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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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VS field	Interactive Brokers interactivebrokers.com Stock BrokerETF BrokerOption	DEGIRO degiro.com ETF BrokerMulti Asset BrokerETF
Decision summary
Overall score

Trust score	94	100

Cost score	88	92

Platform score	93	92

Withdrawal score	80	89

Best for	Active traders · Advanced investors · International-market investors	European self-directed investors seeking low-cost access to stocks and ETFs · Investors who prefer web/mobile platforms and exchange-traded products

Watch out	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…	Needs verification

Trust & regulation
Regulators	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	Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source
License numbers	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	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	Major regulated entities include Interactive Brokers LLC plus UK, Ireland, Australia, Hong Kong, India, Japan and Singapore affiliates. 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 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	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	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	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	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	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

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.

Costs & account conditions
Minimum deposit	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	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	Spot currency spreads advertised as narrow as 1/10 pip on Interactive Brokers Australia pricing overview; spreads vary by product/entity/market. 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	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	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 expressed as a single max leverage figure; margin requirements are product-, account-, entity- and regulation-dependent and IBKR applies real-time risk margin. 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	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	No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source
Withdrawal fee	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	No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source
Inactivity fee	USD 0 inactivity fee for IBKR Pro and IBKR Lite account minimums page. Source	No inactivity fee; UK fee page lists inactivity fee as €0. Source

Markets, platforms & payments
Tradable assets	Stocks, ETFs, options, futures, spot currencies, bonds, mutual funds and cash-balance services, with availability varying by entity/country/account permission. Source	Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source
Trading platforms	IBKR Desktop, Trader Workstation, IB Gateway, IBKR Mobile and web/client portal tools. Source	DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source
Account types	Supports individual and institutional accounts; official minimums page also distinguishes advisor, family office, hedge fund and broker account structures. 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	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	Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source
Withdrawal methods	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	Withdrawals go back to the primary registered/linked bank account; only uninvested cash in the Cash Account can be withdrawn. Source
Withdrawal processing time	Not captured as a single verified processing-time SLA; varies by withdrawal method, currency, region and receiving bank. 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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