Best broker in the Netherlands: 5 picks for Dutch investors

The best broker in the Netherlands for most people investing €100 to €500 a month is Trade Republic. Its ETF savings plans cost €0 per execution, its Dutch branch gives you a Dutch IBAN, and it pre-fills data for your Dutch tax return. If iDEAL deposits and Dutch-language customer service matter more to you, Saxo is the stronger choice, and DEGIRO stays the cheapest online broker for ETF orders you place yourself.

We compared seven EU-licensed brokers available in the Netherlands on trading fees for a monthly ETF plan, iDEAL deposits, support in Dutch, box 3 paperwork, regulation and investor protection. We checked every fee and licence on the providers’ official pages on 23 October 2026. Investing involves risk: whether stocks or ETFs, the value of your investments can fall, and you can get back less than you invest. This page is not investment advice.

How we picked the best online brokers in the Netherlands

We ranked each online broker on what it costs to invest €100 to €500 a month in an ETF, and on how well it fits life in the Netherlands. Three local details carried extra weight: iDEAL deposits, Dutch-language support and a usable annual statement for box 3.

Our checks, in order of weight:

1. Trading fees. €100 and €500 a month into one ETF for 12 months, a €1,000 buy of a Dutch stock on Euronext Amsterdam and a €1,000 US stock, including currency conversion and any minimum deposit.
2. Dutch fit. iDEAL, support in Dutch, and whether the broker gives you a jaaroverzicht or pre-filled tax data.
3. Licence, regulation and protection. Who the broker is regulated by, whether it has a Dutch branch, and which compensation scheme applies.
4. Availability. Every pick accepts residents of the Netherlands. If you later move to the UK, note that DEGIRO, Trade Republic and Scalable Capital don’t serve UK residents.

We don’t rank CFD brokers or forex brokers on this page, because most retail traders lose money with those products, and we didn’t check which brokers offer a demo account. This page is for Dutch investors, not Dutch traders looking for leverage. Whether you invest €50 or €500 a month, the aim here is buying and holding real stocks, ETFs and bonds. We also don’t score trading platform design or charting, because long-term investments rarely depend on them. The full method is on our methodology page.

The best online brokers for Dutch investors

These five online brokers cover almost every Dutch investor, from a €50 monthly plan to a large international portfolio. Each one is licensed in the EU, and each has a downside you should weigh before you open an investment account.

1. Trade Republic: best investment app for monthly investment plans

Trade Republic is the easiest low-cost way to invest every month from the Netherlands. Savings plans in stocks, ETFs and cryptocurrencies are commission free, at €0 per execution from €1, though you still pay the spread and the ETF’s own running costs.

Since 22 July 2025, Dutch customers have been served by Trade Republic Bank GmbH, Branch Netherlands. You get a Dutch IBAN, complaints can go to Kifid, and the branch gives you pre-filled data for your Dutch tax return. One-off orders cost €1 with Best Price (Trade Republic is the counterparty) or €2 with Direct Price on exchanges such as Euronext. There’s no account fee, no custody fee, no listed inactivity fee and no minimum deposit stated; you can invest from €1.

Uninvested money at the Dutch branch earns the ECB deposit facility rate, 2.50% since 16 September 2026, with no cap. New customers can get 3% on up to €50,000 as an offer; terms apply. Trade Republic is a German bank supervised by BaFin and the ECB, with branch supervision by De Nederlandsche Bank (DNB), the Dutch central bank. If securities can’t be returned, the German EdB scheme pays 90% of claims up to €20,000.

The catch: spreads under Best Price and its currency conversion fee aren’t published on the website, and we couldn’t confirm iDEAL deposits or Dutch-language customer support. Read the Trade Republic review.

2. Saxo: best for iDEAL, Dutch customer service and box 3

Saxo is the most Dutch-friendly online broker on this list: iDEAL deposits, chat and tickets in Dutch, and a fiscaal jaaroverzicht for box 3. Saxo’s Dutch business is the former BinckBank, now the Dutch branch of the Danish Saxo Bank A/S, registered with DNB and the AFM.

AutoInvest buys selected ETFs and investment funds every month on the 4th or the 28th, with no minimum amount; these buys are commission free, but the service fee below and spreads still apply. Single orders cost 0.08% with a €2 minimum on Euronext (Bronze tier), and the currency conversion fee is 0.25%. There’s no custody fee for Dutch accounts, but a service fee of 0.01% of your portfolio a month (max €40) is charged and refunded the next month as trading credit valid for one month. iDEAL deposits go up to €49,999 per transfer, the minimum deposit isn’t stated, and there’s no inactivity fee. The platform also gives access to a wide range of asset classes and exchanges: stocks, ETFs, bonds and options.

The Danish guarantee scheme covers cash up to €100,000 and securities up to €20,000. Euronext-listed securities of Dutch clients are held under the Dutch Wge regime, and others via Bewaarbedrijf BinckBank B.V., both outside Saxo’s estate if it fails. J. Safra Sarasin Group bought about 71% of Saxo in March 2026.

The catch: trading fees on small single orders are higher than at Trade Republic (€2 minimum), interest on cash is 0% below €100,000, and the service fee is a real cost if you only use AutoInvest (about €0.78 in the first year at €100 a month). See the Saxo review.

3. DEGIRO: the low-cost online broker for orders you place yourself

DEGIRO is the cheapest online broker in the Netherlands for ETF orders you place by hand. Its ETF core selection covers more than 1,000 ETFs, ETCs and ETNs on Tradegate at €0 commission plus a €1 handling fee per order, with no connectivity fee.

Dutch stocks on Euronext Amsterdam cost €2 + €1 per trade, with no connectivity fee for that exchange. The platform offers stocks, ETFs, bonds, options and futures, with access to a wide range of exchanges, around 50 in total. iDEAL deposits go up to €50,000 and usually arrive within 30 minutes, and the minimum deposit is €0.01. Every year, around late February or early March, you get a jaaroverzicht with start and end values for box 3. There’s no account fee, no custody fee and no inactivity fee.

DEGIRO is the Dutch branch of the German bank flatexDEGIRO Bank SE, regulated by BaFin and registered with DNB and the AFM. Cash is covered up to €100,000, securities by the German investor compensation scheme (90% up to €20,000), and DEGIRO says client securities sit in a separate special purpose vehicle.

The catch: there’s no automatic savings plan, so €100 a month means 12 manual orders. The cash account at the German flatexDEGIRO bank isn’t pre-filled in your Dutch return, and the AFM fined flatexDEGIRO twice for reporting failures (one fine set at €797,500 on appeal in 2025). See the DEGIRO review or our DEGIRO vs Trade Republic comparison.

4. Scalable Capital: best for frequent buyers

Scalable Capital is a German neobroker and bank available to residents of the Netherlands, with €0 savings plans from €1 and a free annual tax report prepared by KPMG. Its help centre is available in Dutch, and it lists a Dutch phone number and a Dutch support email.

On the FREE plan, one-off orders cost €0.99 on the European Investor Exchange (EIX) or €1.99 on Xetra and gettex, plus spreads, so the trading platform lets you choose your venue per order. There’s no inactivity fee listed. PRIME+ costs €4.99 a month and makes EIX orders from €250 free of order fees, which pays off once you place more than five EIX orders of €250 or more a month. Its Overnight account pays 2.60% variable interest with no cap; without PRIME+, part of your cash may sit in qualifying money market funds, which have no deposit guarantee. No minimum deposit is confirmed beyond €1 savings plans. Scalable Capital Bank GmbH is supervised by BaFin, the Bundesbank and the ECB, and EdB covers 90% of securities claims up to €20,000.

The catch: trades run only on German venues, not on Euronext Amsterdam. Standard SEPA transfers and direct debits are free, but instant deposits cost 0.99% on the first €5,000 (FREE plan), and iDEAL isn’t confirmed. Crypto is only available as ETPs.

5. Interactive Brokers: best for global markets and experienced investors

Interactive Brokers is the online broker that gives Dutch investors access to the widest range of financial markets and the cheapest currency conversion, if you’re comfortable with a complex trading platform that suits active traders. EU clients are served by Interactive Brokers Ireland Limited, regulated by the Central Bank of Ireland; the UK is served by a separate UK entity.

Recurring plans in a range of UCITS ETFs are commission free from €10, though the fund’s own costs and any currency conversion still apply. It also offers stocks, ETFs, options and futures from the US and many other global markets, which makes it the strongest pick for international stock trading. Other trades on EU exchanges cost 0.05% with a €3 minimum (IBKR Pro Fixed), and automatic currency conversion adds 0.03%. There’s no minimum deposit and no inactivity fee for most accounts, so your money can sit in the trading account without extra charges. The Irish Investor Compensation Scheme pays 90% of a loss up to €20,000.

The catch: no Dutch tax statement that we could verify, so you work out your box 3 values from IBKR’s own statements. Its trading platform takes time to learn and is aimed at active traders more than beginners, its website isn’t available in Dutch, and euro cash earns 0% on the first €10,000. See the Interactive Brokers review.

Trading fees compared: €100 a month and a €1,000 stock

Trading fees decide most of what you pay at an online broker, so when you compare, look at fees and spreads together. Commission free trading is rarely free: spreads, currency conversion fees and fund costs still apply. None of the five picks lists inactivity fees for most accounts. At €100 a month into one ETF, Trade Republic and Scalable Capital charge €0 over a year, and DEGIRO charges €12. For a single €1,000 Dutch stock, Trade Republic is cheapest on published fees at €1, followed by Saxo at €2 and DEGIRO at €3.

Broker	€100 a month into one ETF, 12 months	€1,000 Dutch stock on Euronext Amsterdam	€1,000 US stock
Trade Republic	€0 + spread	€1 (Best Price) or €2 (Direct Price) + spread	€1 + spread; FX fee not published
Saxo	€0 AutoInvest + about €0.78 service fee	€2 (0.08%, €2 minimum)	0.08% (min $1) + €2.50 FX
DEGIRO	12 × €1 = €12	€2 + €1 = €3	€2 + €2.50 FX = €4.50, plus €2.50 yearly connectivity fee
Scalable Capital (FREE)	€0 + spread	Not on Euronext; German venues only	€0.99 on EIX, in euros, + spread
Interactive Brokers	€0 in its recurring range, otherwise 12 × €3 = €36	€3 (0.05%, €3 minimum)	$1.00 + €0.30 auto-FX
eToro (not ranked)	€0 commission + spread	$1 to open (and $1 to close)	$1 + €7.50 conversion (0.75%)

How we worked it out: each broker’s published Dutch tariff on 23 October 2026 and one ETF bought monthly with no price changes. Spreads aren’t published, so your fees and spreads together will be a little higher than shown, and the ETF’s own running costs come on top. At €500 a month the €0 plans stay at €0, DEGIRO stays at €12 a year, and Saxo’s service fee rises to about €3.90 as your balance grows.

Small costs matter most on small amounts. €12 a year is 1% of €1,200 invested, but only 0.20% of €6,000. However, a US stock can cost more than a Dutch one: currency conversion adds 0.25% (€2.50 on €1,000) at DEGIRO and Saxo. So the lower your monthly amount, the more a €0 savings plan helps, and the more you trade abroad, the more FX trading fees matter.

iDEAL, Dutch-language support and box 3 for Dutch clients

Deposit options, the minimum deposit and paperwork differ more than you might expect for Dutch clients. Only Saxo ticks all three Dutch boxes on our list: iDEAL, confirmed Dutch-language chat and a box 3 statement. DEGIRO has iDEAL and a box 3 statement, and Trade Republic has a Dutch branch with pre-filled tax data, but neither has confirmed Dutch-language support in the sources we checked.

Broker	iDEAL	Minimum deposit	Support in Dutch	Box 3 paperwork
Trade Republic	Not confirmed (SEPA to your Dutch IBAN)	None stated; invest from €1	Not confirmed; phone and chat 24/7 in the app	Pre-filled Dutch tax return data
Saxo	Yes, up to €49,999	Not stated	Chat and tickets in Dutch 08:00 to 18:30	Fiscaal jaaroverzicht around mid-February
DEGIRO	Yes, up to €50,000	€0.01	Dutch phone number; languages not stated	Jaaroverzicht in late February or early March
Scalable Capital	Not confirmed (SEPA, direct debit)	Not stated; plans from €1	Help centre in Dutch, Dutch phone number	Free KPMG tax report
Interactive Brokers	Not verified	None	Website not in Dutch	No Dutch statement verified

How box 3 works in 2026

Box 3 doesn’t tax your actual gains on stocks and ETFs. For 2026 the Belastingdienst assumes a fixed return of 6.00% on investments, taxed at 36%, above a tax-free allowance of €59,357 per person (€118,714 with a fiscal partner), based on what you held on 1 January.

A simplified example: if all your assets are investments and they’re €10,000 above the allowance, the notional return is €600 and the tax is €216. If your actual return was lower, you can report it and be taxed on the lower figure. A new box 3 based on actual returns is expected from 1 January 2028. Brokers don’t withhold box 3 tax, so you always declare it yourself in your tax return.

Customer service and customer support compared

Saxo offers the clearest Dutch-language customer service and customer support: phone on weekdays, and chat and tickets in Dutch from 08:00 to 18:30, then in English until 22:00. The others offer a Dutch phone number or a Dutch help centre at most, or don’t state their support languages.

• Trade Republic: phone and live chat in the app, 24/7; complaints by email or post, and Dutch branch customers can go to Kifid.
• DEGIRO: help centre, phone and email per country site, with a Dutch number (+31 20 261 3072).
• Scalable Capital: support form in the app and on the website, a Dutch phone number and support-nl@scalable.capital for non-clients.
• Interactive Brokers: phone around the clock from Sunday afternoon to Friday evening (US Eastern time), chat and web tickets; the website is in seven languages, not including Dutch.

There are big differences in how you reach each broker when something goes wrong. We describe customer support channels from the brokers’ own pages. We don’t claim to have tested response times, so treat this as what each broker promises, not a test.

Regulation and protection for Dutch investors

Every pick is regulated in the EU and available to Dutch residents, but none is covered by the Dutch investor compensation scheme, which DNB runs with an investor compensation fund (Stichting Beleggers Compensatiefonds). That’s how EU regulation works for cross-border banks and investment firms: the Dutch branches of Trade Republic, DEGIRO and Saxo are registered with DNB (DEGIRO and Saxo also with the AFM, the Dutch Authority for the Financial Markets), while the home regulator supervises the bank as a whole. A Dutch branch of a foreign bank falls under that bank’s home-country scheme, so Trade Republic and DEGIRO customers rely on German schemes, Saxo customers on the Danish one, and Interactive Brokers customers on the Irish one.

In practice the cover is similar: securities that can’t be returned are covered up to €20,000 (90% of the claim in Germany and Ireland), and bank cash up to €100,000. Your stocks and ETFs are kept apart from the broker’s own money, so a broker failure doesn’t wipe them out. Cash is either client money held in trust or segregated accounts (Trade Republic, Interactive Brokers) or a bank deposit (DEGIRO, Saxo). Before you deposit, check each broker’s regulatory status in the AFM and DNB registers. These schemes never cover market losses: if the stock market falls, your money isn’t protected against that.

The track records differ more than the schemes. DEGIRO has the longest list of fines, from the AFM and BaFin between 2021 and 2026. Trade Republic halted purchases of GameStop and other meme stocks in January 2021 and settled a German consumer lawsuit in 2025. Scalable Capital had a data incident in 2020 that affected more than 33,000 customers.

CFD trading: when you can lose money fast

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. They’re bets on a price, not ownership of stocks, ETFs or bonds, and most retail traders lose money with them. EU rules give retail CFD accounts negative balance protection, so you can’t lose more than you deposit, but you can lose all of it. CFD brokers in the EU must publish the share of their retail CFD accounts that lose money, and several brokers that serve Dutch traders do:

• Saxo: 73% of retail investors lose money trading CFDs, and turbos are high risk too: 46% lose money trading them (Dutch tariff sheet, 13 July 2026).
• Interactive Brokers: 58.9% of retail investor accounts lose money trading CFDs.
• eToro, regulated by the Cyprus Securities and Exchange Commission: 55% of retail investor accounts lose money trading CFDs.
• Bitpanda: 78.5% of retail client accounts lose money with its legacy Leverage product (we didn’t check whether Dutch residents can use it).

If you’re a beginner, skip CFDs, turbos and forex trading and stick to stocks, ETFs and bonds; leave those complex instruments to experienced and professional traders. If you’re looking for Netherlands forex brokers, note that most forex brokers sell CFDs, a product with a high risk of losing money rapidly where most retail CFD accounts lose money. Dutch traders who still want CFD trading should at least check the provider’s licence first; negative balance protection only stops you losing more than your deposit. There are simpler ways to invest in financial markets. Trading with leverage multiplies losses as well as gains, and the risk of losing your money includes losing your whole stake.

The best broker for beginners on the stock market

For beginners, the best online broker in the Netherlands is the one that makes a small, regular ETF plan cheap and simple. That’s Trade Republic, or Saxo if you prefer Dutch-language help and iDEAL. For beginners the platform matters less than the costs: Trade Republic charges €1 per trade with Best Price when you buy outside a plan.

If you’re looking for a beleggen app (Dutch for investing app) to start with €50 or €100 a month, keep it simple: one broad ETF, a savings plan with €0 per execution, and money you won’t need for years. If you want a user friendly app and plan to trade only now and then, a €0 plan with one ETF is easier than picking stocks. Commission free trading apps still earn from spreads and currency conversion fees, and a demo account can help you learn a trading platform, though we haven’t checked which of these brokers offers one. An ETF is a fund that trades on an exchange like a share; mutual funds are usually bought from the fund company at one price a day. Social trading and copy trading apps can look simple too, but copying other traders doesn’t remove the risk of losing your money. Don’t invest with borrowed money: the stock market can fall sharply, and returns are never certain.

Also considered: eToro, Bitpanda and others

eToro and Bitpanda are available in the Netherlands but didn’t make the ranking for this goal.

• eToro is an app known for social trading and copy trading (CopyTrader), licensed by CySEC (the Cyprus Securities and Exchange Commission) and available in the Netherlands. Cover under the Cyprus Investor Compensation Fund is up to €20,000, and crypto trading costs 1% per buy and per sell on its lower tiers. Social trading means you see and can copy other traders’ investments. It supports iDEAL, but Dutch residents pay $1 per stock trade since August 2024, most balances sit in USD, and the currency conversion fee from euros is 0.75%. The minimum first deposit varies by country, and we couldn’t verify the Dutch figure. Some non-leveraged orders may be executed as CFDs.
• Bitpanda left the Netherlands in February 2024 and is listed again since its licences under the EU’s MiCA crypto regulation, but we couldn’t confirm that Dutch residents can buy its real stocks and ETFs.

We haven’t reviewed Trading 212, Lightyear, bunq, Revolut or LYNX yet, so they’re not ranked.

How to open a broker account in the Netherlands

Opening a broker account takes five short steps, most of them in the app. The Dutch offers on this page are for residents of the Netherlands.

Our verdict: the best broker Netherlands residents can open

Trade Republic is the best broker for most Dutch investors with a monthly ETF plan: €0 per execution, the lowest published trading fees on a single Dutch stock among our picks, a Dutch branch and pre-filled tax data. However, whether you pick it depends on how much iDEAL and Dutch-language customer support matter to you. Saxo is the pick if iDEAL and Dutch-language service matter most, and DEGIRO is cheapest for orders you place yourself.

For ETF investors outside the Netherlands, see our best ETF brokers in Europe. Whichever online broker you choose, fees change often, so check the current tariff before you open an account.