Skip to content
The FIRE Exit
The broker guide
The broker guide

DEGIRO.

What DEGIRO really costs a monthly index buyer, what protects your money, who does your tax paperwork, and what leaving costs. From its own price sheet, dated, with no affiliate link anywhere on the page.

Every figure verified against the brokers’ own price sheets: July 2026. Fee schedules reprice mid-year. If that date looks old, check the price sheet before acting.

What DEGIRO costs, on the example

The bill this year
€12
Twenty years of it
≈ €441.43

The example pattern: €300 a month, no pot, a euro-listed fund. Your pattern is different: run yours through The Broker Bill

where that sits among the nine

The facts

  • Available in29 countries, on its published list
  • The monthly buy€1 · manual order
  • Recurring€0/yr
  • Conversion0.25%
  • Savings planmanual, whole units
  • ProtectionGerman Investor Compensation Scheme: 90% up to €20,000 (securities shortfalls)
  • The cashUninvested cash sits in a personal Cash Account at flatexDEGIRO Bank SE: €100,000 German deposit guarantee. The bank pays 0% on it, part of how the cheap trades get paid for.
  • Does your taxes in—
  • The exitTransfer out €20 per position, plus external costs.

The honest note

The old default of European index investors — today a branch of a German bank, serving most of the EU from a single entity. Its appeal is a cheap flat handling fee on a core list of ETFs; its limits are structural: no savings plans and no fractional shares, so every month means logging in and buying whole units by hand, and the cheap list runs through a single trading venue. It pays nothing on your idle cash; that's part of how the cheap trades get paid for. Fits someone who doesn't mind ten manual clicks a month and wants broad, cheap market access from almost anywhere in the EU.

DEGIRO: the fine print
Who you deal with

flatexDEGIRO Bank SE, Dutch branch trading as DEGIRO: German bank, BaFin; AFM/DNB in NL

The route

ETF Core Selection: €1 handling fee per trade on 1,000+ ETFs (all via Tradegate), no fair-use restriction, manual orders only. Any other exchange: €3 plus a €2.50-a-year connectivity fee.

The plan

No automatic investing and no fractions. Its own pages say so plainly. Every month is a manual order, in whole units.

The cash

Uninvested cash sits in a personal Cash Account at flatexDEGIRO Bank SE: €100,000 German deposit guarantee. The bank pays 0% on it, part of how the cheap trades get paid for.

The taxes

No native withholding anywhere: a free annual report and the filing is yours; transaction taxes are passed through at source.

The exit

Transfer out €20 per position, plus external costs.

Where it operates

It advertises accounts in these countries, on its published list:

all 29 countries
  • Austria
  • Belgium
  • Bulgaria
  • Switzerland
  • Czechia
  • Germany
  • Denmark
  • Estonia
  • Spain
  • Finland
  • France
  • Greece
  • Ireland
  • Iceland
  • Italy
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Latvia
  • Netherlands
  • Poland
  • Portugal
  • Romania
  • Sweden
  • Slovenia
  • Slovakia
  • Australia
  • New Zealand
  • Singapore

Compare DEGIRO head to head

The same bill and the same facts, next to another broker:

Compare any two, side by side
vs
Compare

Sources: check it yourself
Keep it honest

Know a figure here that's wrong or out of date? Point me to the line and a source. Every correction gets checked before the next refresh. That's how this page stays right.

Report a correction

Common questions

What does DEGIRO cost?
On the example I use everywhere on this site, €300 a month into one euro-listed ETF, DEGIRO works out at €12 a year. That's a manual order each month, its cheapest sensible route. Your own pattern changes the number: the Broker Bill prices your buy, your pot and your country.
Is DEGIRO safe?
It's a regulated firm you can verify in its regulator's public register. If it failed, the backstop is the German Investor Compensation Scheme: 90% up to €20,000 (securities shortfalls). That protects against the firm failing, not against your funds falling in value. The fine print above names the exact entity you'd contract with.
Does DEGIRO do my tax paperwork?
No. No native withholding anywhere: a free annual report and the filing is yours; transaction taxes are passed through at source. That's the norm on this list, not a fault of this broker: only a few of the nine do any of it for you, and only in their home markets.
Can I set up automatic monthly investing with DEGIRO?
No. No automatic investing and no fractions. Its own pages say so plainly. Every month is a manual order, in whole units. If hands-off monthly buying matters to you, the broker guide's picker shows which of the nine automate it.

What to hold in it

The broker is half the decision. Which fund to hold in it is the other half, and the gap between two ETFs on the same index is real money: The Tracking Gap

The broker guide: all nine, and your bank The Broker Bill: price your own pattern

No affiliate links: no broker pays me, and none of them knows it's on this page. The order is arithmetic, not sponsorship.

Education, not advice. Fee schedules change and brokers reprice. Check the current price sheet before you open anything. Which broker suits you also depends on your country and your tax situation; I'm not a licensed adviser, happily.

Bring me a challenge.

The Exit Audit, then ninety minutes: a straight verdict, real alternatives with their pros and cons, and your first move. If you want someone to nod along, I’m the wrong person to pay.

Book a session →

How the sessions work

Ninety minutes, online, €600. The Exit Audit included.