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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.

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VS field	Stake hellostake.com ETF BrokerMutual Fund PlatformETF	DEGIRO degiro.com ETF BrokerMulti Asset BrokerETF
Decision summary
Overall score

Trust score	82	100

Cost score	78	92

Platform score	78	92

Withdrawal score	74	89

Best for	Australian investors wanting CHESS-sponsored ASX holdings · AU/NZ investors wanting simple U.S. stock/ETF access · Beginner-to-intermediate self-directed investors who value simpl…	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	Australia: ASIC via AFSL/authorised representative; New Zealand: FMA financial advice licence and FSP registration; U.S. partner DriveWealth is SEC/FINRA regulated and SIPC member. Source	Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source
License numbers	AU FSG lists Stake AR 1241398, Stakeshop AFSL 548196, DriveWealth SEC No. 8-69161 and FINRA CRD 165429, FinClear Execution AFSL 246842, FinClear Services AFSL 338364, Airwallex AFSL 487221. NZ site lists NZBN 9429047452152 and FSP774414. 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	Stake is an authorised representative of Stakeshop AFSL Pty Ltd; services use FinClear for Australian execution/clearing, DriveWealth for U.S. securities, Airwallex for payments/FX and K2 for Stake Accumulate. 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	Not disclosed in checked official pages; because this is not a CFD/forex broker claim, human review is needed before assigning a regulatory protection label. 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	U.S. securities are held through DriveWealth, a SIPC member; Stake also states DriveWealth sweeps uninvested USD cash to Citibank where FDIC coverage may apply. AU FSG says Stake holds Professional Indemnity Insurance for AFSL activities. 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	Public official sources reviewed clearly support Australia and New Zealand availability but do not provide a full restricted-country list. AU terms reserve the right not to open accounts for residents outside Australia; NZ terms restrict account opening to NZ resident individuals. 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

Australia: ASIC via AFSL/authorised representative; New Zealand: FMA financial advice licence and FSP registration; U.S. partner DriveWealth is SEC/FINRA regulated and SIPC member.

Costs & account conditions
Minimum deposit	No general minimum deposit was found in checked official pricing, FSG, withdrawal and terms pages; trade/funding minimums apply by product/market. 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 for listed securities brokerage; Stake discloses brokerage and FX fees rather than spreads for share/ETF trades. 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	Stake charges flat brokerage on AU and U.S. equity trades, with percentage pricing above 30,000 in the relevant currency. 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 leverage was disclosed in checked public Stake pages; Stake is primarily a listed securities platform rather than a CFD/forex leverage broker. 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	AU FSG lists card funding fees: debit 0.5%, credit 2.5%. General bank-transfer deposit fee was not disclosed in checked sources. Source	No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source
Withdrawal fee	AU support: Stake AUS withdrawal fee free; Wall St no withdrawal fee charged by Stake, but FX fees may apply. NZ support: no withdrawal fee charged by Stake, FX fee 1% minimum $2. Source	No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source
Inactivity fee	Stake support says no inactivity fees nor account keeping fees regardless of portfolio size, cash balance or time away. Source	No inactivity fee; UK fee page lists inactivity fee as €0. Source

Markets, platforms & payments
Tradable assets	AU customers can trade 2,500+ ASX-listed securities and 9,500+ U.S. stocks/ETFs/government bonds/OTC securities; homepage says 12K+ stocks and ETFs; Stake Accumulate is an income investment fund. Source	Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source
Trading platforms	Stake supports web trading at trading.hellostake.com and mobile apps on iOS/Android; minimum OS requirements are iOS 16 and Android 12. Source	DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source
Account types	AU terms define Joint Account to include account types other than individual including company, trust and SMSF; NZ terms say NZ accounts can be opened by New Zealand resident individuals over 18. 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	Stake discloses Airwallex wallet/payment services and card funding via debit/credit cards including Apple Pay and Google Pay; bank-transfer deposits must be from an account in the customer's own name. Source	Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source
Withdrawal methods	Withdrawals go to one linked bank account in the account holder's name and cannot be sent to third-party accounts; AU withdrawals are paid in AUD. 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	Recent deposits, transfers or sell proceeds need to clear first, usually 2-3 business days; processing times may vary. 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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