Compare Broker Fees
The broker you pick today quietly shapes your returns for decades. See exactly how much the difference costs you — before you commit.
Pick any two brokers, enter your portfolio details, and instantly compare custody fees, FX charges, fund costs, and transaction commissions side by side.
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Broker A
Broker B
Choosing Interactive Brokers saves you an estimated
€650
over 10 years on a €50,000 portfolio
Metric
DEGIRO
Interactive Brokers✦ cheaper
Annual fee rate
0.45%
0.20%
Annual fees (today)
€150
€120
Total fees over 10yr
€2,749
€2,099
Projected value
€95,609
€96,259
Return after fees
91.22%
92.52%
Fee breakdown (annual)
Custody/platform
€0
€0
Fund/ETF cost
€100
€100
FX conversion
€0
€0
Transaction costs
€50
€20
Want to see your real fees?
These are estimates based on public pricing. Connect your broker and we'll show you exactly what you're paying — across all your accounts, in one place.
Fee estimates are approximate and based on publicly available pricing as of March 2026. Actual fees vary by account type, trading volume, currency pairs, and specific products. Fund/ETF cost assumes a typical broad-market ETF TER of 0.20%. FX fees are modeled as a one-time conversion cost on new money, not an annual portfolio drag. Always verify with your broker's current fee schedule.
How broker fees really compare
Broker fees come in four main categories, and every broker bundles them differently. Understanding each one is key to making an apples-to-apples comparison.
Custody & platform fees
Some brokers charge an annual percentage of your portfolio value just to hold your assets. Saxo Bank charges 0.25% per year on a standard Danish account, while Revolut charges 0.12%. Most newer platforms — DEGIRO, Interactive Brokers, Trading 212, Nordnet, and Avanza — charge 0% custody. This doesn't mean they're free; they monetize through other fee lines or payment for order flow.
FX conversion fees
If you're a European investor buying US-listed ETFs or stocks, you pay a currency conversion fee. This ranges from 0.002% at Interactive Brokers (nearly free) to 0.50% at eToro. On a €50,000 portfolio, that's the difference between €1 and €250 — just on conversion. FX fees are applied when money enters the portfolio and on each contribution, making them especially impactful for regular investors.
Fund & ETF costs (TER)
The total expense ratio is charged by the fund itself, not the broker. A typical broad-market index ETF charges around 0.20% per year. This applies regardless of which broker you use, so it's a constant in our comparison — but it's important to include because it's part of the total cost of investing.
Transaction costs
Per-trade commissions vary widely. Trading 212 charges zero commission. DEGIRO offers a "core selection" of free ETFs with low fees elsewhere. Nordnet and Avanza have higher minimums on Nordic exchanges. Interactive Brokers charges very small per-share commissions. For a typical passive investor making ~12 trades a year, annual transaction costs range from €0 to €200.
Frequently asked questions
Which European broker has the lowest fees?
For most passive investors, Interactive Brokers and Trading 212 tend to have the lowest total cost of ownership. Interactive Brokers charges near-zero FX fees (0.002%) and very low commissions, while Trading 212 offers zero-commission trades with a 0.15% FX fee. The best choice depends on your portfolio size, trading frequency, and currency needs.
What hidden fees do brokers charge?
Beyond headline commissions, brokers may charge custody/platform fees (annual % of portfolio value), FX conversion spreads (when buying assets in foreign currencies), fund expense ratios (TER), inactivity fees, and withdrawal fees. These 'hidden' costs can add up to 0.5–1.5% annually.
How much do FX fees really cost?
FX fees vary dramatically between brokers — from 0.002% at Interactive Brokers to 0.50% at eToro. On a €50,000 portfolio with annual contributions, even a 0.25% FX fee can cost hundreds of euros over a decade in lost compounding.
Is DEGIRO cheaper than Interactive Brokers?
It depends on your usage. DEGIRO has low commissions (especially on its core selection) but charges 0.25% FX fees. Interactive Brokers has near-zero FX fees (0.002%) and very low commissions. For investors who trade international stocks or ETFs frequently, Interactive Brokers is typically cheaper overall.
How are broker fee comparisons calculated?
This tool uses real fee data from each broker — custody fees, FX conversion spreads, estimated annual transaction costs, and a typical ETF expense ratio (0.20%). It projects total cost over your chosen time horizon using yearly compounding, including contributions. The difference shows how much you'd save by choosing the cheaper broker.