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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 | 91 | 91 |
| Trust score | 100 | 94 |
| Cost score | 92 | 88 |
| Platform score | 92 | 93 |
| Withdrawal score | 89 | 80 |
| Best for | European self-directed investors seeking low-cost access to stocks and ETFs · Investors who prefer web/mobile platforms and exchange-traded products | Active traders · Advanced investors · International-market investors |
| Watch out | Needs verification | Fee schedule is complex and varies by product, plan, market and entity · Country availability/restrictions need entity-specific review · No single universal max leverage figure fo… |
Trust & regulation | ||
| Regulators | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source | Regulated by SEC/FINRA/CFTC/NYSE in the US and by FCA, Central Bank of Ireland, ASIC, Hong Kong SFC, SEBI, Kanto Local Finance Bureau and MAS for regional affiliates. Source |
| License numbers | 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 | US CRD 36418 / SEC 8-47257; UK FCA 208159; AU AFSL 453554; India SEBI INZ000217730 and NSDL IN-DP-602-2021; Singapore MAS CMS100917; Japan Kanto Local Finance Bureau No.187. Source |
| Regulated entities | 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 | Major regulated entities include Interactive Brokers LLC plus UK, Ireland, Australia, Hong Kong, India, Japan and Singapore affiliates. Source |
| Negative balance protection | 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 | No universal negative-balance-protection promise found for Interactive Brokers LLC; IBKR describes real-time margin requirements and protective liquidations to return accounts to margin compliance. Source |
| Investor compensation | 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 | Interactive Brokers LLC securities accounts are protected by SIPC up to $500,000, including $250,000 cash sublimit, plus excess SIPC coverage up to an additional $30 million per account with $900,000 cash sublimit, subject to $150 million aggregate; futures/options on futures are excluded. Regional schemes vary. Source |
| Restricted countries | 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 | Official available-countries page lists countries/territories where applications are available rather than a concise restricted-country list. Treat unsupported/sanctioned-country restrictions as country/entity-dependent and requiring manual review. Source |
Costs & account conditions | ||
| Minimum deposit | 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 | USD 0 account minimum for IBKR Pro and IBKR Lite; broker accounts can require a USD 10,000 up-front deposit applied against commissions. Source |
| Spread from | Not a quoted-spread CFD/FX broker field. DEGIRO discloses that bid-ask spreads are implicit market costs and not direct broker costs. Source | Spot currency spreads advertised as narrow as 1/10 pip on Interactive Brokers Australia pricing overview; spreads vary by product/entity/market. Source |
| Commission | 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 | IBKR Lite offers $0 commissions on US stocks and ETFs; IBKR Pro uses fixed/tiered commissions and third-party/exchange/regulatory fees may apply by market/product. Source |
| Maximum leverage | 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 | Not expressed as a single max leverage figure; margin requirements are product-, account-, entity- and regulation-dependent and IBKR applies real-time risk margin. Source |
| Deposit fee | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source | Most standard bank/security deposit methods show no IBKR deposit fee in the extracted official fee table, but physical currency deposits incur a special handling fee of 1% of deposit amount, minimum $50; third-party/bank fees may apply. Source |
| Withdrawal fee | No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source | Two free withdrawal requests per calendar month; after the second withdrawal IBKR charges listed fees by currency/method (example USD: wire 10.00, check 4.00, ACH/EFT/SEPA 1.00). Source |
| Inactivity fee | No inactivity fee; UK fee page lists inactivity fee as €0. Source | USD 0 inactivity fee for IBKR Pro and IBKR Lite account minimums page. Source |
Markets, platforms & payments | ||
| Tradable assets | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source | Stocks, ETFs, options, futures, spot currencies, bonds, mutual funds and cash-balance services, with availability varying by entity/country/account permission. Source |
| Trading platforms | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source | IBKR Desktop, Trader Workstation, IB Gateway, IBKR Mobile and web/client portal tools. Source |
| Account types | 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 | Supports individual and institutional accounts; official minimums page also distinguishes advisor, family office, hedge fund and broker account structures. Source |
| Deposit methods | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source | Wire transfer, check, direct bank transfer/ACH, SEPA/regional bank transfers where available, and securities transfer methods such as ACATS; physical cash deposits are against policy. Source |
| Withdrawal methods | Withdrawals go back to the primary registered/linked bank account; only uninvested cash in the Cash Account can be withdrawn. Source | Bank wire/transfer, checks and regional transfer rails such as BACS/GIRO/ACH/EFT/SEPA where available; securities transfer methods such as ACATS may also apply. Source |
| Withdrawal processing time | Withdrawals may take up to 2-4 working days; transfers can take up to 2-3 working days to complete. Source | Not captured as a single verified processing-time SLA; varies by withdrawal method, currency, region and receiving bank. 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.