Detailed comparison of all fees, features, and suitability — updated for 2026.
Coinbase 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 | Coinbase | DEGIRO | Difference |
|---|---|---|---|
| Order fee per trade | 0.40 € | 2.00 € | 1.60 € cheaper at Coinbase |
| 10y savings plan cost @ €100/month | 48 € | 240 € | 192 € cheaper at Coinbase |
| Available exchanges | 2 | 8 | +6 more at DEGIRO |
| BMInsider rating | 4.2/5 | 4.0/5 | +0.2 at Coinbase |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Coinbase | DEGIRO | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 1.49 % – 3.99 % / 0.4 %–0.6 % Advanced | 2€ + 0.03% (Europa) / 2€ + 0.05% (USA) | Coinbase |
| ETF Savings Plan Fee | - | - | Tie |
| Account Fee | 0€/Year | 0€/Year + 2.50€ Connectivity fee/Exchange/Year | Coinbase |
| Minimum Deposit | $1 | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | DEGIRO | ||
| ETFs | DEGIRO | ||
| Crypto | Coinbase | ||
| Options | DEGIRO | ||
| CFDs | Tie | ||
| Fractional Shares | Coinbase | ||
| Number of Exchanges | Krypto-Spot, Krypto-Futures | Xetra, Euronext, NYSE | DEGIRO |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | NYDFS · BaFin · FCA | AFM / BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2012 | 2013 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Coinbase |
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 Coinbase →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 Coinbase →Coinbase is the only crypto exchange listed on a major stock exchange (NASDAQ: COIN). SOC2-certified, NYDFS-regulated, with the highest institutional acceptance in the US — but at higher fees than pure crypto exchanges in its standard tier.
Particularly suitable for: Krypto-Anleger, Bitcoin-Käufer, HODL-Investoren.
DEGIRO offers access to 50+ exchanges worldwide at low fees. Ideal for internationally diversified portfolios.
Particularly suitable for: International Stocks, Active Traders, Advanced Investors.
Coinbase (Coinbase Germany GmbH with BaFin licence, MiCA via Luxembourg) and DEGIRO (flatexDEGIRO Bank Amsterdam, BaFin/AFM, steuereinfach in Germany) are both regulated EU platforms. Coinbase focuses on crypto spot with 200+ coins (Standard 1.49% + spread, Advanced 0.40% maker). DEGIRO offers €1 ETF Core Selection, cheap Pan-EU stocks, 50+ foreign exchanges — no crypto.
Honest take: DEGIRO and Coinbase are complementary. DEGIRO for classic wealth + Coinbase for crypto self-custody and USDC rewards.
You want real crypto coins. Coinbase 200+ coins with wallet withdrawal. DEGIRO no crypto.
You want USDC rewards ~4% p.a. Coinbase. DEGIRO has no USDC.
You want crypto staking. Coinbase 9 coins (ETH, SOL, ADA, DOT etc.) 25% commission. DEGIRO no staking.
You use Coinbase Advanced Trade. 0.40% maker for low fees.
You want §23 crypto tax-free after 1 year. Coinbase spot.
You want stocks, ETFs, bonds. DEGIRO broad classic range. Coinbase crypto-only.
You want cheap Pan-EU stocks (Milan, Madrid). DEGIRO €3.90+. Coinbase no stocks.
You want €1 ETF Core Selection. DEGIRO 200+ ETFs. Coinbase no ETFs.
You want the German tax certificate. DEGIRO steuereinfach for all assets. Coinbase crypto in Anlage SO.
You want no mode-switching trap. Coinbase Standard mode (default) charges 2% vs Advanced 0.4% — beginners get billed.
DEGIRO steuereinfach, Coinbase crypto gross. DEGIRO KESt automatic. Coinbase crypto gains in Anlage SO.
§23 EStG: Coinbase spot 1 year tax-free.
USDC rewards tax: §20 EStG, self-declared.
Vorabpauschale: DEGIRO books ETFs automatically.
Austria: Neither AT-steuereinfach.
Profile: 12 ETF buys at €500 MSCI World, 4 Pan-EU stocks at €2 000, 6 crypto at €500.
| Item | DEGIRO | Coinbase Advanced |
|---|---|---|
| 12× ETF Core Selection | 12× €1 + 11× €2 = €34 | not offered |
| 4× €2 000 Pan-EU | 4× €5.10 = €20.40 | not offered |
| 6× €500 crypto | not offered | 6× €2 (0.4% maker) = €12 |
| Yearly cost | ≈€54 (no crypto) | ≈€12 (crypto only) |
Complementary: both in parallel ~€66, optimal for multi-asset DACH investors.
Pick: DEGIRO. Coinbase no stocks.
Pick: Coinbase. DEGIRO no crypto.
Both in parallel.
Pick: Coinbase.
Pick: DEGIRO. Coinbase Standard mode pricey.
Answers to the most common questions about Coinbase vs DEGIRO.
For order fees, Coinbase leads at 1.49 % – 3.99 % / 0.4 %–0.6 % Advanced, 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.
Coinbase is regulated by NYDFS · BaFin · FCA, DEGIRO by AFM / BaFin. Both fall under EU oversight. Deposit protection: Coinbase -, 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 Coinbase 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. Coinbase: -, 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.
