DEGIRO review 2026

Trading platform

DEGIRO offers a trading platform for both mobile and web. Below we review the web platform.

DEGIRO’s platform stands out for how easily you can find what you are looking for. This is what you see on logging in (the account balance is blurred for privacy):

In the top left corner you can search for any asset. As you type it filters automatically until what you want appears, so the search bar is the quickest route to any product.

It also gives a quick overview of the market, including leading indices, top news, an agenda covering the economic calendar, earnings and dividends, plus latest news and videos. Scroll down to see it:

In the top right corner, the “help”, “deposit/withdraw” and “place order” buttons are available as shortcuts.

In the “Favourites” tab you can see the stocks or ETFs you have starred:

In “Portfolio” you can see your holdings clearly (this example holds a single ETF, which is not a recommendation):

The “Inbox” holds all communications from DEGIRO, plus the status of open orders, past transactions, account statements, portfolio depreciation and documents:

Finally, the “Products” section is useful for exploring the full range of instruments available:

Products and markets

DEGIRO offers stocks, ETFs, bonds, leveraged products, funds, options, futures, warrants and cryptocurrencies.

You cannot buy these through fractional shares, since DEGIRO does not offer fractional shares. For anyone investing small fixed amounts monthly, this is a real constraint: a €100 contribution cannot be spread across several higher-priced shares, and leftover cash sits idle.

Stocks

You can trade stocks from over 50 global exchanges in 30 countries, including NASDAQ, NYSE, London, Frankfurt and Amsterdam.

ETFs

You have thousands of ETFs available, filterable by type (ETF, ETN, ETC, crypto tracker), stock market, issuer, region, benchmark, asset allocation and total expense ratio (TER):

An important limitation: local-language documents

This is the constraint most likely to affect a passive investor, and it is worth understanding before opening an account.

Under Article 7(1) of the PRIIPs Regulation, a fund’s Key Information Document (KID) must be written in an official language of the country where it is distributed. Where a provider has not produced a KID in your language, the fund cannot be marketed to you as a retail investor.

DEGIRO enforces this strictly. Other brokers take a more permissive view using English-language consent clauses, so the same investor buying the same ETF on the same exchange can get a different answer depending on the platform. In practice, Interactive Brokers and Swissquote generally allow these purchases where DEGIRO and Saxo block them.

The funds most commonly affected are popular Vanguard ETFs such as VWCE and VUAA, for investors in smaller EU markets where Vanguard has not registered local-language documents. Equivalent funds from iShares, Amundi, Xtrackers and Invesco tracking the same indices are usually available.

If a specific ETF is central to your plan, check it is available to your residency within DEGIRO before transferring money. If you are flexible about the provider, this is unlikely to affect you.

Bonds

Government and corporate bonds from several countries are available on the secondary market:

Funds

In the investment funds section you can filter by commission type and issuer:

Options

The range of options available is relatively wide, including CBOE, CME, Eurex and NYMEX. You can filter by underlying, strike price, month and year:

Futures

The futures offering is limited, so we would not recommend DEGIRO for futures trading. If that is your focus, consider other futures trading platforms.

Cryptocurrencies

DEGIRO offers direct investing in real cryptocurrencies, with a selection of the 25 most popular coins. The total cost per trade is 0.50% per buy and per sell, plus a spread of 0.10% for the more liquid coins such as Bitcoin and 0.20% for the less liquid ones, giving a total cost of 0.60% to 0.70% per trade. The execution price is guaranteed up to a trade value of €50,000 for the more liquid coins and €25,000 for the less liquid ones.

The crypto assets are held by a regulated German custodian, Tangany GmbH (Munich). Real crypto is available in markets including Germany, the Netherlands, Spain, France, Italy, Ireland, Portugal, Greece, the Czech Republic, Poland and Switzerland, with more added over time. It is not available in the UK.

Note that crypto holdings are not covered by the investor compensation arrangements described later in this review.

Commodities

For commodities, use the search bar, as there is no dedicated category within Products. Searching for “gold” returns an ETN replicating the gold price as the first result:

Interest on uninvested cash

Unlike most competitors, DEGIRO does not pay interest on uninvested cash.

Whether you hold EUR, GBP or any other currency, you earn nothing on parked funds. This is now one of DEGIRO’s clearest disadvantages, since most rivals pay something on idle balances. If you routinely hold cash between investments, that gap can outweigh DEGIRO’s lower trading costs.

Fees snapshot

ETF fees

DEGIRO charges no execution fee on the full range of ETFs, ETCs and ETNs traded on Tradegate, over 1,000 products, which now make up the Core Selection. On these you pay only the €/£1 handling fee, which does not go to DEGIRO but covers external clearing, settlement, brokerage, regulatory and execution costs.

There is no connectivity fee on Tradegate-listed products, and the previous Fair Use Policy limiting free trades per month no longer applies. On ETFs outside the Core Selection, DEGIRO charges €/£2 per trade plus the €/£1 handling fee.

This October 2025 restructuring was a significant improvement. The old Core Selection was a curated list of a few hundred funds with monthly limits; the current arrangement covers a far wider range with no cap on the number of trades.

Stock fees

Commissions on US, Canadian and home market stocks are €/£1 per trade plus the €/£1 handling fee, so a minimum of €/£2 per trade. European stocks are more expensive at €/£3.90 plus the €/£1 handling fee. Australian, Hong Kong, Japanese and Singapore exchanges cost €/£5.00 plus the €/£1 handling fee.

Currency conversion

DEGIRO charges 0.25% on currency conversion through AutoFX, applied whenever you buy or sell an asset priced in a currency you do not hold.

You can reduce this by holding foreign currency in your account. Deposit in EUR, buy a USD asset and pay the 0.25% once. Sell later and keep the proceeds in USD, and buying another USD asset costs no further conversion. You only pay again when you convert back to EUR, which you must do to withdraw.

Since most investors buy US-denominated assets at some point, this fee is worth factoring into any cost comparison. It is higher than Trading 212’s 0.15% and far higher than Interactive Brokers, and on regular monthly purchases of dollar-priced assets it can exceed the commission you are saving.

Connectivity fee

An annual exchange connectivity fee of €2.50 applies per foreign exchange you trade on, capped at 0.25% of your portfolio value, so smaller portfolios pay less than the full amount. It is not charged on your home market, and not charged on Tradegate listings. US options carry a separate €5 monthly fee.

Every time you place a trade, a confirmation window shows the total estimated costs before you commit, so you always see the associated charges up front. Fees do vary from country to country, so check your own country’s schedule here.

As you can see, you still pay commissions and fees, competitive though they are. If you are an active trader, take a look at our reviews of eToro, Trading 212 and Interactive Brokers.

Safety and regulation

flatexDEGIRO Bank Dutch Branch, trading as DEGIRO, is the Dutch branch of flatexDEGIRO Bank SE. As a German bank, flatexDEGIRO Bank SE is regulated by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).

The Dutch branch is additionally subject to integrity oversight by the DNB and conduct oversight by the AFM (Dutch Authority for the Financial Markets).

DEGIRO clients’ assets are segregated into separate entities and therefore protected against DEGIRO’s insolvency. In the unlikely event that segregated assets cannot be returned, DEGIRO falls under the German Investor Compensation Scheme, which compensates 90% of losses from non-returned assets, up to a maximum of €20,000.

Cash held in a DEGIRO Cash Account with flatexDEGIRO Bank SE is covered up to €100,000 under the German Deposit Guarantee Scheme. Details of both schemes are available in English on the BaFin website under Deposit protection and investor compensation.

DEGIRO is also registered with financial authorities in the countries where it operates, such as the CNMV in Spain and the CMVM in Portugal.

To illustrate the compensation scheme: imagine you have €30,000 invested. If DEGIRO failed and only €10,000 of your assets were safeguarded, the shortfall would be €20,000 and you would receive €18,000, being 90% of that amount and within the €20,000 cap. You would lose €2,000.

Why do we call that unlikely? First, DEGIRO does not hold your assets on its own balance sheet. They sit in a Special Purpose Vehicle, a custodian entity holding them separately, so the company’s financial performance does not affect them.

Second, if DEGIRO failed to safeguard assets properly, that would likely constitute fraud, a risk present at any broker. Your assets remain yours. The practical issue you would face is the time taken to transfer securities to another broker, which can take weeks or months.

Note also that the €20,000 ceiling is low relative to a substantial portfolio. It covers the failure of the institution rather than investment losses, and anyone holding a large balance at a single broker should understand that limit rather than assume full coverage.

Want a deeper analysis? See our dedicated article on investment protection for EU investors.

Supported countries

DEGIRO’s core markets, those with a dedicated local website, are the Czech Republic, Denmark, Finland, France, Germany, Greece, Ireland, Italy, the Netherlands, Poland, Portugal, Spain, Sweden and Switzerland.

DEGIRO also accepts clients resident in several other countries that are not primary markets and have no dedicated site. You can still open an account from these, registering through one of DEGIRO’s existing entities rather than a local site. These include Estonia, Latvia, Slovenia, Lithuania, Bulgaria, Slovakia, Luxembourg, Croatia and Romania.

Here is DEGIRO’s full list of supported residencies:

• Australia, Austria, Belgium, Bulgaria, Canada, Croatia, Czech Republic, Denmark, Estonia, Finland, France, French Guiana, Germany, Greece, Guadeloupe, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Martinique, Mayotte, Netherlands, New Zealand, Poland, Portugal, Réunion, Romania, Saint Martin, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland

Bottom line

DEGIRO offers a wide range of investment options at competitive prices, including stocks, ETFs, bonds and more. Its low fees make it an attractive choice for cost-conscious investors, and the October 2025 ETF restructuring made it meaningfully cheaper for passive investors than it was before.

There are drawbacks worth weighing. It pays no interest on uninvested cash, which most rivals now do. It does not offer fractional shares, which matters if you invest small fixed amounts monthly. The 0.25% currency conversion fee is higher than several competitors and applies every time you buy an asset in a currency you do not hold. Customer support can be inconsistent, and the platform is not as feature-rich as some alternatives for experienced traders. And its strict enforcement of local-language document rules blocks certain popular ETFs for investors in some countries.

In short, DEGIRO remains a cost-effective option for European investors who buy EUR-denominated ETFs, hold them, and do not keep large cash balances. If any of those three do not describe you, compare carefully against the alternatives before deciding.