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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	AJ Bell ajbell.co.uk ETF BrokerMutual Fund PlatformBond	DEGIRO degiro.com ETF BrokerMulti Asset BrokerETF
Decision summary
Overall score

Trust score	91	100

Cost score	83	92

Platform score	84	92

Withdrawal score	82	89

Best for	UK residents investing through ISAs, SIPPs and general dealing accounts who value regulated custody, broad fund/share access and simple transparent platform pricing.	European self-directed investors seeking low-cost access to stocks and ETFs · Investors who prefer web/mobile platforms and exchange-traded products

Watch out	Not a CFD/forex/margin broker; leverage and negative-balance-protection fields are not applicable · International dealing incurs FX charges and some markets are phone-only with mi…	Needs verification

Trust & regulation
Regulators	Authorised and regulated by the Financial Conduct Authority (FCA). Source	Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source
License numbers	FCA firm reference numbers: 211468, 155593, 774048. 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	AJ Bell Management Limited, AJ Bell Securities Limited, AJ Bell Asset Management Limited. 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 applicable: AJ Bell is an execution-only investment platform/stockbroker, not a CFD/forex margin broker in reviewed sources. 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	FSCS eligible investment protection up to £85,000; cash protection up to £120,000 per banking licence/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	UK residency/tax-residency requirements found for ISA/SIPP; no global availability list found. 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

Trust & regulation

Regulators

Authorised and regulated by the Financial Conduct Authority (FCA).

Source

Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB.

Source

License numbers

FCA firm reference numbers: 211468, 155593, 774048.

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

AJ Bell Management Limited, AJ Bell Securities Limited, AJ Bell Asset Management Limited.

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 applicable: AJ Bell is an execution-only investment platform/stockbroker, not a CFD/forex margin broker in reviewed sources.

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

FSCS eligible investment protection up to £85,000; cash protection up to £120,000 per banking licence/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

UK residency/tax-residency requirements found for ISA/SIPP; no global availability list found.

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	ISA/dealing initial minimum £250; pension initial minimum £500; Direct Debit from £25/month; no future minimum after that. 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/not disclosed for execution-only share/fund platform; share trades use quotes and investment-specific market pricing, not broker-advertised spreads. 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	Commission/dealing charges are fixed per deal rather than percentage commissions for standard online orders. 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: no margin/CFD/forex leverage offering found in reviewed official sources. 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 standard deposit fee disclosed; Cash savings hub explicitly no charge for depositing. Source	No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source
Withdrawal fee	Free withdrawals for ISA/dealing and SIPP drawdown; LISA/SIPP rules may restrict access. 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 in reviewed official charges pages; mark not disclosed rather than zero. Source	No inactivity fee; UK fee page lists inactivity fee as €0. Source

Costs & account conditions

Minimum deposit

ISA/dealing initial minimum £250; pension initial minimum £500; Direct Debit from £25/month; no future minimum after that.

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/not disclosed for execution-only share/fund platform; share trades use quotes and investment-specific market pricing, not broker-advertised spreads.

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

Commission/dealing charges are fixed per deal rather than percentage commissions for standard online orders.

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: no margin/CFD/forex leverage offering found in reviewed official sources.

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 standard deposit fee disclosed; Cash savings hub explicitly no charge for depositing.

Source

No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees.

Source

Withdrawal fee

Free withdrawals for ISA/dealing and SIPP drawdown; LISA/SIPP rules may restrict access.

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 in reviewed official charges pages; mark not disclosed rather than zero.

Source

No inactivity fee; UK fee page lists inactivity fee as €0.

Source

Markets, platforms & payments
Tradable assets	Shares, funds, ETFs, investment trusts, bonds/gilts, ETCs, warrants, VCTs/IPOs/new issues. Source	Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source
Trading platforms	Web platform and AJ Bell mobile app. Source	DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source
Account types	Stocks & shares ISA, Lifetime ISA, Junior ISA, SIPP, Ready-made pension, Junior SIPP, Dealing account, Cash savings hub. 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	Instant bank transfer, debit card, Direct Debit, faster payments for cash savings, employer SIPP contributions by cheque or Direct Debit. Source	Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source
Withdrawal methods	Online withdrawal to registered bank account for ISA/dealing; regular cash withdrawal form; product-specific pension/LISA/cash-savings rules. 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	1-3 working days for ISA/dealing withdrawals. Source	Withdrawals may take up to 2-4 working days; transfers can take up to 2-3 working days to complete. Source

Markets, platforms & payments

Tradable assets

Shares, funds, ETFs, investment trusts, bonds/gilts, ETCs, warrants, VCTs/IPOs/new issues.

Source

Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability.

Source

Trading platforms

Web platform and AJ Bell mobile app.

Source

DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android.

Source

Account types

Stocks & shares ISA, Lifetime ISA, Junior ISA, SIPP, Ready-made pension, Junior SIPP, Dealing account, Cash savings hub.

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

Instant bank transfer, debit card, Direct Debit, faster payments for cash savings, employer SIPP contributions by cheque or Direct Debit.

Source

Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency.

Source

Withdrawal methods

Online withdrawal to registered bank account for ISA/dealing; regular cash withdrawal form; product-specific pension/LISA/cash-savings rules.

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

1-3 working days for ISA/dealing withdrawals.

Source

Withdrawals may take up to 2-4 working days; transfers can take up to 2-3 working days to complete.

Source

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