DEGIRO Review 2026: my Favourite Online Stock Broker
A comprehensive review of DEGIRO based on 4+ years of investing experience
Quick Verdict
After more than four years of investing with DEGIRO, it's a great broker both for long-term investors and people trading regularly. Very easy to use, with very small fees, and with no bad surprises at all.
Try DEGIROWhat is DEGIRO?
DEGIRO is an online broker based in the Netherlands and was founded in 2008, and opened in 2013 to retail clients. Their goal is to create an online brokerage platform that is affordable for the users and making trading stocks as simple as possible. They also provide access to a wide range of financial markets worldwide.
It is registered with the Chamber of Commerce & Industry of Amsterdam, with the registration number 34342820. It is also regulated by the Dutch financial regulators AFM and DNB.
What Returns Can You Expect?
Real returns based on my investing experience
Fees on DEGIRO are very low, as this is one of the main goals of the company to make investing in the stock market as affordable as possible. First, there is no account opening fee, no inactivity fee (in case you don't trade), and it's also free to withdraw money. That makes it, for example, a perfect platform for long-term value investing (like I do) as you don't make trades that often.
Speaking about trades, fees are also very low on the platform. For example, as an investor on their French platform, it only costs me 0.55€ to buy 2,000€ worth of Apple stock on DEGIRO, whereas with my traditional bank it would cost 32.58€. Note that there is also no fee at all on dividend distributions, which is also great for dividend growth investors. Overall, it is really cheap to invest with DEGIRO, and in most cases, those fees won't impact your investments at all on the contrary to most other brokers or banks.
Platform Features & Usability
DEGIRO offers a clean and user-friendly trading experience suitable for both beginners and experienced investors.
Easy-to-Use Interface
Clean and responsive desktop website that's perfect for beginners and long-term investors
Mobile App
Well-designed mobile application for trading on the go
Global Market Access
Access to 32 stock markets worldwide and over 5,400 ETFs
Free ETF Trade
One free ETF trade per month from their curated selection
Perfect for dividend growth investors with no fees on dividend distributions
Is DEGIRO Safe?
Key safety features and regulatory compliance
Fully Regulated
Regulated by Dutch Central Bank (DNB) and Netherlands Financial Market authorities (AFM)
10+ Years Operating
Founded in 2008 with a solid track record of over 14 years in the industry
Asset Protection
Stocks & ETFs are exchange-traded, meaning your assets remain safe even if DEGIRO goes bankrupt
Two-Step Authentication
Advanced security features including 2FA to protect your account from unauthorized access
🏢 Company Background & Regulation
DEGIRO has been operating since 2008, which is more than ten years now, so that's a great track record. The platform is fully regulated by the Dutch Central Bank and by the Netherlands Financial Market authorities. It's also registered with the financial authorities in countries in which it operates, for example with the FCA in the UK.
💼 What Happens If DEGIRO Goes Bankrupt?
The nice thing here is that stocks & ETFs on the platform are exchange-traded, meaning that even if DEGIRO goes bankrupt, your assets will be safe as you are the owner of the stocks & ETFs you buy via DEGIRO. They also have two-step authentication available on their platform, which I really recommend activating to keep your account safe in case your password gets compromised.
Getting Started on DEGIRO
Open Your Account Online
Fill out the online forms and upload a copy of your ID card or passport. Provide the IBAN of your bank account. The account is usually opened within 1-3 days with no initial deposit required.
Confirm Risk Awareness
Once your account is ready, confirm that you are aware of the risks that come with investing and accept their terms & conditions.
Deposit Funds
Send a bank transfer from the account you provided during registration. Make sure it's in the currency of your DEGIRO account. Funds typically arrive in 1-2 days.
Start Trading
Once your funds are available, you can start buying stocks and ETFs from 32 global markets. Use the clean desktop interface or mobile app to place your trades.
Pros & Cons
Pros
- ✓Very low trading fees (e.g., €0.55 for €2,000 trade vs €32.58 at traditional banks)
- ✓No account opening fee
- ✓No inactivity fee for long-term investors
- ✓Free withdrawals
- ✓No fees on dividend distributions
- ✓Easy to use platform for beginners
- ✓Clean and responsive desktop interface
- ✓Well-designed mobile app
- ✓Access to 32 stock markets globally
- ✓One free ETF trade per month from their selection
Cons
- ✗No credit card deposits available (only bank transfers)
- ✗Deposits take 1-2 days to clear
- ✗Platform might be too basic for advanced traders
- ✗Fewer ETFs compared to some competitors (5,400)
My Experience with DEGIRO
I started investing with DEGIRO four years ago, using it primarily for dividend growth stocks. The platform has been my main broker for stock market investments, and I have nothing bad to report about the platform during this entire period.