N26 Trading
BaFin
Peaks
AFM
N26 Trading vs Peaks
Head-to-Head Comparison 2026
Our Verdict
Peaks has a higher rating of 3.8/5 compared to N26 Trading (3.7/5). N26 Trading is BaFin-regulated, while Peaks is supervised by AFM. N26 Trading has been in the market since 2013, making it the more experienced provider.
Comparison Table
| Criteria | N26 Trading | Peaks |
|---|---|---|
| Rating | 3.7/5 (450 reviews) | 3.8/5 (620 reviews)✓ |
| Regulation | BaFin | AFM |
| Fees | €0 commission (included in N26 Metal), spread-based | €1 or €2 per month + 0.5% p.a. fund costs |
| Min. Deposit | 1 € | 1 € |
| Instruments | Stocks, ETFs | ETFs, ETF-Portfolios |
| Platforms | N26 App | Peaks App |
| Options Trading | No | No |
| Founded | 2013 | 2016 |
| Headquarters | Berlin | Amsterdam |
Detailed Comparison
Fee Comparison
N26 Trading: €0 commission (included in N26 Metal), spread-based. Minimum deposit: 1 €.
Peaks: €1 or €2 per month + 0.5% p.a. fund costs. Minimum deposit: 1 €.
Product Range
N26 Trading (2 categories)
Peaks (2 categories)
Trading Platforms
N26 Trading
- N26 App
Peaks
- Peaks App
Regulation & Security
N26 Trading is regulated by BaFin (HQ: Berlin).
Peaks is regulated by AFM (HQ: Amsterdam).
Who Is It For?
N26 Trading
German neobank with integrated stock trading
✓ Integrated into N26 banking app
✓ BaFin-regulated German bank
✓ Fractional shares available
✗ Very limited stock selection
✗ No professional trading tools
Peaks
Micro-investing app with automated savings and ETF portfolios
✓ Automatic investing through rounding up card payments
✓ AFM-regulated in the Netherlands
✓ Ideal for beginners and micro-investing
✗ Flat monthly fee disadvantageous for small amounts
✗ No individual stock selection possible
Frequently Asked Questions
Is N26 Trading or Peaks cheaper?
Which broker offers more products: N26 Trading or Peaks?
Which broker is better regulated?
Is N26 Trading or Peaks better for beginners?
N26 Trading vs Peaks: Which broker is better overall?
Peaks
Micro-investing app with automated savings and ETF portfolios
Open Account →From 1 € min. deposit