active traders seeking broad market access with commission free share dealing alongside forex, CFDs and bonds in a single account. Minimum deposit sits at $0 with stock trade fees at $0 and cover through FSCS up to GBP 85,000, while retail loss share stands at 84%.
J&T Direktbank
J&T Direktbank suits savers who want euro cash parked without paying a monthly charge, and who do not need to lock the money away. Its overnight account pays 2.25% at a variable rate, with an account fee of €0 and a minimum deposit of €0.
Score breakdown
| Area | ActivTrades | J&T Direktbank |
|---|---|---|
| Cost | 9.3Account upkeep stays light with charges at $0 for everyday holders. | 9.5Higher |
| Offer | 9.6HigherChoice spans asset classes listed as stocks, ETFs and forex for varied strategies. | 8.8Account fee of €0 and a minimum deposit of €0 are the strong side, while 2.25% trails the site median of 3%. |
| Trust | 9.5HigherOversight spans regulators shown as FCA, SCB and CMVM for added assurance. | 9.4 |
Where each is licensed and available
| Country | ActivTrades | J&T Direktbank |
|---|---|---|
| Czechia | Not confirmed | |
| Germany | Not confirmed |
Additional countries for ActivTrades: 3. Additional countries for J&T Direktbank: 2.
Where they rank in our lists
| Ranking | ActivTrades | J&T Direktbank |
|---|---|---|
| Savings | 1 of 1492 | 19 of 1492 |
| Savings accounts | 1 of 658 | 12 of 658 |
| Investing | 2 of 654 | 23 of 654 |
A third option
iuvoSAVE has interest on cash at 5% to 7%, against 3.3% for ActivTrades and 2.25% for J&T Direktbank.
iuvoSAVE reviewWhat we checked
ActivTrades
- activtrades.com: 12 facts, checked September 28, 2026
- help.activtrades.com: 1 fact, checked September 29, 2026
J&T Direktbank
- jtdirektbank.de: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | ActivTrades | J&T Direktbank |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Mobile app | Not confirmed |
| Pricing model | Commission free | No monthly fee |
| Legal entity | Not confirmed | J&T BANKA, a.s., Zweigniederlassung Deutschland |
| Headquarters | Not confirmed | Czechia |
| Founded | Not confirmed | 1998 |
| Support channels | Not confirmed | Email, Phone |
Crypto exchanges
| Fact | ActivTrades | J&T Direktbank |
|---|---|---|
| Taker fee | 0% | Not confirmed |
| Coins listed | 10 | Not confirmed |
| Fiat deposit methods | Card, Bank | Not confirmed |
| Maker fee | 0% | Not confirmed |
| Withdrawal fee | Free | Not confirmed |
| Derivatives | Yes | Not confirmed |
| Exchange type | Cex | Not confirmed |
Savings
| Fact | ActivTrades | J&T Direktbank |
|---|---|---|
| Headline rate | 3.3%Higher | 2.25% |
| Rate type | Variable | Variable |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Funds stay in the account and are free to trade at any time; interest on free margin is paid monthly | Daily availability; interest paid monthly to the Tagesgeld account |
| Monthly fee | Not confirmed | €0 |
| Account kind | Easy access | Easy access |
Where each stands against the rest
| Fact | ActivTrades | J&T Direktbank | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Retail accounts that lose money | 84%highest quarter | Not confirmed | 72.21% |
| Currency conversion fee | 0.5%above the median | Not confirmed | 0.4% |
| Interest on cash | 3.3%above the median | 2.25%below the median | 2.875% |
Median across 94 listed providers.
Pros and cons
ActivTrades
Pros
- Share dealing costs nothing with fees at $0, unlike DKB with fees of €10.
- Entry stays accessible with minimum deposit at $0 alongside funding via card and bank.
- Crypto derivatives are available with taker pricing at 0% for cost aware traders.
Cons
- Coin choice stays narrow at 10 for traders seeking wide crypto coverage.
- Currency conversion applies at 0.5% which adds cost for cross currency activity.
- Retail loss share stands elevated at 84%, highlighting CFD risk.
J&T Direktbank
Pros
- The account fee is €0 and the minimum deposit is €0, so small balances work.
- Deposits are covered by EU DGS up to EUR 100,000.
- Daily availability, with interest paid monthly on a variable rate of 2.25%.
Cons
- The rate is variable, so the 2.25% figure can fall with monetary policy.
- Support runs on email and phone only, with no branch network and no in-app chat.
- The account is a German branch of a Czech bank, J&T BANKA, a.s., Zweigniederlassung Deutschland, with a home country of CZ.
Who each suits
ActivTrades
Who it suits
- Traders seeking commission free stocks with fees at $0 and varied venues at ActivTrader, MetaTrader 4 and MetaTrader 5.
- Investors comfortable with forex and CFD exposure across assets at stocks, ETFs and forex.
- Savers holding trading cash who value interest at 3.3% with easy access.
Who should look elsewhere
- Traders seeking bank bundled saving plus investing may consider DKB, which structures share dealing around €10.
- Investors seeking social portfolios and guided themes may consider eToro, where entry starts at $50.
J&T Direktbank
Who it suits
- Euro savers who want daily access and can leave the balance in place.
- Savers who value a fee-free account, with an account fee of €0 and a minimum deposit of €0.
- Readers comfortable with a variable rate paid monthly, under supervision by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Ceska narodni banka (CNB).
Who should look elsewhere
- bunq, which lists a minimum deposit of €10 where this account takes €0.
- CFI, whose minimum deposit of $0 is set in dollars rather than euro, for anyone saving in US currency.
- Fiesta Credito MX, supervised by CONDUSEF rather than Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Ceska narodni banka (CNB), if you need cover in another market.
Country by country
| Country | ActivTrades | J&T Direktbank |
|---|---|---|
| Argentina | Yes | No |
| Belgium | Yes | No |
| Czechia | No | Yes |
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
ActivTrades
What does ActivTrades charge for investing?+
Stock dealing carries fees of $0 with account upkeep at $0. Deposits and withdrawals are described as Free deposits and withdrawals. Currency conversion applies at 0.5%, so cross currency moves need care when sizing orders and planning holding periods.
How is money protected at ActivTrades?+
Investor protection is stated as FSCS up to GBP 85,000 with deposit protection described as FSCS up to GBP 85,000. Oversight comes from regulators listed as FCA, SCB and CMVM. Such cover has limits and conditions, so readers should check eligibility for their entity before funding.
J&T Direktbank
What does J&T Direktbank pay on its euro cash account?+
The overnight deposit pays 2.25%, and the cash interest is listed as 2.25%. The rate is variable, so it can move with monetary policy rather than being fixed for a term. Money stays available daily and interest is credited to the account monthly.
What does it cost to hold the account?+
Nothing to hold. The account fee is €0, the monthly fee is €0 and the minimum deposit is €0, so there is no balance to maintain and no charge to avoid. The only thing that matters is leaving enough in the account to earn the rate.
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