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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	Ally Invest ally.com Stock BrokerETF BrokerETF	DEGIRO degiro.com ETF BrokerMulti Asset BrokerETF
Decision summary
Overall score

Trust score	88	100

Cost score	82	92

Platform score	76	92

Withdrawal score	78	89

Best for	US residents who already bank with Ally · Long-term ETF/stock investors seeking low commissions · Investors wanting optional robo portfolios or remote advisor service	European self-directed investors seeking low-cost access to stocks and ETFs · Investors who prefer web/mobile platforms and exchange-traded products

Watch out	US residents only, with limited active-duty military exceptions · No cryptocurrency spot trading · No direct futures offering found in official sources	Needs verification

Trust & regulation
Regulators	Ally Invest Securities is a FINRA/SIPC member; Ally Invest Advisors 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	CRD#: 136131 / SEC#: 8-66982 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	Securities offered through Ally Invest Securities LLC; advisory services offered by Ally Invest Advisors 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	No negative balance protection for margin accounts; Ally/Apex state customers can lose more than deposited and are responsible for shortfalls. 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 protection up to $500,000 including $250,000 cash; additional London Underwriters policy up to $150 million aggregate and $37.5 million per customer including $900,000 cash. 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	Ally Invest does not open or maintain accounts for residents of foreign countries; customers must live in the USA except possible active military exceptions. 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

Ally Invest Securities is a FINRA/SIPC member; Ally Invest Advisors 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

CRD#: 136131 / SEC#: 8-66982

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

Securities offered through Ally Invest Securities LLC; advisory services offered by Ally Invest Advisors 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

No negative balance protection for margin accounts; Ally/Apex state customers can lose more than deposited and are responsible for shortfalls.

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 protection up to $500,000 including $250,000 cash; additional London Underwriters policy up to $150 million aggregate and $37.5 million per customer including $900,000 cash.

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

Ally Invest does not open or maintain accounts for residents of foreign countries; customers must live in the USA except possible active military exceptions.

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	Not disclosed in extracted official sources; needs editor review. 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 or not broker-level for this investment-platform profile; review if leveraged products apply. 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	Not disclosed in extracted official sources; needs editor review. 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	For common stock margin, maximum loan currently may be 50% of marginable securities purchased; requirements vary. 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	Standard and expedited transfers between Ally Bank and Ally Invest, and transfers with other institutions, are free; returned ACH may cost $30. Source	No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source
Withdrawal fee	Selected withdrawal/transfer-out fees include $5 check withdrawal, $30 outgoing domestic wire, $50 ACAT out, $115 DRS per position, $50 DWAC per position plus possible transfer-agent fees, and $25 outgoing DTC per position. Source	No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source
Inactivity fee	No explicit inactivity fee found in the official commissions and fees schedule reviewed. Source	No inactivity fee; UK fee page lists inactivity fee as €0. Source

Costs & account conditions

Minimum deposit

Not disclosed in extracted official sources; needs editor review.

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 or not broker-level for this investment-platform profile; review if leveraged products apply.

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

Not disclosed in extracted official sources; needs editor review.

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

For common stock margin, maximum loan currently may be 50% of marginable securities purchased; requirements vary.

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

Standard and expedited transfers between Ally Bank and Ally Invest, and transfers with other institutions, are free; returned ACH may cost $30.

Source

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

Source

Withdrawal fee

Selected withdrawal/transfer-out fees include $5 check withdrawal, $30 outgoing domestic wire, $50 ACAT out, $115 DRS per position, $50 DWAC per position plus possible transfer-agent fees, and $25 outgoing DTC per position.

Source

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

Source

Inactivity fee

No explicit inactivity fee found in the official commissions and fees schedule reviewed.

Source

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

Source

Markets, platforms & payments
Tradable assets	Stocks, ETFs, options, mutual funds, and fixed income securities are available. Source	Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source
Trading platforms	Ally Invest provides web/mobile account access, screeners, watchlists, market data, news, metrics, TipRanks Smart Score, and analyst ratings. Source	DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source
Account types	Not disclosed in extracted official sources; needs editor review. 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	Funding methods evidenced include check, wire, ACH, ACAT, DTC transfers, and Ally Bank-Ally Invest transfers. Source	Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source
Withdrawal methods	Withdrawals/transfers include ACH, wire, check, Ally Bank transfers, ACAT transfer out, DRS, DWAC, and outgoing DTC. 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	Transfer timing depends on method: Ally Bank/Self-Directed 1-2 minutes, Robo/Personal Advice up to 5 business days, ACAT 5-7 business days. 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

Stocks, ETFs, options, mutual funds, and fixed income securities are available.

Source

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

Source

Trading platforms

Ally Invest provides web/mobile account access, screeners, watchlists, market data, news, metrics, TipRanks Smart Score, and analyst ratings.

Source

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

Source

Account types

Not disclosed in extracted official sources; needs editor review.

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

Funding methods evidenced include check, wire, ACH, ACAT, DTC transfers, and Ally Bank-Ally Invest transfers.

Source

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

Source

Withdrawal methods

Withdrawals/transfers include ACH, wire, check, Ally Bank transfers, ACAT transfer out, DRS, DWAC, and outgoing DTC.

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

Transfer timing depends on method: Ally Bank/Self-Directed 1-2 minutes, Robo/Personal Advice up to 5 business days, ACAT 5-7 business days.

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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