Updated September 28, 2026 · BrokerCue Editorial Team
justTRADE vs SoFi
What sets them apart
| Compare |  justTRADE |  SoFi |
|---|---|---|
| Stock trade fee | €0 | $0 |
| Markets | Stocks, ETFs, Crypto | Stocks, ETFs, Options, CryptoCovers more |
| Regulators | Federal Financial Supervisory Authority (BaFin) | SIPC, FDIC |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Minimum deposit | Not confirmed | $0 |
| Account fee | Not confirmed | $0 |
| Inactivity fee | Not confirmed | $0 |
| Account types | Not confirmed | IRA, Roth IRA, Joint |
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Key differences
- SoFi scores higher overall: 9.3 vs 8.9.
- Regulators: only justTRADE offers Federal Financial Supervisory Authority (BaFin).
- Regulators: only SoFi offers SIPC, FDIC.
- Markets: only SoFi offers Options.
- Features: only SoFi offers Fractional shares.
Our verdict on each
justTRADE
justTRADE suits euro zone investors who want to hold stocks, ETFs and crypto in one app without paying per trade. It scores 7.1 overall, with stock trade fees of €0 and a mobile app as the main draw, and it is regulated in its home market of DE.
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 | justTRADE | SoFi |
|---|---|---|
| Cost | 9.4Stock trade fees are €0 on the commission-free model, first on stock trade fee among 161 brands. | 9.5HigherRanks 1 of 161 on stock trade fee, 1 of 138 on account fee, 1 of 56 on inactivity fee. |
| Offer | 8.8 | 9.4Higher |
| Trust | 8.6 | 9.2Higher |
Where each is licensed and available
| Country | justTRADE | SoFi |
|---|---|---|
| Germany | Federal Financial Supervisory Authority (BaFin) MiCA CASP 529900YERL5TV5YJCR45 | Not confirmed |
| United States | Not confirmed | SIPC SIPC member 68389 FDIC FDIC cert 26881 |
Additional countries for justTRADE: 1. Additional countries for SoFi: 1.
What we checked
justTRADE
- esma.europa.eu: 4 facts, checked September 26, 2026
- justtrade.com: 4 facts, 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 | justTRADE | SoFi |
|---|---|---|
| Stock and ETF brokers | 163 of 471 | 80 of 471 |
Every fact side by side
| Fact | justTRADE | SoFi |
|---|---|---|
| Features | Crypto, Mobile app | Crypto, Fractional shares, Mobile appCovers more |
| Pricing model | Commission free | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | JT Technologies GmbH | SOFI SECURITIES LLC |
| Headquarters | Germany | United States |
| Founded | Not confirmed | 2011 |
Robo-advisors
| Fact | justTRADE | SoFi |
|---|---|---|
| Portfolio types | Not confirmed | ETF, Cash, Crypto |
Where each stands against the rest
| Fact | justTRADE | SoFi | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | $0below the median | $25 |
| Account fee | Not confirmed | $0at the median | $0 |
| Inactivity fee | Not confirmed | $0at the median | $0 |
Median across 134 listed brokers.
Pros and cons
justTRADE
Pros
- Stock trade fees of €0 on a commission-free pricing model
- Crypto sits alongside stocks and ETFs, so one account covers three asset classes
- Regulated by the Federal Financial Supervisory Authority (BaFin) in Germany
Cons
- Investor protection is EU ICS up to EUR 20,000, the EU scheme cap, so larger portfolios sit above it
- Forex, CFDs and bonds are not among its markets (stocks, etfs and crypto), which cover stocks, ETFs and crypto
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
justTRADE
Who it suits
- Euro zone residents who want one app for stocks, ETFs and crypto
- Long term investors who pay nothing per trade and value regulated custody
- Beginners who want a simple mobile app rather than a wide dealing platform
Who should look elsewhere
- Investors who hold more than the EU investor compensation cap in cash
- Traders who need forex, CFDs, bonds or futures on the same account
- Anyone wanting a stocks and shares ISA or SIPP wrapper
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 | justTRADE | SoFi |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
justTRADE
How much does it cost to buy a stock on justTRADE?+
Stock trade fees are €0 because the broker runs a commission-free model. The site median for stock trade fees is €0, and justTRADE sits first on that measure among the 161 brands compared.
Who regulates justTRADE and where?+
The broker is regulated by the Federal Financial Supervisory Authority (BaFin) in Germany, the country of its registered entity, JT Technologies GmbH. The crypto side runs under a MiCA CASP licence, reference MiCA CASP 529900YERL5TV5YJCR45. German supervision is the regulatory framework that applies to the account.
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.