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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 | 90 | 100 |
| Cost score | 82 | 92 |
| Platform score | 85 | 92 |
| Withdrawal score | 80 | 89 |
| Best for | Singapore multi-asset investors · SGX/CDP users · investors combining stocks, ETFs, funds, bonds and leveraged 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 | Needs verification | Needs verification |
Trust & regulation | ||
| Regulators | Monetary Authority of Singapore (MAS) Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | MAS FID lists licence statuses but no separate licence number was found in checked sources; company registration/UEN is 197501035Z. 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 | Phillip Securities Pte Ltd; incorporated in Singapore 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 negative balance protection found; Cash Plus infosheet warns customers are responsible for shortfalls and leveraged trading losses may exceed initial funds. 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 investor compensation scheme was identified in checked POEMS/MAS pages; assets may be held at CDP, in PSPL custody, or trust accounts depending on account/product. 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 | Account eligibility excludes U.S. Persons; product disclaimers also state products are not offered to U.S. Persons. 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 opening deposit disclosed for Cash Plus/Cash Management; eNETS deposit minimum is S$1,000 and SMART Portfolio starts from S$300. 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 disclosed in checked POEMS pages; broker primarily publishes brokerage/commission rates, while FX/CFD spreads may depend on Phillip Nova/CFD product pages. 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 | Cash Plus: US 0 commission; SG 0.08% to 0.06% no min. Cash Management/Margin: SG 0.28% to 0.18% min S$25; US 0.30% min US$20. 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 | Cash Plus up to 5x cash deposit; CFDs up to 20x leverage. 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 blanket POEMS deposit fee found; S$20 + GST admin fee for missing/incorrect references; DBS MCA foreign-currency transfer has $0 fee. Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | Ordinary cash withdrawal fee not clearly disclosed in checked pages; replacement cheque administration charge S$50 + GST and TT/bank charges 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 | No general inactivity fee found; custody/account maintenance charges can apply if activity/asset-value waiver conditions are not met. Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | Stocks, ETFs, CFDs, bonds, unit trusts/funds, forex, futures, options, RSP/SBP, robo-advisory and money-market/cash solutions. Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | POEMS Mobile 3 app, POEMS 2.0 web portal, POEMS Pro Windows desktop, POEMS Mobile 2.0 and broker-assisted trading representative access. Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | Cash Plus, Cash Management/CDP-linked, Margin, Prepaid (CC), Custodian, SMART Portfolio and Managed Account options. 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 | PayNow, DBS MCA transfer, FAST, eNETS, EPS, Internet Bill Payment, eGIRO, USD cheque and cross-border telegraphic transfer. Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | Login to POEMS > Stocks > Online Forms > Withdrawal form; transfer to pre-registered local bank account via quick cheque or collect cheque from cashier; not available for Cash Trading Account. 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 | Before-10am linked-bank withdrawals are described as almost immediate; rejected-payment refunds: PayNow up to 1 week, other modes at least 2 weeks. 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.