DEGIRO vs Trading 212: Which Broker for Long-Term Investing?
DEGIRO vs Trading 212 compared: fees, choice of exchanges and ETFs, fractional shares, support and who each broker suits.
In short: Trading 212 wins on simplicity, zero commission on stocks and ETFs and fractional shares. DEGIRO offers a wider choice of exchanges and a reputation for low fees, but its interface is less friendly and it has no fractional shares or demo account. For simple regular ETF investing, either will do.
Comparison
| DEGIRO | Trading 212 | |
|---|---|---|
| Trading fees | Core ETF selection: €0 plus a €1 handling fee; US stocks €1 plus €1 handling | 0% commission on stocks and ETFs |
| Currency conversion | 0.25% | 0.15% (according to comparison sites) |
| Choice of exchanges | wide (dozens of exchanges) | narrower |
| Fractional shares | no | yes |
| Demo account | no | yes |
| CFDs | no | yes |
Based on our reviews of DEGIRO and Trading 212, last checked on 18 October 2026. Terms change, so verify them with the broker.
Fees: where the difference is
Trading 212 charges no commission on stocks and ETFs, while DEGIRO charges small fixed fees but offers a selection of ETFs with free commission. At both, watch the currency conversion, which is usually the main cost when you buy in euros or dollars from an account in another currency. DEGIRO also charges an exchange connection fee of up to 0.25% of account value a year (maximum €2.50 per exchange). With small regular purchases, a fixed fee per trade can take an unnecessarily large share of the amount.
Choice of markets
DEGIRO gives access to many exchanges around the world, which you will value if you want stocks from different countries. Trading 212 covers the main markets, which is enough for world ETFs and large companies. Before you pick, check that the specific ETF you want is available.
CFDs and safety
DEGIRO focuses on classic investing without CFDs. Trading 212 offers CFDs, but a long-term investor does not need them. Both firms are regulated, but check who your contract is with and how client assets are protected.
Who should choose which
- Trading 212: beginners, small regular amounts, fractional shares.
- DEGIRO: more experienced investors who want a wider choice of exchanges.
Also weigh Trading 212 vs XTB, or compare all the brokers in our neutral comparison.
Frequently asked questions
Is DEGIRO cheaper than Trading 212?
For stocks and ETFs Trading 212 is often cheaper thanks to zero commission. For some types of trades and funds DEGIRO can be worthwhile. Compare total costs including currency conversion.
Can I buy European ETFs at both?
Yes, both offer European ETFs, but check the specific fund in the broker's list.
Do I have to handle taxes myself?
In most countries, yes. Brokers rarely withhold your local tax, so keep your annual statements.
A neutral comparison for information only, not investment advice. Broker terms change, so verify them with the provider.
