Updated September 29, 2026 · SumCue Editorial Team
Finanzguru AT vs Trading 212
Finanzguru AT
Trading 212
Higher score in this comparison
Finanzguru AT vs Trading 212: the differences
| Compare | Finanzguru ATReviewSee alternativesSee alternatives | Trading 212ReviewSee alternativesSee alternatives |
|---|---|---|
| Rate type | Fixed | Variable |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Free registration without authentication; over 4,000 banks and providers linkable; Sparbooster credit withdrawable from 5 EUR | Flexible Cash ISA with instant access; withdraw and add money at any time, interest paid monthly |
| Regulators | Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) | Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC) |
| Headline rate | 7% | Not confirmed |
| Minimum deposit | Not confirmed | £1 |
| Monthly fee | €0 | Not confirmed |
Same on both: Account kind (ISA).
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
- Trading 212 scores higher overall: 9.3 vs 9.0.
- Regulators: only Finanzguru AT offers Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin).
- Regulators: only Trading 212 offers Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC).
- Trading 212 is licensed in 1 more country.
- Support channels: only Finanzguru AT offers Email.
- Pricing model: only Finanzguru AT offers No monthly fee.
- Pricing model: only Trading 212 offers Commission free.
Our verdict on each
Finanzguru AT
Finanzguru AT suits German savers who want a fixed-rate boost, withdrawable credit, and no monthly account charge. Its headline rate is 7%, while savings deposits have EU deposit protection of EU DGS up to EUR 100,000 and investment balances have EU investor protection of EU ICS up to EUR 20,000.
Trading 212
Trading 212 suits UK beginners who want to start small and pay nothing to hold or trade. Stock trades cost £0, the account fee is £0, deposits start at £1, and help runs through help centre only, with no phone or chat route for anyone who needs a person.
Score breakdown
| Area | Finanzguru AT | Trading 212 |
|---|---|---|
| Cost | 9.1The account carries a monthly fee of €0, while registration is free. | 9.3HigherStock trade fee of £0 and account fee of £0, with no inactivity charge of £0 and a minimum deposit of £1. |
| Offer | 9.1HigherThe headline rate is 7% with a fixed rate of fixed. | 8.9 |
| Trust | 8.8 | 9.4Higher |
Availability and regulation
| Country | Finanzguru AT | Trading 212 |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 21380045KC28948FNE32 |
| Germany | IHK Frankfurt am Main D-LVC7-NRKYT-67 | Not confirmed |
| United Kingdom | Not confirmed |
Where these facts come from
Finanzguru AT
- finanzguru.de: 9 facts, checked September 26, 2026
- portal.mvp.bafin.de: 2 facts, checked September 26, 2026
Trading 212
- en.wikipedia.org: 4 facts, checked September 26, 2026
- helpcentre.trading212.com: 4 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- register.fca.org.uk: 1 fact, checked September 26, 2026
How they place
| Ranking | Finanzguru AT | Trading 212 |
|---|---|---|
| Savings | 439 of 1492 | 241 of 1492 |
| Investing | 198 of 654 | 110 of 654 |
| Cash ISAs | 7 of 11 | 3 of 11 |
Every fact side by side
| Fact | Finanzguru AT | Trading 212 |
|---|---|---|
| Pricing model | No monthly fee | Commission free |
| Legal entity | dwins GmbH | Trading 212 Markets Ltd |
| Headquarters | Germany | Cyprus |
| Founded | Not confirmed | 2006 |
| Support channels | Email, Help centreCovers more | Help centre |
Robo-advisors
| Fact | Finanzguru AT | Trading 212 |
|---|---|---|
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | Not confirmed | ISA, SIPP, Joint |
| Portfolio types | ETF | Not confirmed |
Where each stands against the rest
| Fact | Finanzguru AT | Trading 212 | Median |
|---|---|---|---|
| Headline rate | 7%highest quarter | Not confirmed | 3.3% |
| Minimum deposit | Not confirmed | £1at the median | £1 |
| Monthly fee | €0at the median | Not confirmed | €0 |
Median across 710 listed providers.
Pros and cons
Finanzguru AT
Pros
- The fixed headline rate of 7% exceeds bunq at 3.01% and Wise at 3.29%.
- The monthly fee is €0, so the account model has no monthly charge.
- Savings deposits have EU deposit protection of EU DGS up to EUR 100,000.
Cons
- The rate is fixed at fixed, so it may not suit savers who want a variable rate.
- Support runs through email and help centre only, with no phone support listed.
- The deposit protection limit is EU DGS up to EUR 100,000, so larger balances may receive less cover.
Trading 212
Pros
- Stock trades cost £0 and the account fee is £0, so holding a portfolio costs nothing
- The inactivity fee is £0, so a dormant account is not quietly charged
- The minimum deposit is £1, far below the €10 bunq asks
Cons
- Support runs on help centre only, so there is no live phone or chat route
- Trading 212 Markets Ltd is authorised by the Cyprus Securities and Exchange Commission on MiCA CASP 21380045KC28948FNE32, so the Financial Conduct Authority is not the only supervisor involved
- Markets cover stocks, etfs and forex, which leaves funds, bonds and options outside the range offered here
Who each suits
Finanzguru AT
Who it suits
- German savers who prioritise the fixed headline rate of 7%.
- Users who value free registration and a monthly fee of €0.
- People who want savings and investment protection under the stated limits of EU DGS up to EUR 100,000 and EU ICS up to EUR 20,000.
Who should look elsewhere
- Savers seeking a variable rate, because the listed rate is fixed at fixed.
- People wanting phone support, because support runs through email and help centre.
- Large investment balances seeking the same protection limit as savings, because investment protection is EU ICS up to EUR 20,000 while deposit protection is EU DGS up to EUR 100,000.
Trading 212
Who it suits
- Beginners opening a first UK investing account
- Savers who want tax-free cash in a flexible Cash ISA
- Small regular investors using fractional shares in small amounts
Who should look elsewhere
- Anyone who wants a phone line, since support runs on help centre only
- Readers wanting a lower entry amount than £1, since CFI asks $0
Current offers
Finanzguru AT
Current offer
Bonus
Finanzguru Sparbooster: 7 % annual subsidy on reserved points for the Altersvorsorgedepot: 7 % subsidy per year
Reserve Sparbooster points in the app; runs until the Altersvorsorgedepot starts in January 2027; new points reserved automatically; points can be released at any time; not real interest but a subsidy when buying the Altersvorsorgedepot.
Source, checked September 26, 2026
Discount code
Sparbooster cashback vouchers (e.g. adidas and FC Bayern Munich +8 %, IKEA and Zalando +5 %, Deutsche Bahn and Media Markt +3 %): up to 8 % cashback
Base Sparbooster offer free; cashback doubled with Finanzguru Plus; credit withdrawable by real-time transfer from 5 EUR; other brands offer half the cashback without Plus.
Source, checked September 26, 2026
Country by country
| Country | Finanzguru AT | Trading 212 |
|---|---|---|
| Germany | Yes | No |
Questions about each
Finanzguru AT
What rate does Finanzguru AT offer?+
Finanzguru AT advertises a headline rate of 7%. The rate type is fixed, as shown by fixed. This is higher than bunq at 3.01% and Wise at 3.29%.
Does the account charge a monthly fee?+
The monthly fee is €0. Registration is also free without authentication. These features reduce the account's recurring cost burden, although product costs may still need separate consideration.
Trading 212
How much does it cost to open and hold an account?+
The account fee is £0 and the stock trade fee is £0, so there is no charge to hold or to trade. It ranks 1 of 142 on account fee in our data. The only other cost line recorded is the inactivity fee at £0.
What is the smallest amount I can start with?+
The minimum deposit is £1, which puts the entry point low. That ranks 83 of 218 on our minimum deposit data. For comparison, bunq asks a minimum deposit of €10, so Trading 212 asks less of a first deposit than bunq does.
Other options to compare
Other matchups
Finanzguru AT
Trading 212