Pros:
✔️ Free to use - no fees for buying or selling ETFs.
✔️ Share lending allows you to earn a small extra return on investments.
✔️ Established for over 20 years and profitable.
✔️ Self-balancing pies and automated savings features.
✔️ Competitive interest on uninvested cash.
✔️ Debit card with 0.5% cashback.
✔️ Competitive interest paid daily for uninvested cash.
Cons:
❌ Not fully independent - uses Interactive Brokers as a backend.
❌ Not a publicly traded company.
❌ EU users (except Germans) are regulated by the Cypriot Authority.
Pros:
✔️ Simple and beginner-friendly interface.
✔️ Free monthly savings plans; otherwise, a flat 1 € fee per order.
✔️ 1% saveback on debit card purchases (max 15 €/month), requiring a 50 € /month savings plan.
✔️ Has WEBN in selection.
✔️ Europe’s largest broker. “Over 8 million users and 100 billion euros of assets across 17 European countries.”