★ BEST INVESTING TOOLS COMPARISON ★
VOL. XCIV, NO. 247
Tool details checked July 16, 2026
Tool Comparison
DEGIRO vs N26
Start here
DEGIRO
Transaction-priced · Fees vary by offer and jurisdiction · Web · Mobile
- Delayed quotes won't cut it; you need real-time data
- You care about advanced order types, smart/direct routing, and portfolio, things N26 doesn't offer
Pick N26 instead if
N26
Transaction-priced · Fees vary by offer and jurisdiction · Mobile
- You care about wealth management, something DEGIRO doesn't offer
Skip both if: Neither one clicks with how you research; there are strong third options.
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Our take
The bottom line
DEGIRO and N26 cover a lot of the same ground (2 shared categories, brokerage and watchlist), so for the basics you won't go far wrong with either. DEGIRO simply does more: 8 categories to N26's 3, including advanced order types, smart/direct routing, and portfolio. N26 counters by keeping things simpler.
What readers say
DEGIRO
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N26
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Key differences at a glance
- Real-time data
- DEGIRO
- Broader coverage
- DEGIRO8 vs 3 categories
See for yourself
How they stack up
The side-by-side table: pricing, platforms, data, and coverage at a glance.ShowHide
How they stack up
The side-by-side table: pricing, platforms, data, and coverage at a glance.| Attribute | ||
|---|---|---|
| Pricing & plans | ||
Starting price | Transaction-priced · Fees vary by offer and jurisdiction | Transaction-priced · Fees vary by offer and jurisdiction |
Free tier | No | No |
Free trial | — | — |
| Platforms & access | ||
Web app | Yes | No |
Mobile app | Yes | Yes |
API access | No | No |
Broker sync | — | No |
Integrations | — | Upvest Securities GmbH and Bitpanda Asset Management GmbH |
| Audience & fit | ||
Experience level | Beginner, Intermediate, Advanced | Beginner, Intermediate, Advanced |
Best for | Retail Traders and Pro Retail | — |
Categories covered | 8 | 3 |
Regions | Europe, North America | Europe |
| Data & capabilities | ||
Data quality | Latency: Streaming, Real-time, and 15-min Delayed | Timezone: Europe/Berlin |
Capabilities | Multi-leg options | — |
| Try it | Visit DEGIRO | Visit N26 |
Where each one shines
What DEGIRO and N26 each do best.ShowHide
Where each one shines
What DEGIRO and N26 each do best.What DEGIRO does best
- Web platform and mobile app with access to shares, ETFs, bonds, funds, options, futures, warrants, and leveraged products where local account settings allow.
- More than 45 markets across 30 countries; venue and product availability depends on the local DEGIRO country site and account profile.
- Order types include market, limit, stop loss, stop limit, day, good-till-cancelled, and trailing stops where the exchange supports them.
- Orders route direct to market on some venues and through the Morgan Stanley Smart Order Router on others, depending on product and market.
- Portfolio views, favourites lists, streaming or real-time quotes where available, market news, market overviews, and an economic calendar.
What N26 does best
- Stock and ETF trading inside the N26 mobile app where eligible, with transaction pricing and plan allowances per country.
- Fractional investing from as little as 1 euro, including recurring investment plans on supported schedules.
- Automated investment plans run weekly, bi-weekly, monthly, or quarterly for eligible stocks and ETFs.
- Thousands of instruments depending on market availability, with coverage varying by country of residence.
- Ready-made BlackRock funds in Mindful, Balanced, and Ambitious profiles where fund investing is available.
Every detail we compared
Every tracked attribute for DEGIRO and N26, side by side.ShowHide
Every detail we compared
Every tracked attribute for DEGIRO and N26, side by side.| Attribute | ||
|---|---|---|
| Coverage & fit | ||
Asset types | StocksETFsBondsMutual FundsOptionsFuturesOther | StocksETFsCryptos |
Experience | BeginnerIntermediateAdvanced | BeginnerIntermediateAdvanced |
Target audience | Retail TradersPro Retail | Not specified |
Regions | EuropeNorth America | Europe |
Coverage details | Identifiers: Ticker and ISIN | 18 countriesIdentifiers: ISIN and Ticker |
| Data | ||
Data freshness | StreamingReal-time15-min Delayed | Not specified |
| Access & integrations | ||
Integrations | Not specified | Upvest Securities GmbHBitpanda Asset Management GmbH |
Export formats | CSVExcelPDF | Not specified |
| Plans & trust | ||
Capability signals | Multi-leg options | Not specified |
Vendor & support | flatexDEGIRO Bank SE (DEGIRO brand)Country: GermanySupport: Email and Phone | N26 SECountry: GermanyFounded 2013Support: Email and Chat |
Curation ratings | Not specified | Methodology 4/5Reliability 4/5UX 4/5 |
Green tags are exclusive to that tool in this comparison.
What you'll actually pay
Plans, billing, trials, and per-month pricing for both tools.ShowHide
What you'll actually pay
Plans, billing, trials, and per-month pricing for both tools.| Tier | ||
|---|---|---|
| Free plan | — | Free“Standard” |
| Entry paid plan | — | Subscription“Smart” |
| Tier 2 | — | Subscription“Go” |
| Top plan | — | Subscription“Metal” |
Questions we keep getting
What's the difference between DEGIRO and N26?
DEGIRO leans toward brokerage, advanced order types, and smart/direct routing, while N26 puts more weight on brokerage, wealth management, and watchlist. They overlap in 2 categories, so for most people it comes down to workflow preference and price.
How much do DEGIRO and N26 cost?
Neither has a free plan; you'll need a paid subscription for the full feature set of either. Check each tool's current plan details before buying.
Should I choose DEGIRO or N26?
It depends on what you're after. Pick DEGIRO if advanced order types and smart/direct routing matter to you; go with N26 if you'd rather have wealth management. And if you only need the basics both share, let price decide.
What asset classes do DEGIRO and N26 cover?
Both cover stocks and ETFs. DEGIRO also handles bonds, mutual funds, and options. N26 adds cryptos on top.
Does DEGIRO or N26 have real-time data?
DEGIRO offers real-time data, which matters if you trade actively. N26 runs on delayed or end-of-day data, which is perfectly fine for longer-term investors who don't live and die by the tick.
Can I export data from DEGIRO and N26?
DEGIRO exports to CSV and Excel. N26 is stingier about getting data out.
Can I track my portfolio with DEGIRO or N26?
DEGIRO handles portfolio tracking. N26 is really a research tool; you'd track your portfolio elsewhere.
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Curation & Accuracy
This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).
Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.