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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 | 82 | 100 |
| Cost score | 86 | 92 |
| Platform score | 87 | 92 |
| Withdrawal score | 78 | 89 |
| Best for | U.S. buy-and-hold investors · automated portfolio allocation · fractional-share stock and ETF portfolios | 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 | SEC registered broker-dealer; Member FINRA / SIPC. Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | M1 Finance LLC CRD#: 281242 / SEC#: 8-69670; M1 Advisory Services LLC CRD Number 249787, SEC File Number 801-106511. 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 | Not disclosed in extracted official sources; needs editor review. 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 explicit negative balance protection found for brokerage or crypto accounts; margin account disclosures emphasize maintenance calls and possible forced liquidation if equity falls below maintenance requirements. 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 | Member SIPC; securities customers protected up to $500,000 including $250,000 cash. Certain Apex-cleared accounts have excess SIPC. High-Yield Cash balances are eligible for FDIC insurance up to $4.75M when swept to partner banks. Crypto is not SIPC or FDIC insured. 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 | M1 is not available outside the U.S. except for eligible U.S. citizens or permanent residents with U.S. address and phone. 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 | Minimums: $100 individual/joint/custodial brokerage; $5,000 trust; $500 Traditional/Roth/SEP IRA; $100 crypto; High-Yield Cash individual account shows no minimum to open but stated APY requires $100 minimum initial deposit. 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 | M1 Finance LLC does not charge commission, trading, or management fees for self-directed brokerage accounts, but platform, regulatory, account closure, ADR and other fees may apply. 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 | Borrow up to 50% against eligible securities with M1 Margin Loans; not all securities are eligible and available margin may require more than $2,000 per brokerage account. 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 | Direct ACH deposits from or to connected bank are always free; incoming wire fee is $0, though sending bank may charge. Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | ACH transfers are free; outgoing domestic wire from Earn is $25; outgoing direct account transfers are $100. Source | No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source |
| Inactivity fee | Low-balance M1 investment accounts with value $50 or less and zero trading or deposit activity for 90+ days will be closed and remaining balance up to $50 charged as a Minimum Balance Fee. Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | Most stocks and ETFs listed on major U.S. exchanges such as NYSE and NASDAQ, certain OTC securities, fractional shares, and selected cryptocurrencies via Bakkt. Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | M1 products are offered via its website and M1 Finance mobile application, available on iOS and Android. Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | Individual Brokerage, Joint Brokerage, Trust, Custodial, Traditional IRA, Roth IRA, SEP IRA, Cash Account (High-Yield Cash), Crypto Account. 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 | External bank connection via Plaid or micro-deposits supports deposits/withdrawals; incoming wires are available for High-Yield Cash/Savings; brokerage transfers can be initiated via ACAT. Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | Withdraw via linked external bank; High-Yield Cash/Savings support outgoing domestic wires by form; direct account transfers out are available for a fee. 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 | Wire article lists ACH speed 2-5 business days, incoming wires within 1 business day after receipt, and outgoing wires same business day before 12 PM CT or next business day after cutoff. 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.