Accounts & headline costs
Sections ↑DEGIRO is the Dutch branch of flatexDEGIRO Bank SE and operates as an execution-only investing platform across Europe. The Irish fee page covers access to shares, ETFs, crypto, options, futures and structured products; the account is not an advice service, and the bank, branch, asset-segregation structure and product issuer remain separate parts of the relationship.[1][2][3]
Broker essentials
| Measure | Value | Context |
|---|---|---|
| Operating company | flatexDEGIRO Bank Dutch Branch, trading as DEGIRO | Dutch branch of flatexDEGIRO Bank SE.Source 1Source 2 |
| Bank parent | flatexDEGIRO Bank SE | German licensed bank primarily supervised by BaFin.Source 1Source 2 |
| Client reach | More than 3 million company-reported clients | A group/service scale figure, not an Irish active-client count.Source 1 |
| Market access | 45+ exchanges across 30 countries | Company-published reach across several product classes.Source 1 |
| Service type | Execution only | DEGIRO provides the platform and information rather than personal investment advice.Source 1 |
Profile availability
| Profile | Current opening status | Main capability |
|---|---|---|
| Basic | Current standard profile | Cash investing without margin borrowing or derivatives permissions beyond eligibility.Source 5 |
| Active | Legacy only | Historically added limited margin and derivative access.Source 5Source 6 |
| Trader | Legacy only | Historically broader margin and derivative access.Source 5Source 6 |
| Day Trader | Legacy only | Special intraday conditions for eligible legacy clients.Source 5 |
This legacy distinction is especially important when reading older DEGIRO reviews. A statement that the broker offers margin may describe an existing Active/Trader account rather than an option available to a new Irish applicant today.[5][6]
Products & platforms
Sections ↑The platform offers more than 45 exchanges across 30 countries according to the company. Its price advantage is concentrated in selected cash-market routes, but connectivity, FX conversion, product costs and exchange taxes can be as important as the commission displayed beside a trade.[1][3]
ETF Core Selection mechanics
| Feature | Published term | Boundary |
|---|---|---|
| Selection size | More than 1,000 ETFs | Company-selected list; the list can change.Source 4Source 1 |
| Venue | Tradegate | The reduced commission is tied to the stated venue and selection.Source 4 |
| Broker charge | EUR 1 handling per trade | Commission is zero, not the whole trade cost.Source 3Source 4 |
| Connectivity on that route | No ETF connectivity fee stated for the selection | Other product, spread and FX costs can remain.Source 4 |
| Fair-use restriction | No fair-use rule stated on current page | Current terms should still be checked before trading.Source 4 |
Platform and order environment
| Route | Published function | Boundary |
|---|---|---|
| Web platform | In-house browser investing interface | Product and order types depend on market and account profile.Source 1 |
| Mobile app | iOS and Android account access | A separate mobile interface for the same branch relationship.Source 12 |
| Market access | 45+ exchanges | Not every security or order type is available on every venue.Source 1 |
| Research and education | News, data, analyst views and academy content | Information is not personal advice.Source 1 |
| Tradegate extended route | Pre-market / after-hours access on the named venue | Venue liquidity and pricing differ from the primary listing.Source 1Source 4 |
Fees & holding costs
Sections ↑Selected Irish price schedule
| Product / venue | Commission | Handling / additional broker fee |
|---|---|---|
| Euronext Dublin stocks | EUR 2 per trade | EUR 1 handlingSource 3 |
| US-exchange stocks | EUR 1 per trade | EUR 1 handlingSource 3 |
| Worldwide ETFs | EUR 2 per trade | EUR 1 handlingSource 3 |
| ETF Core Selection | EUR 0 commission | EUR 1 handlingSource 3Source 4 |
| Crypto | 0.5% per trade | Product spread and provider terms can be additionalSource 3 |
| Options | EUR 0.75 per contract | Exchange/product charges can applySource 3 |
| Futures | EUR 0.75 per contract | Exchange/product charges can applySource 3 |
Non-trading and currency charges
| Charge | Published amount | Scope |
|---|---|---|
| Inactivity | EUR 0 | No monthly service fee stated.Source 3 |
| Deposit / withdrawal | EUR 0 | Minimum deposit and withdrawal shown as EUR 0.01.Source 3 |
| Custody | EUR 0 | Other exchange connectivity and product charges remain.Source 3 |
| Auto FX | 0.25% | Standard automatic conversion for foreign-currency trades/bookings.Source 3 |
| Manual FX | EUR 10 plus 0.25% | Applies when using a foreign-currency cash account under the published schedule.Source 3 |
| Connectivity | 0.25% of account value, max EUR 2.50 per exchange/year | Excludes the home exchange; US options/futures use a EUR 5 monthly charge.Source 3 |
A full-cost trade checklist
| Cost layer | Example | Source to inspect |
|---|---|---|
| Broker commission | EUR 1 US stock or EUR 2 Dublin stock | Current market-specific fee rowSource 3 |
| Handling | Often EUR 1 | Product exceptions are listed on the scheduleSource 3 |
| Currency | 0.25% Auto FX or Manual FX schedule | Account currency and trade currencySource 3 |
| Connectivity | Up to EUR 2.50 per exchange/year | Home-exchange and US derivative exceptionsSource 3 |
| Tax / levy | Irish or UK stamp duty where applicable | Instrument and domicileSource 3 |
| Product spread / issuer cost | ETF TER, structured-product or crypto spread | KID/KIID and product pageSource 3 |
Irish account exit, custody exceptions and assisted dealing
| Area | Published position | Practical detail |
|---|---|---|
| Outbound portfolio | EUR20 per position plus external costs | Current linked tariff dated 1 January 2026; external exchange costs vary. Incoming portfolio transfer is free.Source 13 |
| Internal portfolio transfer | EUR7.50 per position | Different from cash withdrawal.Source 13 |
| Exchange conversion | EUR45 per position | A change of venue for a security, not the AutoFX charge.Source 13 |
| Telephone/email order | EUR10 surcharge | Orderdesk ceiling EUR100,000 or equivalent; regular trading charges remain.Source 13 |
| Holding-cost exceptions | Investment funds: 0.20% yearly service charge, collected monthly | Xetra-Gold ETC separately has 0.025% monthly custody plus VAT. General zero custody does not erase these exceptions.Source 13 |
Deposits, withdrawals & transfers
Sections ↑Deposits and withdrawals
| Operation | Published route | Important condition |
|---|---|---|
| Deposit | EUR SEPA transfer from the primary linked bank | Third-party and mismatched-name transfers are not the normal accepted route.Source 7Source 9 |
| Deposit timing | Next business day normally; instant when supported | Bank and instant-payment availability determine timing.Source 7 |
| Withdrawal | Primary linked bank account | Available cash and settlement must be sufficient.Source 8 |
| Withdrawal timing | Instant in seconds when supported; classic transfer one to two business days | External bank processing can extend the journey.Source 8 |
| Withdrawal currency | Base currency only | Foreign-currency cash generally needs conversion before withdrawal.Source 10 |
A full or partial portfolio exit requires the Outgoing Transfer Form sent to [email protected]. Sending and receiving accounts must have the same owner; DEGIRO does not support a formal ownership change through this process and excludes sanctioned securities. The help page says external costs vary by exchange and can be obtained from the service desk.[14]
Protection & regulation
Sections ↑Protection and segregation
| Asset / event | Published treatment | Limit or exclusion |
|---|---|---|
| Investment assets | Held through segregated special-purpose vehicles | Designed to keep client investments apart from DEGIRO’s own assets.Source 11 |
| Cash | German deposit-guarantee scheme | Up to EUR 100,000 per eligible depositor under the stated scheme.Source 1Source 11 |
| Failure to return investment assets | German investor-compensation scheme | 90% of eligible liabilities, maximum EUR 20,000.Source 11 |
| Crypto | Excluded from the cited investor-compensation protection | Product and custody structure require separate review.Source 11Source 3 |
| Market loss | Not protected | Segregation or compensation does not insure price movements.Source 11 |
Company and supervisory map
| Organisation | Published role | Jurisdiction / authority |
|---|---|---|
| flatexDEGIRO Bank SE | Licensed bank and branch parent | Germany; primarily BaFin supervisedSource 1Source 2 |
| flatexDEGIRO Bank Dutch Branch / DEGIRO | Customer-facing Dutch branch | Registered with DNB and supervised by AFM/DNB in the NetherlandsSource 1Source 2 |
| Asset SPVs | Segregated holding structure | Used for client investments under the disclosed safeguarding modelSource 11 |
| Irish service | Cross-border European branch service | Uses the Irish website/fee schedule; not a separately claimed Irish bank licenceSource 1Source 2 |
- Headquarters
- Dutch branch office in Amsterdam; parent bank headquartered in Germany
- Founded
- Retail service launched in 2013; predecessor company founded in 2009
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
flatexDEGIRO Bank Dutch Branch
No separate licence entry is recorded in this panel.
flatexDEGIRO Bank SE
No separate licence entry is recorded in this panel.
Opening an account & support
Sections ↑The Irish service desk lists [email protected] and +49 69 5060419 50, weekdays 7am–9pm in the published schedule. Email orders go to [email protected] under the order-execution policy, with the surcharge above. Corporate-action instructions use [email protected]; suspected compromised-account reports use [email protected]. A mailbox accepting messages around the clock does not mean the order desk executes continuously.[15]
Additional Information
Sections ↑Sources & further reading
- About DEGIRO, market reach and banking relationship DEGIRO · Accessed 9 Oct 2026
- Who regulates DEGIRO? DEGIRO · Accessed 9 Oct 2026
- Irish fee overview DEGIRO · Accessed 9 Oct 2026
- ETF Core Selection DEGIRO · Accessed 9 Oct 2026
- Account profiles DEGIRO · Accessed 9 Oct 2026
- Can I trade on margin? DEGIRO · Accessed 9 Oct 2026
- Transferring funds to DEGIRO DEGIRO · Accessed 9 Oct 2026
- Withdrawing funds to the linked bank DEGIRO · Accessed 9 Oct 2026
- Third-party transfer policy DEGIRO · Accessed 9 Oct 2026
- Withdrawal currency rule DEGIRO · Accessed 9 Oct 2026
- Asset and cash protection DEGIRO · Accessed 9 Oct 2026
- DEGIRO mobile app DEGIRO · Accessed 9 Oct 2026
- Irish Basic/Active/Trader tariff, updated 1 January 2026 DEGIRO · Accessed 15 Oct 2026
- Outgoing transfers: same owner and external costs DEGIRO · Accessed 15 Oct 2026
- Irish service desk, orders, corporate actions and security routes DEGIRO · Accessed 15 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.