Personal Capital vs DEGIRO

Personal Capital vs DEGIRO Comparison Table 2024
Personal Capital	DEGIRO
Review 3.3	Review 2.8

Empower (formerly Personal Capital) is a popular, SEC-regulated US financial advisory and investment platform that offers pensions, ready-made investment plans and do-it-yourself, commission-free investing through a large range of mutual funds, ETFs, individual equities and fixed-income securities. The broker has an impressive 3.4 million clients.	DEGIRO is a Netherlands-headquartered broker with millions of users and authorization from leading regulators, including the BaFin and FCA. Clients can access global exchanges anytime, anywhere, and on any device. DEGIRO offers stock trading with exceptionally low fees and a huge range of markets. DEGIRO are not CFD brokers and do not offer CFDs.
	Investing involves risk of loss
Comment by Reviewer
"Personal Capital (now Empower) is a great option for investors seeking a flexible way to build an investment portfolio or pension plan. It is a particularly good fit for US traders owing to the SEC oversight."	"Degiro is perfect for low-cost stock trading on US, UK and European markets with a straightforward platform and app. Casual investors will appreciate that there are no inactivity fees while long-term traders will rate the wide selection of ETFs."
Pros
FDIC-insured cash account with no minimum balance requirement Segregated client funds with a top-tier custodian bank A wealth of free financial analysis and planning tools Easy-to-use platform and financial dashboard Well-known and popular investing platform Strong regulatory oversight from SEC Mobile app	Low minimum deposit Multiple account currencies Commission-free stock trading Access 50 exchanges in 30 countries Beginner-friendly platform and app Regulated by BaFin and FCA No inactivity fee 90+ global awards 2+ million users
Cons
Wealth management services only for customers with $100,000+ in invested assets No forex, futures or cryptocurrencies An annual advisory fee of 0.89% No demo account US residents only	No copy trading No demo account No MT4 integration No CFD trading Few payment methods
Awards
Best for Portfolio Management 2020	Best Online Broker - Qualebroker 2022 (Italy) Best Broker For ETFs And Investment Funds - Qualebroker 2022 (Italy) Best Discount Broker - Broker Chooser 2022 (UK) Best Broker For Stock Trading - Broker Chooser 2022 (UK)
Instruments
Stocks, ETFs, Mutual Funds, Fixed Income	Stocks, ETFs, Bonds, Futures, Options, Warrants
Demo Account
No	No
Minimum Deposit
$1 (Cash), $100,000 (Robo Advisor)	$0
Trading Platforms
Own	Own
Payment Methods
Wire Transfer	Sofort Trustly Wire Transfer
Minimum Trade
Variable	Variable
Regulator
SEC	BaFin, FCA
Margin Trading
No	Yes
Margin Rate
	4%
STP Account
No	No
ECN Account
No	No
DMA Account
No	Yes
MAM Account
No	No
PAMM Account
No	No
LAMM Account
No	No
Demat Account
No	No
AI / Machine Learning
No	No
Robo Advisor
Yes	No
Negative Balance Protection
No	Yes
Market Maker
No	No
P2P Trading
No	No
Spot Trading
No	No
Mobile Apps
iOS & Android	iOS, Android & Windows
Auto Trading
Yes (Auto Portfolios)
Copy Trading
No	No
Social Trading
No	No
VPS Hosting
No	No
Tournaments
No	No
Demo Competitions
No	No
Ethical Investing
Yes	Yes
Custodial Account
No	Yes
Guaranteed Stop Loss
No	No
Inactivity Fee
	$0
Islamic Account
No	No
Account Currencies
USD	USD EUR GBP SEK NOK DKK CHF PLN CZK
Stock Exchanges
Dow Jones Nasdaq New York Stock Exchange S&P 500	Australian Securities Exchange (ASX) Borsa Italiana Chicago Mercantile Exchange Deutsche Boerse Euronext Hong Kong Stock Exchange London Stock Exchange Nasdaq New York Stock Exchange SIX Swiss Exchange Tokyo Commodity Exchange Toronto Stock Exchange
Commodities
	Aluminium Coffee Cannabis Copper Cotton Gasoline Gold Livestock Oil Silver

Review	Review
	Investing involves risk of loss
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