Accounts & headline costs
Sections ↑flatex’s German service centres on a securities depot and cash account, with individual, joint and child ownership arrangements. Product additions include direct crypto, CFDs, secured borrowing and Whitebox portfolio management. The main comparison is therefore between the activity and account structure you need: a securities commission, savings-plan charge and CFD financing rate measure different things.[38][20][51]
Account comparison01
Account and service choices
| Route | Who controls it | Headline price or starting size | Key boundary |
|---|---|---|---|
| Individual depot | One adult account holder | EUR 0 standard custody; ordinary stock order EUR 5.90 before external costs | Product approvals and sufficient available cash still apply.Source 6Source 7 |
| Joint depot | Up to two identified owners | Standard securities pricing | Identical tax circumstances required; no joint CFD trading.Source 38 |
| Child depot | Child owns assets; guardians trade | ETF/fund savings from EUR 25 | All guardians need their own flatex accounts; standard-product limits apply.Source 52 |
| CFD extension | Eligible existing account holder | Required instrument margin; separate cost schedule | A derivative contract, with separate transfer-account movements.Source 20Source 22 |
| Managed investing | Whitebox manages the chosen strategy | From EUR 25 or EUR 5,000, depending on strategy | Management and product expenses replace a simple self-directed cost comparison.Source 51 |
The facts02
Starting amounts, currencies and fee basis
| Measure | Value | Context |
|---|---|---|
| Scope | German resident retail offering, reviewed 11 October 2026. Other group brands and countries use separate conditions. | Source 56 |
| Small recurring investments | EUR 25 minimum for eligible ETF/fund and stock savings plans. | Source 9 |
| Small direct crypto orders | EUR 1 minimum, after crypto activation. | Source 13 |
| Cash currencies | EUR plus optional USD, GBP and CHF accounts. External withdrawals follow the EUR reference-account rule. | Source 42 |
| Cash return | The retained 24 August tariff quotes 0% on EUR credit balances and 9.50% on tolerated overdrafts. Retrieved 10 October; its endpoint failed on 11 October. | Source 2 |
Match the fee to the way you invest
Reference table03
Practical account assessment
| Use | Why the distinction matters |
|---|---|
| Regular ETF accumulation | A EUR 0 execution charge can coexist with fund expenses and a market spread.Source 9 |
| Frequent small individual stock orders | A fixed commission and venue charge consume a larger percentage of a small trade.Source 7 |
| Foreign-currency investing | Holding sale proceeds in the relevant cash currency can defer a conversion, but EUR withdrawal rules remain.Source 42 |
| Borrowing against holdings | Check whether a flex credit line has been assigned before treating the displayed buying capacity as cash.Source 50 |
Products & platforms
Sections ↑Reference table04
Products and the legal exposure
| Product | Access or structure | Cost and risk to check |
|---|---|---|
| Stocks, ETFs, funds and bonds | German and selected foreign securities venues; eligible investment funds also through a fund company. | Venue, denomination, settlement location, issuer/fund terms and any purchase load.Source 33 |
| Certificates and leveraged securities | Issuer products including warrants and knock-outs. | Issuer credit risk, leverage, barriers, expiry and product expenses.Source 8 |
| Direct crypto | Coins held through Tangany; the reviewed page lists 25 assets and 24/7 dealing. | Custodian agreement, operational availability and crypto-specific liquidity.Source 11 |
| Crypto ETNs and commodity ETCs | Securities that reference crypto or commodities. | Debt-security structure, issuer arrangements and product charges.Source 18Source 2 |
| CFDs | Contracts with Société Générale; no ownership of the underlying asset. | Margin, financing, forced closure and counterparty exposure.Source 28Source 26 |
Reference table05
Recurring investment choices
| Instrument | Minimum contribution | Execution charge | Scheduling and limits |
|---|---|---|---|
| ETFs and investment funds | EUR 25 | EUR 0 | Monthly, quarterly, half-yearly or annually; underlying costs remain.Source 9 |
| Stocks | EUR 25 | 1% of contribution | Choose the 1st, 7th, 15th or 23rd; same principal intervals.Source 10 |
| Eligible crypto ETNs | EUR 25 | EUR 0 | Recurring securities exposure; no personal coin wallet.Source 18 |
| Eligible commodity ETCs | EUR 25 | EUR 0 | Check the eligible instrument list and its own expenses.Source 2 |
| Direct coins | Not currently offered as a savings plan | Not applicable | A manually entered crypto order is a separate transaction.Source 16 |
Platforms & products06
Platforms and what they provide
| Platform | Published functions | Practical limit |
|---|---|---|
| flatex next | App and desktop access to portfolio, cash, search and orders. | Current notices put approvals inside the next app; follow the active setup instructions.Source 34 |
| flatex classic | Browser order book, venue quotes, watchlists and account administration. | Some help instructions are specific to this interface.Source 35 |
| flatex trader 2.0 / TeleTrader | Desktop analysis with selectable data packages and trading integration. | A quote subscription does not establish that flatex executes on every displayed market.Source 36 |
| CFD interface | Position, margin and order management; linked exit orders. | CFD mechanics and account balances differ from securities custody.Source 24Source 29 |
Pricing & charges07
Optional desktop data subscriptions
| Item | Basis | Premium | Condition |
|---|---|---|---|
| Monthly data-package price | EUR 15 | EUR 39 | Per calendar month; additional feeds can cost extra.Source 36 |
| Displayed instruments | Up to 200 simultaneously | Up to 500 simultaneously | Some added capabilities/data incur supplements.Source 36 |
| Cancellation | By the 25th before month-end | By the 25th before month-end | Software download alone does not make the data package free.Source 36 |
| Xetra quotes in ordinary app/web | Currently free until further notice | Same published exception | This separate offer should not be confused with subscription feed lists.Source 37 |
Fees & holding costs
Sections ↑Securities charges and conditional waivers
Pricing & charges08
Core dealing costs
| Transaction | Published commission | Additional cost or condition |
|---|---|---|
| Ordinary stock order | EUR 5.90 | External venue/country expenses may be added.Source 7 |
| Selected venues | EUR 2 external flat charge | Tradegate, Lang & Schwarz, L&S Exchange, Baader, gettex, Quotrix and Société Générale; applies where specified.Source 2 |
| USA/Canada trade above EUR 40,000 | Additional 0.04% on the excess | The basic commission and external costs remain.Source 6 |
| Other ETF/fund one-off orders | From EUR 5.90 | Premium instruments have separate conditions.Source 6 |
| Fund-company purchase | Subscription load instead of normal order commission | The public page advertises a 50% load discount; selected funds may differ.Source 6 |
| Non-partner certificates/leveraged products | EUR 5.90 below EUR 1,000; EUR 15.90 from EUR 1,000 | Use the actual issuer/route tariff.Source 8 |
| Platin partner derivatives | EUR 0 from EUR 500; EUR 5.90 below | J.P. Morgan, Morgan Stanley and Société Générale.Source 8Source 2 |
| Gold partner derivatives | EUR 2.90 from EUR 500; EUR 5.90 below | BNP Paribas, UBS, UniCredit and Vontobel.Source 8Source 2 |
Pricing & charges09
Administrative and holding charges
| Item | Published amount or rule |
|---|---|
| Online order entry, amendment or cancellation | EUR 0 standard charge.Source 6 |
| Assisted securities order / amendment | EUR 15.90 additional order fee; EUR 5.90 for assisted change/cancellation.Source 2 |
| Custody-location change for foreign dealing | EUR 65.90 per security class.Source 2 |
| Xetra Gold, WKN A0S9GB | 0.02975% monthly custody charge on holding value, debited quarterly.Source 2 |
| Domestic registered-share purchase | EUR 0.60 registration charge.Source 2 |
| Partial fills | Same-day fills have no extra commission where supported; separate execution days can incur another daily commission.Source 2 |
| Investment expenses | Fund/ETP fees, spreads, applicable taxes and third-party charges remain separate.Source 18 |
Pricing & charges10
Currency conversion mechanics
| Situation | Published basis | How to interpret it |
|---|---|---|
| German-venue settlement conversion | Clearstream-supplied exchange rate | Read the execution statement for the applied rate.Source 43 |
| Other venues / fund company | Interbank rate plus the bank’s currency margin | Direction determines an addition or deduction.Source 43 |
| Selected retained tariff margins | USD 0.0040; CHF 0.0040; GBP 0.0020; CAD 0.0070 | These are exchange-rate quote adjustments, not trade-value percentages.Source 2 |
| Foreign cash balance | USD, GBP or CHF can remain in a separate cash account | External payout requires the EUR cash/reference route.Source 42 |
Direct crypto and CFD costs
Pricing & charges11
Direct coin price layers
| Layer | Published treatment | Interpretation |
|---|---|---|
| Major / Minor crypto total cost | 0.6% / 0.7% per order, including spread at customary sizes | Use the broker’s current instrument category.Source 12 |
| Commission component | Retained supplement: 0.50% of consideration, minimum EUR 0.01 | Included within the described total-cost framework; do not add it again to 0.6%/0.7%.Source 4 |
| Large or unusual orders | Published total-cost wording is qualified by customary order size | Check the actual quote before accepting.Source 12 |
Pricing & charges12
CFD dealing and financing
| Item | Published rule | What changes the result |
|---|---|---|
| Cash-index, commodity, currency, metal and interest-futures CFDs | No dealing commission | Spread and holding costs still apply.Source 3 |
| Share CFDs | 0.05% of notional; minimum EUR 5 each buy or sell | A round trip normally has two commissions.Source 25 |
| DAX-futures / other index-futures or volatility CFDs | 0.01% / 0.02% of notional, minimum EUR 5 | These are CFD categories, not a claim of direct futures membership.Source 3 |
| Overnight daily amount | Position value × annual financing basis ÷ 365 | Charged on exposure, not just the margin deposit.Source 3 |
| Shares, indices and metals | Long: 3.50% + currency reference; short: 3.50% − reference | Use the live instrument reference rate.Source 3 |
| Currency CFDs | Long: 3.50% − reference 1 + reference 2; short reverses the references | The two currency inputs and direction matter.Source 3 |
| Commodity, interest/index-futures and volatility CFDs | Retained tariff basis: 3.50% | Instrument-specific contract cutoff determines overnight treatment.Source 3 |
| Short borrowing | Additional annualised stock-borrow cost can apply | Shown separately in the instrument details.Source 23 |
Pricing & charges13
Worked cost examples
| Assumed activity | Calculation | Excluded or qualified |
|---|---|---|
| Standard share buy, then sale, on a EUR 2-flat-cost route | 2 × (EUR 5.90 + EUR 2) = EUR 15.80 | Spread, tax, price movement and any exceptional charge.Source 7Source 6 |
| EUR 200 monthly stock savings contribution | 1% × EUR 200 = EUR 2 per execution | Market spread.Source 10 |
| EUR 1,000 customary-size Major crypto order | 0.6% × EUR 1,000 = EUR 6 | Illustrates the advertised total-cost percentage, not a live fill.Source 12 |
| EUR 5,000 share-CFD buy and equal-size sale | Two minimum commissions = EUR 10 | Financing, borrowing and spread.Source 25 |
Execution & trading rules
Sections ↑Reference table14
Selected venue sessions available through flatex
| Venue | Published weekday hours | Relevant restriction |
|---|---|---|
| Xetra | 09:00–17:30 | Only the main continuous session; early/late Retail mini-auction sessions are not offered.Source 33 |
| Tradegate Exchange | 07:30–22:00 | Selected advanced order types are supported.Source 33 |
| gettex / Quotrix | 07:30–23:00 | Order functionality differs between venues.Source 33 |
| Foreign securities markets | Market-specific | Check local holidays, timezone and settlement location.Source 33 |
| Direct crypto | 24/7 advertised | Technical or operational restrictions can interrupt dealing.Source 11Source 5 |
Reference table15
Order capabilities
| Instruction | Securities | Direct crypto | Main limitation |
|---|---|---|---|
| Market / limit | Available | Available | Market price can move; a limit can remain unfilled.Source 32 |
| Stop market / stop limit | Available | Available | A stop trigger does not guarantee the execution price.Source 32 |
| Trailing stop and trailing stop limit | Venue-dependent | Not listed for crypto | Review the selected venue’s ticket.Source 32 |
| OCO / OCO limit | Venue-dependent | Not listed for crypto | Linked instructions have different trigger/execution effects.Source 32 |
| Stock price below EUR 1 | Purchases accepted only with a limit | Not a crypto rule | Stop-buy orders below that stock price are not accepted.Source 32 |
| CFD linked orders | Separate CFD ticket | Not applicable | Market, limit, stop, take profit, OCO and If-Done are documented.Source 24 |
Reference table16
Stock-plan fractions and investor rights
| Question | Practical answer |
|---|---|
| How fractions arise | A contribution can buy part of a share; later contributions can build whole units.Source 10 |
| Dividend entitlement | Distributions are allocated in proportion to the held fraction.Source 10 |
| Voting and meetings | Fractions do not confer voting or meeting-admission rights.Source 10 |
| Sale route | Bruchstücke/KVG, once daily against Société Générale at the applicable reference-based price.Source 10 |
| Transfer or voluntary action | Only whole shares transfer; fractions cannot receive voluntary corporate-action instructions.Source 10 |
CFD margin and forced exits
The broker’s October 2026 CFD warning states that 70.90% of retail accounts lose money with this provider. Its German service states that there is no additional-payment obligation, while the capital committed to CFD trading can be lost.[19]
Reference table17
Published CFD margin examples
| Underlying class | Margin | Maximum stated leverage |
|---|---|---|
| Major currency pairs | 3.33% | 30:1Source 19 |
| Other currency pairs | 5% | 20:1Source 19 |
| Specified major indices / other indices | 5% / 10% | 20:1 / 10:1Source 19 |
| Shares | 20% | 5:1Source 19 |
| Gold / other commodities | 5% / 20% | 20:1 / 5:1Source 19 |
| Interest-rate CFDs | 20% | 5:1Source 19 |
Reference table18
CFD execution and lifecycle rules
| Rule | Practical consequence |
|---|---|
| Price formation | Société Générale is the counterparty; depth-weighted execution can differ from the first displayed quote.Source 28Source 19 |
| Margin exhaustion | The published help describes automatic closure when free capital falls below EUR 0. Monitor the live margin calculation and applicable contract rules.Source 21 |
| Dividend adjustment | The FAQ describes 85% credits for eligible long positions and 100% debits for shorts; these are contract adjustments, without shareholder rights.Source 26 |
| US-stock dividend event | Positions close before the ex-dividend date under the retained supplement; exposure does not automatically continue through the event.Source 26Source 3 |
| Mistrades | Separate Bank/Société Générale rules apply; preserve the transaction reference when contesting a fill.Source 31 |
Deposits, withdrawals & transfers
Sections ↑Reference table19
Cash deposits and withdrawals
| Operation | Published process | Condition or timing |
|---|---|---|
| Deposit EUR | Transfer to the account’s cash IBAN; instant incoming transfer is advertised. | Sending-bank support and successful crediting matter.Source 10 |
| Fund a savings plan | Use the agreed cash or reference-account route. | Keep the debit account and available balance ready before execution.Source 41 |
| Withdraw cash | Enter a transfer in classic or next and authenticate it. | Only the registered own-name EUR reference account.Source 44Source 41 |
| Withdrawal timing | Before 14:00 on a bank business day: normally next business day; otherwise up to two. | Provider timetable, not an independently measured payout result.Source 45 |
| Online payment charges | Standard incoming/outgoing bank transfers are listed at EUR 0. | Exceptional external or assisted-payment costs can remain.Source 6 |
| Change the reference account | Written instruction required. | Keep access to the registered account during the change.Source 41 |
Reference table20
Foreign currency and CFD cash movements
| Balance | How it moves | Constraint |
|---|---|---|
| USD / GBP / CHF | Open the currency account in classic; direct external funding and matching securities settlement are supported. | External withdrawals go through EUR.Source 42 |
| Cash to CFD transfer account | Internal transfer from classic or next. | The ordinary securities cash balance is not automatically the CFD available margin.Source 29 |
| CFD transfer account to cash | Initiate inside the CFD interface. | The amount becomes available for reference-account payout on the second following bank business day.Source 30 |
| Direct crypto holdings | No incoming or outgoing coin transfers currently supported. | Cash sale proceeds and a bank withdrawal are a different process.Source 14 |
Reference table21
Securities transfer and exit planning
| Request | Method | Limit to resolve first |
|---|---|---|
| Move holdings into flatex | Signed transfer form sent to the releasing bank. | The broker gives up to three weeks; the sending bank and custodian affect timing.Source 46 |
| Individual-to-individual outgoing transfer | Online in classic or next. | Confirm that the receiving account accepts the securities.Source 47 |
| Joint or account-closing transfer | Use the required form; closure needs the original signature by post. | Ownership changes can affect documentation and tax treatment.Source 47 |
| Foreign-held securities incoming | Received through domestic Clearstream custody. | Foreign resale can require a paid custody-location change.Source 48 |
| Costs | flatex charges no standard securities-transfer fee. | Another institution or a required custody-location change can add costs.Source 46Source 48 |
Protection & regulation
Sections ↑Reference table22
Legal entity and authority evidence
| Record | What was established | Verification date and limit |
|---|---|---|
| Account/custody bank | flatexDEGIRO Bank SE, Frankfurt, HRB141330. | Current German imprint read 11 October 2026.Source 56 |
| BaFin institution ID10119766 | Named banking/securities record; crypto order-execution permission from 4 April 2025. | Official record retrieved 10 October; database dated 9 October. Reopening failed on 11 October.Source 1 |
| ECB supervised-bank list | The bank appears in Part B under its older AG name, LEI529900MKYC1FZ83V3121. | Cutoff 1 July, published 21 August 2026; read 11 October. It is an institutional record, not a product endorsement.Source 57 |
Reference table23
Protection depends on what is held
| Asset or claim | Published arrangement | What it does not guarantee |
|---|---|---|
| Eligible bank cash | EdB statutory deposit protection up to EUR 100,000 per depositor at the bank. | Separate accounts or group brands do not automatically multiply the same-bank limit.Source 56 |
| Custodied securities | Customer ownership and a return claim in bank insolvency, subject to valid collateral rights. | No insurance against a security losing value.Source 56 |
| Unmet securities-return obligations | The disclosed compensation limit is 90% of the eligible claim, capped at EUR 20,000. | It is not a EUR 20,000 market-loss guarantee.Source 56 |
| CFD cash versus positions | The broker says eligible cash deposits are within deposit protection. | CFD trading losses and contract exposure are not insured cash.Source 27 |
| Direct crypto | Tangany handles custody under a separate direct custodian agreement. | Bank cash insurance does not cover a fall in coin value or substitute for the custody terms.Source 11Source 5 |
| Pledged securities | The bank may enforce collateral if borrowing is insufficiently secured. | Holding securities in custody does not prevent enforcement of a valid loan pledge.Source 50 |
Supervision, custody ownership and deposit protection address different failure modes. The relevant documents are the bank contract for cash and securities, the separate crypto custody agreement, and the specific CFD or loan agreement. Their limits remain material even when everything appears within the same app.[56][5][20]
Opening an account & support
Sections ↑Reference table24
Opening the account and activating products
| Step | Published route | Practical preparation |
|---|---|---|
| Application | Complete the personal information and account application online. | Have identity, address, tax and reference-account information available.Source 40Source 41 |
| Video identification | IDnow or Deutsche Post; daily 08:00–22:00. | Smartphone and valid ID card/passport; the published service is free.Source 40 |
| eID identification | Available around the clock. | German ID with enabled online function and an NFC phone.Source 40 |
| Joint opening | Both applicants identify themselves. | Same tax circumstances; unmarried holders cannot set a joint exemption order.Source 38 |
| Direct crypto activation | Adult natural person, German main address, individual depot. | Read the separate custody and dealing terms.Source 11 |
| CFD activation | Existing cash account and depot, then enable CFD service in the application. | Joint accounts do not qualify.Source 20Source 38 |
Verified German support routes
Existing clientsTelephone
Prospective clientsTelephone
Prospective-client emailEmail
Authenticated supportWebsite
https://www.flatex.de/service/kontakt/Source 54
Scope Existing clients: use Support inside the account
Formal complaint procedureWebsite
https://www.flatex.de/service/beschwerden/Source 55
Scope Published complaint rules and bank terms, section I.23
German is the governing contract and ongoing communication language. No universal response-time guarantee or freshly verified ordinary telephone timetable is asserted.
For a disputed transaction, retain the instrument identifier, venue, time, quantity, order reference and confirmation. Use authenticated support so the complaint can be tied to the account, and keep a copy of the written submission. The complaint page supplies the bank’s formal escalation documents.[54][55]
Additional services
Sections ↑Borrowing against a securities portfolio
Account comparison25
flex and Lombard credit
| Feature | flex | Lombard |
|---|---|---|
| Published credit size | Up to EUR 250,000, based on eligible collateral | From EUR 250,000, according to the agreementSource 50 |
| Current quoted rate | 6.25% nominal / 6.40% effective annually | Same published rate; subject to the contractSource 50 |
| Setup | Assigned automatically where eligible; can be declined in text form | Application and income evidence requiredSource 50 |
| Interest and administration | Interest on drawn amount, quarterly in arrears; no administration surcharge | Same published basisSource 50 |
| Termination | Either side can terminate at any time | Three months to month-endSource 50 |
Managed investing through Whitebox
Pricing & charges26
flatex wealth strategies
| Strategy | Minimum | Management charge per year | Displayed average product cost | Structure |
|---|---|---|---|---|
| Global | EUR 25 | 0.35% | 0.21% | Three risk levels; one goal.Source 51 |
| Global Green | EUR 25 | 0.35% | 0.22% | Three risk levels; sustainability criteria.Source 51 |
| Value | EUR 5,000 | 0.35%–0.95% | 0.22% | Ten risk levels; multiple goals.Source 51 |
| Value Green | EUR 5,000 | 0.35%–0.95% | 0.24% | Ten risk levels; sustainability criteria.Source 51 |
The managed service includes portfolio decisions and rebalancing. The page describes one-off cash movements from EUR 50, savings and withdrawal plans from EUR 25, and no minimum holding period. Liquidating investments to make a payout still depends on trading and settlement; an instruction to withdraw is not a guaranteed instant cash transfer.[51]
Reference table27
Child accounts and tax administration
| Service | Published handling | Important boundary |
|---|---|---|
| Child account access | All guardians have individual flatex accounts; supply the birth certificate and required consent. | The child owns the depot and can receive a viewing login; guardians place trades.Source 52 |
| Child product range | Shares, ETFs, funds, bonds and eligible standard-product savings. | Higher-risk products such as direct crypto are excluded.Source 52 |
| Annual capital-income statement | Automatically placed in the document archive during the second quarter. | Check the certificate and any transaction-specific records.Source 49 |
| Direct crypto taxes | The broker does not automatically remit tax on direct-crypto sale profits. | Retain records and assess the personal reporting obligation.Source 17 |
| Crypto ETN tax handling | Withholding depends on the particular security and its delivery rights. | Do not apply the direct-coin treatment to every ETN.Source 18 |
Company background & evidence
Sections ↑The facts28
Company context and contract boundaries
| Measure | Value | Context |
|---|---|---|
| Operating history | The flatex brand describes its start as 2006. | Source 52 |
| Bank and parent | The current legal notice distinguishes flatexDEGIRO Bank SE from the flatexDEGIRO SE group. | Source 56 |
| Public contract address | Omniturm, Große Gallusstraße 16–18, 60312 Frankfurt am Main, Germany. | Source 56 |
| Cross-border applications | The broker accepts some applications from outside Germany, but eligibility and service access require separate checks. This profile uses the German resident offering. | Source 39 |
| Conflict-sensitive pricing | The public tariff discloses inducements and partner-funded discounts. Compare the actual execution price and total cost, as well as the commission. | Source 6 |
Reference table29
Evidence strength and practical limits
| Evidence | What this profile uses | Limit |
|---|---|---|
| Current official product/help pages | Account functions, fees, venue sessions and service routes read on 11 October. | Public descriptions do not establish actual uptime or response quality.Source 6Source 34Source 54 |
| Retained official PDFs | Original 10 October copies inspected again for tariff, financing and crypto custody detail. | Their download endpoints failed during the 11 October refresh.Source 2Source 3Source 5 |
| Authority evidence | Named BaFin record retained with its original check date; current ECB list independently inspected. | The ECB list’s cutoff and older bank name are stated above.Source 1Source 57 |
No funded trading, withdrawal, customer-service or reliability test was performed for this profile. Published capability is not an independently observed service result.
- Headquarters
- Frankfurt am Main, Germany
- Founded
- 2006
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 SE
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Federal Financial Supervisory Authority10119766 | Authorised | Checked 10 Oct 2026Named BaFin record retrieved 10 October 2026, database dated 9 October: current banking/securities permissions and crypto order-execution permission from 4 April 2025. Reopening failed on 11 October; the original check date is retained. Crypto custody is a separate provider relationship.Source 1 |
Additional Information
Sections ↑Announced retirement services
Reference table30
2027 retirement-depot announcement
| Proposed route | What is announced | Availability boundary |
|---|---|---|
| Standarddepot Core | EUR 0 custody and order commission; five-year product-cost reimbursement, then stated TER cap 0.07%. | Planned for 2027; review final launch terms.Source 53 |
| Standarddepot Plus | Broader defensive/equity mix, including a stated gold component. | Pricing will be announced before launch.Source 53 |
| Altersvorsorgedepot Flex | Self-selected eligible ETF/fund portfolio, up to 25 positions. | Pricing and final availability remain pending.Source 53 |
Questions to resolve for the actual account
Reference table31
Before relying on a feature or price
| Check | Reason |
|---|---|
| Instrument, venue and final cost disclosure | A stock commission, venue flat fee, currency margin and product charge can all affect one transaction.Source 6Source 43 |
| Loan line and cash availability | Approved buying capacity may include borrowing; withdrawal availability can differ from the account headline balance.Source 50Source 30 |
| Crypto custody and exit method | External coin transfers, staking and direct-coin plans are currently unavailable.Source 14Source 15Source 16 |
| CFD funding and overnight inputs | Margin, reference rates, borrow costs and corporate-action treatment are instrument-specific.Source 22Source 23Source 26 |
| Current documents and source dates | Use the latest accepted agreement if it differs from a retained tariff or public summary.Source 2Source 3 |
Sources & further reading
- BaFin named institution record, retrieved 10 October 2026 Bundesanstalt für Finanzdienstleistungsaufsicht · Accessed 10 Oct 2026
- German flatex tariff effective 24 August 2026; retained 10 October copy flatexDEGIRO Bank SE · Accessed 10 Oct 2026
- CFD tariff, January 2026 edition; retained 10 October copy flatexDEGIRO Bank SE · Accessed 10 Oct 2026
- Crypto commission supplement, January 2026; retained 10 October copy flatexDEGIRO Bank SE · Accessed 10 Oct 2026
- Crypto dealing and separate custody terms, November 2024; retained 10 October copy flatexDEGIRO Bank SE · Accessed 10 Oct 2026
- Current German price overview flatex · Accessed 11 Oct 2026
- Stock dealing product flatex · Accessed 11 Oct 2026
- Certificates, leveraged securities and current partner tiers flatex · Accessed 11 Oct 2026
- ETF and fund savings plans flatex · Accessed 11 Oct 2026
- Stock savings plans, fractional rights and cash funding flatex · Accessed 11 Oct 2026
- Direct crypto product and eligibility flatex · Accessed 11 Oct 2026
- Direct crypto total trading costs flatex · Accessed 11 Oct 2026
- Minimum direct crypto order flatex · Accessed 11 Oct 2026
- External crypto transfers flatex · Accessed 11 Oct 2026
- Direct crypto staking availability flatex · Accessed 11 Oct 2026
- Direct crypto savings availability flatex · Accessed 11 Oct 2026
- German direct crypto tax administration flatex · Accessed 11 Oct 2026
- Crypto ETNs and recurring securities purchases flatex · Accessed 11 Oct 2026
- German CFD product, margin and October 2026 loss warning flatex · Accessed 11 Oct 2026
- Adding a CFD account flatex · Accessed 11 Oct 2026
- Automatic CFD closeout help flatex · Accessed 11 Oct 2026
- CFD instrument margin calculation flatex · Accessed 11 Oct 2026
- Short CFD borrowing costs flatex · Accessed 11 Oct 2026
- CFD order functionality flatex · Accessed 11 Oct 2026
- Share CFD commission charged on each execution flatex · Accessed 11 Oct 2026
- CFD corporate-action adjustments flatex · Accessed 11 Oct 2026
- CFD cash account protection disclosure flatex · Accessed 11 Oct 2026
- CFD counterparty flatex · Accessed 11 Oct 2026
- Funding the CFD transfer account flatex · Accessed 11 Oct 2026
- Returning CFD cash and withdrawal availability flatex · Accessed 11 Oct 2026
- CFD mistrade process flatex · Accessed 11 Oct 2026
- Securities and crypto order types flatex · Accessed 11 Oct 2026
- Available exchange sessions and order capabilities flatex · Accessed 11 Oct 2026
- flatex next app and browser flatex · Accessed 11 Oct 2026
- flatex classic browser tools flatex · Accessed 11 Oct 2026
- Trader 2.0 and TeleTrader data subscriptions flatex · Accessed 11 Oct 2026
- Current Xetra realtime quote exception flatex · Accessed 11 Oct 2026
- Joint account eligibility flatex · Accessed 11 Oct 2026
- Applicants outside Germany flatex · Accessed 11 Oct 2026
- Account identity verification flatex · Accessed 11 Oct 2026
- Reference bank account restrictions flatex · Accessed 11 Oct 2026
- Foreign-currency cash accounts flatex · Accessed 11 Oct 2026
- Foreign-exchange conversion method flatex · Accessed 11 Oct 2026
- Withdrawing through the app or web flatex · Accessed 11 Oct 2026
- Published payment timetable flatex · Accessed 11 Oct 2026
- Incoming securities transfer flatex · Accessed 11 Oct 2026
- Outgoing securities transfer flatex · Accessed 11 Oct 2026
- Incoming foreign securities and settlement location flatex · Accessed 11 Oct 2026
- Annual German tax statement flatex · Accessed 11 Oct 2026
- Portfolio credit: flex and Lombard flatex · Accessed 11 Oct 2026
- Whitebox managed portfolios through flatex wealth flatex · Accessed 11 Oct 2026
- Child depot opening, rights and product limits flatex · Accessed 11 Oct 2026
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