Trade Republic vs Degiro 2026: Which to Choose for Your ETFs and Stocks?

Investing in ETFs and stocks has become accessible thanks to online platforms. In France, two major players stand out: Trade Republic and Degiro. This 2026 comparison will help you choose the platform best suited to your needs by analyzing fees, usability, range of instruments, and services offered.

Comparison Table: Trade Republic vs Degiro

Criteria	Trade Republic	Degiro
Brokerage Fees	€1 per order (flat fee), no minimum	From €0.50 + €0.004 per share, variable depending on markets
Account Maintenance Fees	Free	Free
ETF Fees (Physical Replication)	Over 1,400 ETFs with no brokerage fees (e.g., iShares Core MSCI World)	No fee-free trading, but wide selection of ETFs
Platform & Application	Intuitive mobile app, limited web platform	Comprehensive web platform, mobile app available
Accessible Markets	Mainly Germany, France, USA	More than 50 global exchanges
Customer Service	Support via chat and email, limited hours	Support via phone, chat, and email, extended hours
Taxation / Reporting	No PEA, securities account only	No PEA, securities account only

Detailed Analysis of Advantages and Disadvantages

Trade Republic

• Pros:
  • Very competitive fees: €1 per order, ideal for small investors
  • Over 1,400 ETFs with no brokerage fees, perfect for passive strategies
  • Simple and ergonomic mobile interface, suitable for beginners
  • No equity savings plan (PEA) available, but straightforward securities account
• Cons:
  • Limited market access (mainly Germany, France, USA)
  • No full web platform, less suitable for advanced traders
  • Customer service can be slow, limited hours
  • No PEA, which may be a tax disadvantage for some French investors

Degiro

• Pros:
  • Access to more than 50 global exchanges, ideal for international diversification
  • Comprehensive web platform with advanced tools for experienced traders
  • Competitive brokerage fees, especially for large volumes
  • Responsive customer service with phone support
• Cons:
  • Variable brokerage fees, which can be higher for small orders
  • No ETFs without brokerage fees, which can impact passive strategies
  • Mobile app less intuitive than Trade Republic
  • No PEA, limiting tax advantages for French residents

Clear Verdict: Which Platform to Choose in 2026?

If you are a beginner or intermediate investor looking to invest mainly in ETFs without brokerage fees and with a simple interface, Trade Republic is an excellent option. Its fixed fee of €1 per order and wide selection of fee-free ETFs make it an ideal choice for passive strategies.

Conversely, if you are an experienced investor seeking access to a wide range of international markets and advanced tools, Degiro is better suited. Its competitive fees on large volumes and comprehensive platform make it a preferred choice for global diversification.

Our Recommendation for the French Investor

In 2026, neither broker offers a PEA, a tax-advantaged scheme in France. If you want to benefit from the PEA, you will need to turn to traditional banks or other specialized brokers.

For a French investor focused on low-cost ETFs and simple management, Trade Republic is recommended, notably for its fee-free ETF offering and intuitive mobile interface. However, be aware of the limitation in accessible markets.

For those who want to diversify across many markets (Asia, Europe, USA, etc.) and are comfortable with a more technical interface, Degiro remains a relevant choice, despite sometimes higher fees for small orders.

Finally, always remember to check the taxation applicable to your investments, including social contributions (17.2%) and income tax, as well as the reporting requirements to the French tax authorities.

Sources and Key Figures

• Trade Republic, official website (2026): over 1,400 ETFs with no brokerage fees
• Degiro, official website (2026): access to more than 50 global exchanges
• Average brokerage fees: Trade Republic €1, Degiro €0.50 + €0.004 per share
• Social contributions in France: 17.2% on capital gains

In summary, your choice will depend on your investor profile, strategy, and appetite for international diversification.