Updated October 12, 2026 · BrokerCue Editorial Team
Robinhood vs willbe
What sets them apart
| Compare |  Robinhood |  willbe |
|---|---|---|
| Minimum deposit | $0 | €200 |
| Markets | Stocks, ETFs, Options, Futures, Crypto | ETFs, Funds, Metals |
| Deposit and withdrawal fees | $100 outgoing transfer | Free same-currency deposits and withdrawals |
| Platforms | Robinhood app, Robinhood Legend | Willbe app |
| Stock trade fee | $0 | Not confirmed |
| Account fee | $0 | Not confirmed |
| Inactivity fee | $0 | Not confirmed |
| Regulators | Bank of Lithuania (LSC), LT BL, SIPC | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Currency conversion fee | Not confirmed | 0.3% |
| Margin rate | 3.95% | Not confirmed |
| Options contract fee | $0 | Not confirmed |
| Account types | IRA, Roth IRA, Joint | Not confirmed |
| Maximum retail leverage | 10X | Not confirmed |
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Key differences
- Founded is lower at willbe: 1861 vs 2013.
- Markets: only Robinhood offers Stocks, Options, Futures.
- Markets: only willbe offers Funds, Metals.
- Platforms: only Robinhood offers Robinhood app, Robinhood Legend.
- Platforms: only willbe offers Willbe app.
- Features: only Robinhood offers Crypto, Fractional shares, Options.
- Pricing model: only Robinhood offers Commission free.
- Audience: only Robinhood offers Day traders.
Our verdict on each
Robinhood
Robinhood suits first-time investors and small, regular investors who want nothing charged for holding or trading. It is the cheapest way in on our data, with a minimum deposit of $0, no account fee and no inactivity charge, under the Bank of Lithuania and SIPC.
willbe
willbe pairs phone based saving in nine currencies with ETF, fund, stock and gold investing from Liechtenstein. For savers who want cash style balances and market holdings in one app, it gives a clear starting point for steady long term plans.
Score breakdown
| Area | Robinhood | willbe |
|---|---|---|
| Cost | 9.6HigherStock trades cost $0, options contracts $0, the account fee is $0 and inactivity is $0. | 8.9 |
| Offer | 9.3Higher | 8.9 |
| Trust | 9.3 | 9.9Higher |
Licences and countries
| Country | Robinhood | willbe |
|---|---|---|
| Lithuania | Bank of Lithuania (LSC) MiCA CASP 254900GTP4UXQO1UMI36 LT_BL PSD_PI 306377915 | Not confirmed |
| United States | SIPC SIPC member 69916 | Not confirmed |
Which one suits you
Pick Robinhood if cost and offer matter most.
Pick willbe if trust matter most.
Where these facts come from
Robinhood
- finder.com: 7 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
- mymillennialguide.com: 4 facts, checked September 26, 2026
- financer.com: 2 facts, checked September 26, 2026
- robinhood.com: 1 fact, checked September 26, 2026
willbe
- willbe-invest.com: 12 facts, checked September 26, 2026
How they place
| Ranking | Robinhood | willbe |
|---|---|---|
| Stock and ETF brokers | 13 of 491 | 36 of 491 |
| Brokers for beginners | 6 of 88 | 11 of 88 |
Every fact side by side
| Fact | Robinhood | willbe |
|---|---|---|
| Features | Crypto, Fractional shares, Options, Futures, Mobile appCovers more | Mobile app |
| Pricing model | Commission free, Low feesCovers more | Low fees |
| Audience | Beginners, Day tradersCovers more | Beginners |
| Legal entity | Robinhood Europe UAB | Liechtensteinische Landesbank AG |
| Headquarters | Lithuania | Liechtenstein |
| Founded | 2013 | 1861Lower |
| Support channels | Not confirmed | Email, Phone, Help centre |
Robo-advisors
| Fact | Robinhood | willbe |
|---|---|---|
| Management fee | Not confirmed | 0.49% |
| Minimum investment | Not confirmed | €200 |
| Portfolio types | Not confirmed | ETF, ESG, Cash |
Where each stands against the rest
| Fact | Robinhood | willbe | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Account fee | $0at the median | Not confirmed | $0 |
| Inactivity fee | $0at the median | Not confirmed | $0 |
| Currency conversion fee | Not confirmed | 0.3%below the median | 0.4% |
| Margin rate | 3.95%lowest quarter | Not confirmed | 8.79% |
| Options contract fee | $0lowest quarter | Not confirmed | $0.59 |
Median across 81 listed brokers.
Pros and cons
Robinhood
Pros
- Nothing to pay to open or hold an account, with an account fee of $0 and an inactivity fee of $0
- Trading a share costs $0, so a small first order is not eaten by commission
- You can start with a deposit of $0, lower than most brands on our data
Cons
- Leverage is available at 10X, which magnifies losses as well as gains
- Outgoing transfers carry a charge of $100 outgoing transfer
- Margin borrowing is priced at a margin rate of 3.95%, so interest adds to your cost
willbe
Pros
- One app covers saving alongside ETF, stock and gold investing
- Nine currency balances support everyday spending and saving abroad
- Physical gold option adds a tangible stability element
Cons
- Phone led service focused on app use alone
- Learning material such as the blog is offered in German only
- ETF and fund choice centres on a set savings plan range
Who each suits
Robinhood
Who it suits
- Beginners opening a first account with a small deposit
- Day-traders working in options, futures and crypto on mobile
- Retirement investors using an IRA, Roth IRA or joint account
Who should look elsewhere
- Vantage if a flat minimum deposit of $5 suits you better
- CFI if you want forex and CFDs alongside shares, since its markets cover stocks, etfs and forex
- eToro if social copy trading matters more than options and futures
willbe
Who it suits
- Phone led savers who like currency choice and gold
- Long term planners who prefer steady diversification
Who should look elsewhere
- Readers who want desktop software or in person advice
- Readers who want English language guides and blogs
Current offers
willbe
Current offer
First period offer
Download the app and save 3 months of fees: 3 months of fees free
Source, checked September 26, 2026
Questions about each
Robinhood
What does it cost to trade shares on Robinhood?+
Trading a share costs $0, and an options contract costs $0. There is also an account fee of $0 and an inactivity fee of $0, so nothing is taken for simply holding the account open. Borrowing on margin is charged at a margin rate of 3.95%, which is the main running cost if you use leverage.
Is there a minimum deposit to open a Robinhood account?+
The minimum deposit is $0, so you can open an account and place a small first order without funding a large balance. It is worth comparing that with the deposits other brands ask for before you commit, since the figure varies widely across the market. Outgoing transfers are charged at $100 outgoing transfer, so factor that in if you plan to move money out early.
willbe
Where is willbe based and who is behind it?+
willbe is the finance app from Liechtenstein. It comes from Liechtensteinische Landesbank and brings saving and investing together in one app for long term building of assets. Liechtenstein gives direct access to the EEA and is noted for a balanced national budget and an AAA standing.
How does the willbe app work?+
You manage saving and investing through the willbe app on your phone. You can hold cash style balances, run a savings plan and view gold, ETF, stock and managed options side by side. The layout keeps everyday balances and long term holdings in one clear view.
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