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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	DBS Vickers dbsvickers.com Multi Asset BrokerBank Investment PlatformETF	DEGIRO degiro.com ETF BrokerMulti Asset BrokerETF
Decision summary
Overall score

Trust score	88	100

Cost score	63	92

Platform score	72	92

Withdrawal score	75	89

Best for	Singapore residents using DBS/POSB · CDP-linked SGX share investors · Investors who want web/mobile access to seven markets	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	Monetary Authority of Singapore (MAS) Source	Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source
License numbers	Capital Markets Services Licensee; Exempt Financial Adviser; Singapore Co. Reg. No. 198600294G 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	DBS Vickers Securities (Singapore) Pte 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	Not disclosed / not applicable to standard cash securities brokerage in reviewed public materials. 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	No explicit statutory investor compensation scheme disclosed; custody arrangements carry risks and overseas protections may differ. 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 disclosed; mTrading app indicated for Singapore account holders only. 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

Monetary Authority of Singapore (MAS)

Source

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

Source

License numbers

Capital Markets Services Licensee; Exempt Financial Adviser; Singapore Co. Reg. No. 198600294G

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

DBS Vickers Securities (Singapore) Pte 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

Not disclosed / not applicable to standard cash securities brokerage in reviewed public materials.

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

No explicit statutory investor compensation scheme disclosed; custody arrangements carry risks and overseas protections may differ.

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 disclosed; mTrading app indicated for Singapore account holders only.

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 initial deposit or fee is required to open an account; cash-upfront trades require sufficient prefunded cash before placing a trade. 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 to disclosed cash equities brokerage pricing; pricing is commission/minimum-fee based. 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	Cash trades: Singapore 0.28% min SGD 27.25; US 0.18% min USD 27.25. Cash Upfront: Singapore 0.12% min SGD 10.90; US 0.15% min USD 19.62. 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 disclosed for standard online securities account; share financing/margin terms exist but no maximum leverage ratio found. 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 initial deposit or account-opening fee; no annual, maintenance or minimum balance fees disclosed. Source	No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source
Withdrawal fee	Cash withdrawal fee not explicitly found; foreign securities withdrawal SGD 50 per counter plus out-of-pocket charges; equities transfer-in no fee. Source	No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source
Inactivity fee	No annual, account maintenance or minimum balance fees; inactivity fee not specifically disclosed. Source	No inactivity fee; UK fee page lists inactivity fee as €0. Source

Costs & account conditions

Minimum deposit

No initial deposit or fee is required to open an account; cash-upfront trades require sufficient prefunded cash before placing a trade.

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 to disclosed cash equities brokerage pricing; pricing is commission/minimum-fee based.

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

Cash trades: Singapore 0.28% min SGD 27.25; US 0.18% min USD 27.25. Cash Upfront: Singapore 0.12% min SGD 10.90; US 0.15% min USD 19.62.

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 disclosed for standard online securities account; share financing/margin terms exist but no maximum leverage ratio found.

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 initial deposit or account-opening fee; no annual, maintenance or minimum balance fees disclosed.

Source

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

Source

Withdrawal fee

Cash withdrawal fee not explicitly found; foreign securities withdrawal SGD 50 per counter plus out-of-pocket charges; equities transfer-in no fee.

Source

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

Source

Inactivity fee

No annual, account maintenance or minimum balance fees; inactivity fee not specifically disclosed.

Source

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

Source

Markets, platforms & payments
Tradable assets	Common stock; US fractional shares; REITs; retail bonds; collective investment schemes; exchange-traded derivatives contracts Source	Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source
Trading platforms	DBS Vickers Online Platform; DBS Vickers mTrading App; DBS/POSB digibank online access Source	DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source
Account types	DBS Vickers Online Trading Account; Cash Upfront settlement; Young Investor Account; MCA-linked trading 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	DBS/POSB iBanking; DBS Multi-Currency Account; GIRO; EPS Source	Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source
Withdrawal methods	GIRO; EPS; DBS Multi-Currency Account; DBS Multiplier account 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	Same day before 9:00am business-day cut-off; next business day after cut-off; cash-upfront withdrawal can take up to 2 working 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

Common stock; US fractional shares; REITs; retail bonds; collective investment schemes; exchange-traded derivatives contracts

Source

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

Source

Trading platforms

DBS Vickers Online Platform; DBS Vickers mTrading App; DBS/POSB digibank online access

Source

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

Source

Account types

DBS Vickers Online Trading Account; Cash Upfront settlement; Young Investor Account; MCA-linked trading

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

DBS/POSB iBanking; DBS Multi-Currency Account; GIRO; EPS

Source

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

Source

Withdrawal methods

GIRO; EPS; DBS Multi-Currency Account; DBS Multiplier account

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

Same day before 9:00am business-day cut-off; next business day after cut-off; cash-upfront withdrawal can take up to 2 working 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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