Flatex
Large German online broker with flat-fee trading. Accepts broad range of legal forms for Geschaeftsdepots.
Features
- ✓12 German + 25 international exchanges
- ✓Flat-fee trading (EUR 5.90/order)
- ✓Broad legal form acceptance
- ✓Geschaeftskonto (business checking) included
- ✓No minimum deposit
- ✓Free or discounted ETF trading
Pros
- Simple flat-fee pricing
- Accepts most legal forms (GmbH, UG, OHG, AG, KG, GbR)
- No minimum deposit
- Business checking account included
- Established German broker
Cons
- Automatically withholds 25% Abgeltungssteuer
- Flat fee expensive for large orders vs IBKR
- No Steuerstundungseffekt advantage
- Fewer international markets than IBKR resellers
Best For
About Flatex
Flatex is one of Germany's largest online brokers, offering Geschaeftsdepots to a broad range of legal forms including GmbH, UG, OHG, AG, KG, and GbR. The platform provides access to 12 German and 25 international exchanges with a simple flat-fee model of approximately EUR 5.90 per order (ETFs may be free or discounted). No minimum deposit is required. Flatex accounts also include a Geschaeftskonto (business checking account), making it an all-in-one solution. However, Flatex automatically withholds 25% Abgeltungssteuer on all gains and dividends, which results in overpayment for GmbHs and eliminates the Steuerstundungseffekt advantage.
All-in-One Business Solution
Flatex combines a business investment depot with a checking account, making it an attractive all-in-one solution for GmbHs that want simplicity. The flat-fee model keeps pricing predictable, though it can be more expensive than percentage-based commissions for large orders.
Tax Withholding Impact
Flatex automatically withholds 25% Abgeltungssteuer on all gains and dividends. For GmbHs that owe only ~1.54% on stock gains (due to paragraph 8b KStG), this means significant overpayment that must be recovered through the annual corporate tax return, typically taking 6-12 months.
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