1. What is DeGiro and how to use DeGiro
What is DeGiro? DeGiro is a Dutch online broker established in 2008, offering retail services across the EU since 2013. In 2025, under flatexDEGIRO, it is Europe’s largest low-cost broker.
How to use DeGiro in 2025? This article explains:
- account types and commissions,
- how to open an account, deposit funds, and trade,
- pros and cons,
- tables and comparisons.
2. Regulation and Safety – Why It Matters
- Company: flatexDEGIRO Bank AG, regulated by BaFin, DNB, AFM, FCA.
- Client funds are protected: asset segregation, deposit insurance up to €100,000.
- Note: there were IT outages in 2021–2022, important for active traders.
3. DeGiro Account Types and Differences
| Account Type | Available Products | Fees | Short Selling | Features |
|---|---|---|---|---|
| Basic | Stocks, ETFs, Bonds | Low | No | Minimum fee, no leverage |
| Active/Trader | + Derivatives, Shorts | Higher | Yes | For experienced users |
| Custody | Stocks, ETFs | Slightly higher | No | No lending, enhanced safety |
4. DeGiro Fees in 2025
A major highlight of DeGiro 2025 is low fees:
- Spain/US stock: ~€2 (1 € fixed + 1 € transaction).
- Fees vary by market: from €1–5 + % of trade value.
- 200+ commission-free ETFs.
- FX conversion fee: 0.25%.
- No inactivity, withdrawal, or deposit fees.
Table – Fee Examples:
| Market | Commission | Example Trade |
|---|---|---|
| Spain/USA | €1 + €1 = €2 | 1 Apple share at $150 |
| Germany | €5 + 0.05% | German stock purchase |
| ETF (free list) | €0 | Free ETF investment |
5. How to Open a DeGiro Account
Step-by-step instructions:
- Go to DeGiro’s website or app.
- Register using ID and SEPA bank details.
- Choose account type (Basic, Active, Custody).
- Verify identity (usually within a day).
- Transfer funds via SEPA in EUR.
- Start trading through the web platform or mobile app (brokerchooser.com).
6. Platform Features
- Mobile app: rated 4.5/5, supports biometrics, limit/stop orders.
- No price alerts or push notifications (external tools needed).
- Web: intuitive, basic analytics, interactive charts.
- 200+ free ETFs, 50,000+ assets on 50+ exchanges (plataformastrading.com).
7. Pros and Cons of DeGiro
Pros:
- Low fees.
- Wide access to global markets.
- Simple user interface.
- Strong regulatory protection.
Cons:
- No direct crypto or forex trading.
- Limited analytics and risk tools.
- May not notify users of all corporate actions.
- Potential technical glitches (e.g. Zooplus case thetimes.co.uk).
8. Safe Use of DeGiro
- Keep your app updated.
- Diversify assets across countries/sectors.
- Use limit and stop orders.
- Monitor company events — not all are flagged.
- Use Custody account for added asset protection.
9. DeGiro 2025: User Reviews
From reviews (Traders Union, NovatosTradingClub):
“Very low brokerage fees, simple features, lacks Forex.”
“Efficient stock trading, user-friendly platform.”
10. Alternatives to DeGiro
- Interactive Brokers – more tools, higher cost.
- XTB – includes CFDs/Forex.
- MyInvestor – for mutual funds, less for stocks.
11. Conclusion
In conclusion, DeGiro 2025 is a solid option for independent investors who want low costs and broad market access. It’s best suited for long-term trading in stocks and ETFs. Beginners and active traders should be ready for manual research and risk control.
