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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 | 78 | 92 |
| Platform score | 88 | 92 |
| Withdrawal score | 74 | 89 |
| Best for | Canadian self-directed investors · TD Bank clients · investors who want registered accounts plus North American stocks/ETFs/options | 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 | ["Canadian Investment Regulatory Organization (CIRO)"] Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | CIRO dealer member; specific license/registration number not found in reviewed public TD pages 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 | ["TD Waterhouse Canada Inc."] 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 disclosed as a formal negative-balance-protection policy; margin/cash account debit balances and under-margined/debit balance handling fees are disclosed 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 | Canadian Investor Protection Fund (CIPF) coverage through TD Waterhouse Canada Inc. as a CIPF Investment Dealer member firm 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 | ["Canada-focused; account eligibility generally requires Canadian residency/SIN for many account types; temporary Canadian residents may apply for a non-registered cash account in branch"] 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 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 to disclosed stock/ETF/options commission model; bond/GIC fixed-income commissions are embedded in quoted prices 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 | Online/app: select ETFs $0; Canadian and U.S. stocks $9.99 per trade standard or $7.00 active trader; partial shares $1.99; options $9.99 + $1.25/contract standard or $7.00 + $1.25/contract active trader 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 | Security- and margin-account dependent; public reviewed pages do not disclose a single maximum leverage ratio 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 charge for deposits/contributions through EasyLine, EasyWeb, TD Canada Trust branch or TD Direct Investing location; third-party/ABM/banking fees may apply for MoneyLink/other services Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | EFT fee not disclosed in reviewed sources; cheque pick-up $6.50; registered full withdrawal $100 excluding RDSP/RESP/TFSA/RRIF; partial RRSP/Basic RRSP/LIRA/LRSP withdrawal $25; account transfer out $150 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; TD discloses a $25 quarterly maintenance fee for households under $15,000 unless waiver criteria are met Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | ["Stocks", "ETFs", "Options", "Fixed income securities", "GICs", "Mutual funds", "New Issues", "Gold and silver certificates"] Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | ["WebBroker", "TD app", "Advanced Dashboard", "TD Active Trader", "Telephone Services"] Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | ["Self-Directed Cash Trading Account", "Self-Directed Margin Account", "Self-Directed Active Trader Margin Account", "TFSA", "FHSA", "RRSP", "RRIF", "RESP", "RDSP"] 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 | ["TD Canada Trust EasyWeb/TD app transfers", "WebBroker transfer", "Interac e-Transfer from another bank", "online bill payment", "TD Canada Trust branch", "TD Bank U.S. branch", "EasyLine telephone banking", "transfer in cash or in kind from another brokerage"] Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | ["Electronic Fund Transfer (EFT)", "TD Canada Trust branch or TD Direct Investing location cheque pick-up", "systematic mutual fund withdrawals", "investment income sweeps"] 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 | Not disclosed; TD reserves the right to require a seven-day notice period for intended withdrawals 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.