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Broker 2

VS field	Scalable Capital scalable.capital Stock BrokerETF BrokerMutual Fund	DEGIRO degiro.com ETF BrokerMulti Asset BrokerETF
Decision summary
Overall score

Trust score	91	100

Cost score	90	92

Platform score	86	92

Withdrawal score	78	89

Best for	Long-term ETF savings-plan investors · German/EU residents seeking a low-cost neobroker · Investors wanting app/web access to stocks, ETFs, funds, bonds and ETPs	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	Supervised by BaFin and Deutsche Bundesbank; ECB authorised deposit and lending business. Source	Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source
License numbers	Commercial register HRB 217778. BaFin permission is disclosed, but no numeric BaFin register/license number was found in checked official sources. LEI 391200Y3EUNL4LTXRP94 found via Bloomberg LEI record. 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	Scalable Capital Bank GmbH is a German credit institution permitted by BaFin to provide banking and investment services and supervised by BaFin and Deutsche Bundesbank. 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 CFD/forex margin negative-balance-protection claim found; Scalable is primarily execution-only securities/ETP broker plus credit product. Credit-financed investments carry repayment and margin-call risks. 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	Cash protection depends on allocation: statutory deposit guarantee up to €100,000 per bank/client, PRIME+ up to 5 x €100,000 across banks, or UCITS standards for qualifying money market funds; investments can lose value. 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	Service is aimed at residents in Germany, Austria, Italy, Spain, metropolitan France and the Netherlands; applicants must not be subject to US taxation / US person rules. 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

Supervised by BaFin and Deutsche Bundesbank; ECB authorised deposit and lending business.

Source

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

Source

License numbers

Commercial register HRB 217778. BaFin permission is disclosed, but no numeric BaFin register/license number was found in checked official sources. LEI 391200Y3EUNL4LTXRP94 found via Bloomberg LEI record.

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

Scalable Capital Bank GmbH is a German credit institution permitted by BaFin to provide banking and investment services and supervised by BaFin and Deutsche Bundesbank.

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 CFD/forex margin negative-balance-protection claim found; Scalable is primarily execution-only securities/ETP broker plus credit product. Credit-financed investments carry repayment and margin-call risks.

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

Cash protection depends on allocation: statutory deposit guarantee up to €100,000 per bank/client, PRIME+ up to 5 x €100,000 across banks, or UCITS standards for qualifying money market funds; investments can lose value.

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

Service is aimed at residents in Germany, Austria, Italy, Spain, metropolitan France and the Netherlands; applicants must not be subject to US taxation / US person rules.

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 broker minimum deposit to open; reference-account verification can be done with €1. Broker and ETF/stock/crypto/fund savings plans start from €1; Overnight has no minimum deposit; Wealth starts from €20 monthly savings amount. 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	Crypto ETP spread surcharge: 0.99% FREE, 0.69% PRIME+. Other product costs, spreads, crypto fees and/or inducements may apply. 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	FREE: €0.99 per trade on EIX/gettex except PRIME ETFs from €250; PRIME+: €0 per eligible trade from €250 and €0.99 below €250; all savings plan executions €0; Xetra €3.99 plus venue fee. 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	No retail CFD leverage schedule found. Scalable offers a secured credit product up to €250,000, variable borrowing rate charged quarterly, not a margin/CFD leverage offering. 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	Transfer/direct debit deposits €0; Instant deposits cost 0.99% in FREE or 0.69% in PRIME+, with every additional euro above €5,000 free. Source	No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source
Withdrawal fee	No explicit withdrawal-fee line was found in checked official fee and FAQ pages; standard/instant withdrawal methods and timing are disclosed but pricing was not isolated. 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 was found in checked official fee pages; fee page says FREE has no fixed payment and custody fees are €0, but does not explicitly state inactivity fee. Source	No inactivity fee; UK fee page lists inactivity fee as €0. Source

Costs & account conditions

Minimum deposit

No broker minimum deposit to open; reference-account verification can be done with €1. Broker and ETF/stock/crypto/fund savings plans start from €1; Overnight has no minimum deposit; Wealth starts from €20 monthly savings amount.

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

Crypto ETP spread surcharge: 0.99% FREE, 0.69% PRIME+. Other product costs, spreads, crypto fees and/or inducements may apply.

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

FREE: €0.99 per trade on EIX/gettex except PRIME ETFs from €250; PRIME+: €0 per eligible trade from €250 and €0.99 below €250; all savings plan executions €0; Xetra €3.99 plus venue fee.

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

No retail CFD leverage schedule found. Scalable offers a secured credit product up to €250,000, variable borrowing rate charged quarterly, not a margin/CFD leverage offering.

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

Transfer/direct debit deposits €0; Instant deposits cost 0.99% in FREE or 0.69% in PRIME+, with every additional euro above €5,000 free.

Source

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

Source

Withdrawal fee

No explicit withdrawal-fee line was found in checked official fee and FAQ pages; standard/instant withdrawal methods and timing are disclosed but pricing was not isolated.

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 was found in checked official fee pages; fee page says FREE has no fixed payment and custody fees are €0, but does not explicitly state inactivity fee.

Source

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

Source

Markets, platforms & payments
Tradable assets	Stocks, ETFs, funds, derivatives, bonds/fixed income, crypto ETPs, commodity/precious-metal/foreign-exchange ETPs and private equity via ELTIFs. Source	Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source
Trading platforms	Scalable Broker can be used in app and on the web; registration via iOS or Android mobile app is possible. Source	DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source
Account types	FREE Broker, PRIME+ Broker, Scalable Wealth, Scalable Overnight account, Scalable Kid’s account. 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	Deposit methods include standard SEPA transfer, SEPA instant/Instant Payments, SEPA direct debit and internal transfers. Source	Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source
Withdrawal methods	Withdrawals to verified reference account by standard withdrawal or SEPA instant withdrawal. 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	Standard withdrawal 1-2 bank working days; SEPA instant within seconds; securities-sale proceeds withdrawable after two bank working days; direct-debit/Instant deposits have an eight-week security hold before withdrawal. 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, funds, derivatives, bonds/fixed income, crypto ETPs, commodity/precious-metal/foreign-exchange ETPs and private equity via ELTIFs.

Source

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

Source

Trading platforms

Scalable Broker can be used in app and on the web; registration via iOS or Android mobile app is possible.

Source

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

Source

Account types

FREE Broker, PRIME+ Broker, Scalable Wealth, Scalable Overnight account, Scalable Kid’s account.

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

Deposit methods include standard SEPA transfer, SEPA instant/Instant Payments, SEPA direct debit and internal transfers.

Source

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

Source

Withdrawal methods

Withdrawals to verified reference account by standard withdrawal or SEPA instant withdrawal.

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

Standard withdrawal 1-2 bank working days; SEPA instant within seconds; securities-sale proceeds withdrawable after two bank working days; direct-debit/Instant deposits have an eight-week security hold before withdrawal.

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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