DEGIRO Review 2026

Rembrandt Tower, 9th floor, 1096 HA, Amsterdam, The Netherlands

+31 20 261 3072

DEGIRO provides the web platform as well as it has got its DEGIRO App for mobile trading. The trading platform is user-friendly and is available in the local language.It provides both web and mobile platforms that you can use for trading from anywhere. The DEGIRO mobile app is user-friendly and easy to navigate.

DEGIRO provides its clients with two Money Market Fund providers, depending on the currency you hold funds. These providers are FundShare Fund Management and Morgan Stanley Investment Management.

• Morgan Stanley Investment Management. The Morgan Stanley Liquidity Funds are available in the currencies EUR, USD, and GBP. The Morgan Stanley Liquidity Funds are qualified Money Market Funds with an AAA rating and large in size, more than €20 billion. Morgan Stanley Investment Management is part of one of the largest business banks in the world.
• FundShare Fund Management. The FundShare Cash Funds are managed by FundShare Fund Management. FundShare Fund Management manages qualified Money Market Funds in EUR, USD, GBP, CHF, SEK, NOK, and DKK.

Management and investment policy

The fund managers of both FundShare Fund Management and Morgan Stanley ensure that the funds comply with strict requirements. The main objective of a Money Market Fund is to minimise risk. With the strict investment policy, this risk is very low. According to the Key Investor Information Document (KIID) of the funds, the risk level is a 1 on a scale from 1 to 7. For more information on the risks and the risk indicator as determined by the fund manager, we refer you to the prospectus, position reports and Key Investor Information Document (KIID) prepared by the fund manager on the website of FundShare Fund Management and Morgan Stanley Investment Management. The website of Morgan Stanley disclaims that their website is not for retail clients. Note that this is due to the fact that the Morgan Stanley Liquidity Funds are generally not targeted to retail clients. The Qualified Accumulation D and Qualified Distributing share classes have been made especially for offering to retail clients by investment firms such as DEGIRO. The KIIDs can also be found in our document centre.

Please note: losses caused by these risks will not be compensated by DEGIRO. If you invest, you run a financial risk. The value of your investments may fluctuate. Results achieved in the past do not guarantee future performance.

Money Market Funds

• A short duration. A Money Market Fund has a short average duration of 60 days. This means that the bonds in the portfolio are repaid on average within 60 days. This reduces the risk of no repayment.
• A liquid portfolio. A Money Market Fund invests in so-called liquid bonds, which means that they are easily tradable and can therefore be converted quickly into money.

Costs, return and compensation of the Money Market Funds

Investing in a Money Market Fund is low risk but has a downside, namely in the form of a low return. For a few currencies, this return is currently negative, due to the negative market interest rates for short-term EUR bonds. Among others, the EUR Money Market Fund currently has a negative return. While any positive return on your investment into a Money Market Funds is yours, a negative return as a result of the current interest rates and fund costs is partially compensated by DEGIRO on a non-committal basis. Money Market Funds have no entry and exit costs.

Compensation Policy Money Market Funds

As the GBP Money Markey Fund currently has a positive return, the compensation policy may not impact you at this time. Positive returns from the MMF are yours to keep. Nevertheless, we would like to inform you of these changes in the event that the GBP MMF’s return becomes negative or you hold a currency on your account, such as EUR, that currently has a negative return. In case the return becomes negative, DEGIRO compensates the negative return of the MMFs of your base currency (GBP), furthermore:

Compensation will only be given for the first £2,000 in MMF holdings and only for the Morgan Stanley EUR Liquidity Fund. If you have paid £300 or more in transaction fees during a 60-day period, a limit of £90,000 will apply to you. This will be reviewed on a monthly basis.

When you become a client you give the standing order to invest your cash balance into the Morgan Stanley GBP Liquidity Fund. We wish to stress that DEGIRO, as well as the holding company behind DEGIRO, in no way receives any (financial) benefits (inducement) from Morgan Stanley Investment Management for the selection of these Money Market Funds. This is done because DEGIRO deems it wise to offer Money Market Funds that are managed by an administrator outside of the holding of which DEGIRO is also a part.

Buying shares of companies in different industries and geographical areas is essential to reduce risk. For example, if one industry or country suffers an economic or political crisis, then losses may be offset by gains from the financial strength of another sector or country. DEGIRO's portfolio and fee reports are well organized. They are transparent, and you can easily see what products you own and the fees you paid for each transaction.

Invite a friend to join DEGIRO and receive a £20 reimbursement in transaction fees. This video will show you the requirements that need to be met in order to participate in the promotion.

DEGIRO Investor’s Academy; your hub for investment knowledge. Here you will learn what investing is, how it works and which products you can invest in. Whether you are a beginner or just want to update your knowledge, our lessons will help you get on your way in the world of investing.

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All fees that DEGIRO charges can be found on the Fee Schedule and Custody Fee Schedule. DEGIRO are fully transparent about our fees. There are no fees which do not appear on our fee schedule; there are no inactivity fees, nor is there a minimum trading amount imposed on account holders.

We want to make investing accessible to everyone. Check out our simple pricing schedule and a flat fee structure. Would you like to calculate exactly how much you will pay each year while investing with us, including currency and external charges?  Then use our cost calculator. For US stocks we don’t charge commission, but external handling costs of €0.50 per trade apply. External handling costs of €0.50 per trade apply for all products except for our ETF Core Selection, Tradegate transactions and Options & Futures (excl. OMX indices). Also, currency, connectivity or external product and spread costs may apply. 

DEGIRO stock and ETF commission of a $2,000 trade

Depositing with electronic wallet. DEGIRO has strict rules on bank transfer deposits. It only allows transfers from bank accounts that are in your name and only from the accepted countries.

clients@degiro.co.uk. The customer support team at Degiro can be reached in plenty of languages, which is amazing, and you are able to get relevant answers through the phone. However, even though email and phone support are available, there isn’t a live chat option.

If you’re an experienced investor and want to invest in futures, our comprehensive platform and low rates makes it easy to do so. See a complete overview of our unprecedented fees on our fee page.

DEGIRO pricing for stock index futures

In addition to investing with an index tracker, it is also possible to invest in an index using an option or future. A future is a forward contract to deliver an underlying product at an agreed price at an agreed time in the future. That underlying product can be an index. Index futures are always settled in cash. A contract size of 200 x the index applies.

Investing in bonds, accessible to everyone. With our low fees and wide trading possibilities, we make investing in bonds accessible to everyone. A bond is a fixed income financial product that allows an investor to lend money to an issuing entity, usually governments or corporations. In return, the buyer of a bond (the lender) typically receives regular payments, called coupons, until the issuer repays the principal, also known as the face value or par value, on the maturity date.

With DEGIRO, you can invest in preferred stocks. We are currently not opening US or Swedish preferred stocks due to tax implications, however, there are plenty of others to choose from. Register an account with us entirely online today and start investing in preferred stocks.

Are you interested in index trading through DEGIRO? To invest in financial products, such as ETFs, options and futures, you need a broker to place an order. DEGIRO is an online broker that considers it important that you can hold a diversified portfolio with low costs. EURO STOXX 50, S&P 500, NASDAQ Composite, Dow Jones Industrial Average, MSCI World.

Investment funds can make it easy to diversify your portfolio in a single product and, if you are a new investor, this type of financial product could be suitable for you. We offer many investment funds from well-known fund managers, including BNP Paribas, Blackrock, Fidelity, NN and more!

The fee for Euronext Fund services and Non-exchange Listed Investment Funds is €3.90. Apart from it, an annual service fee of 0.20% is charged monthly on the portfolio value of the last day of the month. Trading Morgan Stanley Liquidity Funds is free.

To help diversify your portfolio, it is also possible to get a selection of different financial products with a single purchase. Usually, buying many different stocks requires a large budget and takes a lot of time. However, ETFs make it possible to do this in a simple, cost-friendly way. Simply put, an ETF is a product that tracks an index, a commodity, a bond or a composition of financial products. You can think of an ETF as a basket of securities. For example, an ETF that tracks the FTSE 100 will be composed of fractions of shares of companies within that index. To make diversifying your portfolio as accessible and easy as possible, we offer to invest commission-free in a selection of ETFs, which cover a wide range of industries and geographical areas. It also includes plenty of ETFs with high ESG (Environmental, Social and Governance) ratings. You can find the list of commission-free ETFs and the conditions on our website.

At DEGIRO, you can choose from 9 base currencies. The available base currencies are CHF, DKK, GBP, NOK, SEK, EUR, CZK, PLN and HUF.

• Gold is one of the most popular precious metals and has been an important part of society for centuries, dating back to ancient times.
• Today, it is used for jewelry, dentistry, electronics, medicine, aerospace and, last but not least, investment.
• If you’re thinking about investing in gold, read on to learn about factors that impact gold prices, advantages and disadvantages, ways you can invest in it and how you can do so with DEGIRO.