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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 | 87 | 91 |
| Trust score | 91 | 100 |
| Cost score | 90 | 92 |
| Platform score | 86 | 92 |
| Withdrawal score | 78 | 89 |
| Best for | Long-term ETF savings-plan investors · German/EU residents seeking a low-cost neobroker · Investors wanting app/web access to stocks, ETFs, funds, bonds and ETPs | 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 | Supervised by BaFin and Deutsche Bundesbank; ECB authorised deposit and lending business. Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | Commercial register HRB 217778. BaFin permission is disclosed, but no numeric BaFin register/license number was found in checked official sources. LEI 391200Y3EUNL4LTXRP94 found via Bloomberg LEI record. 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 | Scalable Capital Bank GmbH is a German credit institution permitted by BaFin to provide banking and investment services and supervised by BaFin and Deutsche Bundesbank. 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 CFD/forex margin negative-balance-protection claim found; Scalable is primarily execution-only securities/ETP broker plus credit product. Credit-financed investments carry repayment and margin-call risks. 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 | Cash protection depends on allocation: statutory deposit guarantee up to €100,000 per bank/client, PRIME+ up to 5 x €100,000 across banks, or UCITS standards for qualifying money market funds; investments can lose value. 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 | Service is aimed at residents in Germany, Austria, Italy, Spain, metropolitan France and the Netherlands; applicants must not be subject to US taxation / US person rules. 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 broker minimum deposit to open; reference-account verification can be done with €1. Broker and ETF/stock/crypto/fund savings plans start from €1; Overnight has no minimum deposit; Wealth starts from €20 monthly savings amount. 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 | Crypto ETP spread surcharge: 0.99% FREE, 0.69% PRIME+. Other product costs, spreads, crypto fees and/or inducements may 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 | FREE: €0.99 per trade on EIX/gettex except PRIME ETFs from €250; PRIME+: €0 per eligible trade from €250 and €0.99 below €250; all savings plan executions €0; Xetra €3.99 plus venue fee. 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 retail CFD leverage schedule found. Scalable offers a secured credit product up to €250,000, variable borrowing rate charged quarterly, not a margin/CFD leverage offering. 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 | Transfer/direct debit deposits €0; Instant deposits cost 0.99% in FREE or 0.69% in PRIME+, with every additional euro above €5,000 free. Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | No explicit withdrawal-fee line was found in checked official fee and FAQ pages; standard/instant withdrawal methods and timing are disclosed but pricing was not isolated. 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 was found in checked official fee pages; fee page says FREE has no fixed payment and custody fees are €0, but does not explicitly state inactivity fee. Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | Stocks, ETFs, funds, derivatives, bonds/fixed income, crypto ETPs, commodity/precious-metal/foreign-exchange ETPs and private equity via ELTIFs. Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | Scalable Broker can be used in app and on the web; registration via iOS or Android mobile app is possible. Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | FREE Broker, PRIME+ Broker, Scalable Wealth, Scalable Overnight account, Scalable Kid’s 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 | Deposit methods include standard SEPA transfer, SEPA instant/Instant Payments, SEPA direct debit and internal transfers. Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | Withdrawals to verified reference account by standard withdrawal or SEPA instant withdrawal. 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 1-2 bank working days; SEPA instant within seconds; securities-sale proceeds withdrawable after two bank working days; direct-debit/Instant deposits have an eight-week security hold before withdrawal. 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.