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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.

Broker 1

Broker 2

VS field	SoFi Invest sofi.com ETF BrokerOptions BrokerETF	DEGIRO degiro.com ETF BrokerMulti Asset BrokerETF
Decision summary
Overall score

Trust score	86	100

Cost score	82	92

Platform score	78	92

Withdrawal score	70	89

Best for	Beginner and intermediate U.S. investors · Existing SoFi banking/loan customers wanting an integrated app · Investors seeking $0 stock/ETF/options commissions	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	SoFi Securities LLC is FINRA/SIPC member; SoFi Wealth LLC is an SEC-registered investment adviser. Source	Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source
License numbers	SoFi Securities LLC: CRD# 151717/SEC# 8-68389; SoFi Wealth LLC: CRD# 167958/SEC# 801-78185. 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	SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC; SoFi Wealth provides robo/advisory services and SoFi Securities provides brokerage/self-directed services. 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 identified; SoFi margin disclosure warns it is possible to lose more than the initial investment when using margin. 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	SIPC up to $500,000 including $250,000 cash; not market-loss protection. 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	Official public sources reviewed confirm U.S. state/territory registrations for SoFi Securities but do not provide a complete non-U.S. country restriction list for account opening. 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

SoFi Securities LLC is FINRA/SIPC member; SoFi Wealth LLC is an SEC-registered investment adviser.

Source

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

Source

License numbers

SoFi Securities LLC: CRD# 151717/SEC# 8-68389; SoFi Wealth LLC: CRD# 167958/SEC# 801-78185.

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

SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC; SoFi Wealth provides robo/advisory services and SoFi Securities provides brokerage/self-directed services.

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 identified; SoFi margin disclosure warns it is possible to lose more than the initial investment when using margin.

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

SIPC up to $500,000 including $250,000 cash; not market-loss protection.

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

Official public sources reviewed confirm U.S. state/territory registrations for SoFi Securities but do not provide a complete non-U.S. country restriction list for account opening.

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	Self-Directed minimum to begin investing: $5; Robo-Advisor minimum to begin investing: $50. 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: SoFi Invest is not presented as a forex/CFD spread broker in the researched official 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	$0 commissions on U.S. stocks, ETFs and options; other/regulatory fees 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	No maximum securities margin leverage ratio disclosed in the researched official pages; margin loans use tiered interest rates instead. 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	Incoming ACAT $0; incoming wire $0; returned/insufficient funds $30. Source	No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source
Withdrawal fee	Outgoing ACAT $100; outgoing wire $25; DRS $115/security. Source	No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source
Inactivity fee	$25 per account per 6 months of login inactivity. Source	No inactivity fee; UK fee page lists inactivity fee as €0. Source

Costs & account conditions

Minimum deposit

Self-Directed minimum to begin investing: $5; Robo-Advisor minimum to begin investing: $50.

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: SoFi Invest is not presented as a forex/CFD spread broker in the researched official 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

$0 commissions on U.S. stocks, ETFs and options; other/regulatory fees 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

No maximum securities margin leverage ratio disclosed in the researched official pages; margin loans use tiered interest rates instead.

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

Incoming ACAT $0; incoming wire $0; returned/insufficient funds $30.

Source

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

Source

Withdrawal fee

Outgoing ACAT $100; outgoing wire $25; DRS $115/security.

Source

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

Source

Inactivity fee

$25 per account per 6 months of login inactivity.

Source

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

Source

Markets, platforms & payments
Tradable assets	Stocks, OTC securities, ETFs, options, IPOs, fractional shares, mutual funds, alternative/interval funds, private market funds/SPVs through Templum referral, and managed robo portfolios. Source	Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source
Trading platforms	Trading via the SoFi app or website; app available on iOS and Android. Source	DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source
Account types	Self-Directed includes Roth, Traditional, and SEP IRAs; Robo-Advisor includes Roth, Traditional, and SEP IRAs; Robo supports individual brokerage and retirement accounts. 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	Supported money movement includes incoming ACATs, incoming wires, and ACH/cash transfer from SoFi Bank accounts for eligible IRA contributions; other deposit methods not fully enumerated publicly. Source	Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source
Withdrawal methods	Outgoing ACAT, outgoing wire, and DRS transfers are listed with fees; ACH withdrawal processing/details were not fully disclosed in public fee sources. 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	Public official sources reviewed did not disclose standard withdrawal processing times for SoFi Invest. 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, OTC securities, ETFs, options, IPOs, fractional shares, mutual funds, alternative/interval funds, private market funds/SPVs through Templum referral, and managed robo portfolios.

Source

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

Source

Trading platforms

Trading via the SoFi app or website; app available on iOS and Android.

Source

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

Source

Account types

Self-Directed includes Roth, Traditional, and SEP IRAs; Robo-Advisor includes Roth, Traditional, and SEP IRAs; Robo supports individual brokerage and retirement accounts.

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

Supported money movement includes incoming ACATs, incoming wires, and ACH/cash transfer from SoFi Bank accounts for eligible IRA contributions; other deposit methods not fully enumerated publicly.

Source

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

Source

Withdrawal methods

Outgoing ACAT, outgoing wire, and DRS transfers are listed with fees; ACH withdrawal processing/details were not fully disclosed in public fee sources.

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

Public official sources reviewed did not disclose standard withdrawal processing times for SoFi Invest.

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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