Saxo Bank Review 2017

  • Great trading platform
  • Outstanding research
  • Good customer service
  • Missing investment funds
  • Pushy sales team
  • High minimum trading fees

Saxo Bank review summary


Recommended if you want stocks, Forex and derivatives at one place on a well-designed platform, that is easy-to-use even for beginners.

Saxo is a Danish investment bank focusing on retail clients across Europe. Saxo’s service is provided by several other brokers as a white label derivative platform (e.g. TD also uses Saxo for derivatives).

It has a proprietary research team constantly feeding trade ideas. Saxo also has a great and well-designed trading platform even for beginners. The customer service is available in the local languages and serves clients on the highest level. Saxo's account opening process is seamless and fast. The product portfolio is wide enough for heavy traders as well.

Saxo has moderately competitive prices, though not the cheapest on the market. Its product portfolio misses investment funds, important for some investors. Saxo's sales team can be pushy when it comes to account opening, funding accounts, etc.

Scroll down for the complete review.

  • Seamless account opening process
  • Digital identification with scanned ID and proof of address
  • “Card payment” can be used to fund account
  • Sales team is quite pushy, reaching out regularly to fund account
  • Only single currency account available in case of a standard account (if investment in different currency Saxo converts)
  • Well-designed web platform: not fool proof, but user friendly
  • Desktop platform can be very well customized to personal needs
  • Advanced orders can be easily executed (e.g. different kind of stop loss orders)
  • Good product search console
  • Robo-advisory type portfolios to follow (SaxoSelect)
  • Historic cost assessment is bit complicated on web platform (e.g. fees and gain/loss are under one column)
  • Log in security is only with password (no token, SMS verification, etc.)
  • Local language is available almost in all EU countries
  • Call center gives relevant, to the point answers
  • Call center speaks in kind, polite manner with relevant content answers
  • There are few regional offices, but there is no full country coverage
  • Relatively competitive fees, not the cheapest but usually in the top quarter
  • Transparent fee structure
  • 0 monthly account fee
  • No outbound payment fee changed
  • Fee packages available for FX
  • High minimum trading fees
  • High financing fee
  • Custody fee
  • 100 USD semiannual inactivity fee after six month
  • Proprietary research team publishes a lot of trade and investment ideas in good quality
  • Saxo's research center,, available for clients with social trading features (e.g. you can check what other traders are investing in)
  • Very improved equity research with fundamental data and screening
  • Saxo research creates a typical feel of a sell-side research team feel (e.g. publishing research to generate trade, not to protect investor interest)
  • Most research is trade focused, not investment focused (e.g. more technical analysis focus than portfolio allocation)
  • At first it is not fully clear, how much you can customize email alerts
  • Major stock markets (USA, Germany, UK)
  • Japanese stocks
  • Hong Kong stocks
  • ETF
  • Forex
  • Options
  • Futures
  • Certificate, CFD
  • Bonds

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Complete Saxo Bank review

Gergely Korpos, 20 April 2017


Saxo Bank is a Danish investment bank that focuses on online trading and investments. Saxo Bank is one of the leading technology innovators in the retail brokerage industry in Europe. It is a privately owned company established in 1992 and headquartered in Copenhagen.

We tested the Classic investment account.


Our Saxo Bank review includes:

Saxo Bank Review Scores
Overall 4.4
Account protection you get ★★★★☆
Account opening process ★★★★☆
Money transfer and withdrawal ★★★☆☆
Saxo Bank's product portfolio ★★★★★
Fee structure ★★★★☆
Trading platforms offered  
   Web ★★★★☆
   Mobile ★★★★★
   Desktop ★★★★☆
Research ★★★★★
Customer service ★★★★☆

Saxo Bank review - Investor protection scheme and regulation


We believe that security is the most important criteria when selecting a broker, so let’s kick off with that.

Saxo Bank is regulated by the Danish Financial Supervisory Authority (FSA) and is a fully licensed European bank.

Saxo Bank guarantees cash deposits of up to EUR 100,000 and securities of up to EUR 20,000.

People sometimes ask us how Saxo Bank treated the black swan event at the Swiss National Bank in January 2015. To cut a long story short, on 15th January, Saxo changed the price of some executed and confirmed CHF trades a few hours after the original confirmation. This meant that some Saxo clients suffered big losses because the positions were not closed at the stop-loss level.

This event was obviously a vis major, where the market was completely illiquid and frozen. In this case, it is quite hard to get to clear conclusion on Saxo’s side of it and it’s better to rely on authority and court decisions. Both the Danish and British authorities investigated the case, each coming to different conclusions. Some clients also sued the brokerage company. Without going into too much detail the Danish authority and courts have ruled in favor of Saxo Bank in multiple cases, while the UK Financial Ombudsman has ruled against it.


Saxo Bank review - Opening an account


Who can open an account with Saxo Bank?

Almost any private client can open an account with Saxo Bank, although there a few exceptions. You can’t open an account if you are US, Iranian or North Korean resident. Some Canadian residents (Ontario, Newfoundland and Labrador) are also prohibited from opening accounts due to local regulations.



Facts that it’s good to know about accounts

In April 2017 the minimum account balance was decreased from USD 10,000 to USD 2,000. This gives clients with smaller portfolios the chance to use Saxo’s cutting edge trading platform.

Account currency

With Saxo you can open your account in several currencies, although in some cases direct funding is not possible.

Available currencies:


*No direct funding or withdrawal is possible

Account types

Saxo Bank offers four types of accounts:

  • Classic – minimum USD 2,000 funding
  • Premium – minimum USD 100,000 funding
  • Platinum – minimum USD 500,000 funding
  • VIP – minimum USD 1,000,000 funding

With a Premium account you can access:

  • free extended news and research
  • 24/7 personal account manager
  • free sub-accounts

On top of the premium services Platinum and VIP clients also enjoy:

  • volume driven individual pricing
  • tighter spreads for FX options
  • privileges in customer service
  • IP address linked, more secure login to the trading platform

At Saxo you can also open a joint account and even test your investment strategy with a demo account.

Account opening process

The account opening process is fast and seamless and your account will be functioning within three to four days. The account opening process is all online and identification is digital.


The online application takes 10-15 minutes and you’ll need:

  • proof of identity: a copy of a national identity card, passport or drivers license
  • proof of residence: a government-issued ID card or insurance card, or a recent utility bill or bank statement

Saxo Bank usually reviews and approves your application within one day. After approval, you should fund your account and start trading.


Saxo Bank review - Money transfer and withdrawal


Money transfer

At Saxo Bank you can choose between two options when funding your account:

Manual bank transfer – the transfer time can vary between one and five business days.

Credit or debit card – you can fund your account by credit or debit card as well. This is faster since you can use the credited amount right away. Be aware that before the first funding Saxo Bank has to approve your card and some countries are excluded from this option. You can see the supported card types, countries, currencies and conversion rules on Saxo Bank’s website.


When you fund your account in a currency other than your Saxo Bank account’s currency a conversion will be applied, that is the currency spot rate plus/minus 0.5%.


Money withdrawal

You can start withdrawing money using the web trader platform. Saxo Bank does not guarantee any withdrawal time but the withdrawn amount should arrive in your bank account within two to three days.

You can only transfer money to your nominated bank account.


Saxo Bank review - Product portfolio


Saxo Bank will give you wide access to international markets in different asset classes.

Asset classes that are available for trading:

  • Equities
  • ETFs
  • Forex
  • Bonds
  • Options (equity, contract and forex options)
  • Futures
  • CFDs and Certificates.

Please find below the international markets you can trade in.

Equities, ETFs and single stock CFDs

Equities, ETFs and single stock CFDs
Europe / Middle East / Africa North America Asia / Pacific
Athens Exchange NASDAQ Australian Securities Exchange
BME Spanish Exchanges New York Stock Exchange (NYSE & ARCA) Hong Kong Exchanges
Deutsche Börse (XETRA) NYSE MKT (AMEX) Singapore Exchange
Irish Stock Exchange OTC Bulletin Board/Pink Sheets Tokyo Stock Exchange
London Stock Exchange (IOB) Toronto Stock Exchange  
London Stock Exchange TSX Venture Exchange  
Milan Stock Exchange    
NASDAQ OMX Copenhagen    
NASDAQ OMX Helsinki    
NASDAQ OMX Stockholm    
NYSE Euronext Amsterdam (AEX)    
NYSE Euronext Brussels    
NYSE Euronext Lisbon    
NYSE Euronext Paris    
Oslo Stock Exchange    
Prague Stock Exchange    
SIX Swiss Exchange    
Vienna Stock Exchange    
Warsaw Stock Exchange    
Johannesburg Stock Exchange    
Budapest Stock Exchange (only CFDs)    


Apart from single stock CFDs Saxo Bank has a well developed CFD spectrum with index-tracking, commodity, forex and bond CFDs.


Futures Bonds Stock options
Borsa Italiana/Milan Stock Exchange European government bonds CBOE
CBOE Indices US government bonds Euronext Amsterdam
CFE Futures Exchange European and US corporate bonds Euronext Paris
EUREX Emerging Markets bonds Eurex
Euronext Commodities Derivatives   SEHK
Euronext Equity & Index Derivatives    
Hong Kong Futures Exchange (HKFE)    
ICE Futures Europe Financials    
ICE Futures Europe Commodities    
ICE Futures U.S. (NYBOT)    
MEFF Spanish Futures    
Montreal Futures Exchanges    
Nasdaq OMX Derivatives Exchange    
OPRA Options    
Osaka Securities Exchange    
Singapore Derivatives Exchange    
Sydney Futures Exchange    


If you are interested in contract option trading (index and commodity options) Saxo can offer you a good variety of product portfolio. For the full product list please check Saxo Bank website.


In forex trading, you can reach all the major and minor currency pairs.



The mutual fund is the only asset class that is really missing from the product portfolio. Here Saxo partly compensates its clients with a robo-advisory type service called SaxoSelect. 

Within Saxo Select, you can choose from balanced, equity and trading strategies. Saxo currently offers two equity strategies and four trading strategies (at the time of this review they did not offer a balanced portfolio). Within the trading strategies you will find:

  • One macro forex strategy
  • One discretionary trading strategy
  • One strategy focusing on technical trading
  • One with a commodity focus.

All the information that to you need to decide whether one strategy is appropriate for you or not is provided on the trading platform; namely, investment strategy, performance statistics, risk profile, top holdings and fee structure.




Saxo Bank review - Fee structure


Trading fees

In terms of trading fees, Saxo Bank is pretty competitive, floating somewhere in between price champions like Interactive Brokers or DEGIRO, and big incumbent market players like BNP Paribas and Swissquote. Saxo provides relatively competitive pricing for equities, ETFs and CFDs, while bond trading is their most pricey product.

It’s worth noting that Saxo Bank has quite high minimum trading fees.


Equity, ETF and CFD fees

In equity and CFD trading Saxo provides a standard and a more competitive active trader pricing. For an active trader status, you have to place at least 100 trades per a calendar month. Below you can find the standard trading fees. For active trader pricing please check Saxo Bank website.

Equities and ETFs Standard trading fee
USA & Canada  
NASDAQ, NYSE, ARCA, AMEX 0.02 USD/share (min 15 USD)
OTC Bulletin Board/Pink Sheets 0.15%, (min 25 USD)
Toronto Stock Exchange 0.03 CAD/share (min 25 CAD)
TSX Venture Exchange 0.02 CAD/share (min 25 CAD)
Europe / Middle East / Africa  
Athens Exchange 0.35% (min 12 EUR)
Deutsche Börse (XETRA), BME Spanish Exchanges, Irish Stock Exchange,Milan Stock Exchange, NASDAQ OMX Helsinki, NYSE Euronext Amsterdam (AEX), NYSE Euronext Brussels, NYSE Euronext Lisbon, NYSE Euronext Paris, Vienna Stock Exchange 0.10% (min 12 EUR)
London Stock Exchange (IOB) 0.10% (min 20 USD)
London Stock Exchange 0.10% (min 8 GBP)
NASDAQ OMX Copenhagen 0.10% (min 29 DKK)
NASDAQ OMX Stockholm 0.10% (min 65 SEK)
Oslo Stock Exchange 0.10% (min 65 NOK)
Prague Stock Exchange 0.28% (min 500 CZK)
SIX Swiss Exchange 0.10% (min 18 CHF)
Warsaw Stock Exchange 0.30% (min 75 PLN)
Johannesburg Stock Exchange 0.25% (min 100 ZAR)
Asia / Pacific  
Australian Securities Exchange 0.10% (min 15 AUD)
Hong Kong Exchanges 0.15% (min 150 HKD)
Singapore Exchange 0.15% (min 25 SGD)
Tokyo Stock Exchange 0.15% (min 1,500 JPY)


The pricing of single stock and ETF CFDs can be the same, higher or even lower compared to equity pricing.

Single stock and ETF CFDs Standard trading fee
USA & Canada  
NASDAQ, NYSE, ARCA, AMEX 0.02 USD/share (min 20 USD)
Toronto Stock Exchange 0.03 CAD/share (min 25 CAD)
Europe / Middle East / Africa  
Athens Exchange 0.3% (min 12 EUR)
Deutsche Börse (XETRA), BME Spanish Exchanges, Irish Stock Exchange, NYSE Euronext Brussels, NYSE Euronext Lisbon, NYSE Euronext Paris, Vienna Stock Exchange 0.10% (min 12 EUR)
London Stock Exchange (IOB) 0.10% (min 20 USD)
London Stock Exchange 0.10% (min 8 GBP)
Milan Stock Exchange 0.19% (min 15 EUR)
NASDAQ OMX Copenhagen 0.10% (min 65 DKK)
NASDAQ OMX Stockholm 0.10% (min 65 SEK)
NASDAQ OMX Helsinki 0.10% (min 10 EUR)
NYSE Euronext Amsterdam (AEX) 0.09% (min 5 EUR)
Oslo Stock Exchange 0.10% (min 65 NOK)
Prague Stock Exchange 0.25% (min 500 CZK)
SIX Swiss Exchange 0.10% (min 18 CHF)
Warsaw Stock Exchange 0.25% (min 65 PLN)
Budapest Stock Exchange 0.50% (min 6,000 HUF)
Johannesburg Stock Exchange 0.25% (min 100 ZAR)
Asia / Pacific  
Australian Securities Exchange 0.10% (min 8 AUD)
Hong Kong Exchanges 0.25% (min 90 HKD)
Singapore Exchange 0.20% (min 17 SGD)
Tokyo Stock Exchange 0.15% (min 1,000 JPY)

Trading fees of index-tracking, commodity, forex and bond CFDs are built in the spread of these products.


Forex fees

In forex trading, you can choose between two pricing plans. The all-inclusive plan is the standard pricing structure where the trading fee is included in the spread. With the all-inclusive plan, the average EURUSD spread is 2 pips, that is a bit pricey compared to specialized forex broker trading fees (Oanda 1.2 pips, IG 0.75 pip). 

If you trade higher volumes Saxo offers 3 types of volume based pricing plan. For volume based plans EURUSD spread can be as low as 0.2 pip, that is very competitive. The pricing of the three plans:

  • FX 60: USD 60 per USD 1 million traded with zero minimum monthly commission
  • FX 30: USD 30 per USD 1 million traded with USD 600 minimum monthly commission
  • FX 20: USD 20 per USD 1 million traded with USD 2.000 minimum monthly commission

For example: if you choose the FX 60 and you trade USD 100.000, you will pay a USD 6 commission (60*100.000/1.000.000).

For each currency pair, there is a minimum trading threshold. If you trade below this threshold, an additional USD 10 trading fee will be charged.


Option fees

Equity option fees depends on the monthly traded volume:

Equity option, trading fee/contract 0-1000 contracts/month 1001-5000 contracts/month
EUR 3 2
GBP 2.5 1.5
USD 3 2
CHF 4 3
HKD 30 20

 The same volume-based pricing applies for index and commodity options as well:

Index and commodity option, trading fee/contract 1-250 contracts/month 251-1000 contracts/month 1000-5000 contracts/month
AUD 10 5 2.5
EUR 6 3 1.5
GBP 5 2.5 1.25
USD 6 3 1.5
SGD 15 7.5 3.75
CHF 8 4 2
JPY 1.000 800 750
NOK 65 35 20
SEK 75 40 20
CAD 6 3 1.5
HKD 45 30 20

The currency conversion rate is the fx spot rate plu/minus 0.1% for forex option and 0.5% for the rest of the trades.


Bond fees

Market Standard trading fee
European government bonds, US government bonds, European and US corporate bonds, Emerging Markets bonds 0.20% (min. 80 EUR)


For futures and forex option pricing information please visit Saxo Bank website.


SaxoSelect fees

Pricing varies from strategy to strategy, but:

  • there is always an annual service fee (0.5-1%)
  • there is a performance fee for some of the strategies (10-20%)
  • there is a trading fee for some of the strategies
  • there is a financing fee for CFD portfolios (annual reference rate + 2%).

This pricing structure is competitive compared to average mutual fund pricing.


You can compare Saxo Bank's trading fees with other broker's fees in our comparison table.


Other fees

If you look at the non-trading fees Saxo Bank is quite attractive. There is no account or withdrawal fee and Saxo only applies an inactivity fee if you don’t make any trades for six months. The weakest link is that the financing rate is 8% + the relevant benchmark rate.

You can find a list of other fees below.

Other fees Fee
Account fee Free
Withdrawal fee Free
Inactivity fee 100 USD/6 months after 6 no-trade months
Financing rate Min 8%
Custody fee for accounts with stocks, ETFs, ETCs and bonds Annual 0.12%, min EUR 5/month
Stock transfer out fee EUR 25-50/ISIN, max EUR 160
Manual order fee (phone, chat, email) EUR 50/order on top of online fees


Saxo Bank review - Trading platform

Web platform


Saxo Bank has a great trading platform, which is called SaxoTraderGO. It is easy to navigate for beginners but it also provides all the features a professional trader could possibly want.

Saxo Bank only provides a one-step login, but with a Platinum/VIP account you can have a more secure, IP address linked login. We think Saxo should offer the safer login to every customer.


As we already mentioned, the web platform is very sophisticated, but thanks to the easy to follow menu structure you can find everything very fast.

On the front page you can choose between three main views:

  • Trading
  • News & Research
  • Account

The trading view has all the relevant functions you need:

  • editable watchlist
  • overview of the selected instrument:
    • interactive chart
    • basic fundamental analyses
    • trade signals
    • related news
    • related options (if applicable)
  • alert setup and list
  • model portfolios to follow/ copy (SaxoSelect)
  • and positions, orders and portfolio overview.

It looks a bit overwhelming, but you’ll be able to familiarise yourself with the whole platform very quickly.

We also really like Saxo Bank’s search function, which clearly classifies the results into different asset classes: for example, if you search for Facebook, the results will show Facebook stocks, CFDs and options as well.


The interactive chart function is also very well developed. We really like the fact that you can trade from the chart but can also open fundamental data from the chart. You can work with four charts at the same time and the platform saves them even after you log out. The four charts should be enough if you concentrate on a few financial instruments but can be a limitation if you aim to build a more ample chartbook. Be aware that there are two interactive chart views: the one from “Overview” comes with trade signals while the other from “Chart” is where you can play with the indicators.


Order types

At Saxo Bank you have quite a wide variety of order types when placing or managing your orders.


When you place an order you can select from

  • market
  • limit
  • stop
  • and stop limit orders.

For executed orders a trailing stop is also applicable.

The term of the orders is customizable:

  • Day order
  • Good-till-date order (GTD)
  • Good-till-cancel order (GTC).

If you don’t want to spend your time building up and managing your own portfolio, Saxo provides predefined model portfolios to follow. At the web platform, you can find information about SaxoSelect and also trade the provided strategies.This is basically Saxo’s robo advisory service.

Be aware that the displayed returns are gross for most of the strategies, which means costs are not excluded from the return. A more transparent approach would be to provide the net return figures as well.

Saxo Select is an attractive service for investors looking for robo advisory type services within a brokerage trading platform. The biggest obstacle here is the minimum invested amount, which varies between EUR 10 and 30,000.


Mobile platform


Saxo Bank's mobile platform has the same design and almost the same functionality as the web platform. Functionality-wise the fundamental data and Saxo Select are missing from the mobile app. We think Saxo Select should be included in the mobile version as well, although the app is totally usable without the fundamental data.


The safer, two-step login is missing here as well.


Desktop platform - Saxo Trader Review


Saxo Bank has a separate desktop trading platform, called Saxo Trader. It is built for everyday and professional trading. This basically means more functionality and limited design compared to the web platform.


The first thing to mention in terms of added functionality is the fully customizable layout. You can create your own trading environment that only shows those charts, instruments and news windows you are interested in.

The main difference is the interactive charting and for this the desktop platform has limitless opportunities. For example, you can open as many charts as you want and manage your positions from the charts.


You can also trade from your excel table or try out algorithmic trading with no hassle. SaxoTrader can handle this using its OpenAPI plugin.

All in all, Saxo Bank’s desktop platform is designed for hardcore everyday traders for whom functionality, speed and customizability are key.


Saxo Bank review - Research


Saxo Bank has a good quality and multiply research service. They have an entire analysis and strategy team working on this.

Research can be accessed from the web or desktop trading platforms or from, which is a separate research center.

Within the web platform you have equity research, you can read news and opinions from Saxo’s strategists, you can check the macro events in the calendar, and you can search for a search signal that you can trade.

The equity research panel is absolutely brilliant, bearing in mind that this is a retail brokerage service. On the equity research front page you can check out  the winners and losers on the a larger stock exchanges, read the related news and see the related trade signals and calendar events.


Detailed fundamental data on individual stocks can be accessed from the search panel or from the trading panel. Here you will find the current and historical information you need to fundamentally analyse a stock That is, general information about ownership structure and management, financials (income statement, balance sheet, cash flow, performance figures), valuation and peer group comparison. On top of that, if you want to benchmark your own analysis, analyst consensus and target price information are also available. It made us a bit sad that there is no option to download fundamental data into an excel file to continue with your own analysis and projection.

If you don’t know which company to analyse in more depth within one or more industries, you can use the stock screener function, which is again very helpful if you want to do your homework before investing in stocks. In the screener you can filter down Saxo’s whole stock investment universe by country, industry, financial and valuation criteria. So, for example if you are searching for tech companies in the US with a P/E of less than 15 and a market cap higher than USD 1 billion, this is basically a two click exercise in the screener. We think this is a great and very useful function.


From asset classes other than equity, news can be found at the web platform, but deeper analyses are available on

The same research functions are available from the desktop platform as from the web platform. However, the desktop platform has one additional feature. It’s called TradeMaker, which is a real time trade idea generator for forex and CFD trading. The trade ideas are provided by four external research companies: PIA Trader, Sostratos, Mercury Forex and 3c Analysis.

The, which is a separate web page,  is Saxo Bank’s main research center. There is a lot of information available here and you need to know what you are looking for. Daily comments, long-term outlooks and expert opinions are all available here in written and video format. Some of the research information is available in Spanish, French, Italian and Turkish.

It’s worth mentioning that Saxo research creates a typical sell-side research team feel. They seem to be publishing research to generate trade, not to protect investor interest. Most of the research is trade focused, not investment focused (i.e. more technical analysis focus than portfolio allocation).

Saxo is catching up with the new social trading trend as well. On you can check other traders’ strategies and performance and you can even follow them, which means you will be notified about new and closed trades, although the system does not automatically copy the trades as it does at eToro. So if you like what other traders are doing, you’ll have to copy them manually.


Saxo provides tools here that are not included in the trading platforms. Most of these are forex and sentiment related features.

If you want to improve your personal investment knowledge, Saxo Bank has a lot to offer. You can attend online webinars held by Saxo experts or become a “student” at the Saxo Academy, where you can choose from tons of online educational videos.


Saxo Bank review - Customer service


You can reach customer service by phone or in writing. They will speak your local language and they give relevant and to the point answers.

You can meet Saxo representatives in the Prague, Amsterdam, Geneva and London offices. They also do monthly customer meetings in Budapest and Bratislava.

The only annoying experience here was the pushy sales team, who called us several times trying to get us to fund our account.


Saxo Bank review - Bottom line


In general, Saxo Bank is one of the best online brokerage companies in Europe. If you sign up with them you get a broad but well-developed service.

What is unique at Saxo is that it has developed a web and mobile platform that is complex enough for heavy traders but also simple enough for beginners thanks to its great design. The service level in general is also very high, with great research, great customer service and seamless account opening process. The product portfolio should be wide enough both in terms of asset classes and market accesses. The only asset class that is missing here for beginners is the mutual fund.

Apart from having a good retail brokerage service, Saxo Bank is trying to get in line with new trends in personal investments. Both the robo-advisory type service and the social trading feature are evidence of this.

As is almost always true, for a truly great service you have to pay a higher price. This is true for Saxo Bank as well, but we think it’s worth the price, as you’re getting a great trading platform.

We hope our review of Saxo Bank has been helpful for you. Feel free to reach out to us if you have any feedback on it.


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