DEGIRO fees matter because they directly influence your net returns. This hub explains how the fee structure works, what components to watch, and how costs can differ by market, product, and account profile. While DEGIRO is known for low-cost access to a wide range of exchanges, your actual cost depends on your trading style, instruments, and currency exposure. Use this page to understand the moving parts, compare typical broker models, and build a personalized estimate so you can choose with confidence.
At a glance: What DEGIRO fees cover
- Trading commissions for products such as shares, ETFs, bonds, options, and futures.
- Exchange, clearing, and regulatory pass-through charges that can vary by market.
- Foreign exchange (FX) conversion when trading products not denominated in your base currency.
- Market data or connectivity-related charges where applicable to your market and subscription choices.
- Custody profile considerations (e.g., treatment of dividends, corporate actions).
- Service items such as deposits, withdrawals, and statements (terms can vary by country and profile).
DEGIRO fee components explained
1) Trading commissions
These are the core fees for placing buy and sell orders in equities, ETFs, bonds, and other instruments. Commission levels may differ across exchanges and products. Order type, venue, and order volume can also impact the total you pay.
2) Exchange, clearing, and regulatory charges
Some costs are passed through from exchanges, clearing houses, and regulators. These are typically assessed on a per-trade or per-contract basis and differ by country and venue. They are separate from broker commissions.
3) FX conversion
If you trade securities in a currency other than your base currency, FX conversion applies when you buy, sell, or receive income (like dividends) in a foreign currency. The method (auto vs. manual conversion) and applied rate or markup determine your effective FX cost.
4) Derivatives: options and futures
Derivatives generally carry per-contract fees in addition to any exchange, clearing, and regulatory charges. Margin requirements and financing considerations are separate from trading fees but affect your total cost of using leverage.
5) Market data and connectivity
Real-time data, additional venues, or premium market data may involve recurring or usage-based fees, depending on your selections and local availability. Delayed quotes are often available without additional cost, while professional users may face different data terms.
6) Corporate actions and custody profile considerations
DEGIRO offers different account profiles. A custody-style profile may change how certain corporate actions or income events (like dividends) are processed and may involve specific handling charges, while a standard profile may permit securities lending by the broker. Review profile differences carefully to understand potential fee impacts.
7) Funding, withdrawals, and other service items
Deposits, withdrawals, statements, and account certifications may be free or carry nominal charges depending on the method, region, and local terms. Some markets may apply periodic service or platform fees; check the current local schedule.
How DEGIRO calculates total cost in practice
- Per order: Commission plus any venue-specific and regulatory pass-throughs.
- Per product: Different schedules often apply to shares/ETFs vs. bonds vs. derivatives.
- Per currency: FX conversion adds to cost when trading in non-base currencies.
- Per profile: Standard vs. custody or activity-based differences can affect specific events and data.
- Per market: Each exchange can have unique fee components and market data policies.
The combined effect is your all-in cost per trade and over time. To estimate, map your expected activity (number of trades, instruments, markets, and currencies) against the latest fee schedule for your country of residence and chosen profile.
DEGIRO vs. other broker models: Key comparisons
Low-cost multi-market brokers (like DEGIRO)
- Pros: Broad market access, typically competitive commissions, transparent pass-throughs.
- Cons: Costs can be more granular; FX and market data choices matter for the final bill.
Traditional bank brokers
- Pros: Integrated banking services, local support, simple statements.
- Cons: Often higher commissions and platform fees; limited international access in some cases.
Zero-commission brokers
- Pros: No headline trading commission for certain products; simple for frequent small trades.
- Cons: Potentially wider spreads, payment for order flow or routing differences, limited markets/products, and fees shifted to other areas (FX, data, or premium services).
How to evaluate your DEGIRO costs
- List your target markets and instruments (e.g., domestic stocks, US ETFs, options).
- Estimate monthly trades and average order size for each instrument.
- Identify currencies involved and your likely FX conversion frequency.
- Decide on market data needs (delayed vs. real-time; retail vs. professional).
- Choose an account profile and note differences for dividends and corporate actions.
- Add one-off or periodic service items you may use (statements, transfers).
- Combine the above with the current local fee schedule to produce an all-in estimate.
How to choose: Quick checklist
- Clarity: Can you easily map every expected activity to a fee line?
- Relevance: Does the fee schedule align with your markets, products, and data needs?
- FX impact: Are you frequently crossing currencies, and which conversion method suits you?
- Profile fit: Do you prefer a standard profile or a custody-style setup?
- Total cost: What is your expected cost per month/quarter based on realistic activity?
- Scalability: Will costs remain predictable as your trading or investing grows?
Frequently asked questions (FAQ)
Are DEGIRO fees the same in every country?
No. The schedule varies by country of residence, exchange access, account profile, and regulatory environment. Always refer to your local, current schedule.
Does DEGIRO charge inactivity fees?
Policies can differ by region and may change over time. Review the current terms for your location to confirm whether any inactivity or periodic service fees apply.
How do FX costs affect my total bill?
Trading in a non-base currency introduces conversion costs on trades and potentially on income events. The chosen conversion method and rate determine the effective FX cost.
Are any ETFs commission-free at DEGIRO?
Some regions have promotions or "core" selections with specific conditions. Availability, eligibility, and terms can change, so verify the latest rules for your market.
What is the difference between standard and custody profiles?
Standard profiles typically allow securities lending by the broker and may have different processing for corporate actions. Custody profiles aim to segregate assets from lending but can involve distinct handling or pass-through charges. Compare the detailed terms before choosing.
Where do exchange and regulatory fees show up?
They usually appear as separate line items on trade confirmations or statements and are passed through based on the relevant venue's rules.
How can I minimize my DEGIRO fees?
Batch smaller orders when appropriate, choose suitable market data options, be mindful of FX conversions, and select the account profile that matches your income and corporate action preferences.
This hub is for general information only. Always consult your local DEGIRO fee schedule and terms for the most current, applicable details.
