DEGIRO vs Trading 212: Which Is Better in 2026?
Choosing between DEGIRO and Trading 212? Here is the short answer, then the full breakdown on fees, features, and who each one is best for.
Reviewed by Yaniv Barshaf · Fees verified June 2026 · Our methodology
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Best overall: DEGIRO
Both are low-cost ways to own real stocks and ETFs, but they suit different investors. DEGIRO is EU-only and charges a €1 handling fee per trade, with commission-free Core Selection ETFs and a low 0.25% AutoFX currency-conversion mark-up — superb for buy-and-hold ETF investors. Trading 212 is commission-free across the board with a 0.15% FX fee, adds a UK Stocks & Shares ISA that DEGIRO lacks, and has no per-trade handling fee. For UK investors wanting an ISA, Trading 212; for EU investors buying Core Selection ETFs at minimal cost, DEGIRO.
- Best for beginners: Trading 212
- Best for low fees: DEGIRO
- Best for advanced: Trading 212
Capital at risk. This is not financial advice. Investing involves risk of loss.
DEGIRO vs Trading 212 at a glance
| Feature | DEGIRO | Trading 212 |
|---|---|---|
| Rating | 4.4 / 5 | 4.4 / 5 |
| Stock commission | €1 handling fee per trade on most markets; US stocks add a further ~€1 commission. Core Selection ETFs: €1 handling fee only (fair-use policy applies) | 0% |
| Withdrawal fee | Free to a linked bank account | Free |
| Inactivity fee | None | None |
| Min deposit | $0 | $1 |
| Fractional shares | No | Yes |
| Demo account | No | Yes |
| Regulators | BaFin, AFM, DNB | FCA, CySEC |
Pros and cons
DEGIRO
Pros
- +Very low dealing costs — €1 handling fee, or commission-free Core Selection ETFs
- +No inactivity fee and no minimum deposit
- +Low 0.25% AutoFX currency-conversion mark-up
- +Client cash held as a German bank deposit under flatexDEGIRO Bank
Cons
- −€2.50 per-exchange, per-year connectivity fee on non-home markets
- −US stocks carry an added commission on top of the €1 handling fee
- −No UK ISA; primarily aimed at EU-resident investors
Trading 212
Pros
- +Truly commission-free, no withdrawal fee
- +Low 0.15% FX fee
- +Stocks & Shares ISA for UK investors
- +Fractional shares from £1
Cons
- −Fewer markets than Interactive Brokers
- −No advanced research tools
- −Account approval can be selective
DEGIRO
Best low-cost broker for buy-and-hold ETF investors in the EU
Capital at risk. This is not financial advice. Investing involves risk of loss.
Frequently Asked Questions
Is DEGIRO or Trading 212 cheaper?
DEGIRO charges Free to a linked bank account for withdrawals, while Trading 212 charges Free. Stock commission is €1 handling fee per trade on most markets; US stocks add a further ~€1 commission. Core Selection ETFs: €1 handling fee only (fair-use policy applies) on DEGIRO and 0% on Trading 212. Your real cost depends on how often you trade and withdraw.
Is DEGIRO safe?
DEGIRO is regulated by BaFin, AFM, DNB. Regulation does not remove investment risk, but it means client funds are subject to oversight in those jurisdictions.
Which is better for beginners, DEGIRO or Trading 212?
Trading 212 is generally the more beginner-friendly option thanks to a simpler interface and lower barriers to entry.
DEGIRO
Best low-cost broker for buy-and-hold ETF investors in the EU
Capital at risk. This is not financial advice. Investing involves risk of loss.