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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 | 91 | 100 |
| Cost score | 82 | 92 |
| Platform score | 84 | 92 |
| Withdrawal score | 80 | 89 |
| Best for | Australian residents wanting NAB integration · ASX shares and ETFs · selected US/UK/Hong Kong/Germany international share access | 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 | Australian Securities and Investments Commission (ASIC) / Australian financial services licence regime Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | AFSL 230704 (WealthHub Securities Limited); AFSL 230686 (National Australia Bank Limited) 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 | WealthHub Securities Limited ABN 83 089 718 249 AFSL 230704; parent National Australia Bank Limited ABN 12 004 044 937 AFSL 230686 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 | Not applicable to the core cash stock/ETF investing service; margin lending is separate and carries loan risk. 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 | Professional indemnity insurance maintained as required under the Corporations Act; no separate investment compensation scheme identified in sources. 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 | nabtrade is available to persons accessing financial services and products while in Australia; international trading eligibility is limited to Australian tax residents residing in Australia. 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 minimum balance for cash/high-interest accounts; first ASX-listed company trade generally requires a $500 minimum marketable parcel. 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 | International trades incur a foreign exchange conversion spread of 0.50% to 0.80% of transaction value on the pricing page; FSG says NAB may charge an FX spread up to 3% embedded in exchange rate. 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 | Domestic shares online: AUD 9.95 up to $1,000; AUD 14.95 $1,000.01-$5,000; AUD 19.95 $5,000.01-$20,000; 0.11% over $20,000. Phone: $59.95 or 0.55%, whichever greater. 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 | Not applicable or not broker-level for this investment-platform profile; review if leveraged products apply. 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 ongoing account fees or minimum balance for Cash Account / High Interest Account; deposit-specific fees not separately disclosed. Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | No standard EFT withdrawal fee found in reviewed pricing; other account/banking fees may apply for special services such as cheques, statement reissues and certificates. 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 pricing / FSG; not expressly disclosed as a standalone fee. Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | Domestic equities, ETFs, warrants, mFunds, ETOs, bonds/interest rate securities; international equities and some ETFs; fixed income, hybrids, LICs, REITs and capital raisings pages are available. Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | Desktop web platform, mobile app, and IRESS ViewPoint active trader platform Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | Individual, Joint, Company and SMSF/Trust accounts 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 | Fund Cash Account by instant transfers from linked NAB accounts, fund transfers, or BPAY from external bank accounts. Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | Transfers out via EFT only for external accounts; BPAY out and Direct Debit are not supported. Transfers to linked nabtrade/NAB accounts supported. 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 | Linked NAB/nabtrade transfers can be instantaneous/unlimited; external transfer processing time not fully disclosed on public pages 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.