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Broker 2

VS field	Trading 212 trading212.com Stock BrokerETF BrokerStock CFD	DEGIRO degiro.com ETF BrokerMulti Asset BrokerETF
Decision summary
Overall score

Trust score	87	100

Cost score	84	92

Platform score	78	92

Withdrawal score	80	89

Best for	Beginner and intermediate stock/ETF investors · UK investors eligible for ISA/SIPP products · Mobile-first users seeking low headline 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	FCA; BaFin; CySEC; ASIC; Bulgaria Financial Supervision Commission Source	Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source
License numbers	FCA 609146; BaFin 10109603; CySEC 398/21; ASIC AFSL 541122; Bulgaria FSC RG-03-0237 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	Trading 212 UK Ltd.; Trading 212 Markets Ltd.; Trading 212 EU GmbH; Trading 212 AU PTY LTD; Trading 212 Ltd. 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	Retail CFD negative balance protection applies; Trading 212 says retail clients cannot lose more than funds deposited and negative balances are adjusted to zero. AU protection is explicitly per AU CFD account. 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	Entity-dependent: UK investment protection FSCS up to GBP 85,000; UK partner-bank deposit protection up to GBP 120,000 per banking group; Cyprus/Bulgaria ICF and German EdW up to 90% limited to EUR 20,000; Germany bank deposit protection up to EUR 100,000 per person per partner bank. 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	Not directed at residents of the United States, Canada and Belgium; other jurisdictions may also be restricted where distribution/use would be contrary to local law or regulation. 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

FCA; BaFin; CySEC; ASIC; Bulgaria Financial Supervision Commission

Source

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

Source

License numbers

FCA 609146; BaFin 10109603; CySEC 398/21; ASIC AFSL 541122; Bulgaria FSC RG-03-0237

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

Trading 212 UK Ltd.; Trading 212 Markets Ltd.; Trading 212 EU GmbH; Trading 212 AU PTY LTD; Trading 212 Ltd.

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

Retail CFD negative balance protection applies; Trading 212 says retail clients cannot lose more than funds deposited and negative balances are adjusted to zero. AU protection is explicitly per AU CFD account.

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

Entity-dependent: UK investment protection FSCS up to GBP 85,000; UK partner-bank deposit protection up to GBP 120,000 per banking group; Cyprus/Bulgaria ICF and German EdW up to 90% limited to EUR 20,000; Germany bank deposit protection up to EUR 100,000 per person per partner bank.

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

Not directed at residents of the United States, Canada and Belgium; other jurisdictions may also be restricted where distribution/use would be contrary to local law or regulation.

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	Invest/ISA terms show £1 minimum deposit where available; CFD terms show £10/€10/$10; Crypto terms/help show €1/$1. Minimum depends on region and account type. 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	CFD spreads are dynamic and change depending on underlying market conditions; average spread is shown per instrument on Trading 212's CFD instruments page/app. 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	Invest/ISA/SIPP trading commission is free; CFD trading commission is free; FX/spread/overnight and third-party costs may 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	Retail CFD leverage/margin: major currency pairs 1:30; minor currency pairs/gold/major indices 1:20; other commodities/minor indices 1:10; stocks and ETFs 1:5; crypto-asset CFDs 1:2 for Australian retail clients. Professional-account terms may differ. 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	Bank transfers and instant bank transfers remain free. Card, Google Pay, Apple Pay, OpenBankingPL or Klarna deposits to Invest/ISA are fee-free until cumulative GBP/EUR 2,000; after that 0.7%. CFD deposits remain fee-free. Source	No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source
Withdrawal fee	Trading 212 does not charge withdrawal fees; receiving banks/payment processors may charge their own fees outside Trading 212's control. 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 fees associated with a Trading 212 account. Source	No inactivity fee; UK fee page lists inactivity fee as €0. Source

Costs & account conditions

Minimum deposit

Invest/ISA terms show £1 minimum deposit where available; CFD terms show £10/€10/$10; Crypto terms/help show €1/$1. Minimum depends on region and account type.

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

CFD spreads are dynamic and change depending on underlying market conditions; average spread is shown per instrument on Trading 212's CFD instruments page/app.

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

Invest/ISA/SIPP trading commission is free; CFD trading commission is free; FX/spread/overnight and third-party costs may 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

Retail CFD leverage/margin: major currency pairs 1:30; minor currency pairs/gold/major indices 1:20; other commodities/minor indices 1:10; stocks and ETFs 1:5; crypto-asset CFDs 1:2 for Australian retail clients. Professional-account terms may differ.

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

Bank transfers and instant bank transfers remain free. Card, Google Pay, Apple Pay, OpenBankingPL or Klarna deposits to Invest/ISA are fee-free until cumulative GBP/EUR 2,000; after that 0.7%. CFD deposits remain fee-free.

Source

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

Source

Withdrawal fee

Trading 212 does not charge withdrawal fees; receiving banks/payment processors may charge their own fees outside Trading 212's control.

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 fees associated with a Trading 212 account.

Source

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

Source

Markets, platforms & payments
Tradable assets	Invest and Stocks ISA: ordinary shares, preferred shares, ETFs, ETPs, ETCs, REITs and investment trusts. CFD: forex, stocks, ETFs, index futures, commodity futures, forex futures, treasury futures and cryptocurrencies where available. Source	Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source
Trading platforms	Trading 212 proprietary web and mobile apps; official site prompts users to get the app and open/log in online; app store pages are linked via Trading 212 GetTheApp. Source	DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source
Account types	Invest, Stocks ISA, SIPP, CFD, Cash ISA, Crypto, and card-related services; availability depends on profile and jurisdiction. 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	Bank transfers, instant bank transfers, card payments, OnlineBankingPL, Carte Bancaire, Blik, Direct eBanking, Apple/Google Pay and iDEAL; availability varies by region/account type. Source	Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source
Withdrawal methods	Withdrawals are made in-app by selecting an account, amount and payment method; exact methods depend on previously verified/available payment methods and region/account type. 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	Withdrawals may take up to three business days after execution; pending withdrawals awaiting settlement can take 1–2 business days before processing; SWIFT/some card payouts may take 2–3 business days. 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

Invest and Stocks ISA: ordinary shares, preferred shares, ETFs, ETPs, ETCs, REITs and investment trusts. CFD: forex, stocks, ETFs, index futures, commodity futures, forex futures, treasury futures and cryptocurrencies where available.

Source

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

Source

Trading platforms

Trading 212 proprietary web and mobile apps; official site prompts users to get the app and open/log in online; app store pages are linked via Trading 212 GetTheApp.

Source

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

Source

Account types

Invest, Stocks ISA, SIPP, CFD, Cash ISA, Crypto, and card-related services; availability depends on profile and jurisdiction.

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

Bank transfers, instant bank transfers, card payments, OnlineBankingPL, Carte Bancaire, Blik, Direct eBanking, Apple/Google Pay and iDEAL; availability varies by region/account type.

Source

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

Source

Withdrawal methods

Withdrawals are made in-app by selecting an account, amount and payment method; exact methods depend on previously verified/available payment methods and region/account type.

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

Withdrawals may take up to three business days after execution; pending withdrawals awaiting settlement can take 1–2 business days before processing; SWIFT/some card payouts may take 2–3 business days.

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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