✍️ Author: Karel Havlíček – Bitcoin Analyst & Editor · 📅 Updated:
What DEGIRO is and who it suits
DEGIRO is a Dutch broker within the flatexDEGIRO group holding a German banking licence (BaFin/AFM oversight). It offers stocks and ETFs at very low fees, including a core ETF selection with minimal commission – a favourite of long-term European investors for years.
Crypto? DEGIRO offers no real crypto. Bitcoin exposure is only available via exchange-traded notes (ETNs, e.g. on Xetra) where permitted for your country. Practical inside a portfolio, but these are not real bitcoins – no withdrawal possible. Real BTC: Anycoin, Kraken.
- Long-term ETF investors wanting BTC exposure in the account
- Anyone wanting a broker backed by a regulated bank
- Investors focused on European exchanges (Xetra, Euronext)
- NOT for real bitcoin in your own wallet
Fees
Stocks on European exchanges for small per-trade amounts, a core ETF selection at minimal commission, exchange-connection fees (~€2.50/year per exchange). No account maintenance fees. With Bitcoin ETNs add the product’s annual TER and the exchange spread.
How to start step by step
- Register via the link below and complete verification.
- Deposit by bank transfer from your own account.
- Find a Bitcoin ETN available for your country (ticker on Xetra etc.).
- Buy it like any security – a limit order is recommended.
- Handle real BTC in parallel via an exchange plus a hardware wallet.
🎬 Video tutorials for DEGIRO (YouTube)
ETN vs. real Bitcoin
An ETN is a debt security tracking the BTC price – simple under securities taxation, but with no self-custody and ongoing costs. We recommend the core of a long-term position in real BTC; an ETN makes sense as a complement inside a brokerage account.
✅ Pros
- Very low fees, core ETF selection
- Backed by the flatexDEGIRO bank (BaFin/AFM)
- European exchanges and currencies
- Simple securities tax regime
- Long history, millions of EU clients
⚠️ Cons
- No real crypto – ETNs only
- Exchange-connection fees (~€2.50/year)
- Platform feels conservative next to new apps
❓ Frequently asked questions
Can I buy real Bitcoin on DEGIRO?
No. Only exposure via ETNs on securities exchanges where available for your country. Real BTC is bought on a crypto exchange (Anycoin, Kraken).
Is DEGIRO safe?
The broker belongs to flatexDEGIRO with a German banking licence under BaFin oversight; securities are segregated from broker assets and protected under EU rules.
How is a Bitcoin ETN taxed?
As a security under your national regime – confirm the details with a tax advisor.
What are DEGIRO’s fees?
Small per-trade amounts, core ETFs at minimal commission, ~€2.50/year per exchange connection. ETNs add the product’s TER.
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