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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 | 80 | 91 |
| Trust score | 82 | 100 |
| Cost score | 86 | 92 |
| Platform score | 73 | 92 |
| Withdrawal score | 76 | 89 |
| Best for | EU retail investors focused on stocks/ETFs and savings plans · Users who value app-based investing plus banking/card features · Low-frequency investors comfortable with a limited… | 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 | Trade Republic Bank GmbH is supervised by BaFin as a German full bank; branch/regional supervision applies in some countries (e.g. DNB, FMA, Banca d'Italia). ECB banking-license context requires manual confirmation for exact current authorisation details. Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | BaFin-ID 10150368; DNB Relationship Number R197802; HRB 244347 B. 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 | Trade Republic Bank GmbH plus local branches where applicable. 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 | CFD-style negative balance protection is not applicable; customer must settle negative balances that occur exceptionally. 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 at partner banks protected up to €100,000 per customer per credit institution; money-market fund assets segregated; securities remain customer property. 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 | Eligibility is country-specific: residents/tax-liable in the country of registration, European mobile number and SEPA bank account required; U.S. Persons cannot open/maintain custody account. 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 account minimum deposit disclosed in checked official sources; homepage states investing starts with €1. 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 | No fixed spread-from figure disclosed; trades include third-party costs and spreads, and displayed quotes are indicative. 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 | €1 for single trades plus third-party costs/spreads; no order commission; savings plans free of brokerage fees. 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 / not offered as margin trading in checked retail brokerage sources; financial-instrument purchases are generally on a non-borrowing basis. 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 | SEPA deposit fee not disclosed as charged; instant card/mobile-wallet top-up fee may apply and is shown before payment. Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | €0 for ATM withdrawals above €100; €1 for ATM withdrawals below €100; third-party ATM fees 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 inactivity-fee evidence found in checked official homepage/support/legal excerpts; mark not disclosed until the current List of Prices and Services is reviewed in-app/PDF. Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | Stocks, ETFs, bonds/fixed income, crypto, derivatives, Private Markets and savings plans; availability varies by country. Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | Mobile app is primary; Web Trading/web-based interface is supplemental where available. Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | Consumer-only retail account with custody account plus cash/current clearing account, savings plans, optional child savings account/card features depending on country. 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 | SEPA bank transfer, credit/debit card and supported mobile wallets; current account accepts SEPA euro deposits. Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | Cash withdrawals/transfers through app to eligible own account; ATM withdrawals worldwide where Visa accepted for card cash withdrawals. 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 | Cash from sales commonly end-of-day/next day; pending funds usually up to 24h; securities account transfer up to about 3 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.