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Best framed as a U.S.-focused low-cost, app-first multi-asset broker for self-directed stocks/ETFs/options, with newer futures and separate crypto access. Strong official evidence…

European self-directed investors seeking low-cost access to stocks and ETFs · Investors who prefer web/mobile platforms and exchange-traded products

Webull Financial LLC is SEC-registered and FINRA/SIPC/NYSE/NASDAQ/Cboe EDGX member; futures are CFTC/NFA; Webull Pay LLC is a licensed money transmitter for crypto.

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

FINRA CRD 289063; NFA BASIC profile 0528018; Webull Pay NMLS 1886762; Bakkt NMLS 1890144.

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.

Webull product entities include Webull Financial LLC for securities, Webull Futures LLC/Webull Financial LLC futures disclosures, Webull Advisors LLC for advisory, Webull Pay LLC for crypto, and Bakkt as a crypto service provider in some states.

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.

Not disclosed as a general policy; margin and options disclosures state customers can lose more than the original investment/deposit.

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.

SIPC and Excess SIPC apply to Webull Financial LLC securities accounts only; futures and other assets outside the securities account are not covered, and crypto is not FDIC or SIPC insured.

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.

No minimum deposit requirement disclosed for Webull Financial accounts.

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.

Not applicable/not disclosed for commission-free U.S. securities brokerage; futures/crypto execution costs may vary and are product-specific.

Not a quoted-spread CFD/FX broker field. DEGIRO discloses that bid-ask spreads are implicit market costs and not direct broker costs.

Zero stock/ETF/options commissions on U.S.-listed securities, with index option and oversized order contract fees plus pass-through fees.

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.

Deposit costs vary by method and failure/return; current pricing page emphasizes transfer/stock transfer fees but ACH deposit fee is not disclosed as charged.

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

Wire and ACAT/outgoing stock transfer fees are disclosed; ACH withdrawal fee not disclosed in checked pages.

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

No inactivity fee found in checked official pricing/disclosure pages.

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

Stocks, ETFs, options, OTC/fractional/ADR securities, futures, crypto, fixed income/money market and managed ETF portfolios are disclosed, with eligibility caveats.

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

Desktop, web, mobile app, and iPad access are disclosed; Desktop supports Mac, Windows and Linux Ubuntu downloads.

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

Individual cash/margin, IRAs, futures, advisor, entity, joint, event, custodial, and crypto account types.

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.

ACH, wire, direct deposit, debit card, rollover check and internal transfer/crypto-to-brokerage flows appear in official funding/help pages.

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

ACH and wire withdrawals are disclosed; crypto sale proceeds outside NY/Guam/Northern Mariana Islands must be transferred to brokerage before withdrawal.

Withdrawals go back to the primary registered/linked bank account; only uninvested cash in the Cash Account can be withdrawn.

Domestic wire same day/1-2 business days and international up to 5 business days; ACH withdrawal references indicate typically 1-2 business days after processing.

Withdrawals may take up to 2-4 working days; transfers can take up to 2-3 working days to complete.