Detailed comparison of all fees, features, and suitability — updated for 2026.
Binance is the better choice for Krypto-Anleger, while DEGIRO wins for International Stocks. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Binance | DEGIRO | Difference |
|---|---|---|---|
| Order fee per trade | 0.10 € | 2.00 € | 1.90 € cheaper at Binance |
| 10y savings plan cost @ €100/month | 12 € | 240 € | 228 € cheaper at Binance |
| Available exchanges | 2 | 8 | +6 more at DEGIRO |
| BMInsider rating | 4.0/5 | 4.0/5 | identical |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Binance | DEGIRO | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 0.1 % (BNB: 0.075 %) | 2€ + 0.03% (Europa) / 2€ + 0.05% (USA) | Binance |
| ETF Savings Plan Fee | - | - | Tie |
| Account Fee | 0€/Year | 0€/Year + 2.50€ Connectivity fee/Exchange/Year | Binance |
| Minimum Deposit | $10 | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | DEGIRO | ||
| ETFs | DEGIRO | ||
| Crypto | Binance | ||
| Options | DEGIRO | ||
| CFDs | Tie | ||
| Fractional Shares | Binance | ||
| Number of Exchanges | Krypto-Spot, Krypto-Futures | Xetra, Euronext, NYSE | DEGIRO |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Binance | ||
| Security & Regulation | |||
| Regulated by | MiCA EU · multiple licenses | AFM / BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2017 | 2013 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Tie |
Depending on your strategy and experience, one broker fits better. Here's how to decide:
Low barriers, simple app, demo account and no hidden costs — perfect to get started.
More about Binance →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about DEGIRO →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Binance →Binance is the world's largest crypto exchange by daily volume. With 0.1% spot fee (0.075% with BNB discount), 350+ coins and futures markets, the platform offers more features at lower cost than any alternative.
Particularly suitable for: Krypto-Anleger, Bitcoin-Käufer, Aktive Krypto-Trader.
DEGIRO offers access to 50+ exchanges worldwide at low fees. Ideal for internationally diversified portfolios.
Particularly suitable for: International Stocks, Active Traders, Advanced Investors.
Binance (Cayman Islands, no MiCA, no BaFin as of 2026) and DEGIRO (flatexDEGIRO Bank Amsterdam, BaFin/AFM, steuereinfach in Germany since 2021) are complementary but regulatorily opposite. Binance offers 700+ coins at 0.10% spot, Binance Earn for high crypto yields, no German withholding. DEGIRO offers €1 ETF Core Selection, cheap Pan-EU stocks, 50+ exchange connectivity, German tax certificate.
Honest take: DEGIRO is the regulatorily safe pick for classic wealth. Binance is the pick for active crypto traders aware of MiCA risk (transition ends 1 July 2026).
You want lowest crypto fees. Binance 0.10% spot, BNB discount 0.075%. DEGIRO no crypto.
You want broadest coin range. Binance 700+ coins. DEGIRO zero.
You want Binance Earn / staking. Locked staking, Launchpool. DEGIRO no staking.
You want self-custody withdrawal. Binance wallet withdrawal. DEGIRO no crypto component.
You want crypto API. Binance REST + WebSocket. DEGIRO no crypto API.
You want regulatory clarity. DEGIRO BaFin. Binance MiCA risk — EU transition ends 1 July 2026.
You want the German tax certificate. DEGIRO steuereinfach. Binance self-declaration.
You want stocks, ETFs, bonds. DEGIRO broad classic range. Binance crypto-only.
You want €1 ETF Core Selection. DEGIRO 200+ ETFs. Binance no ETFs.
You want Pan-EU stock access. DEGIRO Milan, Madrid, Amsterdam from €3.90. Binance crypto-only.
DEGIRO steuereinfach, Binance not. DEGIRO KESt automatic. Binance gross.
§23 EStG: Binance spot 1 year tax-free.
Earn tax: Binance Earn rewards: 10-year speculation period.
MiCA risk: Withdrawal restrictions possible without EU licence.
Vorabpauschale: DEGIRO books ETFs automatically.
Profile: 12 ETF buys at €500, 6 Pan-EU stocks at €2 000, 50 crypto trades at €1 000.
| Item | DEGIRO | Binance |
|---|---|---|
| 12× ETF Core Selection | €34 | not offered |
| 6× €2 000 Pan-EU | 6× €5.10 = €30.60 | not offered |
| 50× €1 000 crypto | not offered | 50× €1 (0.10%) = €50 |
| Yearly cost | ≈€65 (stocks/ETFs) | ≈€50 (crypto only) |
Complementary: DEGIRO classic + Binance crypto. Both free to open.
Pick: DEGIRO. Binance MiCA status open.
Pick: Binance. 0.10% fee. MiCA risk.
Pick: DEGIRO.
Both in parallel.
Pick: DEGIRO. Steuereinfach.
Answers to the most common questions about Binance vs DEGIRO.
For order fees, Binance leads at 0.1 % (BNB: 0.075 %), while DEGIRO charges 2€ + 0.03% (Europa) / 2€ + 0.05% (USA). Note: with CFD brokers, spreads add hidden cost — the lower nominal price isn't always cheaper overall.
Binance is regulated by MiCA EU · multiple licenses, DEGIRO by AFM / BaFin. Both fall under EU oversight. Deposit protection: Binance -, DEGIRO 100.000€.
For German/Austrian customers, language, BaFin regulation and tax-simple status often matter most. Check the 'Regulated by' and 'Languages' rows — DACH-focused brokers usually have the edge.
Neither Binance nor DEGIRO offers free ETF savings plans. If recurring investing matters, check a savings-plan-focused broker.
Both are covered under their home regulator's deposit protection. Binance: -, DEGIRO: 100.000€. Securities are held in segregated accounts and protected in case of broker insolvency.
Neither broker pays meaningful interest on uninvested cash. Look elsewhere if cash yield matters.
Both offer native mobile apps with good app-store ratings. Which is better depends on your needs — try both with a demo account if available.
A second broker makes sense when one offers features the other lacks (e.g. options, crypto, more exchanges). A full switch is only worth it if the cost difference or missing features are significant.
Sign up with the broker that fits your strategy. Both are regulated and offer a demo account to test risk-free.
