Safe & Reliable

We make sure that all of your investments are kept safe. In the event something would happen to DEGIRO, your investments will not be treated as recoverable assets to creditors. In addition, we are part of a bank (flatexDEGIRO Bank AG) and your non-invested money is protected up to €100,000 under the German Deposit Guarantee Scheme.

Asset segregation

At DEGIRO you can rest assured that your investments are held securely. We use a separate legal entity (SPV) to hold your assets. This means they are held separate from the assets of DEGIRO. The sole task of this entity is to administer and safeguard your investments. By law, it cannot perform any commercial activities. In the event that something would happen to DEGIRO, your investments will not be treated as recoverable assets to creditors and will remain in the safekeeping of the separate entity. This entity will hold your assets with third parties. Where possible or legally required, DEGIRO will require these third parties to provide for asset segregation to protect the investments of our clients against their bankruptcy. Rules concerning asset segregation are different in every country (both within the EU and outside the EU). If there is no asset segregation concerning a third party in the custody chain, then the financial instruments held with that third party might be lost in case of the bankruptcy of that party. For more information, please see ISI – Investment Services.

Cash Account

When you register with DEGIRO, you will also open a bank account (Cash Account) with flatexDEGIRO Bank. Your uninvested money will then be held in a segregated personal bank account with a personal IBAN. This means your money is then also guaranteed up to €100,000 as the relevant German Deposit Guarantee Scheme (Entschädigungseinrichtung deutscher Banken) applies. Your new Cash Account will be directly connected to your existing DEGIRO investment account. It is not possible to use this Cash Account for other banking matters. You can only use it to hold money so that it is readily available for investments on your DEGIRO account.

Who supervises DEGIRO?

The flatexDEGIRO Bank Dutch Branch, which operates under the name DEGIRO, is the Dutch branch of flatexDEGIRO Bank AG. flatexDEGIRO Bank AG is primarily supervised by the German Federal Financial Supervisory Authority (BaFin). In the Netherlands, flatexDEGIRO Bank Dutch Branch is subject to integrity supervision by DNB and the supervision of AFM.

Investor Compensation Scheme & Deposit Guarantee Scheme

As a client, your assets are segregated in separate entities and thus protected against the insolvency of DEGIRO. In the unlikely event that the segregated assets cannot be returned to clients, DEGIRO falls under the German Investor Compensation Scheme, which compensates any losses from non-returned assets up to 90% (with a maximum of EUR 20,000).

Furthermore, any money deposited on a DEGIRO Cash Account with flatexDEGIRO Bank AG will be guaranteed up to an amount of EUR 100,000 under the German Deposit Guarantee Scheme

Information about the German Investor Protection Scheme and the German Deposit Guarantee Scheme can be found in English on the BaFin website here.

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Note:
Investing involves risks. You can lose (a part of) your invested funds. We advise you to only invest in financial products which match your knowledge and experience. This is not investment advice.

Investing involves risks.

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We want to empower people to become the best investors they can be. By offering a universe of possibilities and choices on our user-friendly platform, we are removing barriers to make investing accessible to everyone: beginners or experts. You get access to a wide variety of products on more than 50 global exchanges to have the freedom to invest the way you like. In our world, you also get great value for money. So, without compromising an inch on the quality, security and range of our investment services, we offer incredibly low fees. Prioritising your needs has helped us become the leading European online broker. Our 2.5+ million clients and 90+ international awards are proof of our success.

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Terms and conditions for the €100 transaction fees offer

If you activate your DEGIRO investment account before the 1st of October 2023, DEGIRO will reimburse your transaction fees up to €100. The following conditions apply to this offer:

  • The offer is valid until the 30th of September 2023.
  • During the offer period, new clients who have activated an account will receive up to €100 in transaction fees reimbursed.
  • The first transaction costs and external handling fees up to €100 within the timeframe until the 31st of October 2023 will be reimbursed.
  • Currency handling fees (Auto FX trader and manual trade) are not eligible to be refunded with this promotion
  • We will reimburse the transaction costs and external handling fees you have spent (up to a maximum of €100) to your DEGIRO account in early November.
  • This offer is only valid for new clients with an Irish DEGIRO account.
  • To be eligible for this offer, the new client needs to make a first deposit to validate the account (minimum deposit is €0.01) and activate their DEGIRO account.
  • New clients who started their registration before the offer period, but activate their DEGIRO account during the offer period, are also eligible for this offer.
  • If an existing account is already linked to the address of the new client, participation is excluded.
  • Each new client can only claim the €100 transaction credit once.

Acceptance of offer conditions

By participating in the offer, the client automatically accepts the offer conditions and terms. DEGIRO may terminate the campaign prematurely or change the campaign conditions. DEGIRO will communicate any changes via the website.

Participation

Participation in the offer is open to all clients who have activated an account at DEGIRO on or before the 30th of September 2023.

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