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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	J.P. Morgan Self-Directed Investing chase.com ETF BrokerOptions BrokerETF	DEGIRO degiro.com ETF BrokerMulti Asset BrokerETF
Decision summary

Trust score	100	100

Cost score	76	92

Platform score	92	92

Withdrawal score	89	89

Best for	U.S. Chase banking customers · Long-term taxable and IRA investors · Beginners wanting a simple web/mobile brokerage	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	J.P. Morgan Securities LLC is registered with the SEC and is a member of FINRA, MSRB and SIPC. Source	Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source
License numbers	FINRA BrokerCheck lists J.P. Morgan Securities LLC as CRD# 79 / SEC#: 801-3702, 8-35008. 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	Investment products and services are offered through J.P. Morgan Securities LLC (JPMS). 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 negative balance protection is advertised; official margin risk disclosure says losses can exceed initial investment. 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	J.P. Morgan Securities LLC is a SIPC member; investment products are not FDIC insured and can lose principal. 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	Requires U.S. residence/tax eligibility; citizens of OFAC countries are excluded for W-9 tax-paying non-U.S. citizens. 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

J.P. Morgan Securities LLC is registered with the SEC and is a member of FINRA, MSRB and SIPC.

Source

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

Source

License numbers

FINRA BrokerCheck lists J.P. Morgan Securities LLC as CRD# 79 / SEC#: 801-3702, 8-35008.

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

Investment products and services are offered through J.P. Morgan Securities LLC (JPMS).

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 negative balance protection is advertised; official margin risk disclosure says losses can exceed initial investment.

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

J.P. Morgan Securities LLC is a SIPC member; investment products are not FDIC insured and can lose principal.

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

Requires U.S. residence/tax eligibility; citizens of OFAC countries are excluded for W-9 tax-paying non-U.S. citizens.

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	No minimum amount required to open a J.P. Morgan Self-Directed Investing account; pricing page also says trading can start with as little as $1. 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 to this stock/ETF investment broker profile; no CFD/FX spread schedule identified as a core product in reviewed sources. 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	Unlimited $0 commission online trades for eligible U.S.-listed stocks, ETFs, options and mutual funds; options contract fees and other fees 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	For margin trades, client must pay at least 50% of the trade; house and regulatory requirements vary. This is not CFD/FX leverage. 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	J.P. Morgan says it does not charge a fee to transfer cash into the account; external bank may charge fees. Source	No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source
Withdrawal fee	Outgoing wire and full transfer/termination fees apply; ordinary cash withdrawal fee needs manual confirmation. 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 found on official online investing pricing page or Guide; annual account fees in the broader guide may apply to some full-service brokerage accounts, not clearly to current Self-Directed Investing. Source	No inactivity fee; UK fee page lists inactivity fee as €0. Source

Costs & account conditions

Minimum deposit

No minimum amount required to open a J.P. Morgan Self-Directed Investing account; pricing page also says trading can start with as little as $1.

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 to this stock/ETF investment broker profile; no CFD/FX spread schedule identified as a core product in reviewed sources.

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

Unlimited $0 commission online trades for eligible U.S.-listed stocks, ETFs, options and mutual funds; options contract fees and other fees 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

For margin trades, client must pay at least 50% of the trade; house and regulatory requirements vary. This is not CFD/FX leverage.

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

J.P. Morgan says it does not charge a fee to transfer cash into the account; external bank may charge fees.

Source

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

Source

Withdrawal fee

Outgoing wire and full transfer/termination fees apply; ordinary cash withdrawal fee needs manual confirmation.

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 found on official online investing pricing page or Guide; annual account fees in the broader guide may apply to some full-service brokerage accounts, not clearly to current Self-Directed Investing.

Source

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

Source

Markets, platforms & payments
Tradable assets	Stocks, ETFs, mutual funds, money market funds, fixed income/bonds, brokered CDs, options and cryptocurrency ETFs are available; direct cryptocurrency is not supported. Source	Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source
Trading platforms	Invest and manage the account in the Chase Mobile app or at chase.com. Source	DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source
Account types	Self-Directed Investing offers non-retirement and retirement accounts, including Traditional and Roth IRAs; joint accounts are available with conditions; UTMA and margin are offered. 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 options include moving cash from Chase or external bank accounts, transferring investments, rolling over retirement assets and depositing checks. Source	Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source
Withdrawal methods	Cash and investment transfers are supported; fee schedule lists wire transfer and full account transfer/termination fees. 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	Settlement/availability timing is generally 1-3 business days depending on transaction type; exact outgoing withdrawal processing is not fully disclosed publicly. 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

Stocks, ETFs, mutual funds, money market funds, fixed income/bonds, brokered CDs, options and cryptocurrency ETFs are available; direct cryptocurrency is not supported.

Source

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

Source

Trading platforms

Invest and manage the account in the Chase Mobile app or at chase.com.

Source

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

Source

Account types

Self-Directed Investing offers non-retirement and retirement accounts, including Traditional and Roth IRAs; joint accounts are available with conditions; UTMA and margin are offered.

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 options include moving cash from Chase or external bank accounts, transferring investments, rolling over retirement assets and depositing checks.

Source

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

Source

Withdrawal methods

Cash and investment transfers are supported; fee schedule lists wire transfer and full account transfer/termination fees.

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

Settlement/availability timing is generally 1-3 business days depending on transaction type; exact outgoing withdrawal processing is not fully disclosed publicly.

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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