DEGIRO Review 2026
A licensed kitchen with real, checkable paperwork.
DEGIRO opened its doors in 2008 and cooks as a regulated CFD broker, carrying AFM licence 12060.
What's on the menu
DEGIRO has been serving since 2008, with the kitchen based in Amsterdam, Netherlands. The firm is privately held. The order book runs deep: 50,000 CFD instruments spanning forex, indices, commodities and crypto. Beyond the CFD menu, you can also own real shares outright.
MetaTrader is off the menu; the broker cooks only on its own in-house platform. There is no copy-trading option here.
| Founded | 2008 |
| Headquarters | Amsterdam, Netherlands |
| Instruments | 50,000+ |
| Platforms | DEGIRO Platform, DEGIRO App |
| MetaTrader | No |
| Copy trading | No |
| Real stocks | Yes |
Kitchen inspection: is DEGIRO safe?
The Seychelles FSA is an offshore regulator. It requires broker registration and basic conduct rules, but does not offer the same client protections as the FCA, CySEC, or ASIC. There is no compensation scheme and leverage limits are not imposed.
| Regulator | Licence | Entity |
|---|---|---|
| AFM | 12060 ✓ | DEGIRO B.V. |
| BaFin | 151148 ✓ | DEGIRO GmbH |
Want to inspect the kitchen yourself? Pull up investingchef.com and look up the AFM licence. The listing lays out the entity name, its authorisation status and the full list of what it is cleared to do. A minute, tops.
Ready to open an account?
DEGIRO - AFM regulated, min deposit None, 50,000+ instruments.
Ingredient costs: DEGIRO spreads
Here is what the raw ingredients cost on a standard DEGIRO account. Spreads breathe with the market and with your account tier; step up to an ECN or raw-spread table and the spread shrinks, but a per-trade commission joins the bill.
| EUR/USD | 2 pips pips |
| GBP/USD | 2.3 pips pips |
| USD/JPY | 2.1 pips pips |
| Gold (XAU/USD) | 35c/oz |
| S&P 500 | 0.6pt |
That EUR/USD figure of 2 pips pips carries a bit more markup than the ECN-first kitchens, though it is normal fare for a table with no per-trade commission.
The bill: DEGIRO withdrawal fee and timing
Cost to take money out: None. DEGIRO does not charge deposit or withdrawal fees. Your payment provider may apply their own transfer fees.
How long it takes: 1 to 3 business days. E-wallet and card withdrawals are typically faster than bank wire transfers.
No cash leaves the till until your identity checks out. If your proof of ID and address are not yet filed and cleared, the payout waits; once you are fully verified, cash-outs follow the timings shown above.
The cover charge by entity
The opening deposit at DEGIRO depends on which entity seats your country. Offshore branches tend to set a smaller cover charge, but you dine with a thinner layer of regulatory protection.
| Entity | Regulator | Min deposit | Max leverage (forex) |
|---|---|---|---|
| DEGIRO B.V. | AFM 12060 | None | 1:30 |
| DEGIRO GmbH | BaFin 151148 | None | 1:30 |
DEGIRO vs eToro
| DEGIRO | eToro | |
|---|---|---|
| Primary regulator | AFM 12060 | FCA 583263 |
| Min deposit | None | $50 |
| EUR/USD spread | 2 pips pips | 1.0 pips |
| MetaTrader | No | No |
| Instruments | 50,000+ | 3,000+ |
| Copy trading | No | Yes |
| Withdrawal fee | None | $5 per withdrawal |
Both kitchens hold real licences, so neither is a bad table. Pull up a chair at DEGIRO if you value its platform and the breadth of the menu. eToro plates up better for anyone who leans on leaner spreads.
The licences, line by line
| AFM | 12060, DEGIRO B.V. |
| BaFin | 151148, DEGIRO GmbH |
Under ESMA house rules, retail traders in the EU and UK are served leverage no higher than 1:30 on the major forex pairs.
What tastes good, what leaves a bad aftertaste
Cooked well
- AFM regulated, DEGIRO B.V.
- No minimum deposit
- Real stock ownership available
- No inactivity fee
- 50,000+ instruments
Sent back
- No MetaTrader, proprietary platform only
- No copy trading
Compare DEGIRO before you commit
4.0/5 rating - AFM regulated - min deposit None
The verdict
Nothing on the plate here is fake: DEGIRO is a genuine, regulated broker, and AFM licence 12060 checks out on the public register. The table is set best for traders after a broad 50,000-instrument menu on a regulated platform. We rate it 4.0 out of 5.
Other tables worth a look
If DEGIRO is not quite to your taste, these regulated kitchens are worth comparing:
Frequently asked questions
Is DEGIRO safe?
The Seychelles FSA is an offshore regulator. The kitchen holds AFM licence 12060, and you can confirm it for yourself on the official register.
What is the DEGIRO minimum deposit?
The cover charge is None at the main regulated entity. Offshore branches may plate it differently, so check the entity table above for the full spread.
What is the DEGIRO EUR/USD spread?
On a standard DEGIRO account the EUR/USD ingredient runs about 2 pips pips. It moves with the market; an ECN or raw table trims the spread in exchange for a per-trade commission.
How long does DEGIRO take to process withdrawals?
1 to 3 business days. E-wallet and card withdrawals are typically faster than bank wire transfers.
Does DEGIRO charge withdrawal fees?
None. DEGIRO does not charge deposit or withdrawal fees. Your payment provider may apply their own transfer fees.
Does DEGIRO have MetaTrader?
No. MetaTrader is not served here; the broker cooks only on its own platform. If MT4 or MT5 is a must for your automated recipes, look elsewhere.