DEGIRO

4.1(567)

BaFin/AFM

Flatex

4.2(1500)

BaFin

DEGIRO vs Flatex

Head-to-Head Comparison 2026

Our Verdict

Flatex has a higher rating of 4.2/5 compared to DEGIRO (4.1/5). Flatex offers 7 instrument types, while DEGIRO offers 5. Flatex has been in the market since 2006, making it the more experienced provider.

Comparison Table

Criteria	DEGIRO	Flatex
Rating	4.1/5 (567 reviews)	4.2/5 (1500 reviews)✓
Regulation	BaFin/AFM	BaFin
Fees	from €0.75 per contract	€5.90 flat fee per order plus exchange fees
Min. Deposit	0 €	0 €
Instruments	Stocks, ETFs, Options, Futures, Bonds	Stocks, ETFs, Options, Futures, Funds, Bonds, Derivatives
Platforms	DEGIRO App, DEGIRO Web	Flatex Web, Flatex App, Flatex Trader 2.0
Options Trading	Yes, medium	Yes, Eurex and US options via Flatex
Founded	2008	2006
Headquarters	Amsterdam, Niederlande	Frankfurt

Detailed Comparison

Fee Comparison

DEGIRO: from €0.75 per contract. Minimum deposit: 0 €.

Flatex: €5.90 flat fee per order plus exchange fees. Minimum deposit: 0 €.

Product Range

DEGIRO (5 categories)

StocksETFsOptionsFuturesBonds

Flatex (7 categories)

StocksETFsOptionsFuturesFundsBondsDerivatives

Trading Platforms

DEGIRO

DEGIRO App
DEGIRO Web

Flatex

Flatex Web
Flatex App
Flatex Trader 2.0

Regulation & Security

DEGIRO is regulated by BaFin/AFM (HQ: Amsterdam, Niederlande).

Flatex is regulated by BaFin (HQ: Frankfurt).

Who Is It For?

DEGIRO

Low-cost online broker with broad European offering

✓ Low fees

✓ User-friendly

✓ EU-regulated

✗ Limited options strategies

✗ No phone support

Flatex

Flat-fee broker with broad product range and options trading

✓ Simple flat-fee structure

✓ Eurex options trading available

✓ Wide range of savings plans

✗ Negative interest on cash balances

✗ Additional exchange fees

Frequently Asked Questions

Is DEGIRO or Flatex cheaper?

DEGIRO charges from €0.75 per contract. Flatex charges €5.90 flat fee per order plus exchange fees. The minimum deposit is 0 € at DEGIRO and 0 € at Flatex.

Which broker offers more products: DEGIRO or Flatex?

DEGIRO offers Stocks, ETFs, Options, Futures, Bonds. Flatex offers Stocks, ETFs, Options, Futures, Funds, Bonds, Derivatives.

Which broker is better regulated?

DEGIRO is regulated by BaFin/AFM. Flatex is regulated by BaFin. DEGIRO has BaFin regulation, which is particularly advantageous for German investors. Flatex has BaFin regulation, which is particularly advantageous for German investors.

Is DEGIRO or Flatex better for beginners?

DEGIRO has a minimum deposit of 0 € and offers DEGIRO App, DEGIRO Web as platforms. Flatex has a minimum deposit of 0 € and offers Flatex Web, Flatex App, Flatex Trader 2.0. DEGIRO has the lower entry barrier.

DEGIRO vs Flatex: Which broker is better overall?

The choice between DEGIRO (4.1/5, 567 reviews) and Flatex (4.2/5, 1500 reviews) depends on your needs. DEGIRO: Low-cost online broker with broad European offering. Flatex: Flat-fee broker with broad product range and options trading.

DEGIRO

Low-cost online broker with broad European offering

Open Account →

From 0 € min. deposit

Flatex

Flat-fee broker with broad product range and options trading

Open Account →

From 0 € min. deposit

DEGIRO read review →Flatex read review →