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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 |  |  |
|---|---|---|
Decision summary | ||
| Overall score | 80 | 91 |
| Trust score | 82 | 100 |
| Cost score | 86 | 92 |
| Platform score | 73 | 94 |
| Withdrawal score | 76 | 89 |
| Best for | EU retail investors focused on stocks/ETFs and savings plans · Users who value app-based investing plus banking/card features · Low-frequency investors comfortable with a limited… | Best suited for U.S.-centric investors and active traders who want a large, bank-affiliated multi-asset brokerage with $0 online listed stock/ETF commissions, strong platform dept… |
| Watch out | Needs verification | Needs verification |
Trust & regulation | ||
| Regulators | Trade Republic Bank GmbH is supervised by BaFin as a German full bank; branch/regional supervision applies in some countries (e.g. DNB, FMA, Banca d'Italia). ECB banking-license context requires manual confirmation for exact current authorisation details. Source | SEC; FINRA; SIPC; CFTC; NFA; FDIC Source |
| License numbers | BaFin-ID 10150368; DNB Relationship Number R197802; HRB 244347 B. Source | Charles Schwab & Co., Inc. CRD 5393; SEC 801-29938 and 8-16514 Source |
| Regulated entities | Trade Republic Bank GmbH plus local branches where applicable. Source | Charles Schwab & Co., Inc.; Charles Schwab Futures and Forex LLC; Charles Schwab Bank, SSB; Charles Schwab Premier Bank, SSB Source |
| Negative balance protection | CFD-style negative balance protection is not applicable; customer must settle negative balances that occur exceptionally. Source | Not disclosed as retail brokerage negative balance protection; futures/forex are leveraged and losses may exceed initial investment. Source |
| Investor compensation | Cash at partner banks protected up to €100,000 per customer per credit institution; money-market fund assets segregated; securities remain customer property. Source | SIPC protection up to $500,000 including a $250,000 cash limit for brokerage account assets; futures accounts are not protected by SIPC. Source |
| Restricted countries | Eligibility is country-specific: residents/tax-liable in the country of registration, European mobile number and SEPA bank account required; U.S. Persons cannot open/maintain custody account. Source | Not all products, services, or investments are available in all countries; Schwab is not registered outside the United States and products/services may not be registered in a user's jurisdiction. Source |
Costs & account conditions | ||
| Minimum deposit | No account minimum deposit disclosed in checked official sources; homepage states investing starts with €1. Source | $0 minimum for standard U.S. brokerage and IRA accounts; Schwab One International accounts require a minimum deposit but amount is not disclosed in checked official pages. Source |
| Spread from | No fixed spread-from figure disclosed; trades include third-party costs and spreads, and displayed quotes are indicative. Source | Not applicable to this stock/ETF investment broker profile; no CFD/FX spread schedule identified as a core product in reviewed sources. Source |
| Commission | €1 for single trades plus third-party costs/spreads; no order commission; savings plans free of brokerage fees. Source | stock_commission: $0 online commission for listed stocks and ETFs; OTC equities $6.95; broker-assisted service charge $25; etf_commission: $0 online commission for listed U.S.-exchange ETFs; options_commission: $0 online base commission plus $0.65 per options contract; futures_commission: $2.25 per contract, per side, for futures and futures options; exchange, regulatory, overnight, NFA, and market-data fees may apply; mutual_fund_commission: $0 on thousands of Schwab Mutual Fund OneSource funds; all other mutual funds up to $74.95 per purchase; bond_commission: New-issue bonds/CDs: $0 online/selling concession included; Treasuries online $0; most other secondary bonds $1 per bond with $10 minimum and $250 maximum; forex_commission: $0 commission; forex trade costs are reflected in the bid/ask spread Source |
| Maximum leverage | Not applicable / not offered as margin trading in checked retail brokerage sources; financial-instrument purchases are generally on a non-borrowing basis. Source | Not disclosed as a single broker-level maximum; leverage/margin depends on product, account approval, and regulatory/product requirements. Source |
| Deposit fee | SEPA deposit fee not disclosed as charged; instant card/mobile-wallet top-up fee may apply and is shown before payment. Source | $0 for funds entering a standard brokerage account; banking deposit services generally no monthly/account minimum fees, but certain services can have fees Source |
| Withdrawal fee | €0 for ATM withdrawals above €100; €1 for ATM withdrawals below €100; third-party ATM fees may apply. Source | No fee for routine withdrawals from standard brokerage per FAQ; full outbound ACAT $50 and outgoing wire $25; Schwab Bank Investor Checking has unlimited ATM fee rebates for cash withdrawals worldwide, subject to conditions. Source |
| Inactivity fee | No inactivity-fee evidence found in checked official homepage/support/legal excerpts; mark not disclosed until the current List of Prices and Services is reviewed in-app/PDF. Source | $0 annual maintenance/inactivity fee for standard brokerage accounts Source |
Markets, platforms & payments | ||
| Tradable assets | Stocks, ETFs, bonds/fixed income, crypto, derivatives, Private Markets and savings plans; availability varies by country. Source | Stocks; fractional shares; ETFs; mutual funds; bonds/CDs/fixed income; money market funds; options; futures; futures options; forex; international stocks/ADRs/foreign ordinaries; cash products; annuities; alternatives; crypto ETPs/securities/futures. Source |
| Trading platforms | Mobile app is primary; Web Trading/web-based interface is supplemental where available. Source | Schwab.com; Schwab Mobile; thinkorswim desktop; thinkorswim web; thinkorswim mobile; paperMoney Source |
| Account types | Consumer-only retail account with custody account plus cash/current clearing account, savings plans, optional child savings account/card features depending on country. Source | Individual Brokerage; Joint Brokerage; Schwab One Brokerage; Investor Checking-linked brokerage; Futures Account; Global Account; IRAs; custodial, education, trust, estate, organization, and business retirement accounts; Schwab Intelligent Portfolios. Source |
| Deposit methods | SEPA bank transfer, credit/debit card and supported mobile wallets; current account accepts SEPA euro deposits. Source | ACH/electronic transfer/MoneyLink; wire transfer; check/mail check; Schwab Mobile Deposit for checking; direct deposit for checking; account transfer/ACAT; branch/in-person deposit where available. Source |
| Withdrawal methods | Cash withdrawals/transfers through app to eligible own account; ATM withdrawals worldwide where Visa accepted for card cash withdrawals. Source | Transfer to linked bank/checking; wire transfer; check; ATM/debit card for Schwab Bank Investor Checking; ACAT outbound account transfer. Source |
| Withdrawal processing time | Cash from sales commonly end-of-day/next day; pending funds usually up to 24h; securities account transfer up to about 3 weeks. Source | Cash moved from brokerage to linked Investor Checking is generally available in seconds, but weekend/after-hours transfers may not be available until the next business day; other withdrawal methods vary/not fully disclosed on checked pages. Source |
BrokerVS provides broker comparison research only. Scores and evidence can vary by country, account type, and legal entity; users should verify source links before opening an account.