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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 | 80 | 91 |
| Trust score | 88 | 100 |
| Cost score | 64 | 92 |
| Platform score | 78 | 92 |
| Withdrawal score | 82 | 89 |
| Best for | Australian retail investors · CommBank customers wanting CDIA settlement integration · ASX shares and ETF investors | European self-directed investors seeking low-cost access to stocks and ETFs · Investors who prefer web/mobile platforms and exchange-traded products |
| Watch out | Needs verification | Needs verification |
Trust & regulation | ||
| Regulators | ASIC AFSL; market participant of ASX and Cboe Australia; clearing participant of ASX Clear; settlement participant of ASX Settlement Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | AFSL 238814; ABN 60 067 254 399; Share Direct AR Ref 274819; CBA AFSL 234945 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 | Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814; Share Direct Nominees Pty Limited AR 274819; Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 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 CFD/FX negative-balance-protection regime identified; margin lending can involve margin calls and sale of collateral if obligations are not met. 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 | No explicit investor compensation scheme found in reviewed official CommSec pages; Australian CHESS/market protections and CBA deposit guarantees, if applicable, require product-specific review. 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 | Australian residents only; U.S. Persons and non-Australian residents barred from International Shares; other custodian country restrictions may apply 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 | Free account opening/no ongoing account-keeping fees; Pocket minimum investment $50; standard ETF minimum $500; margin loan minimum credit limit $20,000; no ordinary share-trading cash minimum disclosed. 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 | CommSec is primarily a listed-securities broker; official sources disclose brokerage/fees rather than FX/CFD-style 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 | Australian shares from AUD $5 online/CDIA; Pocket from AUD $2; U.S. international from USD $5 or 0.12%; non-U.S. international market minimums; ETO online from AUD $34.95 plus contract fees 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 | Margin Loan borrowing depends on approved investments/LVR; no single maximum leverage ratio disclosed on reviewed public pages. 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 CDIA account-keeping or electronic transaction fees; online transfers/direct debits and CBA ATM withdrawals free; International instant funding AUD $0.00 Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | CDIA electronic withdrawals free; International ACATS $0; US DRS transfer-out USD $5; DRS/transfer-in fees may apply Source | No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source |
| Inactivity fee | Inactivity Fee AUD $0.00 Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | Australian and international shares, ETFs, options, warrants, fixed income/bonds, managed funds via margin lending, cash products Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | Website, CommSec app, CommBank app/Pocket, CommSecIRESS and phone Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | Australian shares, international shares/Plus, options, margin lending, Pocket, minor trust, SMSF, CDIA and Notice Investor 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 | CDIA/NetBank linked transfers, external bank transfer to CDIA, CBA ATM/branch deposits, AUD International Wallet transfers Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | CDIA transfer via NetBank; CDIA branch/ATM access; international account withdrawals in AUD only 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 | T+2 settlement for sale proceeds; access may take one extra business day; international withdrawals settled funds only 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.