DEGIRO Review 2026: Is This the Best Low-Cost Broker to Invest Online?

If you’re looking to invest online – whether that’s in the form of stocks, ETFs, or other asset classes – you need to ensure that you are getting a good deal for your money. In other words, you’ll want to pick an online broker that offers competitive fees and commissions.

One of the most notable low-cost brokers active in the space at present is that of DEGIRO. Put simply, this broker allows you to buy US shares for just EUR 2 per trade and offers a “Core Selection” of ETFs that can be traded with only a EUR 1 handling fee. But, are these low trading fees what they seem, or are they simply too good to be true?

That’s exactly what my in-depth Degrio Review intends on finding out. Not only will I explore the broker’s fee structure from top to bottom, but I’ll also cover other important metrics. This includes everything from tradable markets, supported payment methods, user-friendliness, eligibility, customer service, and of course – regulation.

What is DEGIRO?

DEGIRO is an online stock broker that is based in the Netherlands and now operates as part of the flatex-DEGIRO group (traded on the Frankfurt Stock Exchange). The platform has grown significantly and is now home to over 3.5 million customers across Europe. By opening an account with DEGIRO, you will have access to a highly extensive list of assets.

As we uncover in more detail later, this includes everything from shares, ETFs, bonds, futures, crypto, and leverage products. All in all, this online broker covers over 50 marketplaces across 30 countries. DEGIRO posted record results in 2025, with revenue reaching EUR 560 million (+17% year-over-year) and net income of EUR 160 million (+44%). As such, if there’s a specific financial instrument that you’re interested in, there is every chance that you will find it at DEGIRO.

When using the platform to invest, you do this online or via a dedicated DEGIRO app. There are no minimum deposits in place, which is great for those of you that want to invest with smaller amounts.  On the flip side, it’s somewhat annoying that you are unable to instantly deposit funds into your DEGIRO account, as the broker only supports bank transfers.

This is, however, countered by the fact that you will have access to some of the lowest stock broker fees in the online space. I cover this much more extensively later. In terms of reputation, DEGIRO has built a solid foundation since it was launched in 2013. Regulation-wise, the broker is licensed by the Dutch Authority for Financial Markets (AFM).

Who is Eligible to Join DEGIRO?

Before I go any further with my DEGIRO review, it’s probably best that I explain who can and cannot open an account with the broker.

In a nutshell, you will need to be a resident of one of the following jurisdictions to be eligible.

• European Union (excluding Bulgaria, Croatia, Cyprus, Estonia, Latvia, Lithuania, Malta and Romania)
• UK
• Norway
• Switzerland

Furthermore, unless you are based in the UK, you need to have a bank account located in the EU, Norway, or Switzerland that is in your name. If you’re from the UK, you must have a UK bank account.

Other than that, there are no additional restrictions to worry about.

What Assets Does DEGIRO Offer?

Make no mistake about it – DEGIRO is home to one of the largest asset libraries in the online investment space. As noted a moment ago, this covers 50 markets in 30 countries. While listing each and every marketplace is beyond the remit of this review, below I have listed some of the most popular assets that you can trade at DEGIRO.

Shares

The main attraction at DEGIRO is its stocks and shares department. In Europe, you can access shares listed in the UK, Germany, France, Belgium, Switzerland, Ireland, Spain, Norway, and more. This also includes the wider Euronext exchange. Over in North America, all major markets are covered.

On top of the New York Stock Exchange and the NASDAQ, this includes exchanges in Canada. In addition to this, DEGIRO also gives you access to companies located in Singapore, Japan, Australia, and Hong Kong.  All in all, this allows you to create a highly diversified portfolio of stocks and shared with ease

ETFs

You can also purchase ETFs at DEGIRO. This covers some of the largest providers in the space – such as iShares and Vanguard. Market-wise, and many of the exchanges listed in the above section.

Bonds

If you’re looking to invest in income-generating assets like corporate or government bonds, DEGIRO gives you direct access to 6 exchanges.

This covers Amsterdam, Brussels, Pair, Lisbon, XETRA (Germany), and Frankfurt. If your chosen bond instrument doesn’t come from one of the aforementioned exchanges, you might be able to invest via the DEGIRO OTC order desk.

Crypto

DEGIRO now also offers cryptocurrency trading, allowing you to buy and sell popular digital assets directly within the platform. This is a relatively recent addition and makes DEGIRO a more complete all-in-one investment platform. Additionally, DEGIRO offers securities lending as an opt-in feature, which can generate a small amount of additional income on your holdings.

Other Assets

Other markets covered by DEGIRO include:

• Options
• Futures
• Currencies (not forex trading)

As you can see from the above, DEGIRO is a broker suited for long-term investing as opposed to day or swing trading. If the latter is something you are interested in, you’re going to be more suited for a CFD trading site.

DEGIRO Fees: How Much Does it Really Cost to Invest?

DEGIRO has a reputation as being a super low-cost broker, and the fee structure has been simplified significantly compared to the old days. The specific fees you pay still depend on the asset class and marketplace, but the pricing is now much more straightforward.

Share Dealing Fees

DEGIRO has moved to a cleaner, simpler fee structure:

• US stocks (NYSE, NASDAQ): EUR 2 per transaction. Simple and flat – no more per-share add-ons.
• European stocks (Euronext, XETRA, etc.): Fees vary by exchange but are generally very competitive. Check DEGIRO’s fee schedule for the specific exchange you’re interested in.

I should note that some of the above markets are also hosted by eToro. As I noted in my eToro review, you can buy shares on a commission-free basis (though spreads apply). As such, although DEGIRO’s share dealing fees are super-low, it’s worth comparing depending on what you trade.

Core Selection ETFs

DEGIRO’s old “1 Free ETF Per Month” offer has been replaced by the “Core Selection.” This is a curated list of popular ETFs (including major products from iShares, Vanguard, and others) that you can buy and sell with just a EUR 1 handling fee per transaction. There’s no minimum investment amount to access this, which is a nice improvement over the old system.

For ETFs outside the Core Selection, standard transaction fees apply.

Bonds

If you want to buy bonds at DEGIRO, fees vary by exchange. European bond exchanges typically come with a small fixed fee plus a percentage-based commission.

DEGIRO Exchange Connectivity Fee

The ‘Exchange Connectivity Fee’ charged by DEGIRO is somewhat of an ‘unadvertised’ fee. By this, I mean that there is no mention of this fee when you visit the homepage or where the platform lists its various dealing costs.

Put simply, the Exchange Connectivity Fee is charged when you buy an asset that isn’t listed in your home country. For example, if you are based in Ireland and buy shares listed in Spain, the fee kicks in. This is charged at EUR 2.50 per year, for each exchange that you access. The fee is, however, capped at 0.25% of your total account balance, annually.

Payments and Account Minimums

Now that I have explained how the fee structure works at Degree, I am now going to discuss payments. First and foremost, there is no minimum deposit at DEGIRO, which is great. In terms of payment methods, debit/credit cards and e-wallets are not supported.

Instead, you will need to transfer funds from your bank account. As you well know, this can delay the investment process by several days, so do bear this in mind if you are looking to buy a specific asset right now. Additionally, there are no fees to deposit or withdraw funds, which is another plus-point.

DEGIRO Trading Platforms

If you want to invest via DEGIRO, you have two options – online or through the mobile app. Regarding the former, all you need to do is log in to your account and you will be presented with the main trading dashboard. As DEGIRO offers thousands of assets, the platform can feel a bit overwhelming at times.

But, you can use the filter feature to browse by the asset class, and then break it down further by the respective exchange. Or, you can simply search for the financial market that you are interested in.

The DEGIRO platform recently went through a major revamp and from what I can make out, the current state of play is a massive improvement. Before, the website was super difficult to navigate, so it’s good that the required update was made.

DEGIRO App

If you have a tendency to invest while on the move, you might want to download the DEGIRO app. This allows you to perform most of the same account features as you will find on the main website.

For example, the app allows you to:

• Buy and sell assets
• Withdrawal funds
• Check the value of your portfolio

However, some features of the app are missing. Notably, this includes in-depth research and market insight materials. For this, you’ll need to use the main DEGIRO website.

Regulation of DEGIRO

DEGIRO holds the required legal remit to offer investment services to clients in all of the countries that it operates in. As part of the flatex-DEGIRO group, the platform benefits from the regulatory oversight of its German parent company. When it comes to regulation, DEGIRO is overseen by authorities in the Netherlands and Germany.

In particular, this includes:

• Netherlands Authority for the Financial Markets (AFM)
• Dutch Central Bank
• BaFin (German Federal Financial Supervisory Authority) – via flatex

This means that you will benefit from an investor protection scheme when using DEGIRO. The standard investor compensation scheme covers up to EUR 20,000, so do bear this in mind if you are planning to invest much larger volumes.

DEGIRO Reputation

Since launching in 2013, DEGIRO has grown to serve over 3.5 million customers across Europe – a massive leap from the early days. The platform is now part of the flatex-DEGIRO group, which is publicly traded on the Frankfurt Stock Exchange, adding a layer of corporate transparency. App ratings remain solid across both iOS and Google Play.

Customer Support

You have two options when it comes to contacting the DEGIRO customer service team. You can send an email at [email protected], or contact the team via telephone. If opting for the latter, the specific number will depend on where you are located.

How to Get Started at DEGIRO

The signup process at DEGIRO is a little bit slow, not least because you need to verify your account via a bank transfer before you can invest. Nevertheless, below I have listed the steps required.

Step 1: Open an Account

Head over to the DEGIRO homepage and elect to open an account. Here you will need to provide the following information:

• Personal details, such as your full name, home address, and date of birth
• Contact details, such as your telephone number and email address
• Tax information, such as your national tax identification number
• Investing experience, such as what assets you have previously traded and at what value

Step 2: Make a Bank Transfer

The verification process at DEGIRO requires you to transfer funds from your personal bank account. You will be shown the required bank details for DEGIRO on-screen. Take note, there is no minimum deposit in play here, but the funds must come from a bank account in your name. If not, the transfer will be rejected by DEGIRO.

Step 3: Invest

As soon as your bank transfer has been verified by DEGIRO, you will receive an email. The funds will then be reflected in your DEGIRO account. At this point, you can proceed to make an investment. As noted earlier, you can either browse the asset library by the asset class or exchange or simply search for the instruments.

How Does DEGIRO Compare?

See how DEGIRO stacks up against other popular platforms:

• DEGIRO vs Scalable Capital

DEGIRO Review – To Summarize

In summary, there’s not a lot of online brokers that offer an asset library as extensive as DEGIRO. Whether it’s shares, bonds, ETFs, or funds – you’ll have access to thousands of instruments across 50 markets and 30 exchanges. This ensures that you can build a highly diversified portfolio and thus – mitigate your exposure to a single asset or marketplace.

In terms of the main attraction – fees, this is largely very competitive. In fact, if investing in major marketplaces found in the UK, US, and parts of Europe, the fees are much lower than most brokers out there. However, it is important to remember that the likes of eToro and Robinhood (US investors) allow you to buy shares in a 100% commission-free environment, although spreads apply.

As such, if you really want to focus on keeping your costs to an absolute minimum, these brokers might be better. On the other hand, although you might pay a slightly higher fee at DEGIRO, the platform does offer much more in the way of asset diversity. Finally, I do like the fact that DEGIRO does not have a minimum deposit in place and charges no transaction fees, albeit, it’s a bit frustrating that you can only fund your account via bank wire.

Invest with DEGIRO

Investing in stocks, bonds, and ETFs involves risks including complete loss. Please do your research before making any investment.

Frequently Asked Questions

Is DEGIRO safe?

Yes. DEGIRO is regulated by the Dutch Authority for Financial Markets (AFM) and the Dutch Central Bank, with additional oversight from Germany’s BaFin through its parent company flatex-DEGIRO. The group is publicly traded on the Frankfurt Stock Exchange, which adds corporate transparency. Your investments are covered by an investor compensation scheme of up to EUR 20,000.

What are DEGIRO’s fees?

DEGIRO charges EUR 2 per trade for US stocks (NYSE, NASDAQ). ETFs on the Core Selection list cost just EUR 1 per transaction. European stock fees vary by exchange but remain very competitive. There is also a EUR 2.50 annual Exchange Connectivity Fee per foreign exchange accessed, capped at 0.25% of your total account balance.

What markets and assets are available on DEGIRO?

DEGIRO covers over 50 marketplaces across 30 countries. You can trade stocks, ETFs, bonds, options, futures, currencies, and crypto. Share markets span the US, UK, Germany, France, Japan, Australia, Hong Kong, and many more. ETFs from major providers like iShares and Vanguard are available, with a curated Core Selection at reduced fees.

Who owns DEGIRO?

DEGIRO is part of the flatex-DEGIRO group, which is publicly traded on the Frankfurt Stock Exchange. The company was founded in the Netherlands in 2013 and has grown to over 3.5 million customers across Europe. In 2025, the group posted EUR 560 million in revenue and EUR 160 million in net income.

Who can open a DEGIRO account?

DEGIRO is available to residents of most EU countries (excluding Bulgaria, Croatia, Cyprus, Estonia, Latvia, Lithuania, Malta, and Romania), plus the UK, Norway, and Switzerland. You need a bank account in your name located in the EU, Norway, Switzerland, or the UK. There is no minimum deposit to get started.

How does DEGIRO compare to eToro?

DEGIRO offers lower explicit trading fees (EUR 2 for US stocks) while eToro offers commission-free stock trading with spreads built into the price. DEGIRO has a much larger asset library covering 50+ markets, making it better for diversified portfolios. eToro is stronger for social and copy trading. Both are regulated in Europe, but DEGIRO only accepts bank transfers while eToro supports more payment methods.

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