Safe & Reliable

DEGIRO makes 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 DEGIRO’s creditors.

Asset segregation

At DEGIRO you can rest assured that your investments are held securely. DEGIRO uses 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 DEGIRO's 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 the clients of DEGIRO 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

Clients of DEGIRO can hold uninvested money on a personal Cash Account with an IBAN, which is directly connected to your DEGIRO investment account. This Cash Account is offered to you directly by flatexDEGIRO Bank AG. Read more about cash accounts here.

Money Market Funds

With the introduction of the Cash Accounts, we will gradually end the Money Market Fund (MMF) solution for holding uninvested money. This means that in the future, you will no longer be able to automatically hold your money in MMF's via the standing order.

At the moment it is also still possible to hold money in an MMF in specific situations. For more information about MMF's please click here.

Securities lending

When you become a client, you give DEGIRO the right to lend out your securities. This is done to be able to facilitate going short; ‘Debit Securities’. The risks of Securities Lending are managed as follows:

- Firstly, DEGIRO (and not the borrowing party) is the ‘counterparty’ and therefore guarantees the timely return of the lent assets with its equity.

- Furthermore, DEGIRO requires security from the borrowing party. This is provided by the right of pledge that DEGIRO has on the balance of that client and the borrowed assets are included in the continual risk monitoring of DEGIRO.

- Damage for a client whose assets are lent therefore arises only at the moment when both the borrowing party and DEGIRO are no longer able to meet their obligations (i.e. are bankrupt) and the value of the asset has fallen or the value of the Lent Securities has risen. The amount of the damage is limited to the difference in value between the Lent Securities and the security provided by the borrower.

Investor Compensation Scheme & Deposit Guarantee Scheme

DEGIRO clients' 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.

Who supervises DEGIRO?

flatex DEGIRO Bank Dutch Branch, trading under the name DEGIRO, is the Dutch branch of flatexDEGIRO Bank AG. As a German regulated bank, flatexDEGIRO Bank AG is primarily supervised by the German financial regulator, the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). The Bafin is the German equivalent of the Dutch Authority for the Financial Markets (AFM). In addition, flatexDEGIRO Bank AG falls under the indirect supervision of the European Central Bank (ECB). In the Netherlands, the Dutch Central Bank (DNB) is tasked with integrity supervision of DEGIRO and we are subject to conduct supervision by the AFM. Our registration in DNB’s public register can be viewed here.

Note: Investing involves risks. You can lose (a part of) your deposit. We advise you to only invest in financial products which match your knowledge and experience.

Investing involves risks. You can lose (a part of) your deposit. We advise you to only invest in financial products which match your knowledge and experience.


Terms and conditions for the €50 transaction fees offer

If you activate your DEGIRO investment account between the 20th of July and the 1st of October 2021, DEGIRO will reimburse your transaction fees up to €50. The following conditions apply to this offer:

  • The offer is valid until the 1st of October 2021.
  • During the offer period, new clients who have activated an account will receive up to €50 in transaction fees reimbursed.
  • The first transaction fees up to €50 within the timeframe until the 1st of November will be reimbursed.
  • We will reimburse the transaction fees you have spent (up to a maximum of € 50) 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 €50 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 in the offer is open to all clients who have activated an account at DEGIRO before the 1st of October 2021.