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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
J.P. Morgan Self-Directed Investing

chase.com

ETF BrokerOptions BrokerETF
DEGIRO

degiro.com

ETF BrokerMulti Asset BrokerETF
Decision summary
Overall score
88
91
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
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

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.