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 — under a fair-use policy. 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 · Fees verified June 2026 · Our methodology
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Best overall: 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: €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)
- withdrawal: Free to a linked bank account
- inactivity: None
- conversion: AutoFX currency conversion: 0.25% mark-up (default); manual conversion €10 + 0.25%
- spread: €2.50 per stock exchange, per year connectivity fee (home exchange and Tradegate typically waived); market spreads apply
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 roughly €1 commission on top. The big saver is the Core Selection: those ETFs trade commission-free, paying only the €1 handling fee, provided you stay within the fair-use policy (otherwise a €2 commission applies). 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 applies to non-home markets, though your home exchange and Tradegate are typically waived. 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.
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 | XTB | Trading 212 |
|---|---|---|---|
| Rating | 4.4 / 5 | 4.5 / 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% up to €100k monthly turnover, then 0.2% (min €10) | 0% |
| Withdrawal fee | Free to a linked bank account | Free above €100 (some entities charge €10 below €100) | Free |
| Inactivity fee | None | €10/month after 1 year inactive with no deposit in 90 days | None |
| Min deposit | $0 | $0 | $1 |
| Fractional shares | No | Yes | Yes |
| Demo account | No | Yes | Yes |
| Regulators | BaFin, AFM, DNB | FCA, CySEC, KNF | 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: €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). Withdrawal: Free to a linked bank account. Inactivity: None.
What is the minimum deposit for DEGIRO?
The minimum deposit is $0.
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.