DEGIRO review 2026: fees, features, and verdict

Last verified: 2026-03-21

Quick summary

DEGIRO is one of Europe's largest and most affordable online brokers, offering low-cost access to over 50 global exchanges. It is particularly well suited for buy-and-hold investors and ETF enthusiasts who want straightforward pricing without monthly subscription fees. With more than three million clients and over EUR 95 billion in assets under custody, DEGIRO has established itself as a reliable choice for cost-conscious European investors.

Overview

Founded in 2008 in the Netherlands, DEGIRO started as an institutional-grade trading platform before opening its doors to retail investors in 2013. The company is now part of flatexDEGIRO AG, a publicly listed financial technology group headquartered in Frankfurt. This merger, completed in 2020, brought DEGIRO under a full German banking licence supervised by BaFin, with additional conduct supervision by the AFM in the Netherlands and integrity supervision by DNB.

DEGIRO currently serves clients across 24 European countries, including the Netherlands, Germany, France, Spain, Italy, Portugal, Sweden, Ireland, and many more. The platform provides access to stocks, ETFs, bonds, options, futures, and warrants across major exchanges such as Euronext, XETRA, NYSE, NASDAQ, the London Stock Exchange, and the Tokyo Stock Exchange.

In October 2025, DEGIRO expanded its product range by introducing cryptocurrency trading, allowing clients to buy and sell popular digital assets directly through the platform. For the full year 2025, the parent company flatexDEGIRO reported revenues of EUR 560 million (up 17% year-on-year) and net income of EUR 160 million (up 44%), underscoring the group's strong growth trajectory.

Fees

DEGIRO's fee structure is one of its main selling points. The broker charges no annual account fee, no inactivity fee, and no withdrawal fee. Below is a breakdown of the key trading costs.

Fee type	Amount
Annual account fee	EUR 0.00
Stock trade (Euronext, XETRA)	EUR 2.00 + 0.03% of the transaction value
ETF trade (standard)	EUR 2.00 + 0.02% of the transaction value
Core Selection ETFs (200+)	EUR 1.00 handling fee per order (no execution fee)
US stock trade (NYSE, NASDAQ)	EUR 2.00 + 0.03% of the transaction value
Minimum deposit	EUR 0.01
Inactivity fee	EUR 0.00
Withdrawal fee	EUR 0.00
Currency conversion (FX)	0.25% (auto-FX) or manual via FX account

One notable detail: DEGIRO does not pay interest on uninvested cash balances, regardless of the currency. This sets it apart from some competitors like Trade Republic and Scalable Capital, which offer interest on idle funds. If you hold significant cash in your brokerage account, this is worth considering.

Features

DEGIRO offers a focused set of features designed for straightforward investing rather than active day trading. Here is what you can expect.

Web platform and mobile app. DEGIRO provides both a clean web-based trading platform and a well-regarded mobile app for iOS and Android. The interface is designed for simplicity, making it easy to place orders, track your portfolio, and review transaction history.

Access to 50+ exchanges. You can trade on major stock exchanges across Europe, North America, Asia, and Oceania. This includes Euronext (Amsterdam, Paris, Brussels, Lisbon), XETRA, NYSE, NASDAQ, the London Stock Exchange, the Tokyo Stock Exchange, and the ASX, among others.

Core Selection ETFs. DEGIRO maintains a list of over 200 popular ETFs that you can trade with only a EUR 1.00 handling fee per order. This makes it one of the cheapest ways to build a diversified ETF portfolio in Europe.

Product range. Beyond stocks and ETFs, you can trade bonds, options, futures, and warrants. Cryptocurrency trading was added in late 2025. However, DEGIRO does not support forex trading or contracts for difference (CFDs).

Tax reporting. DEGIRO provides annual tax reports, which can simplify your tax filing. The format and detail vary by country, so check what is available for your specific residence.

Deposit protection. Client cash deposits are protected up to EUR 100,000 under the German statutory deposit guarantee scheme (via flatexDEGIRO Bank AG). Securities are held in segregated accounts, separate from the company's own assets. Additionally, the Dutch investor compensation scheme covers up to EUR 20,000 per client.

No demo account. DEGIRO does not offer a demo or paper trading account, which may be a drawback if you want to test the platform before committing real funds.

No fractional shares. You must buy whole shares on DEGIRO. If you want to invest small amounts in high-priced stocks, this could be a limitation compared to brokers that offer fractional shares.

Payment methods. Deposits are made via bank transfer or iDEAL (in the Netherlands). DEGIRO does not accept credit card or debit card deposits.

Pros and cons

Pros

• Very low trading fees with no annual account fee, no inactivity fee, and no withdrawal fee
• Core Selection of 200+ ETFs with only a EUR 1.00 handling fee per order
• Access to 50+ global exchanges across multiple asset classes
• Regulated by BaFin with additional oversight from AFM and DNB, backed by a full banking licence
• Available in 24 European countries, making it highly accessible
• Strong financial backing from publicly listed parent flatexDEGIRO AG

Cons

• No interest paid on uninvested cash balances
• No fractional shares available
• No demo or paper trading account
• Limited advanced charting and technical analysis tools compared to specialised platforms
• No savings plans or recurring investment features
• Deposits limited to bank transfer and iDEAL (no card payments)
• Does not support forex trading or CFDs

Who DEGIRO is best for

Passive ETF investors in Europe. If your strategy involves regularly buying ETFs for the long term, DEGIRO's Core Selection list with its EUR 1.00 handling fee is hard to beat. The zero annual fee means your costs stay low even as your portfolio grows.

Cost-conscious stock investors. For investors who primarily buy and hold individual stocks on European and US exchanges, DEGIRO's flat EUR 2.00 + percentage fee structure is competitive. The absence of inactivity and withdrawal fees is a bonus for those who trade infrequently.

European expats seeking broad market access. With availability in 24 countries and access to over 50 exchanges, DEGIRO is a practical choice for expats who may move between European countries and want a single broker that works across borders.

Alternatives to consider

If DEGIRO does not quite fit your needs, here are three alternatives worth exploring.

Trade Republic charges EUR 1.00 per trade and offers free savings plans. Unlike DEGIRO, it pays interest on uninvested cash and supports fractional shares. However, it has a more limited product range and fewer available exchanges.

Scalable Capital offers a free plan at EUR 0.99 per trade, with a PRIME+ subscription at EUR 4.99 per month for unlimited trades. It also pays interest on cash balances and offers savings plans, but its exchange access is more limited than DEGIRO's.

Saxo Bank provides access to an even wider range of markets and products, including forex and CFDs. Fees start from EUR 1.00 per stock trade, with tiered pricing that benefits higher-volume traders. It may suit more advanced investors who need a broader toolkit.

For a full comparison of investing platforms available in Europe, visit our directory. You may also find our DEGIRO vs Interactive Brokers comparison and Trade Republic vs Scalable Capital comparison useful.

Frequently asked questions

Is DEGIRO safe?

DEGIRO operates under flatexDEGIRO Bank AG, which holds a full German banking licence and is supervised by BaFin. The AFM and DNB in the Netherlands provide additional oversight. Client cash is protected up to EUR 100,000 under the German deposit guarantee scheme, and securities are held in segregated accounts separate from the company's assets.

What are DEGIRO's fees?

DEGIRO charges EUR 2.00 plus a small percentage per trade (0.03% for stocks, 0.02% for ETFs). There is no annual account fee, no inactivity fee, and no withdrawal fee. Over 200 Core Selection ETFs can be traded for just a EUR 1.00 handling fee per order.

Does DEGIRO offer fractional shares?

No. DEGIRO currently does not support fractional shares. You need to purchase whole shares, which may be a limitation if you want to invest small amounts in high-priced stocks.

Can I use DEGIRO as an expat?

DEGIRO is available in 24 European countries. If you move within the EU or EEA, you can typically continue using your account, though tax reporting obligations may change. Check DEGIRO's country-specific availability to confirm coverage for your residence.

Does DEGIRO pay interest on cash?

No. Unlike some competitors, DEGIRO does not pay interest on uninvested cash balances in any currency. If earning interest on idle cash is important to you, consider alternatives like Trade Republic or Scalable Capital.

What exchanges can I access on DEGIRO?

DEGIRO provides access to over 50 exchanges worldwide, including Euronext (Amsterdam, Paris, Brussels, Lisbon), XETRA, NYSE, NASDAQ, the London Stock Exchange, the Tokyo Stock Exchange, and the Australian Securities Exchange, among others.

Does DEGIRO support cryptocurrency trading?

Yes. As of October 2025, DEGIRO introduced cryptocurrency trading. You can buy and sell a selection of digital assets directly through the platform alongside traditional securities.

This article is educational content, not financial advice. Always do your own research before making financial decisions. Fees and features may change. Verify current details on the platform's official website. Last verified: 2026-03-21.

Disclaimer

This article is for educational purposes only and does not constitute financial, tax, or investment advice. Capmap.eu is an independent comparison platform — we do not provide personal recommendations. Always verify current fees, rates, and regulations with the provider or a qualified adviser before making financial decisions. Information was accurate at the time of writing but may have changed.