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U.S. buy-and-hold investors · automated portfolio allocation · fractional-share stock and ETF portfolios

European self-directed investors seeking low-cost access to stocks and ETFs · Investors who prefer web/mobile platforms and exchange-traded products

SEC registered broker-dealer; Member FINRA / SIPC.

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

M1 Finance LLC CRD#: 281242 / SEC#: 8-69670; M1 Advisory Services LLC CRD Number 249787, SEC File Number 801-106511.

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.

Not disclosed in extracted official sources; needs editor review.

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.

No explicit negative balance protection found for brokerage or crypto accounts; margin account disclosures emphasize maintenance calls and possible forced liquidation if equity falls below maintenance requirements.

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.

Member SIPC; securities customers protected up to $500,000 including $250,000 cash. Certain Apex-cleared accounts have excess SIPC. High-Yield Cash balances are eligible for FDIC insurance up to $4.75M when swept to partner banks. Crypto is not SIPC or FDIC insured.

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.

Minimums: $100 individual/joint/custodial brokerage; $5,000 trust; $500 Traditional/Roth/SEP IRA; $100 crypto; High-Yield Cash individual account shows no minimum to open but stated APY requires $100 minimum initial deposit.

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.

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

Not a quoted-spread CFD/FX broker field. DEGIRO discloses that bid-ask spreads are implicit market costs and not direct broker costs.

M1 Finance LLC does not charge commission, trading, or management fees for self-directed brokerage accounts, but platform, regulatory, account closure, ADR and other fees may apply.

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.

Direct ACH deposits from or to connected bank are always free; incoming wire fee is $0, though sending bank may charge.

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

ACH transfers are free; outgoing domestic wire from Earn is $25; outgoing direct account transfers are $100.

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

Low-balance M1 investment accounts with value $50 or less and zero trading or deposit activity for 90+ days will be closed and remaining balance up to $50 charged as a Minimum Balance Fee.

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

Most stocks and ETFs listed on major U.S. exchanges such as NYSE and NASDAQ, certain OTC securities, fractional shares, and selected cryptocurrencies via Bakkt.

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

M1 products are offered via its website and M1 Finance mobile application, available on iOS and Android.

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

Individual Brokerage, Joint Brokerage, Trust, Custodial, Traditional IRA, Roth IRA, SEP IRA, Cash Account (High-Yield Cash), Crypto Account.

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.

External bank connection via Plaid or micro-deposits supports deposits/withdrawals; incoming wires are available for High-Yield Cash/Savings; brokerage transfers can be initiated via ACAT.

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

Withdraw via linked external bank; High-Yield Cash/Savings support outgoing domestic wires by form; direct account transfers out are available for a fee.

Withdrawals go back to the primary registered/linked bank account; only uninvested cash in the Cash Account can be withdrawn.

Wire article lists ACH speed 2-5 business days, incoming wires within 1 business day after receipt, and outgoing wires same business day before 12 PM CT or next business day after cutoff.

Withdrawals may take up to 2-4 working days; transfers can take up to 2-3 working days to complete.