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flatexDEGIRO Bank

flatexDEGIRO Bank AG · Germany
Key points
Official sourceUnclaimedMiCA-licensed · Germany
🌐 Website
Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇩🇪 Germany
Founding date
2006
Team size
250-4999
Number of customers
≈ 3 600 000
Trustpilot
3,7/5 →

Regulation

Regulatory licences
MiCA licence, notified on 04/04/2025
Licensing authority
Federal Financial Supervisory Authority (BaFin)
Registered services
  • Order execution
Register consulted
Consult the register → · verified on 03/07/2026

flatexDEGIRO is a European multi-asset brokerage group combining shares, ETFs, bonds, derivatives and now crypto-assets. Its offer lets users buy and sell spot cryptos from the same investment account as traditional securities, notably in France via DEGIRO. The service is mainly aimed at investors wishing to centralise their investments within a banking brokerage infrastructure rather than using a dedicated crypto exchange.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingFrench-language supportInstant verification (KYC) : to be verified

Available cryptos: 25

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, flatexDEGIRO Bank suits some use cases more than others.

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

Mandatory custody: no withdrawal to a personal wallet.

Available in Germany, Austria, France, Netherlands, Spain.

03How much it costs

Deposit
SEPA transfer0 %

+ 0,25 % currency conversion

Trading
0,5 %
published spread
Holding

No known holding fees

Exit
EUR withdrawal0 €

Blockchain network fees always excluded (identical for everyone, not set by the platform).

DEGIRO/flatex spot crypto: commission of 0,50 % per purchase or sale, plus an indicative spread of around 0,10 % on the most liquid assets and 0,20 % on the less liquid ones. The stated typical total cost is therefore around 0,60–0,70 % for standard sizes. The 0,50 % is a trading commission, not a bank transfer fee: fund deposits and withdrawals are 0 € on DEGIRO's side. Custody of the crypto product: no separate custody fee announced. The spread depends on liquidity and is not a single rate.

Fee source: https://www.degiro.fr/tarifs · verified on 26/08/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

For the DEGIRO spot crypto offer, orders are executed directly by the market maker Tradias and the crypto-assets are held by Tangany, a German crypto custodian. The bank/broker remains the client interface; flatexDEGIRO is therefore not the custodian of the crypto for this product.

05What to know before you start

Multi-asset broker/bank of the flatexDEGIRO group: shares, ETFs, bonds, derivatives, crypto ETPs and now retail spot crypto. In France, the DEGIRO brand directly offers 24/7 crypto buying/selling in the same investment account, with fees of 0,5 % + an indicative spread of 0,1–0,2 %. The crypto offer does not replace the core multi-asset brokerage business; it is added to it.

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

06Frequently asked questions

Is flatexDEGIRO Bank licensed under MiCA?

Yes. flatexDEGIRO Bank AG is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: Federal Financial Supervisory Authority (BaFin), Germany. Notification to the ESMA register: 04/04/2025. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How much does it cost to buy bitcoin on flatexDEGIRO Bank?

For €100 of bitcoin bought by SEPA transfer, the total cost is 0,5 €, spread included and network fees excluded (Uncrypt €100 index). Fees checked on 26/08/2026 against the official fee schedule.

How many cryptos can you buy on flatexDEGIRO Bank?

25 crypto-assets are available on flatexDEGIRO Bank.

Can you withdraw your crypto from flatexDEGIRO Bank to your own wallet?

No, flatexDEGIRO Bank does not let you withdraw your crypto-assets to a personal wallet: they remain held by the platform.

Can you stake crypto on flatexDEGIRO Bank?

No, flatexDEGIRO Bank does not offer staking.

Can you schedule recurring purchases (DCA) on flatexDEGIRO Bank?

No, flatexDEGIRO Bank does not offer scheduled recurring purchases (DCA).