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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.

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Broker 2

VS field	Freetrade freetrade.io ETF BrokerMutual Fund PlatformETF	DEGIRO degiro.com ETF BrokerMulti Asset BrokerETF
Decision summary
Overall score

Trust score	89	100

Cost score	88	92

Platform score	82	92

Withdrawal score	78	89

Best for	UK beginners and long-term investors · Low-cost ISA/GIA/SIPP investing · Commission-free UK, US and European stock/ETF trades	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	["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 FRN 783189"] 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	[{"name":"Freetrade Limited","jurisdiction":"United Kingdom","regulator":"Financial Conduct Authority","licenseNumber":"783189"}] 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 for reviewed cash investment accounts; no leveraged products disclosed 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	{"scheme":"Financial Services Compensation Scheme (FSCS)","cash":"up to £120,000 per person per financial institution for eligible deposits","investments":"up to £85,000 for eligible investments","limitations":"Does not cover investment performance losses"} 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	{"availableTo":"UK residents only","restricted":"Non-UK residents; Channel Islands and Isle of Man residents unavailable; US citizens including dual nationals cannot sign up"} 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

["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 FRN 783189"]

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

[{"name":"Freetrade Limited","jurisdiction":"United Kingdom","regulator":"Financial Conduct Authority","licenseNumber":"783189"}]

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 for reviewed cash investment accounts; no leveraged products disclosed

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

{"scheme":"Financial Services Compensation Scheme (FSCS)","cash":"up to £120,000 per person per financial institution for eligible deposits","investments":"up to £85,000 for eligible investments","limitations":"Does not cover investment performance losses"}

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

{"availableTo":"UK residents only","restricted":"Non-UK residents; Channel Islands and Isle of Man residents unavailable; US citizens including dual nationals cannot sign up"}

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	Start investing from £1; fractional shares from £2 disclosed in SIPP charges schedule 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	No broker spread schedule disclosed; customers face market bid-offer 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	£0 commission for buying and selling stocks and ETFs; other charges 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	not applicable: no margin/leveraged CFD service found in official investment account 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	not clearly disclosed in extracted official funding pages Source	No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source
Withdrawal fee	Standard cash withdrawal fee not clearly disclosed; Plus same-day withdrawals have no additional cost; SIPP UFPLS withdrawals cost £240 Source	No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source
Inactivity fee	not disclosed in extracted official sources Source	No inactivity fee; UK fee page lists inactivity fee as €0. Source

Costs & account conditions

Minimum deposit

Start investing from £1; fractional shares from £2 disclosed in SIPP charges schedule

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

No broker spread schedule disclosed; customers face market bid-offer 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

£0 commission for buying and selling stocks and ETFs; other charges 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

not applicable: no margin/leveraged CFD service found in official investment account 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

not clearly disclosed in extracted official funding pages

Source

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

Source

Withdrawal fee

Standard cash withdrawal fee not clearly disclosed; Plus same-day withdrawals have no additional cost; SIPP UFPLS withdrawals cost £240

Source

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

Source

Inactivity fee

not disclosed in extracted official sources

Source

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

Source

Markets, platforms & payments
Tradable assets	["UK stocks","US stocks","European stocks","ETFs","investment trusts","mutual funds","gilts","UK Treasury Bills","REITs"] Source	Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source
Trading platforms	["iOS app","Android app","Web platform"] Source	DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source
Account types	["General Investment Account (GIA)","Stocks and shares ISA","Junior stocks and shares ISA (JISA)","Self-invested personal pension (SIPP)"] 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	["linked UK bank account","instant bank transfer","Apple Pay","Google Pay"] Source	Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source
Withdrawal methods	["linked UK bank 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	Standard/Basic: typically 2-3 working days, up to 5; Plus: same day before 2 PM working day or next working day after cutoff/weekend/bank holiday 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

["UK stocks","US stocks","European stocks","ETFs","investment trusts","mutual funds","gilts","UK Treasury Bills","REITs"]

Source

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

Source

Trading platforms

["iOS app","Android app","Web platform"]

Source

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

Source

Account types

["General Investment Account (GIA)","Stocks and shares ISA","Junior stocks and shares ISA (JISA)","Self-invested personal pension (SIPP)"]

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

["linked UK bank account","instant bank transfer","Apple Pay","Google Pay"]

Source

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

Source

Withdrawal methods

["linked UK bank 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

Standard/Basic: typically 2-3 working days, up to 5; Plus: same day before 2 PM working day or next working day after cutoff/weekend/bank holiday

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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