DEGIRO vs Trading 212: fees, FX, products, who should pick which
Two popular European brokers with different strengths. This page compares them first — then how to see combined TWR if you hold both.
DEGIRO vs Trading 212 at a Glance
A quick comparison of two popular brokers among European investors.
| Feature | DEGIRO | Trading 212 |
|---|---|---|
| Best for | Low-cost ETF investing, broad market access | Commission-free stocks/ETFs, fractional shares |
| Trading fees | Low variable fees — check DEGIRO’s live price list | Commission-free stocks & ETFs; other revenue (spreads / FX) — check the app |
| FX | AutoFX / conversion on non-EUR trades — verify current rate on DEGIRO | FX conversion on non-account-currency trades — verify in-app |
| Product range | Stocks, ETFs, bonds, options, futures | Stocks, ETFs, CFDs |
| Platform | Web + mobile | Web + mobile |
| Regulation | AFM (Netherlands) / BaFin | FCA (UK) / CySEC |
| Fractional shares | ||
| Interest on cash | ||
| Savings plans | Limited | ✓ (Pies / AutoInvest) |
Fee numbers go stale fast. We do not quote euro-per-trade figures here — verify current terms on each broker’s website before you choose.
Who should pick DEGIRO
You want broad exchanges, bonds/options/futures, or a core ETF list with explicit (usually low) ticket fees. You are fine buying whole shares only.
Who should pick Trading 212
You want commission-free stocks/ETFs, fractional amounts, Pies/AutoInvest, or interest on uninvested cash. Check FX conversion and any spread — TrackinV cannot switch your brokerage for you.
Key Differences Explained
Fee structures: DEGIRO charges low variable fees per trade, with a core selection of ETFs at reduced costs. Trading 212 is commission-free for stocks and ETFs, but earns revenue through spreads, CFD trading, and interest on securities lending. For frequent small trades, Trading 212's zero-commission model can be cheaper. For larger, less frequent trades, DEGIRO's explicit low fees are competitive.
Fractional shares: Trading 212 supports fractional shares, letting you invest exact euro amounts regardless of share price. Want to put exactly €50 into a €500 stock? Trading 212 makes that possible. DEGIRO doesn't offer fractional shares — you buy whole shares only.
Product range: DEGIRO offers broader market access including bonds, options, and futures across many international exchanges. Trading 212 focuses on stocks, ETFs, and CFDs with a simpler but more streamlined selection.
Pies and AutoInvest: Trading 212's unique "Pies" feature lets you create custom portfolio allocations and automatically invest according to your target weights. This is ideal for hands-off, automated portfolio building — something DEGIRO doesn't offer natively.
Interest on cash: Trading 212 pays interest on uninvested cash in your account. DEGIRO does not. For investors who keep a cash buffer, this can be a meaningful difference.
Using Both Brokers? Track Everything in One Place
Many European investors use both: DEGIRO for low-cost ETF access and broader market reach, Trading 212 for commission-free stock picking and fractional shares. The problem? You can't see your total portfolio performance, allocation, or dividend income across both.
Each app shows only its own slice. Your real questions — "How is my overall portfolio performing?", "Am I too concentrated in tech?", "What's my total dividend income?" — remain unanswered when your holdings are split across two platforms.
TrackinV solves the split-view problem, not a broker switch. Import DEGIRO Account.csv with the dedicated importer. For Trading 212, export history and map it to TrackinV’s CSV template. Then you get combined TWR and allocation — typically a couple of minutes per broker.
What You Get with Multi-Broker Tracking
Once you import from both brokers, TrackinV unlocks analytics neither app provides alone.
Combined TWR Across Both Accounts
See your true time-weighted return across DEGIRO and Trading 212 combined. No more guessing how your total portfolio is performing.
Total Allocation View
Understand your sector and geographic exposure across both brokers. Spot concentration risks you'd miss looking at each app separately.
Unified Dividend Tracking
All dividend payments from both brokers in one view. Track yield, monitor passive income growth, and see which holdings contribute most.
Benchmark Your Entire Portfolio
Compare your combined holdings against S&P 500, MSCI World, or European indices. Finally answer: "Am I beating the market?"
More Comparisons & Guides
Trade Republic vs DEGIRO
How DEGIRO compares to Trade Republic — another popular European broker.
CompareDEGIRO Import Guide
Step-by-step guide to export and import your DEGIRO portfolio.
View GuideBest European Brokers
Compare more European brokers and learn how to track them all.
Compare BrokersFrequently Asked Questions
Is DEGIRO or Trading 212 better?
It depends on your priorities. DEGIRO offers broader market access, lower fees for larger trades, and products like bonds, options, and futures. Trading 212 is commission-free for stocks and ETFs, supports fractional shares, and pays interest on uninvested cash. Many investors use both.
Can I use both DEGIRO and Trading 212?
Yes, and it's a common combination. DEGIRO for low-cost ETF investing with broad market access, Trading 212 for commission-free stock picking and fractional shares. The challenge is tracking your combined portfolio — which TrackinV solves.
How do I track both brokers in one place?
Export CSV from each broker and import into TrackinV. DEGIRO Account.csv uses the dedicated importer (about two minutes). Trading 212 needs a mapped TrackinV-template CSV. Then you get combined TWR, dividends and allocation.
Is TrackinV free?
Yes. The free tier includes 1 portfolio with up to 10 holdings from multiple brokers. You can track your entire DEGIRO and Trading 212 portfolio combined at no cost.
Does Trading 212 support CSV export?
Yes. Trading 212 lets you export transaction history from the web/app. TrackinV has no dedicated Trading 212 parser: map that export onto TrackinV’s CSV template (date, action, symbol, shares, price), then upload. DEGIRO uses a dedicated Account.csv importer.
Can I also add other brokers?
Yes. TrackinV supports CSV imports from Interactive Brokers, Trade Republic, Saxo, and many other brokers. You can consolidate all your investments into one unified dashboard.
Track Your DEGIRO & Trading 212 Portfolio Together
Import from both brokers and see your complete portfolio: unified performance, combined dividends, total allocation. Free to start.
Start Tracking — FreeFree tier includes up to 10 holdings from multiple brokers