Degiro Review 2026
Established in 2008
•
Germany
• BaFin Regulated
Degiro is one of our top-rated forex brokers, scoring 4.5/5 in our comprehensive testing. Regulated by BaFin (highest protection tier), this broker offers spreads from 0.0 pips on EUR/USD with a minimum deposit of $0. Trade 1000000+ instruments including forex, CFDs, and more.
📊 Degiro Overview
Degiro (flatexDEGIRO Bank AG) is a well-established broker founded in 2008 headquartered in Frankfurt, Germany. The broker operates under the supervision of BaFin , one of the world's most respected financial regulators known for strict oversight and investor protection .
With access to 1000000+ tradable instruments , 50000 stocks , Degiro caters to diverse trading strategies.
| Legal Name | flatexDEGIRO Bank AG |
|---|---|
| Founded | 2008 |
| Headquarters |
Frankfurt, Germany
|
| Primary Regulation | BaFin (Tier 1 - Highest Protection) |
| Publicly Traded | Yes (FTK.DE) |
| Instruments | 1000000+ assets |
| Min Deposit | $0 |
| Max Leverage | 1:5 |
📖 Degiro — In-Depth Introduction
Degiro, a veteran broker founded in 2008, has built an impressive track record spanning 18 years of continuous operation. Degiro's BaFin authorization subjects the broker to rigorous compliance requirements, regular audits, and strict capital adequacy rules—providing peace of mind for safety-conscious traders. Degiro focuses on accessibility, requiring just $100 to open a live account—making it suitable for beginners testing the waters.
Company Background
Degiro (legally flatexDEGIRO Bank AG) has been operating in the financial services industry for 18 years. Headquartered in Frankfurt, Germany, the company has weathered multiple market cycles including the 2008 financial crisis and the 2020 pandemic volatility, demonstrating operational resilience.
As a publicly traded company (FTK.DE), Degiro is subject to enhanced financial disclosure requirements, providing an additional layer of transparency.
The broker provides access to 1000000+ tradable instruments.
💸 Degiro Fees — Complete Cost Analysis
Trading costs at Degiro are reasonable, with 1.0 pip spreads on EUR/USD representing fair value in the current market. Degiro operates on a spread-only model with no commission charges on standard accounts. This simplifies cost calculation—what you see in the spread is what you pay. For context, a day trader executing 5 round-turn trades daily at 1 lot each would pay roughly $50 in spread costs per day with Degiro. Over a month (22 trading days), that's $1100.
Trading Costs Breakdown
💡 Cost Calculator: Degiro
Non-Trading Fees
| Fee Type | Degiro | Industry Average |
|---|---|---|
| Deposit Fee | Free | Free - $25 |
| Withdrawal Fee | Varies by method | $0 - $50 |
| Inactivity Fee | None | $10-50/month |
Want to compare fees with other brokers?
⚖️ Compare🛡️ Is Degiro Safe? — Complete Security Analysis
Degiro's 96/100 Trust Score places it among the safest brokers in our database. This score is calculated using 15+ safety factors including regulation, fund segregation, and company transparency. Degiro implements institutional-grade fund security: segregated accounts, regular third-party audits, and in some jurisdictions, investor compensation scheme coverage up to €20,000.
Regulatory Framework
Degiro is regulated by BaFin.
Security Features Checklist
Understanding the Trust Score
Our 96/100 Trust Score is calculated using 15+ safety factors including regulation, company history, financial transparency, and client fund protection.
📋 Methodology👤 Who Should Use Degiro?
✅ Best For
- Beginners will appreciate Degiro's low $100 minimum deposit, free demo account, and educational resources. The learning curve is manageable, making it suitable for those just starting their trading journey.
- Professional traders will appreciate Degiro's institutional-grade features: tight spreads, advanced platforms, API access, and high leverage options (where permitted).
❌ May Not Suit
- Those seeking the absolute lowest trading costs.
Looking for alternatives?
📝 The Bottom Line on Degiro
Degiro earns our strong recommendation as a top-tier broker with a 4.5/5 rating.
📈 Degiro Detailed Scores
Our expert team evaluates brokers across 8 key categories. Here's how Degiro performed in our rigorous testing:
Degiro is among the best brokers we've reviewed, excelling in multiple categories.
💰 Degiro Fees & Spreads
Understanding trading costs is crucial for profitability. Degiro uses a Variable spread model with no commission on standard accounts.
📊 Typical Spreads
| Pair | Min | Average |
|---|---|---|
| EUR/USD | N/A | N/A pips |
| GBP/USD | 0.8 | 1.2 pips |
| USD/JPY | 0.6 | 1.0 pips |
| XAU/USD | 15 | 25 cents |
💳 Other Fees
| Commission (ECN) | No commission |
| Deposit Fee | Free |
| Withdrawal Fee | Free (method dependent) |
| Inactivity Fee | None |
| Swap-Free (Islamic) | Not available |
💡 Trading Cost Example
Trading 1 standard lot (100,000 units) of EUR/USD with Degiro:
- Spread Cost: 1.0 pips × $10/pip = $10.0
- Commission: $0
- Total Cost: $10.0 per lot
🛡️ Degiro Regulation & Safety
Degiro is regulated by BaFin, a Tier 1 - Highest Protection regulatory authority. This means the broker must adhere to the strictest financial regulations, including capital requirements, regular audits, and mandatory investor protection schemes.
📜 Regulatory Licenses
- BaFin
- DNB
- AFM
🔒 Safety Features
- ✓ Segregated Client Funds
- ✓ Negative Balance Protection
- ✗ Investor Compensation
- ✓ Publicly Traded (FTK.DE)
🎯 Trust Score: 96/100
High Trust: Degiro has demonstrated excellent regulatory compliance and safety standards.
🖥️ Degiro Trading Platforms
Degiro offers 3 trading platforms, giving traders flexibility in how they access the markets.
MetaTrader 4
The world's most popular forex platform. Ideal for beginners and algo traders with Expert Advisor support.
- ✓ Expert Advisors (EAs)
- ✓ Custom Indicators
- ✓ One-Click Trading
- ✓ Mobile & Desktop
MetaTrader 5
Advanced multi-asset platform with more timeframes, order types, and improved backtesting.
- ✓ 21 Timeframes
- ✓ Depth of Market
- ✓ Economic Calendar
- ✓ Multi-Asset Support
DEGIRO Trader
Degiro's custom-built trading platform designed specifically for their clients.
- ✓ Custom Features
- ✓ Integrated Tools
📋 Platform Comparison
| Feature | MT4 | MT5 | cTrader | DEGIRO Trader |
|---|---|---|---|---|
| Available | ✓ | ✓ | ✗ | ✓ |
| Copy Trading | ✗ | ✗ | ✗ | ✗ |
| Algo Trading | ✓ | ✓ | ✗ | ✗ |
| VPS Available | Not offered | |||
| API Access | Not available | |||
🌐 Degiro Tradable Instruments
Degiro offers access to 1000000+ tradable instruments across multiple asset classes. , and 50000 global stocks.
👤 Degiro Account Types
Degiro offers various account types to suit different trading needs and experience levels.
Not available
Not available
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Not available
💳 Degiro Deposits & Withdrawals
Degiro requires a minimum deposit of $0 — one of the most accessible in the industry.
📥 Deposit Methods
- 💳Credit/Debit Cards
- 🏦Bank Wire Transfer
- 📱E-Wallets (Skrill, Neteller)
📤 Withdrawal Methods
- 💳Credit/Debit Cards
- 🏦Bank Wire Transfer
- 📱E-Wallets
⚖️ Degiro Pros & Cons
✅ Pros
- Top-tier BaFin regulation ensures high safety standards
- Offers both MetaTrader 4 and MetaTrader 5 platforms
- Negative balance protection for retail traders
❌ Cons
- No copy trading feature
- Limited educational resources for advanced traders
📚 Degiro Education & Research
Degiro's educational offerings are limited compared to some competitors.
Limited
Not available
Basic coverage
Available on trading platforms
🎧 Degiro Customer Support
Degiro offers customer support to assist traders with their queries.
⭐ Degiro User Reviews
📝 User reviews will be displayed here. Share your experience with Degiro!
Write a Review🏆 Degiro — Our Verdict
Degiro is among the best forex brokers we've tested. With BaFin regulation, 0.0 pips EUR/USD spreads, and a $0 minimum deposit, this broker is well-suited for both beginners and experienced traders .
Best for: Safety-focused traders , Beginners with limited capital
⚠️ Risk Warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74-89% of retail investor accounts lose money when trading CFDs with this provider. Consider whether you understand how CFDs work and whether you can afford the high risk of losing your money.
❓ Degiro — Frequently Asked Questions
Is Degiro a safe and regulated broker?
Yes, Degiro is regulated by BaFin, which is a Tier 1 - Highest Protection regulatory authority. The broker also holds licenses from 2 additional regulators. Client funds are kept in segregated accounts with negative balance protection.
What is the minimum deposit at Degiro?
The minimum deposit at Degiro is $0. This means you can start with any amount. This is considered low and accessible for beginners.
What trading platforms does Degiro offer?
Degiro offers the following trading platforms:
- MetaTrader 4 (MT4) — The most popular forex trading platform
- MetaTrader 5 (MT5) — Advanced multi-asset platform
- DEGIRO Trader — Custom-built trading solution
What are Degiro's spreads on EUR/USD?
Degiro offers EUR/USD spreads . The broker uses Variable spreads.
How long do withdrawals take at Degiro?
Withdrawal processing times at Degiro depend on the payment method:
- E-wallets: 0-24 hours
- Credit/Debit Cards: 2-5 business days
- Bank Transfers: 3-7 business days
Does Degiro offer a demo account?
Check Degiro's website for demo account availability, as this may vary by region.
What is Degiro's maximum leverage?
Degiro offers maximum leverage of 1:5. However, note that leverage limits vary by region due to regulatory requirements:
- EU/UK/Australia: Up to 1:30 for major forex pairs (retail)
- Professional traders: Higher leverage may be available upon qualification
- Other jurisdictions: Leverage up to 1:5 may be available
Higher leverage increases both potential profits and potential losses.
Can I use Degiro in ?
Degiro accepts traders from . The broker operates under BaFin regulation. Always verify current availability and applicable regulations on the broker's website.
Does Degiro offer Islamic (swap-free) accounts?
Degiro does not currently advertise Islamic accounts. If you require swap-free trading, we recommend contacting them directly or considering an alternative broker.
What instruments can I trade with Degiro?
Degiro offers access to 1000000+ tradable instruments:
- 50000 Stock CFDs
