DEGIRO Review

Self-directed investors seeking low account costs

BaFin DNB AFM

Founded 2013 · Netherlands · flatexDEGIRO Bank SE

Why investors choose this broker

No deposit or withdrawal fees
No monthly service fees
ETF Core Selection has € 0 commission plus € 1 handling
Tradegate access allows pre-market and after-hours trading

Review summary

DEGIRO is an execution-only broker with low account costs, ETF and stock trading, options, bonds, funds and crypto investing on web and mobile platforms.

Pros

No deposit or withdrawal fees
No monthly service fees
ETF Core Selection has € 0 commission plus € 1 handling
Tradegate access allows pre-market and after-hours trading
10-layer Euronext order book supports detailed price depth
Analyst Views from LSEG and Infront add research context
Custom favourites and notes help track investment ideas

Cons

US shares cost € 1 commission plus € 1 handling
ETF Core Selection still carries € 1 handling per trade
Currency, connectivity and spread costs may apply
Investors are not protected by the UK FSCS
flatexDEGIRO Bank SE is not authorised by the FCA

Company background

DEGIRO is an online broker for self-directed investors. Its journey began in 2013 with the launch of services in the Netherlands, and it now describes its platform as a user-friendly way for beginners and experts to invest. DEGIRO is an execution-only broker, so it provides tools, data, education and market access but does not offer investment advice.

The broker gives access to a wide range of investment products on more than 45 global exchanges across 30 countries. The products named include funds, ETFs, stocks, bonds and options, and DEGIRO says it launched crypto investing in 2025.

Fees and pricing

DEGIRO highlights low-cost investing with no deposit or withdrawal fees and no monthly service fees. US shares are shown with a € 1 commission plus € 1 handling per trade. The ETF Core Selection is shown with € 0 commission plus € 1 handling per trade.

Some costs can still apply. DEGIRO says currency, connectivity, external product and spread costs may apply, and currency handling fees are not part of its temporary transaction-fee reimbursement promotion.

Regulation and safety

DEGIRO operates as the Dutch branch of flatexDEGIRO Bank SE. flatexDEGIRO Bank SE is primarily supervised by BaFin, and the Dutch branch is registered with DNB and supervised by AFM and DNB. DEGIRO also says deposits are protected up to €100,000.

For UK communications, flatexDEGIRO Bank SE is described as an overseas firm that is not authorised by the FCA, and investors are not protected by the UK Financial Services Compensation Scheme.

Platform experience

The platform is available through web and mobile access, with download links for the App Store and Google Play. Features mentioned include two-factor authentication, custom favourite lists, notes, financial news, economic calendars, interactive graphs, real-time quotes, financials, ratios and Analyst Views from LSEG Data & Analytics and Infront.

More advanced tools include a 10-layer deep order book on Euronext. DEGIRO also says it began offering investing on Tradegate Exchange in 2021, allowing pre-market and after-hours trading.

Pros and cons

DEGIRO is strongest for self-directed investors who want low visible account costs, ETF access and a broad investment platform. Its limitations are mostly around specific trading charges, possible extra currency or connectivity costs, and the fact that UK investors do not receive FSCS protection.

Ready to open an account at DEGIRO?

Open an account directly with the broker. Confirm current fees and account eligibility on the broker's website before depositing.

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Your capital is at risk. Other fees apply.

Trading fees & commissions

DEGIRO lists no deposit or withdrawal fees and no monthly service fees. US shares cost € 1 commission plus € 1 handling per trade, while ETF Core Selection trades cost € 0 commission plus € 1 handling per trade. Currency, connectivity, external product and spread costs may apply.

Fees

Item	Fee
Account	No monthly service fees
Deposit	No deposit fees
Withdrawal	No withdrawal fees
Min Deposit	£0.01
Connectivity	Connectivity costs may apply
Currency Handling	Currency handling fees may apply
External Product And Spread Costs	External product & spread costs may apply

Trading platform & features

Platforms

Web app
iOS app
Android app

Regulation and investor protection

DEGIRO operates as the Dutch branch of flatexDEGIRO Bank SE, which is primarily supervised by BaFin. The Dutch branch is registered with DNB and supervised by AFM and DNB, and deposits are protected up to €100,000.

Broker FAQs

Is DEGIRO safe?

DEGIRO operates as the Dutch branch of flatexDEGIRO Bank SE. It is supervised primarily by BaFin, while the Dutch branch is registered with DNB and supervised by AFM and DNB. Deposits are protected up to €100,000.

Is DEGIRO a scam?

DEGIRO is a regulated broker operating as the Dutch branch of flatexDEGIRO Bank SE. The bank is primarily supervised by BaFin, and the Dutch branch is supervised by AFM and DNB.

Is DEGIRO regulated and by whom?

DEGIRO is supervised in Germany by BaFin and in the Netherlands by AFM and DNB. The Dutch branch is also registered with DNB.

What happens to my money if DEGIRO goes bankrupt?

DEGIRO says deposits are protected up to €100,000 as part of flatexDEGIRO Bank. Investors are not protected by the UK Financial Services Compensation Scheme.

Are there hidden fees at DEGIRO?

DEGIRO lists no deposit or withdrawal fees and no monthly service fees. It also says currency, connectivity, external product and spread costs may apply.

What does DEGIRO charge for stock trades?

For US shares, DEGIRO shows a € 1 commission plus € 1 handling per trade.

Is there a withdrawal fee at DEGIRO?

DEGIRO lists no withdrawal fees.

What products does DEGIRO offer?

DEGIRO names funds, ETFs, stocks, bonds and options among its investment products. It also says it launched crypto investing in 2025.

Does DEGIRO offer ETFs?

Yes. DEGIRO offers ETFs and says its Core Selection allows investors to trade over 1,000 ETFs on Tradegate. ETF Core Selection trades are shown with € 0 commission plus € 1 handling per trade.

Does DEGIRO offer crypto?

Yes. DEGIRO says it launched crypto investing in 2025, giving clients another way to diversify their investments.

Does DEGIRO offer options?

Yes. Options are listed among DEGIRO's investment products.

What minimum deposit does DEGIRO mention?

For the temporary transaction-fee promotion, DEGIRO says a first deposit is needed to validate the account. The minimum deposit mentioned is £0.01.

How do I open a DEGIRO account?

DEGIRO describes a three-step process: register, deposit and invest. The registration step includes signing up, verifying your email and getting access to the platform.

Does DEGIRO have a mobile app?

Yes. DEGIRO provides mobile app links for the App Store and Google Play.

Is DEGIRO good for beginners?

DEGIRO describes its platform as suitable for beginners and experts alike. It also offers Investor's Academy content, financial news and platform features designed to help users stay informed.

Bottom line

DEGIRO suits self-directed investors who want low account costs, ETF access and a broad web and mobile platform. It may be less suitable for investors who need advisory service, FSCS protection or fully predictable all-in trading costs.

DEGIRO

Self-directed investors seeking low account costs

Open Account

Your capital is at risk. Other fees apply.