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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 | 82 | 91 |
| Trust score | 88 | 100 |
| Cost score | 82 | 92 |
| Platform score | 76 | 92 |
| Withdrawal score | 78 | 89 |
| Best for | US residents who already bank with Ally · Long-term ETF/stock investors seeking low commissions · Investors wanting optional robo portfolios or remote advisor service | European self-directed investors seeking low-cost access to stocks and ETFs · Investors who prefer web/mobile platforms and exchange-traded products |
| Watch out | US residents only, with limited active-duty military exceptions · No cryptocurrency spot trading · No direct futures offering found in official sources | Needs verification |
Trust & regulation | ||
| Regulators | Ally Invest Securities is a FINRA/SIPC member; Ally Invest Advisors is an SEC-registered investment adviser. Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | CRD#: 136131 / SEC#: 8-66982 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 | Securities offered through Ally Invest Securities LLC; advisory services offered by Ally Invest Advisors Inc. 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 | No negative balance protection for margin accounts; Ally/Apex state customers can lose more than deposited and are responsible for shortfalls. 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 | SIPC protection up to $500,000 including $250,000 cash; additional London Underwriters policy up to $150 million aggregate and $37.5 million per customer including $900,000 cash. 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 | Ally Invest does not open or maintain accounts for residents of foreign countries; customers must live in the USA except possible active military exceptions. 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 | Not disclosed in extracted official sources; needs editor review. 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 or not broker-level for this investment-platform profile; review if leveraged products apply. 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 | Not disclosed in extracted official sources; needs editor review. 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 | For common stock margin, maximum loan currently may be 50% of marginable securities purchased; requirements vary. 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 | Standard and expedited transfers between Ally Bank and Ally Invest, and transfers with other institutions, are free; returned ACH may cost $30. Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | Selected withdrawal/transfer-out fees include $5 check withdrawal, $30 outgoing domestic wire, $50 ACAT out, $115 DRS per position, $50 DWAC per position plus possible transfer-agent fees, and $25 outgoing DTC per position. Source | No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source |
| Inactivity fee | No explicit inactivity fee found in the official commissions and fees schedule reviewed. Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | Stocks, ETFs, options, mutual funds, and fixed income securities are available. Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | Ally Invest provides web/mobile account access, screeners, watchlists, market data, news, metrics, TipRanks Smart Score, and analyst ratings. Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | Not disclosed in extracted official sources; needs editor review. 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 | Funding methods evidenced include check, wire, ACH, ACAT, DTC transfers, and Ally Bank-Ally Invest transfers. Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | Withdrawals/transfers include ACH, wire, check, Ally Bank transfers, ACAT transfer out, DRS, DWAC, and outgoing DTC. 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 | Transfer timing depends on method: Ally Bank/Self-Directed 1-2 minutes, Robo/Personal Advice up to 5 business days, ACAT 5-7 business days. 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.