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Broker 1

Broker 2

VS field	Interactive Investor ii.co.uk Multi Asset BrokerETF BrokerETF	DEGIRO degiro.com ETF BrokerMulti Asset BrokerETF
Decision summary
Overall score

Trust score	88	100

Cost score	84	92

Platform score	82	92

Withdrawal score	78	89

Best for	UK tax-resident self-directed investors · ISA/SIPP investors consolidating larger portfolios · Investors who value flat platform fees over percentage fees	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	Interactive Investor Services Limited is authorised and regulated by the Financial Conduct Authority. Source	Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source
License numbers	Financial Services Register Firm Reference Number 141282. 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	Brokerage services are provided by Interactive Investor Services 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	Negative balance protection not presented as a standard feature; not a leveraged CFD broker. 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 certain limits for eligible customers; details depend on asset/cash arrangement. 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	Retail Trading Account requires UK tax resident aged 18 or over; company accounts have UK restrictions. Treat non-UK availability as needs 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

Interactive Investor Services Limited is authorised and regulated by the Financial Conduct Authority.

Source

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

Source

License numbers

Financial Services Register Firm Reference Number 141282.

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

Brokerage services are provided by Interactive Investor Services 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

Negative balance protection not presented as a standard feature; not a leveraged CFD broker.

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 certain limits for eligible customers; details depend on asset/cash arrangement.

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

Retail Trading Account requires UK tax resident aged 18 or over; company accounts have UK restrictions. Treat non-UK availability as needs 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

Costs & account conditions
Minimum deposit	Regular investing minimum is £25 per month; standard account opening/deposit minimum not clearly disclosed in checked pages. 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 or not broker-level for this investment-platform profile; review if leveraged products apply. 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	Trading costs vary by plan: UK/US shares including ETFs and investment trusts from £2.99-£3.99; funds £0-£3.99; other international shares £5.99-£9.99; regular investments free. 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	No leverage product found; platform focuses on funded 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 explicit deposit fee found in checked official sources. Source	No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source
Withdrawal fee	SIPP pension cash withdrawals have no additional charges; general withdrawal fee not disclosed in extracted pages. Source	No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source
Inactivity fee	No inactivity fee located in official charges page or terms excerpt reviewed. Source	No inactivity fee; UK fee page lists inactivity fee as €0. Source

Costs & account conditions

Minimum deposit

Regular investing minimum is £25 per month; standard account opening/deposit minimum not clearly disclosed in checked pages.

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 or not broker-level for this investment-platform profile; review if leveraged products apply.

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

Trading costs vary by plan: UK/US shares including ETFs and investment trusts from £2.99-£3.99; funds £0-£3.99; other international shares £5.99-£9.99; regular investments free.

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

No leverage product found; platform focuses on funded 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 explicit deposit fee found in checked official sources.

Source

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

Source

Withdrawal fee

SIPP pension cash withdrawals have no additional charges; general withdrawal fee not disclosed in extracted pages.

Source

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

Source

Inactivity fee

No inactivity fee located in official charges page or terms excerpt reviewed.

Source

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

Source

Markets, platforms & payments
Tradable assets	Tradable assets include shares, funds, ETFs, investment trusts, bonds/gilts and money market funds across UK and international markets. Source	Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source
Trading platforms	Orders can be placed on the website, by telephone, or through trading apps; ii mobile app supports trading and account management. Source	DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source
Account types	Core retail accounts include Stocks & Shares ISA, Managed ISA, Personal Pension/SIPP, Trading Account, Junior ISA, Joint Trading Account, Company Account and Cash Savings. 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	Funding methods include instant bank payment, debit card, Direct Debit, bank transfer for SIPP contributions and transfers from another provider. Source	Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source
Withdrawal methods	Cash withdrawals can be initiated via app in GBP after setting up a withdrawal bank account; SIPP withdrawals include tax-free cash, drawdown and lump sums. 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 withdrawal processing time not found in official sources reviewed. 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

Tradable assets include shares, funds, ETFs, investment trusts, bonds/gilts and money market funds across UK and international markets.

Source

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

Source

Trading platforms

Orders can be placed on the website, by telephone, or through trading apps; ii mobile app supports trading and account management.

Source

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

Source

Account types

Core retail accounts include Stocks & Shares ISA, Managed ISA, Personal Pension/SIPP, Trading Account, Junior ISA, Joint Trading Account, Company Account and Cash Savings.

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

Funding methods include instant bank payment, debit card, Direct Debit, bank transfer for SIPP contributions and transfers from another provider.

Source

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

Source

Withdrawal methods

Cash withdrawals can be initiated via app in GBP after setting up a withdrawal bank account; SIPP withdrawals include tax-free cash, drawdown and lump sums.

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 withdrawal processing time not found in official sources reviewed.

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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