Updated September 29, 2026 · BrokerCue Editorial Team
ActivTrades vs J&T Direktbank
What sets them apart
| Compare |  ActivTrades |  J&T Direktbank |
|---|---|---|
| Minimum deposit | $0 | €0 |
| Account fee | $0 | €0 |
| Regulators | FCA, SCB, CMVM, FSC, BACEN | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Ceska narodni banka (CNB) |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Interest on cash | 3.3%Higher | 2.25% |
| Stock trade fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Bonds | Not confirmed |
| Retail accounts that lose money | 84% | Not confirmed |
| Currency conversion fee | 0.5% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Platforms | ActivTrader, MetaTrader 4, MetaTrader 5, TradingView | Not confirmed |
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Key differences
- ActivTrades scores higher overall: 9.4 vs 9.3.
- Regulators: only ActivTrades offers FCA, SCB, CMVM.
- Regulators: only J&T Direktbank offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Ceska narodni banka (CNB).
- Interest on cash is higher at ActivTrades: 3.3% vs 2.25%.
Our verdict on each
ActivTrades
ActivTrades suits active share and CFD traders who want broad market access with commission free dealing and flexible platform choice for everyday orders. Minimum deposit sits at $0, stock trade fee sits at $0 and retail accounts that lose money sit at 84%, so careful risk controls remain essential.
J&T Direktbank
J&T Direktbank is a German savings bank branch rather than a dealing platform: the minimum deposit is €0, the account fee €0 and cash pays 2.25%. It suits savers in Europe who want a plain deposit account, not readers comparing brokers for stock dealing.
Score breakdown
| Area | ActivTrades | J&T Direktbank |
|---|---|---|
| Cost | 9.3Account fee sits at $0 so holding costs stay contained | 9.5Higher |
| Offer | 9.6HigherCoverage spans stocks, ETFs and forex across shares and leveraged products | 8.8The offer rests on the rankings: 1 on account fee among 138 brands, and 1 on minimum deposit among 213. |
| Trust | 9.5HigherOversight includes FCA, SCB and CMVM with FCA cover for reassurance | 9.4 |
Where each is licensed and available
| Country | ActivTrades | J&T Direktbank |
|---|---|---|
| Czechia | Not confirmed | |
| Germany | Not confirmed |
Where they rank in our lists
| Ranking | ActivTrades | J&T Direktbank |
|---|---|---|
| Stock and ETF brokers | 1 of 490 | 14 of 490 |
Also worth a look
Nexo has interest on cash at 13%, against 3.3% for ActivTrades and 2.25% for J&T Direktbank.
Nexo reviewSources behind this comparison
ActivTrades
- activtrades.com: 12 facts, checked September 28, 2026
- help.activtrades.com: 1 fact, checked September 29, 2026
J&T Direktbank
- jtdirektbank.de: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | ActivTrades | J&T Direktbank |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Mobile app | Not confirmed |
| Pricing model | Commission free | Not confirmed |
| Legal entity | Not confirmed | J&T BANKA, a.s., Zweigniederlassung Deutschland |
| Founded | Not confirmed | 1998 |
| Support channels | Not confirmed | Email, Phone |
Where each stands against the rest
| Fact | ActivTrades | J&T Direktbank | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Retail accounts that lose money | 84%highest quarter | Not confirmed | 70.375% |
| Currency conversion fee | 0.5%above the median | Not confirmed | 0.4% |
| Interest on cash | 3.3%above the median | 2.25%lowest quarter | 3% |
Median across 81 listed brokers.
Pros and cons
ActivTrades
Pros
- Stock trade fee sits at $0 for share dealing under commission free
- Minimum deposit sits at $0, below eToro at $50
- Funding terms read Free deposits and withdrawals for deposits and withdrawals
Cons
- Retail accounts that lose money sit at 84%, above the CFD median at 72.05%
- Currency conversion on funding costs 0.5% for balances held in other currencies
- Cash interest sits at 3.3%, which limits appeal for cash heavy portfolios
J&T Direktbank
Pros
- Cash balances earn 2.25%.
- Account fee of €0 and a minimum deposit of €0, so a small balance can sit there without a bill.
- Supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) in Germany and the Ceska narodni banka (CNB).
Cons
- Money above EU ICS up to EUR 20,000 falls outside the EU scheme, so large balances have to be split across banks.
- Support runs on email and phone only, with no live chat or help centre listed.
- The account is a German branch, J&T BANKA, a.s., Zweigniederlassung Deutschland, so readers who want stock dealing have to look elsewhere, such as eToro or CFI.
Who each suits
ActivTrades
Who it suits
- New traders starting modestly with entry at $0 and practice via crypto, demo account and fractional shares
- Share traders wanting dealing at $0 across stocks, ETFs and forex with platform choice
- CFD traders wanting structured support via email, chat and phone where funding reads Free deposits and withdrawals
Who should look elsewhere
- Traders wanting crypto led dealing with very low cash entry may prefer Kraken at $1
- Traders wanting social and copy features may prefer eToro despite higher entry at $50
J&T Direktbank
Who it suits
- Readers who want euro cash parked at 2.25% with an account fee of €0.
- Savers who want a bank account supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and the Ceska narodni banka (CNB).
Who should look elsewhere
- Readers who want to buy shares: eToro and CFI come with dealing, while this account pays 2.25% on cash.
- Anyone who needs a UK-regulated account: the entity is J&T BANKA, a.s., Zweigniederlassung Deutschland and cover runs through the EU scheme, EU ICS up to EUR 20,000.
- Readers who want a funded dealing account: Vantage asks for $5 to start rather than running as a cash deposit.
Country by country
| Country | ActivTrades | J&T Direktbank |
|---|---|---|
| Czechia | No | Yes |
| Germany | No | Yes |
Questions about each
ActivTrades
What does ActivTrades charge for stock trades?+
Stock trade fee sits at $0 for share dealing. The pricing model is described by commission free, which helps keep ticket costs predictable for equity orders. Spreads and conversion charges can still apply on leveraged trades, so review order previews and statements before dealing.
Is ActivTrades regulated and safe?+
Oversight comes via FCA, SCB and CMVM, including FCA cover alongside other regional entities. Eligible balances carry protection at FSCS up to GBP 85,000. Protection applies under scheme rules and by entity, so confirm which entity serves your account during signup and keep account records.
J&T Direktbank
What is the minimum deposit at J&T Direktbank?+
The minimum deposit is €0, so there is no floor on how much you transfer in. The account fee is €0 as well, which means a small balance can sit here without an annual charge draining it.
How much does J&T Direktbank pay on cash?+
Cash balances earn 2.25%. That rate is the return on offer here, since this is a deposit account rather than an investment account, and it sits alongside a €0 account fee.
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