Updated September 29, 2026 · BrokerCue Editorial Team
BUX vs SoFi
Where BUX and SoFi differ
| Compare |  BUX |  SoFi |
|---|---|---|
| Stock trade fee | €3.99 | $0 |
| Account fee | €2.99 | $0 |
| Markets | Stocks, ETFs | Stocks, ETFs, Options, CryptoCovers more |
| Regulators | Dutch Authority for the Financial Markets (AFM) | SIPC, FDIC |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Minimum deposit | Not confirmed | $0 |
| Inactivity fee | Not confirmed | $0 |
| Currency conversion fee | 0.75% | Not confirmed |
| Platforms | BUX app | Not confirmed |
| Account types | Not confirmed | IRA, Roth IRA, Joint |
| Interest on cash | 2% | Not confirmed |
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Key differences
- SoFi scores higher overall: 9.3 vs 8.6.
- Regulators: only BUX offers Dutch Authority for the Financial Markets (AFM).
- Regulators: only SoFi offers SIPC, FDIC.
- Founded is lower at SoFi: 2011 vs 2013.
- Markets: only SoFi offers Options, Crypto.
- Features: only SoFi offers Crypto.
- Pricing model: only BUX offers Low fees.
- Pricing model: only SoFi offers Commission free.
- Audience: only BUX offers Experienced.
Our verdict on each
BUX
BUX suits investors who want a Dutch broker for stocks and ETFs and accept a set fee per trade. It charges an account fee of €2.99 and a stock trade fee of €3.99, which is why the offer score sits at 2.1 and the overall score at 2.1.
SoFi
SoFi suits retirement savers in the US, with a stock trade fee of $0, an account fee of $0 and a minimum deposit of $0. The named licences are US registrations, so readers outside the US should check the account types and terms first.
Score breakdown
| Area | BUX | SoFi |
|---|---|---|
| Cost | 8.4 | 9.5HigherRanks 1 of 161 on stock trade fee, 1 of 138 on account fee, 1 of 56 on inactivity fee. |
| Offer | 8.7 | 9.4Higher |
| Trust | 8.7 | 9.2Higher |
Licences and countries
| Country | BUX | SoFi |
|---|---|---|
| Netherlands | Not confirmed | |
| United States | Not confirmed | SIPC SIPC member 68389 FDIC FDIC cert 26881 |
Sources behind this comparison
BUX
- bux.com: 14 facts, checked September 26, 2026
- fxverify.com: 1 fact, checked September 26, 2026
SoFi
- en.wikipedia.org: 5 facts, checked September 26, 2026
- sofi.com: 5 facts, checked September 26, 2026
- sipc.org: 3 facts, checked September 26, 2026
- banks.data.fdic.gov: 1 fact, checked September 26, 2026
How they place
| Ranking | BUX | SoFi |
|---|---|---|
| Stock and ETF brokers | 203 of 471 | 80 of 471 |
| Brokers for beginners | 59 of 88 | 26 of 88 |
Every fact side by side
| Fact | BUX | SoFi |
|---|---|---|
| Features | Fractional shares, Mobile app | Crypto, Fractional shares, Mobile appCovers more |
| Pricing model | Low fees | Commission free |
| Audience | Beginners, ExperiencedCovers more | Beginners |
| Legal entity | BUX B.V. | SOFI SECURITIES LLC |
| Headquarters | Netherlands | United States |
| Founded | 2013 | 2011Lower |
| Support channels | Email, Chat, Help centre | Not confirmed |
Robo-advisors
| Fact | BUX | SoFi |
|---|---|---|
| Portfolio types | Not confirmed | ETF, Cash, Crypto |
Where each stands against the rest
| Fact | BUX | SoFi | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | $0below the median | $25 |
| Inactivity fee | Not confirmed | $0at the median | $0 |
| Currency conversion fee | 0.75%highest quarter | Not confirmed | 0.45% |
| Interest on cash | 2%lowest quarter | Not confirmed | 3% |
Median across 134 listed brokers.
Pros and cons
BUX
Pros
- Fees follow a low-fee model: a stock trade fee of €3.99 per trade, an account fee of €2.99 and a currency exchange fee of 0.75%.
- Regulated by the Dutch Authority for the Financial Markets (AFM), with money held under the EU ICS up to EUR 20,000.
- Aimed at both beginners and experienced investors, with fractional shares and a mobile app listed in fractional shares and mobile app.
Cons
- The account fee of €2.99 applies on top of a stock trade fee of €3.99, so frequent trading costs add up.
- On stock trade fee it ranks 136 of 161, so cheaper share dealing sits elsewhere.
- Markets are limited to stocks and etfs, where CFI offers stocks, etfs and forex.
SoFi
Pros
- A stock trade costs $0 on a commission free model, so cost does not decide which shares you can hold.
- The account fee is $0 and the inactivity fee is $0, so extra accounts and balances left untouched are not billed.
- The minimum deposit is $0 where Vantage asks $5, so a small amount can start an account.
Cons
- The account types listed are ira, roth ira and joint, retirement and joint accounts, and a general taxable account is not among them.
- Markets stop at stocks, etfs and options, while eToro lists stocks, etfs and forex, so forex, CFDs and futures are out of reach here.
- The group sits in US and its registrations are SIPC member 68389 and FDIC cert 26881, with no UK or EU regulator named.
Who each suits
BUX
Who it suits
- Investors who want a regulated European broker covering stocks and etfs at a flat fee per trade.
- People who prefer mobile investing, since fractional shares and mobile app includes fractional shares and a mobile app.
- Readers who weigh protection first, since money sits under the EU ICS up to EUR 20,000 at a broker regulated by the Dutch Authority for the Financial Markets (AFM).
Who should look elsewhere
- Traders who want forex, contracts for difference or crypto, since CFI covers stocks, etfs and forex and BUX covers stocks and etfs.
- Share dealing fans after a free stock trade fee, since eToro lists $0 against the €3.99 here.
- Anyone put off by a standing charge, given the account fee of €2.99 where Vantage lists $0.
SoFi
Who it suits
- Beginners, which the audience fact lists as beginners, who want to start small with a $0 minimum deposit.
- Retirement savers who want an IRA, a Roth IRA or a joint account at $0 in account fees.
- Fractional share buyers who want crypto and equities in the same app, as the feature list crypto, fractional shares and mobile app shows.
Who should look elsewhere
- Traders after forex, CFDs or futures, since eToro lists stocks, etfs and forex and SoFi lists stocks, etfs and options.
- Investors who want a broader spread of instruments than shares, ETFs, options and crypto, since CFI lists stocks, etfs and forex.
- Readers who need a UK or EU regulated provider, because the licences named are SIPC member 68389 and FDIC cert 26881.
Country by country
| Country | BUX | SoFi |
|---|---|---|
| United States | No | Yes |
Questions about each
BUX
How much does it cost to buy a share at BUX?+
A stock trade costs €3.99 per trade under a low-fee model, and a currency exchange fee of 0.75% applies on currency conversions. Because the trade fee is a flat amount rather than a percentage, the cost does not grow with the size of the order. A flat account fee of €2.99 also applies to the account.
Is there an account or inactivity fee?+
There is an account fee of €2.99, charged on the account regardless of how much it holds. That is a flat charge rather than a percentage, so it does not rise as the portfolio grows. BUX ranks 108 of 138 on this line, which places it towards the expensive end of the brands compared here.
SoFi
What does it cost to open and hold a SoFi account?+
The published minimum deposit is $0, the account fee is $0 and the inactivity fee is $0, so opening and holding an account adds no charge on the listed terms. Those are account level figures, which is the first thing to check before you choose a wrapper or leave a balance untouched.
What does a stock trade cost?+
A stock trade costs $0 and the pricing model is commission free, so commission does not decide which shares you can hold. Other brands on the site charge a stock trade fee as high as €17.54, and the account fee of $0 and inactivity fee of $0 add nothing on top.
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