DEGIRO
DEGIRO Review 2025 – Is It a Safe Broker for Long-Term Investors?
Thinking of investing with DEGIRO? In this detailed review, we examine DEGIRO’s regulation, account types, fees, platforms, and more. By the end, you’ll know whether DEGIRO is a suitable broker/investment platform for your 2025 investment needs.
| Feature | Details |
|---|---|
| Broker Name | DEGIRO |
| Founded | 2013 |
| Headquarters | Amsterdam, Netherlands |
| Regulations | Regulated by AFM (Netherlands), BaFin (Germany) (as part of flatexDEGIRO Bank) |
| Minimum Deposit | None (you can fund with any amount) |
| Account / Profile Types | Basic, Active, Trader, Custody (some also Day Trader / margin-enabled) |
| Trading Platforms | Proprietary web platform + Mobile App (iOS/Android) |
| Instruments Offered | Stocks, ETFs, Bonds, Futures, Options, Funds, (No Forex/CFDs for most clients) |
| Leverage / Margin (for eligible profiles) | Margin trading allowed for Active/Trader profiles under restrictions; Basic has no margin. |
Regulation & Safety
DEGIRO is regulated under major European regulators: Dutch AFM and German BaFin — via its parent banking entity flatexDEGIRO Bank.
Client funds and assets are held in segregated custody, offering a reasonable level of investor protection.
There is no mandatory minimum deposit, so you don’t need large capital to start.
Account Types Offered
| Account / Profile Type | Access / Features | Minimum Deposit |
|---|---|---|
| Basic | Standard stocks, ETFs, funds (no margin, no shorting/ derivatives) | None |
| Active / Trader | Full access — margin trading, derivatives, options/futures (for eligible clients) | None |
| Custody | Similar to Basic but with extra safeguard: no securities lending / no margin use | None |
| Day Trader (or margin-enabled) | Higher flexibility, intraday/futures orders for frequent traders (if criteria met) | None |
Trading Platforms
- Web-based platform (desktop browser)
- Mobile app (iOS & Android)
- User-friendly interface aimed at long-term investors and casual traders.
- No MetaTrader, no specialized CFD-style tools — mostly for stock/ETF/fund trading. exchanges)
- ETFs and mutual funds (many with low or no fees)
- Bonds, options, futures (for eligible profiles)
- No Forex or crypto trading for most clients — not the focus of DEGIRO.
Fees & Commission
- Very low-cost: many ETFs are commission-free (with a small handling fee) for selected “Core” products.
- Stock trades: e.g. for US or Canadian equities ~ €1 per trade + handling fee, European equities often ~ €3.90 (depending on market)
- No account opening fee; no inactivity or custody fees.
- Currency-conversion fee (for non-euro funds) — about 0.25%.
- Some “connectivity fees” may apply when using certain international exchanges.
Security & Measures
- Regulated EU broker under AFM & BaFin.
- Segregated client assets under flatexDEGIRO Bank, giving legal protection of client funds.
- No mandatory minimum deposit reduces risk for small investors.
- No hidden/recurring fees like inactivity or account maintenance.
Deposit & Withdrawal Options
| Method | Processing Time / Notes | Fees / Notes |
|---|---|---|
| Bank Transfer (SEPA / relevant bank) | Typically 1–3 business days | No deposit fees; withdrawals free (but may be subject to your bank fees) |
| Other methods (Card, e-wallet) | Not supported — only bank transfers accepted | Not applicable |
Customer Support
- Email and phone support during business hours (European time)
- No 24/7 live-chat support — support limited to working days/hours
- Standard support only — no VIP or dedicated account managers for retail clients.
Pros & Cons
Pros
- Very low trading fees and commissions — especially good for stocks/ETFs.
- No minimum deposit required — easy access even for small investors.
- Regulated by EU authorities (AFM, BaFin) and client funds are segregated.
- Wide access to global stock exchanges and many instruments (stocks, ETFs, bonds, funds, futures/options) for eligible profiles.
- Simple web & mobile platform, user-friendly especially for long-term investors and passive investors.
- No inactivity, custody, or maintenance fees.
Cons
- No Forex or crypto trading — not suitable if you want FX leverage or crypto CFDs.
- No advanced trading platforms like MT4/MT5 for charting/algorithmic trading.
- Deposit/withdrawal only by bank transfer — no card or e-wallet options.
- Customer support is basic — often email/phone only during business hours; no 24/7 live chat.
- Some additional fees may apply (currency conversion, connectivity fees for some exchanges, handling fees) depending on markets and trade type.
Is DEGIRO Right for You?
If you are a *long-term investor**or a *low-cost trader* focused on *stocks / ETFs / funds / bonds* (especially in Europe or global equities), and you don’t need Forex, crypto or high-leverage trading — DEGIRO is an excellent, low-cost, well-regulated platform with strong safeguards.
If instead you need *CFDs, Forex, crypto, advanced trading tools, high leverage or 24/7 support*, DEGIRO is likely not the best fit — you may need a more feature-rich broker.
If you decide to choose DEGIRO:
FAQs About DEGIRO
Is DEGIRO regulated?
Yes — DEGIRO operates under flatexDEGIRO Bank and is regulated by AFM (Netherlands) and BaFin (Germany).
Is there a minimum deposit?
No — you can fund with any amount; there’s effectively no minimum deposit requirement.
Does DEGIRO offer margin / leverage?
Yes — for eligible account profiles (Active/Trader), margin trading is available. Basic profiles do not have leverage.
Can I trade Forex or crypto on DEGIRO?
No — DEGIRO does not cater to Forex or crypto trading; its focus is on stocks, ETFs, bonds, funds.
Are there account maintenance or inactivity fees?
No — DEGIRO doesn’t charge fees for inactivity or custody maintenance.
Disclaimers
Investing in stocks, ETFs, bonds, and other instruments involves market risk. Past performance doesn’t guarantee future results. Always invest responsibly, and only with funds you can afford to lose.
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