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Canadian DIY investors · Registered-account investors · ETF and stock investors seeking $0 commissions

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

Aviso Financial Inc. is registered in Canadian provinces/territories where it accepts accounts and is a member of CIRO.

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

Specific registration or licence numbers were not disclosed in the reviewed Qtrade pages.

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.

Aviso Financial Inc. is the regulated entity behind Qtrade Direct Investing.

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 negative balance protection disclosed; margin risk disclosure states margin trading can amplify losses and investors may lose more than initial investment.

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.

CIPF member; Qtrade crypto-ETF page says Qtrade Direct Investing accounts are protected by CIPF coverage up to applicable limits.

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.

No minimum deposit to begin trading in a Qtrade account.

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.

No quoted spread-from applies to ordinary securities trading; Qtrade may earn revenue on foreign exchange conversions but the conversion spread was not disclosed.

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

Core online commission schedule is $0 for equities/ETFs/mutual funds, $0 + $0.75 per options contract, fixed income $1 per $1,000 face value.

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.

EFT is free for all accounts.

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

EFT free; registered withdrawal and transfer-out fees apply.

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

Current official fee schedule and 2025 Qtrade announcement indicate quarterly administration fees were eliminated; no explicit inactivity fee was found in reviewed current fee schedule.

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

Stocks, ETFs, mutual funds, bonds, options, GICs, new issues and crypto ETFs.

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

Web platform, Android app, iPhone/iOS app and trial account.

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

Cash, margin, and multiple registered and non-personal account types.

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.

Funding methods include EFT, Interac e-Transfer, bill payment, direct deposit and account transfer.

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

Withdrawals use EFT or registered account withdrawal/de-registration workflows; Interac e-Transfer is deposit only.

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

Withdrawal processing time was not disclosed in reviewed official public pages; funding via bill payment/EFT is disclosed as 1-2 business days, with EFT funds subject to up to 10 business days clearing.

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