flatexDEGIRO Bank

flatexDEGIRO Bank AG · Allemagne

Key points

MiCA-licensed · Allemagne

Source

Official registry listing →
verified on 03/07/2026

Licence / register

Registre ESMA · notification 04/04/2025

Authority · date

Federal Financial Supervisory Authority (BaFin)
04/04/2025

Services covered

1 / 10

€100 index

≈ 0,70 €

Summary

01At a glanceRegulatory status: MiCA-licensed or not, since when→02Services & featuresWhat the app actually offers, as badges→03Who it's forLong-term holding, scheduled savings, active trading→04How much it costsTransfer, card, spread and withdrawal, in euros→05Security & custodyWhere your funds are, what recourse you have→06What to know before you startSpecifics, anomalies and affiliation→

01At a glance

flatexDEGIRO Bank is MiCA-licensed by Federal Financial Supervisory Authority (BaFin) (Allemagne), notified on 04/04/2025, via flatexDEGIRO Bank AG. This licence is valid across the whole European Union, including France.

Source: official registry listing · verified on 03/07/2026

Néo-courtier allemand né de la fusion en 2021 entre flatex et DEGIRO, licence bancaire complète, plus de 3 millions de comptes clients. A lancé le trading crypto en décembre 2024 avec un modèle de spread fixe transparent.

02Services & features

Concrete product features, distinct from the legal scope of the licence (block 01): generated from structured data, never hand-written.

No withdrawal to personal walletSimple purchase (Simple-Buy)Integrated walletAutomatic DCAStakingCrypto cardP2P marketFuturesOptionsMargin tradingFrench-language supportInstant verification (KYC) : to be verified

Available cryptos: non communiqué

03Who it's for

As a bank or neobroker, flatexDEGIRO Bank suits some use cases more than others. What the collected data shows, never a recommendation:

Minimum deposit: not disclosedMobile appNo withdrawal to personal walletAutomatic DCADedicated pro interface: not disclosed

Mandatory custody: no withdrawal to a personal wallet.

04How much it costs

Published and explicit pricing: the cost is clear before you confirm.

Entrée	Virement : ● 0 %🔗 Carte : ● 0 %🔗
Trading	Achat : ● 0,7 %🔗
Tenue de compte	non chiffré
Sortie	non disponible

● published · ◐ estimated (spread not published, measured or estimated by Uncrypt) · ○ not available. 🔗 = link to the official pricing page and verification date for this cell.

Example: for €100 invested in BTC by bank transfer, you pay approximately €0,70 in fees, or 0,70% of the amount. Simulate your case →

Fee source: https://flatexdegiro.com/de/flatexdegiro-bank/login · verified on 02/08/2026

05Security & custody

Non communiqué à ce jour.

06What to know before you start

Groupe coté en bourse en forte croissance (3,58M comptes, +12 %/an). Frais crypto simples (0,7 %) sans aucun frais annexe. Achat direct de crypto intégré au compte-titres classique + crypto ETN disponibles — expérience proche d'un achat d'actions/ETF. Positionnement courtier multi-actifs, la crypto est une extension de gamme récente.

Compensation transparency: affiliate partnership with flatexDEGIRO Bank: À l'étude. A partnership has no influence on ranking or the default sort order (see Methodology).