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DEGIRO vs AJ Bell Youinvest 2020

StockBrokers.com | January 23rd, 2020

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Is AJ Bell Youinvest better than DEGIRO? After scoring UK share dealing accounts on over 40 different variables, AJ Bell Youinvest is better than DEGIRO. AJ Bell Youinvest charges £9.95 per trade and a discounted £4.95 per trade for investors who place over ten trades a month. AJ Bell offers high-quality research driven by Morningstar as well as an impressive mobile app. Conversely, AJ Bell offers an average trading platform and basic education resources.

Overall Rating

Feature DEGIRO AJ Bell Youinvest
Overall 3.5 4
DEGIRO Review AJ Bell Youinvest Review

Trading Fees

Feature DEGIRO AJ Bell Youinvest
Share Trading: 0-9 Deals/ Month
 £ 1.75 + 0.022% £9.95
Share Trading: 10-19 Deals/ Month
 £ 1.75 + 0.022% (Maximum £ 5.00) £4.95
Share Trading: 20+ Deals/ Month
 £ 1.75 + 0.022% (Maximum £ 5.00) £4.95
Annual Custody Fee: £0 - £250,000*
 0% 0.25% (Max £7.50 per quarter)
Bonds - Government (Gilts) - Fee
 € 2.00 + 0.068% £9.95
ETFs - Fee
 €2 + 0.038% £9.95
Investment Trusts - Fee
 € 7.50 + 0.10% +.2% annually £9.95
Telephone Dealing Fee*
 € 10.00 + 0.10% per order £29.95
Commissions & Fees 5 4
Winner check_circle

Platforms & Tools

Feature DEGIRO AJ Bell Youinvest
Desktop Platform (Windows)
 No No
Web Platform
 Yes Yes
iPhone App
 Yes Yes
Android App
 Yes Yes
Stock Alerts
No No
Charting - Indicators / Studies
 23 10
Charting - Drawing Tools
 0 1
Charting - Notes
 No No
Charting - Display Corporate Events
 Yes Yes
Charting - Stock Overlays
 No Yes
Platform & Tools 3 3
Winner check_circle

Research

Feature DEGIRO AJ Bell Youinvest
Research - Shares
 Yes Yes
Research - CFDs
 No No
Research - Funds
 Yes Yes
Fund Research - Research Reports
 No Yes
Research - ETFs
 No Yes
Research - Bonds
 No Yes
Portfolio Allocation Breakdown
 No Yes
Research 1 4
Winner check_circle

Investments

Feature DEGIRO AJ Bell Youinvest
Share Trading
 Yes Yes
CFD Trading
 No No
Funds
 Yes Yes
ETFs
 Yes Yes
Bonds - Corporate
 Yes Yes
Bonds - Government (Gilts)
 Yes Yes
Investment Trusts
 Yes Yes
Spread Betting
 No No
Advisor Services
 No No
Offering of Investments 3.5 3
Winner check_circle

Education

Feature DEGIRO AJ Bell Youinvest
Has Education - Share Trading
 Yes Yes
Has Education - Funds
 No Yes
Has Education - Retirement
 No Yes
Client Webinars
 No No
Client Webinars (Archived)
 No Yes
Education 3.5 3.5

Overall

Feature DEGIRO AJ Bell Youinvest
DEGIRO Review AJ Bell Youinvest Review
Overall 3.5 4
Winner check_circle
Our UK.StockBrokers.com team spent seven months and hundreds of hours assessing 12 different share dealing accounts for buying shares online in the UK. In total, 46 individual variables were assessed. For this review, we will compare AJ Bell Youinvest vs DEGIRO.

To start this comparison, first, we will take a look at the fees charged for dealing in the UK. It's important to note that not only is there the cost to place the trade, but most share dealing brokers also charge a monthly, quarterly, or annual management fee depending on the type and size of your portfolio. We assessed both to provide a single star rating for cost. DEGIRO's score is 5.00 stars versus AJ Bell Youinvest's 4.00 stars.

Further breaking down costs, we analyzed four different trading scenarios. For all four scenarios, we are assuming a £30,000 portfolio for custody fees.

Scenario 1 - If you make 1 trade a month, or 12 per year, the fees with DEGIRO wold be £34.68 and the fees with AJ Bell Youinvest would be £149.40.

Scenario 2 - 3 trades per month, for a total of 36 trades per year. AJ Bell Youinvest would charge £388.20 while DEGIRO would charge £104.04.

Scenario 3 - 10 trades per month, for a total of 120 trades per year. AJ Bell Youinvest would charge £624 while DEGIRO would charge £346.8.

Scenario 4 - If you make 20 trades a month, or 240 per year, the fees with DEGIRO wold be £693.6 and the fees with AJ Bell Youinvest would be £1218.

Cost aside, we can now turn our focus to popular tools and features investors prefer in the UK. Account access is certainly at the top of the list, and AJ Bell Youinvest provides its clients with ISA, ISA - Junior, SIPP and SIPP - Junior while DEGIRO provides clients access to none of these. Looking at charting, the number of drawing tools and total technical indicators made available are important as well as stock alerts. DEGIRO trails AJ Bell Youinvest by 1 total charting tools, with AJ Bell Youinvest offering 1 and DEGIRO offering 0. AJ Bell Youinvest trails DEGIRO by 13 total different indicators (for example, moving averages), with DEGIRO offering 23 and AJ Bell Youinvest offering 10. AJ Bell Youinvest nor DEGIRO offers basic stock alerts. Finally, for conducting research while share dealing, having access to mutual fund research reports is also helpful. AJ Bell Youinvest makes fund research reports available to clients, while DEGIRO does not.

Overall, between AJ Bell Youinvest and DEGIRO, AJ Bell Youinvest is the winner.

AJ Bell Youinvest Review
DEGIRO Review

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All pricing data was obtained from a published web site as of 01/15/2020 and is believed to be accurate, but is not guaranteed. The UK.StockBrokers.com staff is constantly working with its online broker representatives to obtain the latest pricing data. If you believe any data listed above is inaccurate, please contact us using the link at the bottom of this page.

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