If you search for a comparison of these three brokers, you’ll find plenty of them. Most end with a recommendation and a signup link. That’s a common way to fund this kind of content.
We’re not affiliated with any broker, we earn nothing if you open an account anywhere, and we’re not going to tell you which one to pick.
Please read the disclaimer at the end of the article.
Be careful with what you read and where you read it
When you open the first few articles on this, you usually see the same thing: lists and tables of commissions per trade, one number nicely highlighted, and a recommendation at the end. Numbers are useful, but they’re far from the only thing worth considering.
Let’s say you buy an ETF once a quarter. The gap between a $1 commission and a $2.20 one costs you about five dollars a year. Meanwhile a €30 fee every time you withdraw, or €50 charged for not trading for six months, or a funding method that doesn’t work from your bank at all – those cost real money, and this info is much more useful.
Two of these three brokers aren’t one company but four, spread across Malta, Cyprus, the UK and Hong Kong. Which one holds your account decides what happens if things go wrong, and review sites tend to quote whichever protection scheme across the group sounds best, without checking if it even covers the person reading. Let’s make it more factual and useful!
Facts about these three brokers
Before any comparison, here’s more info about each. Two things are worth noticing as you read. All three are legitimate, regulated firms – this isn’t a question of which is safe and which isn’t. They differ enormously in who they’re built for.
Interactive Brokers
IBKR started in 1978, trades on Nasdaq, and is by far the largest of the three. If you live in Ukraine, Interactive Brokers LLC handles your account – the US entity, regulated by the SEC and FINRA. Here’s a bit more:
- Protection. SIPC covers you up to $500,000 per client, including $250,000 in cash, and Lloyd’s adds excess coverage above that. That’s the highest of the three.
- Cost. IBKR asks for no minimum deposit and charges no inactivity fee. US share commissions start at $0.005 per share on the fixed tier, with a $1 minimum per order. You get two free withdrawals a month, then pay $10 for a dollar wire. Currency conversion costs about 0.03% if IBKR does it for you, or 0.002% with a $2 minimum if you place the trade yourself.
- What it covers. Stocks, options, futures, bonds and funds across more than 150 markets in over 30 countries. Ukrainian residents can buy US-domiciled ETFs, which EU-resident clients can’t.
- Who it suits. IBKR built the platform for professionals. It does more than the other two and asks more of you in return. Support runs through web tickets and moves slowly.
- If you’re in Ukraine IBKR doesn’t hold hryvnia and won’t take card payments, so a SWIFT transfer is effectively your only way in. It also checks where you physically are rather than trusting the address you typed – it paid OFAC $11.8 million in July 2025 over exactly that failure.
Freedom24
Freedom24 is the European arm of Freedom Holding Corp, which trades on Nasdaq under FRHC and reports to the SEC. Your account is with Freedom Finance Europe Ltd, a Cyprus company holding CySEC licence CIF 275/15 since 2015. It runs a Ukrainian-language site and accepts Ukrainian clients. Here’s more:
- Protection. The Cyprus Investor Compensation Fund covers you up to €20,000 if the firm fails. Client assets should sit in segregated accounts, though Freedom24’s own terms allow for the possibility that they’re held non-segregated.
- Cost. Freedom24 asks for no minimum deposit. Commissions depend on your plan, starting around €2 plus €0.02 per share on the entry tier. Withdrawals cost €7 each, with no free allowance. It also offers a deposit account paying interest on idle balances, which the other two brokers don’t.
- What it covers. Stocks, ETFs, bonds, options and futures across 15 exchanges in the US, UK, Europe and Hong Kong. No fractional shares, so you buy whole units or nothing.
- Who it suits. Freedom24 aims at retail investors who want more than a basic app but less complexity than a professional terminal. Registration is simpler than IBKR’s and the interface is friendlier.
- If you’re in Ukraine. In October 2022, presidential decrees enacted NSDC sanctions against ТОВ “Фрідом Фінанс Україна” (the group’s Ukrainian subsidiary). The НКЦПФР (Ukraine’s securities regulator) suspended five of its licences, and 12,748 securities accounts holding 3.5 billion hryvnia were frozen. They stayed frozen for more than two years; a January 2025 decree finally gave the regulator powers to start returning assets to clients who cleared vetting.
Freedom Finance Europe, the Cyprus entity you’d open an account with today, is a separate legal person and was not sanctioned. Економічна правда (a Ukrainian business news outlet) reported it at the time: clients who held accounts with the Cyprus company rather than the Ukrainian subsidiary kept access to their securities throughout. Be sure to read Freedom24 reviews yourself.
Exante
Exante launched in 2011 and is the smallest and most specialised of the three. Its founders still control it through a Malta holding company, and it isn’t publicly listed. Which entity holds your account matters more here than with the other two brokers. Exante operates through four: EXT Ltd in Cyprus under CySEC licence 165/12, XNT Ltd in Malta under the MFSA, LHCM Ltd in the UK under FCA reference 789421, and XHK Ltd in Hong Kong. Many articles mention the UK entity’s FSCS cover of £85,000 alongside Exante, but LHCM only accepts professional clients and eligible counterparties, so a retail investor won’t be there. You’d trade through a European entity, where the cover is €20,000. Here’s more:
- Cost. Exante requires a minimum deposit of €10,000 for individuals and €50,000 for companies. It charges €50 if you don’t trade for six months and the balance is low, and €30 for every withdrawal regardless of size. US share commissions start at around $0.02 per share, and it charges nothing for custody.
- What it covers. Over a million instruments across more than 50 exchanges – stocks, ETFs, bonds, futures, options, currencies and metals, all from one multi-currency account, with direct market access and FIX and HTTP APIs.
- Who it suits. Exante built its platform for professional traders, asset managers and institutions. It also doesn’t accept US clients at all.
- If you’re in Ukraine. The €10,000 minimum is harsh and unaffordable for most casual traders. If you clear it, the questions worth asking are which entity you’d be assigned to, and if the funding method you have available actually works.
Three traders founded Exante in 2011: Alexey Kirienko, Anatoly Knyazev and Gatis Eglitis. Kirienko and Knyazev are Russian-born and later acquired Maltese citizenship through the country’s investment programme – Kirienko in 2016, Knyazev in 2019.
In August 2015 the SEC brought a case over one of the largest financial cybercrime schemes on record: hackers stole more than 100,000 unpublished press releases from newswire services, and traders used them to deal ahead of the market, generating over $100 million in illicit profits. Exante was named as a defendant, and client assets were frozen.
The SEC dismissed its claims against Exante. On 17 February 2016 the Commission stated in its own litigation release that it “dismissed claims previously filed against Exante based on the same trades”, at the same time as charging nine of Exante’s brokerage customers. Malta’s regulator had dropped its parallel money laundering inquiry a few months earlier. Read Exante reviews yourself before making a choice.
|
Criterion |
Interactive Brokers |
Freedom24 |
Exante |
|
Entity serving Ukrainians |
Interactive Brokers LLC (US) |
Freedom Finance Europe Ltd (Cyprus) |
European entity (Cyprus or Malta) |
|
Regulator |
SEC, FINRA |
CySEC (CIF 275/15) |
CySEC (165/12), MFSA (IS/52182) |
|
Investor protection |
SIPC $500,000, incl. $250,000 cash, plus excess |
ICF €20,000 |
ICF €20,000 |
|
Minimum deposit |
None |
None |
€10,000 individuals, €50,000 companies |
|
US share commission |
From $0.005/share, $1 min |
From €2 + €0.02/share |
From ~$0.02/share |
|
Withdrawal fee |
2 free monthly, then $10 |
€7, no free allowance |
€30 |
|
Inactivity fee |
None |
None |
€50 after six months |
|
Fractional shares |
Yes |
No |
Yes |
|
Markets |
150+ in 30+ countries |
15 exchanges |
50+ exchanges |
|
Founded |
1978 |
2011 (group) |
2011 |
|
Publicly listed |
Yes (Nasdaq) |
Parent yes (Nasdaq, FRHC) |
No |
Criterion one – what happens if the broker fails
We’ve picked out the criteria that actually affect things, in roughly the order they eliminate options. As before, we’re not recommending anything and we don’t earn anything. The choice is yours to make.
Start with the worst case, because it’s the one people check last until things go sideways.
If a broker becomes insolvent, a compensation scheme covers you up to a certain limit, and these limits differ quite a bit. A client of Interactive Brokers LLC has SIPC cover of $500,000, including $250,000 in cash, plus excess cover above that. A client of Freedom Finance Europe or one of Exante’s European entities has the Cyprus Investor Compensation Fund’s €20,000.
As you see, the difference is huge, and it only matters once. But when it does, you’ll be very happy you got at least some of your money back. Compensation schemes cover the firm failing and being unable to return your assets, not your investments losing value. Nothing protects you from a falling market. The scheme that protects you belongs to the entity, not the entire brand. Exante’s UK company carries FSCS cover of £85,000, but it only takes professional clients.
So the question isn’t “is this broker safe”. All three are regulated firms. The question is which legal entity you’ll be a client of, what that entity’s scheme covers, and if that’s enough for the amount you’re planning to hold.
Criterion two – can you fund it from Ukraine at all
Ukrainian card payments to securities brokers are blocked – merchant category 6211 doesn’t go through at all. Wise no longer registers users with a Ukrainian address, and Revolut closed Ukrainian accounts in February 2026. Both were the standard recommendation until recently.
What’s left is a SWIFT transfer from a Ukrainian bank, and for larger sums that means paperwork: correspondent banks usually want an invoice generated on the broker’s platform plus documentation of where the money came from. Some payment services still work for smaller amounts, though several charge monthly fees that only make sense if you’re moving money regularly.
None of this depends on which of the three brokers you choose. It depends on your bank, your documents and the amount of money you’re going to work with. There’s no point comparing commission structures for an account you can’t put money into.
Two tips:
- Choose a funding method before you open an account, not after. People pick a broker on fees, complete the onboarding, and then they notice they can’t invest a single penny.
- And remember – the funding method usually decides your exit too. Brokers commonly restrict clients in higher-risk jurisdictions to withdrawing only where they deposited from, so your first transfer may as well become your withdrawal method.
You can get more info in our guide to international transfers.
Criterion three – the real cost
When comparing fees and commissions, work out what you’ll actually do in a year, then price that. Someone buying one ETF each quarter makes four trades. At $1 a trade that’s $4; at $2.20 it’s about $9. The difference over a year is buying a coffee.
Now price everything else – a €7 withdrawal fee, taken monthly, costs $84 a year. A €30 withdrawal fee costs $360. A €50 inactivity charge applies if you go six months without trading, which is exactly what a long-term buy-and-hold investor does. And don’t forget about currency conversion on top of all of it: if you’re funding in dollars and buying in euros, something converts, and doing it at a bank rather than the broker can cost more than every commission you’ll pay that year combined.
The minimum deposit is another important thing – one broker asks for nothing while another one asks for €10,000. This factor alone decides for a lot of people before any fees apply.
There are other things that matter too – no fractional shares means you buy whole units. If a share costs $400 and you invest $200 a month, you’ll have to wait two months or buy something else. A deposit account paying interest on idle cash is worth real money if you hold cash between purchases and nothing if you don’t.
Think of a rough annual picture of your own trading behaviour – how often you’ll trade, how often you’ll withdraw, how much sits idle, what currency you’re funding in – and price the three against that.
Take this short quiz and find out how prepared you are.
- 1 minute
Criterion four – what you actually plan to do
If you’re buying an index fund every few months and holding it for years, your priorities are the cost of getting money in and out, if inactivity charges apply, and the protection limit for a balance that grows over time. Commission per trade barely registers – you’ll make maybe four trades a year. Watch for inactivity fees especially, since doing nothing is your entire strategy.
If you’re starting with a few hundred dollars to see how it works, your minimum deposits are a deciding factor. So does fractional share availability: without it, a $200 monthly contribution won’t buy a $400 share. And the fixed costs (like withdrawal fees and minimum commissions) eat a much larger share of a small account than a large one.
If you’re trading actively, commission structures genuinely matter, along with execution quality, market depth and platform capability.
If you want something specific, like options, bonds, futures, a particular exchange, an API, you’ll need a broker that can satisfy these needs. Availability differs between the three, and there’s no point weighing fees on an instrument your broker doesn’t offer.
If you’re holding a substantial amount, the protection limit becomes another important deciding factor. A balance above €20,000 at a European entity is above the compensation scheme’s limit, and that’s worth thinking about before it happens.
Criterion five – how you get out
Withdrawal fees come first, because you’ll pay them again and again. A free allowance each month is useful if you take money out regularly. A flat fee on every withdrawal, whatever the size, punishes small ones – €30 to move €200 is 15%.
Then: where can the money actually go? Brokers often restrict clients in riskier jurisdictions to withdrawing only where they deposited from. Ask each one if that applies to you, because if it does, your first deposit becomes your withdrawal method.
All three brokers send money only to an account in your own name, and a mismatch is one of the most popular reasons withdrawals fail. Your spouse’s account, your ФОП (sole proprietorship) account usually require a separate approval, if it’s allowed at all.
And if you ever want to quit, you need to think about it before you decide to. Good news first: you can usually move your positions to another broker instead of selling them, so you don’t crystallise a taxable gain or whatever the market happens to be doing that week. Closing the account, though, comes with its own rules on currencies, waiting periods and how the last payment reaches you.
So, before your first deposit, ask these questions:
- Where can this money go when I want it back?
- What does each withdrawal cost?
- What does leaving actually involve?
What matters in Ukraine and nowhere else
Info above applies to almost everyone choosing between these three brokers, but there are some things specific to Ukrainians:
- Taxes are on you. None of the three withholds Ukrainian tax or reports anything to the ДПС (Ukraine’s tax authority). You calculate what you owe, convert every transaction to hryvnia at the NBU rate for that date, declare by 1 May and pay by 1 August. It’s covered properly in our guide to declaring income from shares.
- Where you physically are can matter more than your passport. After paying OFAC $11.8 million in 2025 over clients trading from sanctioned territories, IBKR now verifies location using IP data rather than trusting the address on your form. If your registration or your actual location is anywhere near occupied or frontline territory, ask before you open an account.
- Funding methods keep getting fewer. Wise, Revolut, cards – all were standard advice, but they don’t work now. Whatever funding method you plan around today, check it still exists before you commit to it.
- The records are on you. Every purchase and sale, in hryvnia, at the rate on the day it happened must be written down by you. Nobody does this for you, and reconstructing three years of active trade a week before a deadline is going to be a very unpleasant experience.
Common mistakes
- Comparing commissions first. It’s the easiest number to find and usually the least useful. Better think of how your trading year actually goes – four trades, a few withdrawals, whatever it looks like – and price that instead.
- Not checking which company you’d be with. Protection belongs to the legal entity, not the company’s name or brand. A group can hold four licences, and only one of them will ever cover you.
- Opening an account before understanding your funding method. It’s a common order to do things in, but not the best one: you pick on fees, pass verification, then find out the money can’t get there.
- Trusting outdated guides. A lot of articles still list Wise or Revolut for funding. Neither works for new users now.
- Not thinking of how to exit. Withdrawal fees, where the money can go, what closing an account involves – it’s all published, and much easier to read before you deposit than after.
- Assuming €20,000 of cover is plenty. It might be. But it depends on how much you’re planning to hold.
- Thinking “regulated” means the same everywhere. All three brokers mentioned here are properly regulated. But the compensation behind those regulators differs by about twenty-five times.
- Brokers don’t do your taxes. They just don’t. That’s on you from the very first trade.
- Going with someone else’s choice. Ours included – the right answer depends on your amount, your habits, your funding method and what you want to buy. Choose based on you, not someone else.
Frequently Asked Questions
Is Freedom24 safe?
Is Exante a scam?
What happened between Exante and the SEC?
Which broker has the best investor protection?
Which broker is best for Ukrainians?
What's the minimum deposit for each?
Do any of them handle Ukrainian tax?
Key numbers and terms
Key numbers - investor protection
$500,000 – SIPC cover per client at Interactive Brokers LLC, including $250,000 in cash
€20,000 – Cyprus Investor Compensation Fund cover, applying to Freedom24 and Exante’s European entities
£85,000 – FSCS cover at Exante’s UK entity, which only takes professional clients
~25x – the gap between the highest and lowest cover of the three
Minimums
0 – minimum deposit at Interactive Brokers
0 – minimum deposit at Freedom24
€10,000 – Exante’s minimum for individuals
€50,000 – Exante’s minimum for companies
Trading costs
$0.005 per share, $1 minimum – Interactive Brokers, fixed tier on US shares
€2 + €0.02 per share – Freedom24’s entry plan
~$0.02 per share – Exante on US shares
0.03% – IBKR’s automatic currency conversion
0.002%, minimum $2 – IBKR’s manual currency conversion
Withdrawal and account fees
2 free per month, then $10 – Interactive Brokers
€7 per withdrawal, no free allowance – Freedom24
€30 per withdrawal – Exante
€50 – Exante’s inactivity fee after six months
0 – inactivity fees at Interactive Brokers
Scale and coverage
1978 / 2011 / 2011 – founding years for IBKR, Freedom24’s group and Exante
150+ markets in 30+ countries – Interactive Brokers
15 exchanges – Freedom24
1,000,000+ instruments across 50+ exchanges – Exante
4 – legal entities Exante operates through
Regulatory and historical
CIF 275/15 – Freedom Finance Europe’s CySEC licence, held since 2015
165/12 – EXT Ltd’s CySEC licence
IS/52182 – XNT Ltd’s MFSA licence
789421 – LHCM Ltd’s FCA reference
$11.8 million – IBKR’s OFAC settlement, July 2025
17 February 2016 – the date the SEC dismissed its claims against Exante
12,748 – securities accounts frozen at Freedom’s Ukrainian subsidiary in 2022
3.5 billion UAH – the value held in those accounts
Ukrainian obligations
18% + 5% – tax on investment profit
9% + 5% – tax on foreign dividends
1 May – declaration deadline
1 August – payment deadline
Key terms
Legal entity – the specific company holding your account, which determines your protection regardless of the brand on the app
SIPC – the US scheme covering Interactive Brokers LLC clients
ICF – the Cyprus Investor Compensation Fund, covering CySEC-regulated firms
FSCS – the UK scheme, which only reaches Exante clients classified as professional
Segregated accounts – client assets held apart from the firm’s own; the first line of protection before any compensation scheme
Professional client – a regulatory classification with fewer protections than retail, and the only category Exante’s UK entity accepts
Origination restriction – a broker’s rule limiting withdrawals to the account you originally deposited from
Fractional shares – buying part of a share; Freedom24 doesn’t offer them, which matters for small regular purchases
Inactivity fee – charged for not trading, which penalises long-term holders specifically
MCC 6211 – the merchant category for securities brokers, blocked for Ukrainian-issued cards
ДПС – Ukraine’s tax authority, which none of the three reports to on your behalf
Sources
Interactive Brokers: official documentation
- IBKR, International Trading (founding, Nasdaq listing, SEC and FINRA regulation, market coverage): https://www.interactivebrokers.com/en/trading/international-lp.php
- IBKR, Security and Investor Protection (SIPC cover of $500,000 including $250,000 cash, plus excess): https://www.interactivebrokers.com/en/general/security-investor-protection.php
- IBKR, Other Fees (two free withdrawals per month, $10 wire fee, no inactivity fee): https://www.interactivebrokers.com/en/pricing/other-fees.php
- IBKR, Commissions, Spot Currencies (automatic conversion at approximately 0.03%): https://www.interactivebrokers.com/en/pricing/commissions-spot-currencies.php
- Interactive Brokers Australia, Commissions (manual FX conversion at 0.002%, minimum $2): https://www.interactivebrokers.com.au/en/pricing/commissions-home.php
- IBKR Campus, USD Deposits and Withdrawals (origination restriction for higher-risk jurisdictions): https://www.interactivebrokers.com/campus/gabe-funding-demo/
- IBKR Client Portal User Guide, Transfer Funds (name-matching requirement): https://ibkrguides.com/clientportal/transferandpay/transferfunds.htm
- IBKR, Transfer Positions (moving holdings to another broker): https://www.ibkrguides.com/kb/en-us/transferring-accounts-to-interactive-brokers.htm
Regulators and enforcement
- US Securities and Exchange Commission, Litigation Release No. 23471, 17 February 2016 (dismissal of claims against Exante; charges against nine of its customers): https://www.sec.gov/litigation/litreleases/2016/lr23471.htm
- US Securities and Exchange Commission, complaint filed 17 February 2016: https://www.sec.gov/files/litigation/complaints/2016/comp23471.pdf
- US Securities and Exchange Commission, Litigation Release No. 23530 (scale of the scheme, settlements to date): https://www.sec.gov/litigation/litreleases/2016/lr23530.htm
- OFAC, US Department of the Treasury, settlement with Interactive Brokers LLC, 15 July 2025: https://ofac.treasury.gov/recent-actions/20250715
- FCA Financial Services Register, LHCM Ltd, FRN 789421: https://register.fca.org.uk/s/firm?id=001b000003z595SAAQ
Broker documentation
- Exante, overview of local, EMIR and APAC regulators (the four entities and their licences): https://support.exante.eu/en/articles/114022-overview-of-local-emir-and-apac-regulators
- Exante, press release on the UK licence (LHCM serving professional clients and eligible counterparties): https://exante.eu/uk/press/news/2037-global-wealth-management-platform-secures-fca-licence-launches-uk-offering/
Broker analysis
- EU Personal Finance, Freedom24 review (CySEC licence CIF 275/15, ICF cover, terms allowing non-segregated holdings): https://www.eupersonalfinance.eu/articles/freedom24-review
- Traders Union, Freedom24 (no minimum deposit, €7 withdrawal fee): https://tradersunion.com/brokers/fond/view/freedom24/
- MatchMyBroker, Freedom24 review (commission structure, 15 exchanges, no fractional shares): https://www.matchmybroker.com/reviews/freedom24-review
- ForexRev, Exante (minimum deposits, US market commissions, no custody fees, no US clients): https://forexrev.com/forex/exante/
- Traders Union, Exante (inactivity fee, compensation schemes by entity, instrument count): https://tradersunion.com/brokers/fond/view/exante/
- Sharecast, Exante broker review (withdrawal fee, founding year, market coverage): https://www.sharecast.com/promoted/economic_news/exante-broker-review-brokerage-features-fees-and-more.html
Ukrainian sources
- Mind.ua, sanctions against ТОВ «Фрідом Фінанс Україна», licence suspension, 12,748 accounts and 3.5 billion UAH frozen: https://mind.ua/publications/20251347-svoboda-z-obtyazhuvalnimi-robota-fridom-finans-ukrayina-zamorozhena-cherez-antirosijski-sankciyi-chog
- Forbes Ukraine, January 2025 decree enabling the return of blocked assets: https://forbes.ua/news/zelenskiy-rozblokuvav-otrimannya-koshtiv-dlya-klientiv-fridom-finans-13012025-26255
- Економічна правда (Ukrainian business news outlet), clients of the Cyprus entity retained access to their securities: https://epravda.com.ua/publications/2023/09/05/703925/
- DOU, Wise and Revolut availability in Ukraine: https://dou.ua/lenta/articles/stripe-wise-revolut-dont-work-in-ukraine/
- Кошт, Revolut’s departure from Ukraine: https://kosht.media/amerykanskyy-broker-mozhe-prypynyty-obsluhovuvannia-ukraintsiv/
- Sud.ua, NBU restrictions on card payments to securities brokers (MCC 6211): https://sud.ua/uk/news/publication/366200-valiutna-pastka-dlia-ukraintsiv-za-kordonom-chomu-limity-nbu-2022-roku-staly-problemoiu-u-2026-mu
- ГУ ДПС у Дніпропетровській області, investment profit under пп. 170.2.2 ПКУ: https://dp.tax.gov.ua/media-ark/news-ark/658018.html
Investigative reporting
The Shift News (Maltese investigative outlet), Exante’s founders and their acquisition of Maltese citizenship: https://theshiftnews.com/2018/01/01/malta-citizen-list-who-is-alexey-kirienko/
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