This DEGIRO Review 2026 gives investors a structured view of DEGIRO across regulation, fee structure, investment universe, platform quality, and overall broker profile. DEGIRO is a Netherlands-based, BaFin-regulated online stockbroker, now part of flatexDEGIRO Bank AG, offering some of the lowest equity trading fees in Europe across stocks, ETFs, bonds, options, and futures on 50+ exchanges worldwide.
Below is a quick snapshot of DEGIRO as an investment venue, followed by its regulatory structure.
Bundesanstalt für Finanzdienstleistungsaufsicht, flatexDEGIRO Bank AG is a fully licensed German bank under BaFin supervision with the highest EU regulatory anchor.
Dutch Authority for the Financial Markets and De Nederlandsche Bank, original Dutch regulatory framework governing DEGIRO's Netherlands operations.
Financial Conduct Authority, DEGIRO operates in the UK under FCA authorization for post-Brexit client access.
Four account tiers offering increasing access to margin, short selling, and derivatives, all with the same ultra-low fee structure.
DEGIRO's flat-rate and percentage-based fee model across major markets. No monthly account fee.
| Market / Product | Fee per Trade | + Exchange Fee | Free ETF List |
|---|---|---|---|
| 🇳🇱 Netherlands (AEX / Euronext) | €1.00 + 0.038% | €0.50 | Selected ETFs Free |
| 🇩🇪 Germany (XETRA / Frankfurt) | €2.00 + 0.038% | €4.00 | Selected ETFs Free |
| 🇬🇧 United Kingdom (LSE) | £1.75 + 0.014% | £0.50 | Selected ETFs Free |
| 🇺🇸 United States (NYSE / Nasdaq) | €1.00 + 0.038% | €0.50 | — |
| 🇫🇷 France (Euronext Paris) | €1.00 + 0.038% | €1.00 | Selected ETFs Free |
| 🇧🇪 Belgium (Euronext Brussels) | €1.00 + 0.038% | €0.50 | Selected ETFs Free |
| 📋 Options (AEX / Euronext) | €0.75 per contract | €0.50 | — |
| 📋 Options (US, CBOE / AMEX) | €0.50 per contract | €0.50 | — |
| 📈 Futures | €0.50 per contract | Varies | — |
| 💰 Connectivity Fee | €2.50 / month | Per Exchange | Waived on Active Months |
Among the lowest equity trading fees available to European retail investors, significantly cheaper than traditional banks and most digital brokers.
Hundreds of ETFs available with €0 transaction fee, ideal for passive long-term investors building diversified portfolios.
Best for European investors trading stocks and ETFs who prioritize minimal costs over research depth and platform sophistication.
Traffic, countries, acquisition channels and competitor signals for DEGIRO.
DEGIRO focuses on ultra-low fees and broad market access rather than traditional bonus or referral structures.
Hundreds of ETFs trade with €0 transaction fee, one per calendar month per ETF maintains free status.
Earn transaction credit when friends open and fund a DEGIRO account through your referral link.
Trade in 28+ currencies without mandatory conversion, hold foreign securities in their native currency.
Optional custody account keeps securities fully under your name, no securities lending, maximum safety.
Clean, functional browser-based trading interface with real-time quotes, order management, and portfolio overview.
Full-featured iPhone and iPad app with biometric login, live prices, and complete order placement.
Android trading app mirroring the web experience with push notifications for price alerts and order fills.
Basic fundamental data, company news, and financial calendar, functional rather than research-deep.
DEGIRO remains one of the strongest options for European retail investors who prioritize low trading costs and broad exchange access over platform sophistication or research depth. The BaFin banking license provides genuine regulatory quality rarely found at this fee level. For buy-and-hold equity investors and ETF portfolio builders in Europe, DEGIRO's cost structure is difficult to match.
Yes. DEGIRO operates under flatexDEGIRO Bank AG, a BaFin-regulated German bank. Client securities are held in segregated accounts. Cash is protected under the German Deposit Guarantee Scheme (DGS) up to €100,000, and securities are covered by the EdW investor compensation scheme up to €20,000.
No. DEGIRO is a direct-access stockbroker only, offering equities, ETFs, options, bonds, warrants, and futures. It does not offer CFDs, forex, or any leveraged derivative products.
DEGIRO offers hundreds of ETFs with a €0 transaction fee. To maintain free status, you must make at least one trade per calendar month in that specific ETF. Otherwise a standard handling fee of €1 applies.
DEGIRO is primarily available in Europe across 18+ countries. It is not available to US or Canadian residents. Check DEGIRO's website for the current list of supported countries.
The Basic account participates in DEGIRO's securities lending program, which carries a very small counterparty risk. The Custody account keeps your securities fully under your name with no lending, recommended for larger portfolios where safety outweighs any minor fee differences.
Emma Thompson
Robert Walker
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