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DEGIRO: Advantages, Disadvantages, and What to Watch Out For
Key takeaways
- DEGIRO is one of the most widely used low-cost brokers available in the Czech Republic.
- Specific fees change — always verify the current fee schedule directly with DEGIRO.
- The broker is regulated and falls under the Dutch investor protection system.
- Watch out for the dividend processing fee on distributing ETFs.
- This overview is not a recommendation — the choice of broker depends on your situation.
DEGIRO is a Dutch online broker available in the Czech Republic that has built its position on low trading fees and broad access to European exchanges. A factual look at what it offers and where its limitations lie.
What DEGIRO Offers
DEGIRO provides access to a range of European and global exchanges, trading in shares, ETFs, bonds, and other instruments. The interface is available in Czech. The broker is regulated by AFM (Autoriteit Financiële Markten) in the Netherlands and within the EU. Deposits are protected in accordance with European regulation — verify the specific protection terms on DEGIRO's website or with the regulator.
Strengths
- Low trading fees (verify specific rates in the current fee schedule — fees change).
- Access to many European exchanges including Xetra, where a large portion of UCITS ETFs trade.
- Czech-language environment and customer support.
- Mobile and web application with sufficient functionality for a passive investor.
What to Watch Out For
- Dividend processing fee — DEGIRO charges a fee for each dividend payment from a distributing ETF or share. For investors with many positions, this can add up.
- Currency conversion — Automatic currency conversion comes at a cost. A manual conversion option is available and is typically more favorable — verify the current terms.
- Custody model — DEGIRO uses shared custody (omnibus) by default. A paid Custody account with direct registration exists. The difference concerns the ownership structure in the event of broker insolvency.
- Limited products — The platform is not suitable for complex derivatives or, for example, bonds in small volumes.
Who It Suits
DEGIRO is often mentioned as suitable for investors who trade infrequently and are looking for low ETF purchase costs. Whether it is the right choice for you depends on your profile — volume, currency, purchase frequency, and other factors. For a detailed comparison, see how to compare broker fees.
FAQ
Is DEGIRO a safe broker?
DEGIRO is regulated by the Dutch regulator AFM and is subject to European regulation. Verify the specific terms of investor protection (insurance limits, custody model) directly with the broker or on the regulator's website.
What are DEGIRO's fees?
DEGIRO's specific fees change and cannot be stated as current facts. Always verify the current fee schedule directly on DEGIRO's website before making any decision.
What is a Custody account at DEGIRO?
DEGIRO offers a standard account (shared custody) and a paid Custody account (direct registration). The difference lies in how assets are recorded in the event of broker insolvency. Verify details with DEGIRO.