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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 | 81 | 91 |
| Trust score | 86 | 100 |
| Cost score | 82 | 92 |
| Platform score | 78 | 92 |
| Withdrawal score | 70 | 89 |
| Best for | Beginner and intermediate U.S. investors · Existing SoFi banking/loan customers wanting an integrated app · Investors seeking $0 stock/ETF/options commissions | 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 | SoFi Securities LLC is FINRA/SIPC member; SoFi Wealth LLC is an SEC-registered investment adviser. Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | SoFi Securities LLC: CRD# 151717/SEC# 8-68389; SoFi Wealth LLC: CRD# 167958/SEC# 801-78185. 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 | SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC; SoFi Wealth provides robo/advisory services and SoFi Securities provides brokerage/self-directed services. 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 identified; SoFi margin disclosure warns it is possible to lose more than the initial investment when using margin. 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 | SIPC up to $500,000 including $250,000 cash; not market-loss protection. 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 | Official public sources reviewed confirm U.S. state/territory registrations for SoFi Securities but do not provide a complete non-U.S. country restriction list for account opening. 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 | Self-Directed minimum to begin investing: $5; Robo-Advisor minimum to begin investing: $50. 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: SoFi Invest is not presented as a forex/CFD spread broker in the researched official sources. 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 | $0 commissions on U.S. stocks, ETFs and options; other/regulatory fees 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 | No maximum securities margin leverage ratio disclosed in the researched official pages; margin loans use tiered interest rates instead. 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 | Incoming ACAT $0; incoming wire $0; returned/insufficient funds $30. Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | Outgoing ACAT $100; outgoing wire $25; DRS $115/security. Source | No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source |
| Inactivity fee | $25 per account per 6 months of login inactivity. Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | Stocks, OTC securities, ETFs, options, IPOs, fractional shares, mutual funds, alternative/interval funds, private market funds/SPVs through Templum referral, and managed robo portfolios. Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | Trading via the SoFi app or website; app available on iOS and Android. Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | Self-Directed includes Roth, Traditional, and SEP IRAs; Robo-Advisor includes Roth, Traditional, and SEP IRAs; Robo supports individual brokerage and retirement 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 | Supported money movement includes incoming ACATs, incoming wires, and ACH/cash transfer from SoFi Bank accounts for eligible IRA contributions; other deposit methods not fully enumerated publicly. Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | Outgoing ACAT, outgoing wire, and DRS transfers are listed with fees; ACH withdrawal processing/details were not fully disclosed in public fee sources. 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 | Public official sources reviewed did not disclose standard withdrawal processing times for SoFi Invest. 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.