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VS field	Trade Republic traderepublic.com Stock BrokerETF BrokerBond	DEGIRO degiro.com ETF BrokerMulti Asset BrokerETF
Decision summary
Overall score

Trust score	82	100

Cost score	86	92

Platform score	73	92

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…	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	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	Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source
License numbers	BaFin-ID 10150368; DNB Relationship Number R197802; HRB 244347 B. 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	Trade Republic Bank GmbH plus local branches where applicable. 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	CFD-style negative balance protection is not applicable; customer must settle negative balances that occur exceptionally. 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 at partner banks protected up to €100,000 per customer per credit institution; money-market fund assets segregated; securities remain customer property. 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	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	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

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.

Costs & account conditions
Minimum deposit	No account minimum deposit disclosed in checked official sources; homepage states investing starts with €1. 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	No fixed spread-from figure disclosed; trades include third-party costs and spreads, and displayed quotes are indicative. 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	€1 for single trades plus third-party costs/spreads; no order commission; savings plans free of brokerage fees. 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	Not applicable / not offered as margin trading in checked retail brokerage sources; financial-instrument purchases are generally on a non-borrowing basis. 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	SEPA deposit fee not disclosed as charged; instant card/mobile-wallet top-up fee may apply and is shown before payment. Source	No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source
Withdrawal fee	€0 for ATM withdrawals above €100; €1 for ATM withdrawals below €100; third-party ATM fees may apply. 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 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	No inactivity fee; UK fee page lists inactivity fee as €0. Source

Markets, platforms & payments
Tradable assets	Stocks, ETFs, bonds/fixed income, crypto, derivatives, Private Markets and savings plans; availability varies by country. Source	Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source
Trading platforms	Mobile app is primary; Web Trading/web-based interface is supplemental where available. Source	DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. 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	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	SEPA bank transfer, credit/debit card and supported mobile wallets; current account accepts SEPA euro deposits. Source	Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source
Withdrawal methods	Cash withdrawals/transfers through app to eligible own account; ATM withdrawals worldwide where Visa accepted for card cash withdrawals. 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	Cash from sales commonly end-of-day/next day; pending funds usually up to 24h; securities account transfer up to about 3 weeks. 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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