DEGIRO
★★★★★4.0/5
Strengths
- 50+ Global Exchanges
- Low Fees
- Options & Futures
- Access to Asian Markets
Weaknesses
- No Savings Plan
- No Crypto
Best for
International Stocks
Go to DEGIRO →* Affiliate link · no extra cost for you
Broker Comparison 2026
DEGIRO vs. eToro
Detailed comparison of all fees, features, and suitability — updated for 2026.
DEGIRO
vs
eToro
Our Recommendation
DEGIRO is the better choice for International Stocks, while eToro wins for Social Trading. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
Numeric Comparison
| Metric | DEGIRO | eToro | Difference |
|---|---|---|---|
| Order fee per trade | 2.00 € | 0.00 € | 2.00 € cheaper at eToro |
| 10y savings plan cost @ €100/month | 240 € | 0 € | 240 € cheaper at eToro |
| Interest on €10,000 cash (1 year) | — | 4.55 % = 455 € | +455 € more at eToro / year |
| Available exchanges | 8 | 1 | +7 more at DEGIRO |
| BMInsider rating | 4.0/5 | 3.9/5 | +0.1 at DEGIRO |
Bottom line: on €10,000 cash eToro earns about 4.550 € more interest over 10 years.
eToro
★★★★★3.9/5
Strengths
- 0€ Stock Trading
- Copy Trading
- Social Features
- Many Deposit Methods
- Demo Account
Weaknesses
- Spreads on CFDs
- $5 Withdrawal Fee
Best for
Social Trading
Go to eToro →* Affiliate link · no extra cost for you
Detailed Comparison
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | DEGIRO | eToro | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 2€ + 0.03% (Europa) / 2€ + 0.05% (USA) | 0€ (Aktien) / Spread (CFDs & Krypto) | eToro |
| ETF Savings Plan Fee | - | - | Tie |
| Account Fee | 0€/Year + 2.50€ Connectivity fee/Exchange/Year | 0€ + $5 Auszahlungsgebühr | eToro |
| Minimum Deposit | 0€ | $50 | Tie |
| Interest on Cash | 0% | bis 4.55% (eToro Money) | eToro |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | eToro | ||
| Options | DEGIRO | ||
| CFDs | Tie | ||
| Fractional Shares | eToro | ||
| Number of Exchanges | Xetra, Euronext, NYSE | eToro-intern | DEGIRO |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | eToro | ||
| Security & Regulation | |||
| Regulated by | AFM / BaFin | CySEC / FCA | Tie |
| Deposit Protection | 100.000€ | €20.000 (ICF) | Tie |
| Founded | 2013 | 2007 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | DEGIRO |
Which Broker for Whom?
Depending on your strategy and experience, one broker fits better. Here's how to decide:
For Beginners
eToro
Low barriers, simple app, demo account and no hidden costs — perfect to get started.
More about eToro →For Active Traders
DEGIRO
Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about DEGIRO →For Long-Term Investors
eToro
Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about eToro →Detailed Assessment
Who is DEGIRO?
DEGIRO offers access to 50+ exchanges worldwide at low fees. Ideal for internationally diversified portfolios.
Strengths in Detail
- 50+ Global Exchanges
- Low Fees
- Options & Futures
- Access to Asian Markets
Weaknesses
- No Savings Plan
- No Crypto
- No Interest on Cash
- Not Tax-Simple for Austria
Who is DEGIRO worth it for?
Particularly suitable for: International Stocks, Active Traders, Advanced Investors.
Who is eToro?
eToro combines social trading with commission-free stock trading. Ideal for beginners who want to learn from experienced traders.
Strengths in Detail
- 0€ Stock Trading
- Copy Trading
- Social Features
- Many Deposit Methods
- Demo Account
Weaknesses
- Spreads on CFDs
- $5 Withdrawal Fee
- Only Traded on eToro Platform
- USD Conversion Fee
Who is eToro worth it for?
Particularly suitable for: Social Trading, Beginners, Copy Trading, Crypto.
DEGIRO vs eToro — Pan-EU discount broker vs social-trading platform
DEGIRO (flatexDEGIRO Bank Amsterdam, BaFin/AFM, ~3m customers) and eToro (eToro Europe Ltd., CySEC Cyprus, USD base) are multi-asset brokers with different philosophies. DEGIRO is discount-focused: €1 handling fee on Core Selection ETFs (~200), €2 + 0.03% on other ETFs, €3.90 + 0.06% on Pan-EU stocks, steuereinfach in Germany since 2021. eToro focuses on social trading with CopyTrader, real US stocks at 0.09–0.15% spread, spot crypto at 1%.
Honest take: DEGIRO is the pick for cheap Pan-EU stock buys with German withholding. eToro is the pick for US stock buys, social trading and spot crypto in one app.
When DEGIRO is the better pick
You want the German tax certificate. DEGIRO Frankfurt withholds 25% KESt automatically. eToro pays gross.
You want cheap Pan-EU stock buys. DEGIRO offers Amsterdam, Milan, Madrid from €3.90. eToro has a weaker Pan-EU range, focused on US and global mainstream stocks.
You want an EUR-base account. DEGIRO allows EUR account. eToro USD only — every EUR movement carries an FX markup.
You use cheap ETF Core Selection. DEGIRO €1 Core Selection ETFs (~200) including iShares Core MSCI World. eToro has real ETFs without commission, but a 0.15–0.25% spread on a €1 000 buy equals €1.50–€2.50.
You want no $5 withdrawal fee. DEGIRO withdrawal free. eToro $5 plus FX spread on every withdrawal.
When eToro is the better pick
You want social trading / CopyTrader. eToro from $200 investment to follow a top trader. DEGIRO has nothing like it.
You want real crypto coins. eToro 100+ coins, spot buys, optional wallet withdrawal. DEGIRO has no crypto.
You want US stocks without connectivity fee. DEGIRO US stocks: €1/trade + €2.50/year connectivity. eToro US stocks: only 0.09–0.15% spread, no annual fee.
You want smart portfolios. eToro thematic bundles ("BigTech", "Renewables"). DEGIRO offers only single ETFs.
You want optional CFD leverage. eToro CFDs in the same app. DEGIRO offers no CFDs for DACH customers.
Taxes — DACH specifics
Germany — DEGIRO steuereinfach, eToro not. DEGIRO withholds KESt automatically. eToro pays gross.
Crypto: eToro spot crypto under §23 EStG — 1-year tax-free. DEGIRO has no crypto.
Austria — DEGIRO not AT-steuereinfach. Both via FinanzOnline E1kv.
Vorabpauschale 2026: DEGIRO books automatically. eToro: self-calculate.
US withholding tax: DEGIRO W-8BEN, 15% credited. eToro 15% deducted, self-credit via Anlage AUS.
Cost example — Multi-asset investor over 1 year
Profile: 12 buys at €500 iShares Core MSCI World, 12 US stock buys at $1 000, 1 crypto spot €1 000, 1 EUR withdrawal €5 000.
| Item | DEGIRO | eToro |
|---|---|---|
| 12× €500 MSCI World | 12× €1 + 11× €2 fair-use = €34 | ≈€9 (0.15% spread) |
| 12× $1 000 US stock | 12× (€1 + €2.50/12 + FX 0.25%) = ≈€45 | ≈€14 (0.15% spread) |
| 1× crypto €1 000 | not offered | €10 (1%) |
| EUR withdrawal €5 000 | €0 | ~€55 ($5 + FX) |
| Yearly cost | ≈€79 | ≈€88 |
DEGIRO marginally cheaper via no crypto and no FX withdrawal. Strip out crypto and FX withdrawal — eToro becomes ~€33 cheaper through cheaper US stocks. Break point: need crypto and social? eToro. Pure stock/ETF discount trading? DEGIRO.
Verdict by investor profile
EUR-focused ETF saver
Pick: DEGIRO. €1 Core Selection + EUR account. eToro USD base wastes FX spread.
US stock main investor
Pick: eToro. 0.15% spread beats DEGIRO €1/trade + €2.50/year.
Spot crypto investor
Pick: eToro. DEGIRO has no crypto.
Pan-EU stocks (Milan, Madrid)
Pick: DEGIRO. eToro Pan-EU range weaker.
Social trader
Pick: eToro. CopyTrader unique.
Frequently Asked Questions
Answers to the most common questions about DEGIRO vs eToro.
For order fees, eToro leads at 0€ (Aktien) / Spread (CFDs & Krypto), 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.
DEGIRO is regulated by AFM / BaFin, eToro by CySEC / FCA. Both fall under EU oversight. Deposit protection: DEGIRO 100.000€, eToro €20.000 (ICF).
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 DEGIRO nor eToro 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. DEGIRO: 100.000€, eToro: €20.000 (ICF). Securities are held in segregated accounts and protected in case of broker insolvency.
eToro leads on cash interest at 4.55%. Watch the conditions — some brokers require a paid plan or cap the amount.
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.
Ready to Get Started?
Sign up with the broker that fits your strategy. Both are regulated and offer a demo account to test risk-free.