DEGIRO Review 2026
DEGIRO is one of the cheapest ways for EU investors to own real stocks and ETFs. Now part of BaFin-regulated flatexDEGIRO Bank, it charges a €1 handling fee on most trades and lets you buy its Core Selection ETFs commission-free — just the €1 handling fee. The costs to understand before you start are the 0.25% AutoFX currency-conversion mark-up and the €2.50 per-exchange, per-year connectivity fee.
Reviewed by Yaniv Barshaf, CPA · Fees verified 17 August 2026 · Our methodology
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Our verdict on DEGIRO
DEGIRO is a top low-cost pick for EU investors who want to own real shares and ETFs — especially via its commission-free Core Selection — as long as you can live without a UK ISA and mind the AutoFX and connectivity fees.
Get started with DEGIROCapital at risk. This is not financial advice. Investing involves risk of loss.
Fees
- stock Commission: Commission plus a EUR 1 handling fee per trade: EUR 2 total on US exchanges, EUR 3 on the Irish home market, EUR 4.90 on London, Euronext, XETRA, Swiss and Nordic exchanges, EUR 6 on Australia, Frankfurt, Hong Kong, Singapore and Tokyo. ETFs EUR 3, or EUR 1 handling only for the Core Selection (the ETFs listed on Tradegate)
- withdrawal: Free to a linked bank account
- inactivity: None (DEGIRO publishes EUR 0 inactivity, custody, deposit and withdrawal fees)
- conversion: AutoFX currency conversion: 0.25% mark-up (default); manual conversion €10 + 0.25%
- spread: Connectivity: EUR 2.50 per calendar year per exchange, capped at 0.25% of account value, for each exchange traded or held outside your home exchange (not charged on the home market, the Irish Stock Exchange, Tradias OTC or the ETF Core Selection; US options and futures EUR 5.00 per month); market spreads apply
Wondering how your money is protected? Read what happens if a broker goes bust →
Who DEGIRO is best for
DEGIRO suits cost-focused, buy-and-hold EU investors who want direct access to real shares and a wide range of ETFs at rock-bottom dealing costs. It is a weaker fit for anyone who wants a UK ISA wrapper (it does not offer one), for very frequent traders on foreign exchanges where connectivity fees stack up, and for beginners who prefer a hand-holding, app-only experience over a fuller broker interface.
DEGIRO fees in plain English
Most trades carry a €1 handling fee; US stocks add a further €1 commission on top, and a London or Euronext trade adds €3.90. The big saver is the Core Selection — the ETFs listed on Tradegate — which carry €0 commission, so the €1 handling fee is the entire cost; every other ETF adds a €2 commission. Two costs are easy to miss: AutoFX, DEGIRO's default automatic currency conversion, adds a 0.25% mark-up each time you trade a foreign-currency asset (manual conversion is €10 + 0.25%); and a €2.50 per-exchange, per-year connectivity fee, capped at 0.25% of your account value, applies to every exchange outside your home market — though the Irish Stock Exchange, Tradias OTC and the Core Selection are exempt. There is no inactivity fee and no minimum deposit.
Safety and regulation
DEGIRO now operates as part of flatexDEGIRO Bank AG, a German bank regulated by BaFin, with client cash held as a bank deposit covered by the German €100,000 statutory deposit-guarantee scheme. It has operated as DEGIRO since 2013. Regulation and deposit protection cover firm failure, not market losses — your capital remains at risk.
How DEGIRO compares on cost
For a euro-based investor buying ETFs, DEGIRO's Core Selection is among the cheapest options anywhere — often cheaper than Trading 212 or XTB on pure dealing cost once you use the free ETF list. Trade Republic and Scalable Capital compete closely with flat €1 or €0.99 models. DEGIRO's edge is range and low FX; its drawback is the connectivity fee and the lack of an ISA. Use our fee calculator to see the annual difference for how you actually invest.
Our DEGIRO score: 4.3/5
How this is calculated →Computed from the fee data on this page, not assigned by hand. Our commercial relationships are not an input.
- Cost (45% of the score)69/100
Averages 0.15% of the portfolio a year in charges across our three benchmark investors.
- Regulation & protection (20% of the score)100/100
Regulated by BaFin, AFM, DNB. Tier-one regulators (FCA, BaFin, SEC and equivalents) carry the most weight.
- Market & account breadth (15% of the score)90/100
Covers 4 of the asset classes we price and 1 account type.
- Accessibility (10% of the score)70/100
Minimum deposit none; no fractional shares; has mobile app.
- Fee transparency (10% of the score)100/100
Publishes a schedule complete enough to model every charge and charges no inactivity fee.
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
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.
DEGIROfees & safety, in depth
Compare DEGIRO head-to-head
DEGIRO vs alternatives
| Feature | DEGIRO | Lightyear | Trading 212 |
|---|---|---|---|
| Rating | 4.3 / 5 | 5 / 5 | 4.9 / 5 |
| Stock commission | Commission plus a EUR 1 handling fee per trade: EUR 2 total on US exchanges, EUR 3 on the Irish home market, EUR 4.90 on London, Euronext, XETRA, Swiss and Nordic exchanges, EUR 6 on Australia, Frankfurt, Hong Kong, Singapore and Tokyo. ETFs EUR 3, or EUR 1 handling only for the Core Selection (the ETFs listed on Tradegate) | UK personal accounts (GIA and ISA): no execution fee on UK, US and European stocks or ETFs. EU accounts: GBP 1 per order on UK stocks, EUR 1 per order on EUR-denominated stocks, 0.1% on other European stocks, and 0.10% (min $0.10, max $1) on US stocks. ETFs are execution-fee-free on both. | 0% |
| Withdrawal fee | Free to a linked bank account | Free by local bank transfer. USD wire payments are charged (up to $8.50 UK, $6.11 EU). | Free |
| Inactivity fee | None (DEGIRO publishes EUR 0 inactivity, custody, deposit and withdrawal fees) | None | None |
| Min deposit | None | None | £1 |
| Fractional shares | No | Yes | Yes |
| Demo account | No | No | Yes |
| Regulators | BaFin, AFM, DNB | FCA, EFSA | FCA, CySEC |
Frequently Asked Questions
Is DEGIRO safe and legit?
DEGIRO is regulated by BaFin, AFM, DNB and has operated since 2013. All investing carries risk of loss.
What are DEGIRO's fees?
Stock commission: Commission plus a EUR 1 handling fee per trade: EUR 2 total on US exchanges, EUR 3 on the Irish home market, EUR 4.90 on London, Euronext, XETRA, Swiss and Nordic exchanges, EUR 6 on Australia, Frankfurt, Hong Kong, Singapore and Tokyo. ETFs EUR 3, or EUR 1 handling only for the Core Selection (the ETFs listed on Tradegate). Withdrawal: Free to a linked bank account. Inactivity: None (DEGIRO publishes EUR 0 inactivity, custody, deposit and withdrawal fees).
What is the minimum deposit for DEGIRO?
The minimum deposit is none.
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.