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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 | 85 | 91 |
| Trust score | 92 | 100 |
| Cost score | 82 | 92 |
| Platform score | 86 | 92 |
| Withdrawal score | 74 | 89 |
| Best for | Japan residents · Long-term NISA/iDeCo investors · Japanese investors wanting U.S./China stocks alongside domestic products | European self-directed investors seeking low-cost access to stocks and ETFs · Investors who prefer web/mobile platforms and exchange-traded products |
| Watch out | Service and documentation are primarily Japan-focused/Japanese-language · Country eligibility/restricted-country information was not clearly disclosed in reviewed public pages · L… | Needs verification |
Trust & regulation | ||
| Regulators | Japan Financial Services Agency / Kanto Local Finance Bureau (金融商品取引業者 関東財務局長（金商）). Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | Kanto Local Finance Bureau Director-General (Financial Instruments Business Operator) No. 165 / 関東財務局長（金商）第165号. 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 | Monex, Inc. (マネックス証券株式会社), Japan; registered for Type I/Type II Financial Instruments Business and Investment Advisory/Agency. 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 | Official risk disclosures for margin/crypto CFD state losses can exceed deposited margin/principal; no negative balance protection was found. 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 | 日本投資者保護基金に加入 (member of Japan Investor Protection Fund). 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 | Country eligibility/restrictions were not located in reviewed public pages; service appears Japan-focused and account opening likely subject to Japanese residency rules, but this needs manual confirmation. 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 | No general minimum deposit found in reviewed official pages; some products have their own minimum order/withdrawal amounts. 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 | USD/JPY 0.2–0.9 sen; EUR/USD 0.4 pips; normally fixed with exceptions. 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 | Commissions vary by product; major online stock/FX/CFD fees are disclosed on Monex fee pages. 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 | Maximum leverage varies by product: FX 25x, domestic margin approx. 3.3x, crypto CFD margin rate 50% (about 2x). 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 | Instant deposit: free; some foreign-currency/bank-transfer costs may be customer-borne. Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | Instant withdrawal: ¥330 per transaction; FX PLUS foreign-currency withdrawal: ¥2,000 per transaction. 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 fee pages; status left not disclosed rather than assumed zero. Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | Japanese, U.S. and China stocks; ETFs; mutual funds; bonds; FX; crypto CFDs; futures/options; gold/platinum/silver; managed portfolios; IPO/PO. Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | Monex website plus Monex Trader, MonexTraderFX, U.S. stock smartphone app, FX PLUS web browser and MONEX TRADER CRYPTO. Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | General securities account plus product sub-accounts: foreign stock, FX PLUS, crypto CFD, margin, U.S. margin, Monex Gold, NISA and iDeCo. 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 deposit, regular automatic deposit, bank transfer and internal transfer to product accounts such as FX PLUS. Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | Bank-account withdrawal, instant withdrawal, d払い balance withdrawal and FX PLUS foreign-currency withdrawal by phone/domestic remittance. 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 | Processing depends on instruction time; instant withdrawal has limits/windows; FX PLUS transfers before 19:00 can be same/next business day depending direction. 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.