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European execution-only online stock/ETF and multi-asset broker operated by flatexDEGIRO Bank Dutch Branch, a branch of flatexDEGIRO Bank SE.
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91
/100
Overall
Overall looks strong, with high-confidence evidence. Still verify country/entity terms.
Headline score from research fields, regulation evidence, and scoring payload.
European self-directed investors seeking low-cost access to stocks and ETFs · Investors who prefer web/mobile platforms and exchange-traded products
Entity, country restrictions, and high-risk fee fields should be checked carefully.
Before you decide
Restricted Countries
Available via listed country selector in Europe/UK; US persons are not accepted; UK onboarding for new clients was temporarily unavailable on the reviewed UK page.
Negative Balance Protection
No negative balance protection found. Official account-profile page warns losses can exceed deposit and result in a negative Balance for derivatives, margin and short-selling services; margin profiles are legacy-only.
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Important disclosure
Availability, fees, investor protection, and regulation can vary by country and legal entity. Verify the broker and regulator details directly before opening an account.
91
/100
Overall score
Overall score looks strong, with high-confidence evidence. Still verify country/entity terms.
Trust looks strong, with high-confidence evidence. Still verify country/entity terms.
Withdrawal looks strong, with high-confidence evidence. Still verify country/entity terms.
Availability
Availability can vary by legal entity, account type, and local regulation. Treat this as a shortlist signal and verify details with the broker before opening an account.
Available via listed country selector in Europe/UK; US persons are not accepted; UK onboarding for new clients was temporarily unavailable on the reviewed UK page.
SourceEvidence
Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB.
SourceFinancial licence number not disclosed in reviewed official sources. Commercial registrations found: flatexDEGIRO Bank SE HRB 141330 on flatexDEGIRO Bank SE imprint; DEGIRO UK footer states HRB 105687; Dutch Branch KvK 82510245.
SourceDEGIRO is operated by flatexDEGIRO Bank Dutch Branch, a branch of flatexDEGIRO Bank SE; flatexDEGIRO Bank SE is a licensed German bank headquartered in Frankfurt am Main.
SourceNo negative balance protection found. Official account-profile page warns losses can exceed deposit and result in a negative Balance for derivatives, margin and short-selling services; margin profiles are legacy-only.
SourceCash in flatexDEGIRO Bank SE Cash Account protected up to €100,000 per customer under German Deposit Guarantee Scheme; investor compensation covers up to 90% of non-returned assets, max €20,000 per customer; UK FSCS does not apply.
SourceNo fixed minimum deposit identified; DEGIRO homepage says users can add any amount of money to the account for free. Bank-account verification search result states minimum EUR 0.01 for linking a new bank account.
SourceNot a quoted-spread CFD/FX broker field. DEGIRO discloses that bid-ask spreads are implicit market costs and not direct broker costs.
SourceExamples from UK fee page: US stocks €1 + €1 handling; LSE £1.75 + £1 handling; selected ETFs €0 + €1 handling; global ETFs €2 + €1 handling; options €0.75 commission. Currency, connectivity, external product and spread costs may apply.
SourceAvailable via listed country selector in Europe/UK; US persons are not accepted; UK onboarding for new clients was temporarily unavailable on the reviewed UK page.
SourceShares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability.
SourceDEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android.
SourceDEGIRO account/profile types include Basic, Active, Trader, Day Trader and Custody. Active, Trader and Day Trader are legacy-only and new margin profiles are no longer available.
SourceVS next
These brokers share similar type or asset-class signals. Open the VS page to compare regulation, cost, platforms, withdrawals, and caveats side by side.
Overall 91 · Trust 100
DEGIRO currently does not allow new changes to margin-trading profiles; legacy Active/Trader/Day Trader accounts may have Debit Money / derivatives risk but maximum leverage was not disclosed in reviewed sources.
SourceNo deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees.
SourceNo withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees.
SourceNo inactivity fee; UK fee page lists inactivity fee as €0.
SourceManual bank transfer from a verified linked/reference bank account; deposits must use the account base currency.
SourceWithdrawals go back to the primary registered/linked bank account; only uninvested cash in the Cash Account can be withdrawn.
Source
Overall 91 · Trust 100
Overall 91 · Trust 94