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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 | 82 | 91 |
| Trust score | 87 | 100 |
| Cost score | 84 | 92 |
| Platform score | 78 | 92 |
| Withdrawal score | 80 | 89 |
| Best for | Beginner and intermediate stock/ETF investors · UK investors eligible for ISA/SIPP products · Mobile-first users seeking low headline 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 | FCA; BaFin; CySEC; ASIC; Bulgaria Financial Supervision Commission Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | FCA 609146; BaFin 10109603; CySEC 398/21; ASIC AFSL 541122; Bulgaria FSC RG-03-0237 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 | Trading 212 UK Ltd.; Trading 212 Markets Ltd.; Trading 212 EU GmbH; Trading 212 AU PTY LTD; Trading 212 Ltd. 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 | Retail CFD negative balance protection applies; Trading 212 says retail clients cannot lose more than funds deposited and negative balances are adjusted to zero. AU protection is explicitly per AU CFD account. 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 | Entity-dependent: UK investment protection FSCS up to GBP 85,000; UK partner-bank deposit protection up to GBP 120,000 per banking group; Cyprus/Bulgaria ICF and German EdW up to 90% limited to EUR 20,000; Germany bank deposit protection up to EUR 100,000 per person per partner bank. 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 | Not directed at residents of the United States, Canada and Belgium; other jurisdictions may also be restricted where distribution/use would be contrary to local law or regulation. 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 | Invest/ISA terms show £1 minimum deposit where available; CFD terms show £10/€10/$10; Crypto terms/help show €1/$1. Minimum depends on region and account type. 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 | CFD spreads are dynamic and change depending on underlying market conditions; average spread is shown per instrument on Trading 212's CFD instruments page/app. 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 | Invest/ISA/SIPP trading commission is free; CFD trading commission is free; FX/spread/overnight and third-party costs may 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 | Retail CFD leverage/margin: major currency pairs 1:30; minor currency pairs/gold/major indices 1:20; other commodities/minor indices 1:10; stocks and ETFs 1:5; crypto-asset CFDs 1:2 for Australian retail clients. Professional-account terms may differ. 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 | Bank transfers and instant bank transfers remain free. Card, Google Pay, Apple Pay, OpenBankingPL or Klarna deposits to Invest/ISA are fee-free until cumulative GBP/EUR 2,000; after that 0.7%. CFD deposits remain fee-free. Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | Trading 212 does not charge withdrawal fees; receiving banks/payment processors may charge their own fees outside Trading 212's control. 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 fees associated with a Trading 212 account. Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | Invest and Stocks ISA: ordinary shares, preferred shares, ETFs, ETPs, ETCs, REITs and investment trusts. CFD: forex, stocks, ETFs, index futures, commodity futures, forex futures, treasury futures and cryptocurrencies where available. Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | Trading 212 proprietary web and mobile apps; official site prompts users to get the app and open/log in online; app store pages are linked via Trading 212 GetTheApp. Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | Invest, Stocks ISA, SIPP, CFD, Cash ISA, Crypto, and card-related services; availability depends on profile and jurisdiction. 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 | Bank transfers, instant bank transfers, card payments, OnlineBankingPL, Carte Bancaire, Blik, Direct eBanking, Apple/Google Pay and iDEAL; availability varies by region/account type. Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | Withdrawals are made in-app by selecting an account, amount and payment method; exact methods depend on previously verified/available payment methods and region/account type. 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 | Withdrawals may take up to three business days after execution; pending withdrawals awaiting settlement can take 1–2 business days before processing; SWIFT/some card payouts may take 2–3 business days. 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.