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Nordic long-term savers and investors · Swedish AF/ISK/KF/Sparkonto users · Fund, ETF and stock investors seeking broad choice

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

Nordnet Bank AB is authorized/supervised by the Swedish Financial Supervisory Authority; FI company register records its Finnish branch.

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

Nordnet Bank AB organization number 516406-0021; FI identification number 17630 for the Finnish branch.

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.

Nordnet group includes regulated banking, pension-insurance and fund-company entities; FI register lists Nordnet Bank AB, Finnish Branch as a foreign branch of a Swedish chartered bank.

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.

For Unlimited Turbos, Nordnet says investors can never lose more than the invested amount. General margin/portfolio-loan and options/futures risk controls need manual review.

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.

Cash/deposit guarantee SEK 1,150,000 per customer/institution; investor protection SEK 250,000; KF/pension insurance protected via preferential right with no upper limit disclosed.

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.

0 SEK deposit requirement shown for AF, ISK, KF, Sparkonto, IPS and pension-insurance account types.

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.

Nordnet Markets explains spread is a customer cost and differs between product types and underlying assets; final/product-specific terms disclose exact spread/financing costs.

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

Commission varies by class and market; Nordic stock classes range from 1 SEK minimum/0.25% to 99 SEK flat. New customers may trade Stockholm-listed shares commission-free until 50,000 SEK savings and max 500 trades/year.

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.

Account-fee table lists Insättningsavgift as 0 kronor; deposit FAQ says Nordnet takes deposits only from other Swedish banks and does not accept deposits from abroad.

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

No general withdrawal fee was found in the extracted official Swedish pages; manual review of full price list recommended for edge/manual/foreign-currency withdrawals.

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

Nordnet's account-fee FAQ lists 0 SEK annual/percentage/deposit/management fees and no inactivity fee was identified in extracted official fee/account pages.

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

Broad multi-asset Nordic brokerage coverage including thousands of stocks, 1,600+ funds, 2,220 ETF results, ETPs, options/futures, bonds/interest products, cash savings, margin lending and pensions.

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

Nordnet supports web, iPhone/Android apps and advanced trader applications including Infront Active Trader; Nordnet Markets fees also reference WinTrade.

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

Swedish retail site lists AF, ISK, KF, savings account, pension accounts and private-banking tiers.

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.

Deposits can be made by direct deposit via Swish or Trustly, bank transfer from another Swedish bank, or via linked bank account/standing transfers.

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

Withdrawals are handled to bank accounts; Swish withdrawals are not supported and Swedish pages state no transfers to/from abroad.

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

The withdrawal-times page did not expose timing details in extraction, so withdrawal processing time requires manual review or logged-in/interactive source verification.

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