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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 | 84 | 91 |
| Trust score | 88 | 100 |
| Cost score | 84 | 92 |
| Platform score | 82 | 92 |
| Withdrawal score | 78 | 89 |
| Best for | UK tax-resident self-directed investors · ISA/SIPP investors consolidating larger portfolios · Investors who value flat platform fees over percentage fees | 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 | Interactive Investor Services Limited is authorised and regulated by the Financial Conduct Authority. Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | Financial Services Register Firm Reference Number 141282. 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 | Brokerage services are provided by Interactive Investor Services 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 | Negative balance protection not presented as a standard feature; not a leveraged CFD broker. 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 protection up to certain limits for eligible customers; details depend on asset/cash arrangement. 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 | Retail Trading Account requires UK tax resident aged 18 or over; company accounts have UK restrictions. Treat non-UK availability as needs manual review. 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 | Regular investing minimum is £25 per month; standard account opening/deposit minimum not clearly disclosed in checked pages. 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 | Trading costs vary by plan: UK/US shares including ETFs and investment trusts from £2.99-£3.99; funds £0-£3.99; other international shares £5.99-£9.99; regular investments free. 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 | No leverage product found; platform focuses on funded investment accounts. 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 explicit deposit fee found in checked official sources. Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | SIPP pension cash withdrawals have no additional charges; general withdrawal fee not disclosed in extracted pages. 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 located in official charges page or terms excerpt reviewed. Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | Tradable assets include shares, funds, ETFs, investment trusts, bonds/gilts and money market funds across UK and international markets. Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | Orders can be placed on the website, by telephone, or through trading apps; ii mobile app supports trading and account management. Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | Core retail accounts include Stocks & Shares ISA, Managed ISA, Personal Pension/SIPP, Trading Account, Junior ISA, Joint Trading Account, Company Account and Cash Savings. 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 include instant bank payment, debit card, Direct Debit, bank transfer for SIPP contributions and transfers from another provider. Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | Cash withdrawals can be initiated via app in GBP after setting up a withdrawal bank account; SIPP withdrawals include tax-free cash, drawdown and lump sums. 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 | Standard withdrawal processing time not found in official sources reviewed. 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.