There hasn’t been much discussion about stockbrokers on this forum yet. For me, within the last 6 months or so, my portfolio has been with NordNet, then OP, and now finally DB. I’ve also had daily banking and loans, etc., with OP and DB. Briefly, the pros and cons of these:
NordNet:
+Best user interface (mobile and browser use)
+Funds from sales available in real-time
+Shareville community brings added value to the investor
– Unacceptably weak-seeming data security, also a key reason why I changed brokers. (Apparently, the provider is “one contract signature away” from implementing strong authentication, even though the matter has been pending for probably a year or two already.)
– Fees for domestic stocks quite high (but as an OSKL member, brokerage fee for “small trades” starting from 7e).
– Campaigns are “splashes” here and there; one never knows what campaign is coming and when. This makes systematic utilization difficult.
OP:
+Trading fees. OP joined Nordea’s price competition in autumn 2018. Small trades maximum 1%. With OSKL membership, maximum fee 5€ up to “a few thousand euros”.
+Data security: bank authentication is required. A large operator can invest in maintaining data security.
-Poor user interface: the online bank (browser-based) is really bad and confusing. Essential matters are scattered “here and there,” and the customization possibility of the user interface is insufficient.
-The online bank is constantly, literally constantly, subject to maintenance and repairs. Has it come to this, when Finland’s largest brick-and-mortar bank runs heavy machinery and digitalization is still in its infancy? Perhaps OP’s bonus system makes this (too) profitable for the bank even in 2019… phew.
-Funds from sales become available only after 2 banking days. So, not a bank for active traders. Is this also one of the gems of non-digitalization?
Danske:
-Mobile user interface is okay, but for almost every action, digging out the code list is required. A bit cumbersome compared to fingerprint authentication. On the investment side, deficiencies include missing portfolio price charts, missing backward evaluation of portfolio development (e.g., 3 months - 5 years timeline). This shouldn’t be the case in 2019. Making buy and sell orders feels clunky. If I recall correctly, offer levels are not even presented when placing an order…?
-Online bank in browser use: a reasonable experience. Information is a bit “here and there,” but still easier to find than OP’s terrible hodgepodge. On the investment side, deficiencies include missing portfolio price charts, missing backward evaluation of portfolio development (e.g., 3 months - 5 years timeline). This shouldn’t be the case in 2019.
+Trading prices: DB announced last week that it would lower trading fees for Akava members, meaning there’s a bit of competition. For Akava members, subscription fees are 5€ (at least for domestic stocks, edit: in 25 trading venues), free securities custody, free real-time service, etc. P.S. With OSKL membership, the subscription fee is 7€.
+Data security: bank authentication is required. A large operator can invest in maintaining data security.
+Hardly any maintenance breaks, cf. OP’s subpar performance. Digitalization has succeeded to some extent, and the system runs reliably.
Ratings:
- NordNet 3/5
- Danske 3/5
- OP 2/5
Others, please continue from here.
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Voi rauhassa ostella pieniäkin siivuja salkkuun kaikessa rauhassa, ilman että pitää aina säästää vähintään tuhannen euroa yhteen ostokseen. Omistajana luonnollisesti istutaan kyydissä ja lainat + yrityksen asiat samassa pankissa 
(minusta prosenttikin on aivan liikaa).