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The comparison reads the same evidence fields used by broker profiles, so users can scan scores, regulation, costs, platforms, withdrawals, and caveats side by side.
Broker 1
Broker 2
| VS field |  |  |
|---|---|---|
Decision summary | ||
| Overall score | 86 | 91 |
| Trust score | 91 | 100 |
| Cost score | 83 | 92 |
| Platform score | 84 | 92 |
| Withdrawal score | 82 | 89 |
| Best for | UK residents investing through ISAs, SIPPs and general dealing accounts who value regulated custody, broad fund/share access and simple transparent platform pricing. | European self-directed investors seeking low-cost access to stocks and ETFs · Investors who prefer web/mobile platforms and exchange-traded products |
| Watch out | Not a CFD/forex/margin broker; leverage and negative-balance-protection fields are not applicable · International dealing incurs FX charges and some markets are phone-only with mi… | Needs verification |
Trust & regulation | ||
| Regulators | Authorised and regulated by the Financial Conduct Authority (FCA). Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | FCA firm reference numbers: 211468, 155593, 774048. Source | Financial licence number not disclosed in reviewed official sources. Commercial registrations found: flatexDEGIRO Bank SE HRB 141330 on flatexDEGIRO Bank SE imprint; DEGIRO UK footer states HRB 105687; Dutch Branch KvK 82510245. Source |
| Regulated entities | AJ Bell Management Limited, AJ Bell Securities Limited, AJ Bell Asset Management Limited. Source | DEGIRO is operated by flatexDEGIRO Bank Dutch Branch, a branch of flatexDEGIRO Bank SE; flatexDEGIRO Bank SE is a licensed German bank headquartered in Frankfurt am Main. Source |
| Negative balance protection | Not applicable: AJ Bell is an execution-only investment platform/stockbroker, not a CFD/forex margin broker in reviewed sources. Source | No negative balance protection found. Official account-profile page warns losses can exceed deposit and result in a negative Balance for derivatives, margin and short-selling services; margin profiles are legacy-only. Source |
| Investor compensation | FSCS eligible investment protection up to £85,000; cash protection up to £120,000 per banking licence/bank. Source | Cash in flatexDEGIRO Bank SE Cash Account protected up to €100,000 per customer under German Deposit Guarantee Scheme; investor compensation covers up to 90% of non-returned assets, max €20,000 per customer; UK FSCS does not apply. Source |
| Restricted countries | UK residency/tax-residency requirements found for ISA/SIPP; no global availability list found. Source | Available via listed country selector in Europe/UK; US persons are not accepted; UK onboarding for new clients was temporarily unavailable on the reviewed UK page. Source |
Costs & account conditions | ||
| Minimum deposit | ISA/dealing initial minimum £250; pension initial minimum £500; Direct Debit from £25/month; no future minimum after that. Source | No fixed minimum deposit identified; DEGIRO homepage says users can add any amount of money to the account for free. Bank-account verification search result states minimum EUR 0.01 for linking a new bank account. Source |
| Spread from | Not applicable/not disclosed for execution-only share/fund platform; share trades use quotes and investment-specific market pricing, not broker-advertised spreads. Source | Not a quoted-spread CFD/FX broker field. DEGIRO discloses that bid-ask spreads are implicit market costs and not direct broker costs. Source |
| Commission | Commission/dealing charges are fixed per deal rather than percentage commissions for standard online orders. Source | Examples from UK fee page: US stocks €1 + €1 handling; LSE £1.75 + £1 handling; selected ETFs €0 + €1 handling; global ETFs €2 + €1 handling; options €0.75 commission. Currency, connectivity, external product and spread costs may apply. Source |
| Maximum leverage | Not applicable: no margin/CFD/forex leverage offering found in reviewed official sources. Source | DEGIRO currently does not allow new changes to margin-trading profiles; legacy Active/Trader/Day Trader accounts may have Debit Money / derivatives risk but maximum leverage was not disclosed in reviewed sources. Source |
| Deposit fee | No standard deposit fee disclosed; Cash savings hub explicitly no charge for depositing. Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | Free withdrawals for ISA/dealing and SIPP drawdown; LISA/SIPP rules may restrict access. Source | No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source |
| Inactivity fee | No inactivity fee found in reviewed official charges pages; mark not disclosed rather than zero. Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | Shares, funds, ETFs, investment trusts, bonds/gilts, ETCs, warrants, VCTs/IPOs/new issues. Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | Web platform and AJ Bell mobile app. Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | Stocks & shares ISA, Lifetime ISA, Junior ISA, SIPP, Ready-made pension, Junior SIPP, Dealing account, Cash savings hub. Source | DEGIRO account/profile types include Basic, Active, Trader, Day Trader and Custody. Active, Trader and Day Trader are legacy-only and new margin profiles are no longer available. Source |
| Deposit methods | Instant bank transfer, debit card, Direct Debit, faster payments for cash savings, employer SIPP contributions by cheque or Direct Debit. Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | Online withdrawal to registered bank account for ISA/dealing; regular cash withdrawal form; product-specific pension/LISA/cash-savings rules. Source | Withdrawals go back to the primary registered/linked bank account; only uninvested cash in the Cash Account can be withdrawn. Source |
| Withdrawal processing time | 1-3 working days for ISA/dealing withdrawals. Source | Withdrawals may take up to 2-4 working days; transfers can take up to 2-3 working days to complete. Source |
BrokerVS provides broker comparison research only. Scores and evidence can vary by country, account type, and legal entity; users should verify source links before opening an account.