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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 | 87 | 91 |
| Trust score | 91 | 100 |
| Cost score | 86 | 92 |
| Platform score | 92 | 92 |
| Withdrawal score | 89 | 89 |
| Best for | UK residents using ISAs/SIPPs for long-term investing · Investors who want broad funds/shares/ETF access and strong UK support · Clients valuing established platform, app/web usab… | 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), United Kingdom Source | Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source |
| License numbers | FCA register numbers disclosed by HL include 115248 (Hargreaves Lansdown Asset Management Limited), 915119/901007 (Hargreaves Lansdown Savings Limited), 189627 (Advisory Services), and 166016 (Fund Managers). 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 | Main regulated group companies: Hargreaves Lansdown Asset Management Limited; Hargreaves Lansdown Savings Limited; Hargreaves Lansdown Advisory Services Limited; Hargreaves Lansdown Fund Managers 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 to the core unleveraged investment platform products reviewed; no CFD/forex negative balance protection evidence found. 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 protection: up to £85,000 for investment business default; cash held with banks described by HL as protected up to £120,000 per institution, subject to aggregate balances and FSCS limits. 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-focused availability; UK-only website restriction conflicts with account comparison page allowing Fund and Share Account for UK and EEA residents. 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 | Minimums vary: Fund and Share £0 to open; invest from £100 or £25/month. ISA/Lifetime ISA/SIPP £100 or £25/month. Active Savings/Cash ISA savings products start from £1 subject to product. 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 the core HL investment platform; HL discloses dealing commissions, account fees and FX charges rather than CFD/forex spread-from pricing. 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 | Online share dealing: £6.95 or £3.95 depending on prior-month trades; one-off fund trades: £1.95; monthly Direct Debit regular investing: no charge; phone/post: £29 per trade. 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; HL's public investment platform pages reviewed do not offer leveraged forex/CFD trading and present unleveraged investment accounts. 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 platform fee for deposits/top-ups identified; Direct Debit regular investing has no dealing charge. Source | No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source |
| Withdrawal fee | No withdrawal/transfer-out fee for standard Faster Payment withdrawals; no exit fees. Source | No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source |
| Inactivity fee | HL states there are no charges for inactivity. Source | No inactivity fee; UK fee page lists inactivity fee as €0. Source |
Markets, platforms & payments | ||
| Tradable assets | Shares, funds, ETFs, investment trusts, gilts and bonds, VCTs, LTAFs, ready-made investments and cash savings products. Source | Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source |
| Trading platforms | Trade/manage online via website, the HL app, and by phone; phone/post trades carry a higher charge. Source | DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source |
| Account types | HL offers Stocks and Shares ISA, Lifetime ISA, Fund and Share Account, Cash ISA, Junior ISA, SIPP, Active Savings, Junior SIPP and Bare Trust Account. 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 | Add money by debit card, Pay by bank/Easy bank transfer, manual bank transfer, Direct Debit and transfers in. Source | Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source |
| Withdrawal methods | Withdrawals normally go to a nominated bank account; recent card top-ups may be refunded to the debit card; Lifetime ISA house purchase withdrawals go to conveyancer. 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 noon on a working day; next working day after noon/non-working day; 3-5 working days for some debit-card refunds; sell proceeds must settle first. Source | Withdrawals may take up to 2-4 working days; transfers can take up to 2-3 working days to complete. 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.