DEGIROOur research combined the current Dutch Basic/Active/Trader tariff, legal and help pages, and the AFM investment-firm register. Fees in an order depend on the product, venue, currency and selected account features. The stock broker comparison and ETF broker comparison put DEGIRO beside other account routes. This page stays with what a Dutch DEGIRO customer would actually need to check. Our methodology explains how we verify claims.
Who DEGIRO fits
The strongest fit is a self-directed resident who has chosen a listed share or ETF, can identify its ISIN and exchange, and is comfortable choosing a market or limit order. DEGIRO's Dutch product help lists shares, ETFs, options and futures among the available classes. The same interface also exposes bonds, funds and some structured products, but the product permissions and cost model differ. A long-term ETF buyer should not treat a leveraged certificate as an interchangeable version of a fund, even if both appear in search.
Two account questions often decide suitability more than a headline price. First, does DEGIRO offer the exact instrument and venue you want? The Kernselectie is tied to selected ETF/ETC/ETN trading lines on Tradegate. A fund with the same ISIN on another exchange may have a different broker tariff and market spread. Second, will a purchase or sale involve foreign-currency conversion? A US share may show a low commission yet add Auto FX on both directions of a round trip. We explain those costs below rather than calling one route automatically cheap.
Someone needing an adviser or managed portfolio should look elsewhere: flatexDEGIRO Bank's service description says it does not provide investment advice or portfolio management. A trader seeking a dedicated retail index-CFD or rolling-forex account should also use a product-specific comparison. DEGIRO documents listed options, futures and structured products. We found no current Dutch retail CFD dealing tariff in the applicable schedule. A historical search result that mentions CFDs does not establish current access. Our CFD comparison covers confirmed routes.
Entity, account and available products
DEGIRO is the trading name used for brokerage services of flatexDEGIRO Bank SE through its Dutch branch. The current tariff names flatexDEGIRO Bank Dutch Branch. The parent is a German bank primarily supervised by BaFin. The Dutch branch is registered with DNB and subject to AFM and DNB oversight for its Dutch activity, according to the provider's entity and protection explanation. A client should confirm that company in the final agreement instead of relying on an old DeGiro B.V. document returned by a search engine.
The regular broker account offers listed shares and ETFs, bonds and funds. The derivative help says options and futures require an Active, Trader or Day Trader profile and knowledge checks. Structured products such as turbos have their own eligibility route. This makes the distinction between a real share or ETF holding and an option, future or leveraged certificate important. The standard cost table below is for Basic/Active/Trader accounts. Pension accounts and other special profiles can have different terms. Do not carry an option charge over to an ETF order or interpret a stock ticker as proof of any derivative position.
Opening a Dutch account starts in the app. The registration help lists the Netherlands among accepted tax and physical residences and requires an adult applicant, identity document and a bank account in their own name within SEPA. Identity verification uses the phone camera. The provider says registration must be completed on a smartphone. That matters to a desktop-only applicant. Product permissions beyond basic listed securities are an additional step, not something a new account automatically includes.
Fees for a Dutch account
The following figures come from the current Dutch Basic/Active/Trader tariff. They apply to the specified product and route. They are not a promise of the total cost or execution price of every order. The tariff's handling charge is separate from the displayed commission for most exchange transactions.
| Product or service | Published Dutch account charge | Important condition |
|---|---|---|
| Euronext Amsterdam or Brussels share | €2 commission + €1 handling per standard order | Market spread and any applicable transaction tax remain separate. |
| US listed share on NASDAQ, NYSE or NYSE Arca | €1 commission + €1 handling per standard order | Currency conversion usually adds a separate cost for a euro-funded account. |
| Eligible Kernselectie ETF on Tradegate | €0 commission + €1 handling per order | Eligibility belongs to the exact Tradegate line. Fund costs and spread remain. |
| Other ETF order | €2 commission + €1 handling per standard order | Check the venue and issuer costs. |
| Auto FX conversion | 0.25% embedded in the conversion rate | Applies when a foreign-currency conversion occurs. |
| Manual FX conversion | €10 + 0.25% | Manual currency handling is limited to supported currencies and needs a foreign-currency cash balance. |
| Exchange connectivity | Up to €2.50 per exchange per calendar year, subject to a value cap | Excludes Euronext Amsterdam, Brussels and Kernselectie. Not a per-order charge. |
| Euronext listed option or future | €0.75 per contract | Requires appropriate profile/permission. Contract, exchange and exercise charges can differ. |
| EUR debit interest | 4.75% allocated or 6.25% unallocated annually | Applies only when the enabled debit-money service is used. Not part of a cash-funded purchase. |
The tariff's handling section excludes certain transactions, including Tradegate shares and standard options/futures, from the €1 handling charge. That is not an exemption for a Kernselectie ETF: the ETF's zero commission still comes with €1 handling. The exchange-connectivity line is capped at 0.25% of the year's maximum account value for that exchange, and the named exclusions matter. The tariff also lists optional real-time exchange data, portfolio-transfer charges and other services. DEGIRO's cost FAQ says it has no ordinary inactivity fee for these accounts, while pension accounts have separate activity conditions.
The AFM's investment-cost guide is useful alongside the broker tariff: the ETF issuer's ongoing charge and the market bid/ask spread are costs even where a broker labels its own execution commission zero. They are not fixed by DEGIRO's fee table. Borrowing to buy securities or shorting adds interest or borrow charges, so the cash-order examples below should not be used as a financing illustration. A derivative's embedded product charges may also differ from the listed transaction charge.
Three order-cost examples
For an Amsterdam share order worth €1,000, assume an ordinary cash-funded Euronext Amsterdam stock trade and no product-specific tax. The broker's explicit order charges are €2 commission plus €1 handling, or €3 for that order. Euronext Amsterdam is excluded from DEGIRO's exchange-connectivity charge. The actual cash debit also reflects the execution price and bid/ask spread. A later sale incurs its own order charges. The Dutch share-buying page shows the same Amsterdam commission and handling structure. No US-share FX assumption is needed for a euro-traded Amsterdam line.
For a €1,000 Tradegate Kernselectie ETF purchase, assume the exact ETF line appears in the provider's Dutch selection. The broker order charge is €0 commission plus €1 handling, or €1. The Kernselectie route is excluded from the exchange-connectivity charge. A similar ETF on another venue may move to the ordinary ETF charge of €2 plus €1 handling, and may have a different market spread. The fund's ongoing cost is set by its issuer and reflected within the fund, not in the €1 broker fee. The example does not assume that every UCITS fund is selected.
For a US listed share order, the tariff's explicit exchange order charge is €1 commission plus €1 handling. A euro-funded purchase normally also triggers currency conversion unless the account has an applicable foreign-currency balance and setting. The currency help says Auto FX is the default and its 0.25% cost is built into the conversion price. Manual conversion is €10 plus 0.25%. A €1,000 equivalent conversion would make the percentage component approximately €2.50, but the precise euro debit depends on the conversion rate, USD trade value and timing. A sale and conversion back can add another FX charge. We therefore do not label the US share trade simply a €2 trade. A portfolio transfer out can also matter later: the tariff lists €20 per position line plus external costs, while an incoming transfer is listed as free.
Web and app order workflow
The DEGIRO app can place stock, ETF, bond and option orders and monitor the portfolio, according to the Dutch app help. It describes market, limit, stop-loss and stop-limit entry. The web platform also provides order and reporting views. The order-type guide shows that some advanced order types are venue-restricted. A reader should inspect the actual order ticket for the intended exchange rather than assume a feature advertised generally is enabled everywhere.
One practical sequence is to search by ISIN, choose the correct exchange and currency, read the instrument document, compare the displayed bid and ask with the data status, select an order type and inspect its estimated value. DEGIRO's quote FAQ explains that some free displayed market prices can be delayed even though order execution is in real time. The current data schedule lists free real-time data for several venues including Euronext Amsterdam and paid subscriptions for some others. The appropriate check is the specific market's label in the account, not a blanket statement that all quotes are live or all are delayed. For a first listed-share order, our buying-shares guide explains how market and limit orders differ.
Two Dutch customer reports show both sides of the order workflow. A positive Trustpilot review describes quick order entry, changes to pending orders and a searchable view of pending and executed trades. This is an individual customer report, not a platform-wide performance measure. DEGIRO's order guide confirms that web and app tickets show an order summary and estimated DEGIRO charges before final confirmation. A reader can use that preview to check the ISIN, venue, quantity, order type and costs, then find the order in the account history. The reviewer did not identify a particular exchange or claim that every order type is available on every market.
A negative Trustpilot review reports that the customer could not open the order page during a sharp market fall. DEGIRO's reply acknowledged the report and invited a service-desk investigation; it did not establish a platform-wide outage, its cause or how long the issue lasted. This matters to an investor who expects to act at a particular market moment. DEGIRO's current technical-problem instructions say an email order from the registered address is an alternative if the platform cannot place it, with phone ordering exceptionally available if email is not possible. These are day orders with a €100,000 maximum and extra service charges; the firm processes email orders on a best-effort basis and does not promise the same price or timing. Its help says extra charges can be requested back when the alternative order was needed because of a DEGIRO technical problem. Save the failed-ticket details and time, and read the official order instructions before relying on this fallback. The public customer report alone does not prove that the reimbursement condition was met.
Cash, custody and protection
The account separates uninvested cash from securities. DEGIRO says it opens a personal linked cash account with flatexDEGIRO Bank SE and an IBAN. It cannot function as an ordinary payments account. Its cash-account explanation says qualifying uninvested deposits fall under the German deposit-guarantee scheme up to €100,000 per depositor per bank. This is a cash-deposit protection, not a guarantee that a share or ETF maintains its market value.
For securities, DEGIRO's Dutch safeguarding page describes separate special-purpose vehicles holding client assets and a German investor-compensation arrangement if segregated assets cannot be returned. It states compensation of 90% of the missing amount up to €20,000 in that specified case. The segregation structure and compensation backstop address custody failure, not normal price changes or every operational dispute. The exact chain and third-party custody terms should be read in the current customer documents if custody detail is central to a decision.
Securities lending requires a separate current check. DEGIRO's Dutch FAQ says its lending service is voluntary and securities are lent only after a customer explicitly opts in. That differs from some historical documents found in search results. If a customer joins, the service description explains collateral, compensation and temporary transfer of legal title. It can affect voting and the timing of returned securities. Anyone considering the feature should read its separate agreement rather than infer lending terms from the basic broker fee schedule. Our broker-safety guide distinguishes legal entity, cash and custody checks.
Tax records and transfers
A Netherlands resident may need a year-end portfolio value, cash balance, transactions, dividends and costs for their own tax records. DEGIRO's Dutch reporting guide says the fiscal annual statement and cost-and-charges summary are downloadable under Inbox → Documents on web and in the app. It also describes transaction, account, bank and portfolio exports in PDF, CSV or spreadsheet format. These documents help reconcile a return but do not decide an individual's tax treatment. Our Netherlands tax guide explains the broader record questions using tax-authority sources.
If portability matters, inspect DEGIRO's transfer-out terms before building a portfolio of many positions. The tariff lists an outgoing portfolio transfer of €20 per line plus external costs. An incoming transfer is listed without a DEGIRO charge. The practical transfer also depends on whether another broker accepts the exact instrument and trading line. Selling positions instead of transferring them creates market exposure, spreads and transaction costs, so a quoted transfer fee should be compared with the real alternatives rather than viewed alone.
When another route fits
DEGIRO can fit a resident who makes deliberate listed-security orders and wants clear published exchange tariffs, a Dutch help centre and year-end documents. It may fit less well when the intended ETF is outside its selected venue, many US trades create repeated FX conversions, or the reader wants a recurring plan with automatic purchases rather than manual orders. The ETF broker comparison evaluates monthly-plan routes. It may also fit less well for a person who needs advisory service, an integrated managed portfolio or a dedicated retail CFD interface. The review directory lists other account routes, and the broker comparison explains which trade-offs matter across them.
Frequently asked questions
Is DEGIRO's Kernselectie completely free?
No. The applicable Tradegate ETF line has €0 broker commission, but the Dutch tariff adds €1 handling per order. The bid/ask spread and ETF issuer's ongoing costs remain. Eligibility is for the selected listing, not automatically for the same fund on every exchange. Check the ISIN and venue in the actual order ticket.
How much is a US share purchase from a euro account?
The current Dutch schedule lists €1 share commission plus €1 handling for the specified US exchanges. If euros are converted to dollars, Auto FX adds 0.25% within the conversion price, or the supported manual route has €10 plus 0.25%. The actual conversion and spread depend on the trade value and exchange rate, and a later sale/conversion has its own costs. A universal euro total cannot be inferred from the share commission alone.
Are DEGIRO securities the same as cash in the linked bank account?
No. The linked flatexDEGIRO Bank SE cash account and its German deposit guarantee concern qualifying uninvested money. Securities are held through the separate custody arrangement described by DEGIRO, with a different compensation backstop if assets cannot be returned. Neither arrangement protects against a fall in a security's price.
Does DEGIRO lend client securities automatically?
Its current Dutch lending help says the service is voluntary and requires explicit sign-up. A customer considering it should read the separate lending terms, including collateral and voting consequences. Historical search results can describe older arrangements and should not override the present account documents.
Can I trade options, CFDs and forex on the same DEGIRO account?
DEGIRO documents listed options and futures for enabled profiles with knowledge checks. It also offers certain structured products. Its current Dutch regular-account tariff does not establish a standard retail CFD or rolling-forex dealing account, and currency conversion for a US share is not the same product as a forex derivative. Check the exact account permissions and contract before treating any similarly named product as available.
How should I compare a Kernselectie ETF with an ordinary ETF order?
Start with the exact ISIN and trading venue. DEGIRO's Kernselectie conditions connect the selected programme to Tradegate and its specified handling charge. A fund with the same exposure on another exchange may follow the ordinary ETF tariff. Add the fund's own ongoing expense and the actual bid–ask spread, then estimate your number of purchases and eventual sales. A low price for the first monthly order is useful only if the exact ETF and venue fit the investor's plan. For a US-listed or foreign-currency security, include Auto FX or manual conversion under the Dutch tariff. A broad “ETF” label is too coarse to price the purchase.
What should I check before transferring a DEGIRO portfolio?
List every holding by ISIN and trading line, then ask the receiving broker whether it accepts each position in kind. DEGIRO's tariff quotes an outgoing charge per position line plus possible external costs, so a portfolio of many small holdings can be more expensive to move than one large line. A sale followed by a new purchase is a different economic route: it involves two market prices, possible spread, commissions and FX, and a period when the investor does not hold the security. Keep the annual statements and transaction exports before changing providers. Transfer convenience is part of broker suitability, even when the first order is cheap.