DEGIRO in short, as of October 2026: US shares cost €2 per trade (€1 commission plus €1 handling), ETFs on the Core Selection list cost €1, other ETFs cost €3, and there’s no minimum deposit, custody fee or inactivity fee. The costs to watch are the connectivity fee for exchanges outside your home market (0.25% of account value, capped at €2.50 per exchange per year) and 0.25% on automatic currency conversion. It’s a good fit for buy-and-hold ETF and stock investors, and a weaker one if you want card deposits or a savings-plan feature.
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 DEGIRO 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). DEGIRO says more than 3 million investors use the platform, and the wider flatexDEGIRO group reports over 3.6 million customer accounts in 16 European countries. 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. The flatexDEGIRO group reported net income of EUR 160 million for 2025 and holds over EUR 100 billion in client assets. 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, the broker only accepts bank transfers from your own account. If your bank supports SEPA Instant, the money shows up within seconds; otherwise expect one to three business days.
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, DEGIRO is the Dutch branch of flatexDEGIRO Bank SE, a German bank supervised by BaFin, with the AFM and DNB overseeing the Dutch branch.
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.
DEGIRO runs local websites for France, Germany, the Netherlands, Portugal, Greece, Spain, Switzerland, Finland, Ireland, Italy, Denmark, Sweden, Poland, the Czech Republic, Austria, Hungary and the UK. If your country isn’t on that list, check DEGIRO’s site before you plan around it.
You’ll also need a bank account in your own name, because DEGIRO only accepts deposits from your registered reference account and rejects transfers sent through third parties such as PayPal or Wise.
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 shares 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, Paris, 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, with a 0.5% commission per trade. 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 1 commission plus a EUR 1 handling fee, so 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, DEGIRO’s Irish fee page lists a EUR 2 commission plus the EUR 1 handling fee, so EUR 3 per trade.
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 is the cost that catches most new DEGIRO users. It’s now listed on the fee page, but it’s easy to miss next to the headline trading prices.
Put simply, the fee is charged when you trade or hold an asset on an exchange outside your home market. For example, if you are based in Ireland and buy shares listed in Spain, the fee kicks in. You pay 0.25% of your account value, with a maximum of EUR 2.50 per exchange per calendar year. US options and futures carry a separate EUR 5 monthly connectivity fee.
Currency Conversion
If you buy something priced in a currency other than your account currency, DEGIRO’s automatic conversion costs 0.25%. Manual conversion into a foreign currency account costs EUR 10 plus 0.25%.
Payments and Account Minimums
Now that I have explained how the fee structure works at DEGIRO, 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. A standard transfer takes one to three business days, while SEPA Instant payments arrive within seconds if your bank supports them. 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
- Withdraw 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 trades as flatexDEGIRO Bank Dutch Branch, the Dutch branch of flatexDEGIRO Bank SE. When it comes to regulation, DEGIRO is overseen by authorities in Germany and the Netherlands.
In particular, this includes:
- BaFin (German Federal Financial Supervisory Authority), the primary supervisor of flatexDEGIRO Bank SE
- Netherlands Authority for the Financial Markets (AFM)
- Dutch Central Bank (DNB)
Your investments are held in a separate legal entity, so they aren’t available to DEGIRO’s creditors if the broker fails. If segregated assets can’t be returned, the German investor compensation scheme covers 90% of the loss up to EUR 20,000. Uninvested cash sits in a Cash Account at flatexDEGIRO Bank SE and is covered by the German deposit guarantee up to EUR 100,000.
DEGIRO Reputation
Since launching in 2013, DEGIRO has grown to more than 3 million investors 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 email the team through the contact page on your local DEGIRO site, or call the Service Desk, which is open from 7:00 to 21:00 on weekdays. The phone number depends 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 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 exchanges in 30 countries. 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 deposit, withdrawal, custody or inactivity fees, albeit, it’s a bit frustrating that you can only fund your account via bank transfer.
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 the Dutch branch of flatexDEGIRO Bank SE, which is supervised by Germany’s BaFin, with the AFM and the Dutch Central Bank overseeing the branch. Your investments are held in a separate legal entity, the German investor compensation scheme covers 90% of losses up to EUR 20,000 if segregated assets can’t be returned, and uninvested cash is covered by the German deposit guarantee up to EUR 100,000.
What are DEGIRO’s fees?
DEGIRO charges EUR 2 per trade for US stocks (NYSE, NASDAQ), EUR 1 for ETFs on the Core Selection list and EUR 3 for other ETFs. European stock fees vary by exchange. There’s also a connectivity fee of 0.25% of your account value, capped at EUR 2.50 per foreign exchange per year, and 0.25% on automatic currency conversion. Deposits, withdrawals and custody are free.
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 flatexDEGIRO SE, which is listed in Frankfurt and included in the MDAX. The company was founded in the Netherlands in 2013, and the group now reports over 3.6 million customer accounts in 16 European countries. In 2025, the group posted EUR 160 million in net income.
Who can open a DEGIRO account?
DEGIRO runs local sites for France, Germany, the Netherlands, Portugal, Greece, Spain, Switzerland, Finland, Ireland, Italy, Denmark, Sweden, Poland, the Czech Republic, Austria, Hungary and the UK. You need a bank account in your own name, and there is no minimum deposit to get started.
How does DEGIRO compare to eToro?
DEGIRO charges explicit trading fees (EUR 2 for US stocks) while eToro advertises commission-free stock trading with costs in the spread and currency conversion. 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.
Summary
DEGIRO offers one of the largest asset libraries in Europe with exceptionally low fees. EUR 2 US stock trades and Core Selection ETFs at EUR 1 make it ideal for cost-conscious long-term investors.
Pros
- Extremely low fees: EUR 2 for US stocks, EUR 1 for Core ETFs
- Access to 50 markets across 30 countries
- Over 3.5 million customers across Europe
- Part of publicly traded flatex-DEGIRO group
- No minimum deposit requirement
- Regulated by AFM and BaFin
Cons
- Bank transfer only, no instant deposit methods
- Exchange Connectivity Fee for foreign markets
- Investor protection capped at EUR 20,000
- No real-time support via chat
Related
Extreme increase in fees since November 2021,
Norway +18000 percent, (€ 5), good market.
Sweden from 0 to € 0.5, overbought market.
US down to € 0.5, overbought market.
Australia down to € 0.7, good market.
UK up to € 0.7, uncertain market.
Sincerely
Americans are exluded from using DeGiro- “US persons” are not allowed even if they are residents in the EU or any permitted region.
Hi Jean,
Do you know if you have to use the .es version of the DeGiro site to create an account in Spain (to negate Modelo 720 issues – I’m a Spanish resident but with Interactive Brokers so looking to use a different broker)
Thanks
Very poor customer service and web platform
Very poor customer service. I can confirm that there are huge delays in email replies if any. Tried to call them but without any success. (no one is picking up) Very confusing to place your money somewhere where you cannot get any feedback back.
Web page is very poor. I see plenty of differences versus manual calculations. Unfortunately there is no manual so you can self service.
Definitely will look for a different broker that can provide better service.
I do not recommend Degiro!
Agree, their customer service sucks, and all of a sudden recently stopped offering the possibility to buy reality income “O” .. the reason was not clear.
The advantage, is they have the lowest fees in Europe.
Thanks Jean
I use trading212 and i`m happy with it. The chat help section is great and they do all the best to help you with any issue, and commission is free.
They have the same us – european stocks and ETF`s as DEGIRO. So why do I have to change platform if ….
I`m Satisfied.
Hi Jean,
Thanks for the recap, one question about free etf, from documentation and based on my (short) experience the “first move of month” on a free etf is not required to be >1000€, only the following moves.
Be safe
Thanks for the clarification Joao.