Trading in Germany: Now easier and for longer
The German market is a gateway to European capital for investors. Thanks to Fio banka, which is a direct member of the Deutsche Börse Group and its XETRA electronic market, you get the fastest access to German "Blue Chips" and low-cost ETFs under conditions that have no competition on the market.
Germany from €3.95
Execute trades at advantageous prices. Ideal for buying stocks as well as regular ETF investing.
€0 for Safekeeping
Owning shares costs nothing with us. You pay no percentage fees based on portfolio volume.
A Market That Doesn't Sleep
With us, you can trade in Germany from 8:00 to 22:00. React to US results in real-time directly in Germany.
XETRA and XETRA Plus Electronic System
XETRA is the most liquid electronic market in Europe. Fio banka, as a member of Deutsche Börse, offers full integration of all modern mechanisms, including price improvement for retail clients.
- New Trading Hours: Starting December 1, 2025, we trade from 8:00 to 22:00.
- Xetra Price Improvement: Thanks to the Retail Auction mechanism, you automatically compete for the best price within the spread. You can often buy cheaper than the visible market price.
- Settlement: Standard settlement at T+2.
- Wide Range: Over 1,000 stocks and 3,000 ETF/ETP instruments.
Investments in Your Pocket with Smartbroker
Are you considering starting to invest? With the new Fio Smartbroker app, the German stock exchange is always at hand. It is designed for both beginners and experienced investors and is completely free.
- Access to US, German, and Czech markets.
- Management of all your investment accounts.
- Biometric security (fingerprint, face ID).
- Buy or sell within seconds.
Did you know? Fio banka uses Direct Market Access (DMA) technology. Your orders go directly to the core of the Frankfurt stock exchange without being resold to third parties (PFOF). This guarantees maximum security and fairness of execution.
New Fee Structure (from February 2026)
We have introduced new volume tiers, making us one of the most advantageous choices for both small and large investors on the market.
| Trade Volume | Fee |
|---|---|
| Up to EUR 1,400 inclusive | €3.95 |
| EUR 1,400 — 3,000 inclusive | €4.95 |
| Over EUR 3,000 | 0.15% of trade volume (min. €6.95) |
At Fio banka, we don't punish you for the growth of your portfolio. The safekeeping fee is €0 regardless of the value of your assets.
Analysis and Price Tracking
Track the development of the most significant companies in the DAX (40 largest titles), MDAX, SDAX, and the technological TecDAX.
You can monitor stock prices directly in the e-Broker and Smartbroker applications.
How to Start Trading?
- Open an account: Simply online or at any branch.
- Complete the questionnaire: Fill out the investment questionnaire in one of the apps.
- Monitor the markets: Use the Smartbroker mobile app or the e-Broker web application. Your trades are always at hand.
- Invest: Search for German titles and buy anytime from 8:00 to 22:00.
Tip: Monitoring market events is made easier with our news, analysis, and free Investing School seminars.
Disclaimer: Investing in investment instruments is risky and can result in losses under unfavorable circumstances. The value of an investment can both rise and fall. Return on the originally invested amount is not guaranteed.
