DEGIRO Review 2026: Low-Cost Broker for Poland – No Forex Leverage
PROS for Poland Traders
- Very low commissions – ideal for buying US shares and ETFs from Poland.
- Regulated by AFM and BaFin; assets protected by Dutch deposit/custody protections.
- Polish investors can deposit via bank transfer, Skrill, and USDT.
- Access to a huge range of global exchanges, including US, EU, and Asian markets.
- No minimum deposit, so you can start investing in Poland with a small budget.
CONS for Poland Traders
- No leverage – maximum 1:1, so it is not suitable for retail forex trading in Poland.
- No MT4/MT5, cTrader, or TradingView platform support – no automated trading.
- No Islamic (swap-free) account available.
- Customer support has no Polish phone/live chat and is often slow.
- Forex offering is effectively a foreign exchange service, not leveraged CFD trading.
DEGIRO Overview for Poland
DEGIRO was founded in 2008 in Amsterdam, Netherlands, and quickly grew into one of Europe's largest online brokers, with over 2.5 million clients across 18 countries, including Poland. Its value proposition is simple: low commissions, access to exchanges worldwide, and no hidden fees. By 2020, it merged with flatex to become flatexDEGIRO, the largest German online broker by revenue.
For Polish investors, DEGIRO has become popular because it offers a reliable way to buy US shares, ETFs, bonds, and options at a fraction of the fees charged by Polish domestic brokers. The account is opened online with a Polish ID/passport, and deposits can be made via bank transfer, Skrill, or USDT. The trading interface is available in English and German, though Polish language support is limited.
However, for the purpose of retail forex trading in Poland, DEGIRO is a very different animal from brokers like XTB, Admiral Markets or FOREX.com. Maximum leverage is 1:1, which means there is no margin trading for forex. You can technically trade currencies, but each unit must be fully collateralised. In practice, most Polish forex traders will find this unappealing. That's why DEGIRO is best described as an investment platform, not a forex broker, despite being often compared to the latter.
| Detail | Information |
|---|---|
| Founded | 2008 |
| Headquarters | Netherlands |
| Regulated by | AFM,BaFin |
| Min Deposit | $0 |
| Max Leverage | 1 |
| Platforms | — |
| Islamic Account | Not available |
| Copy Trading | Not available |
| Demo Account | Available |
Regulation & Safety — Is DEGIRO Safe for Poland?
Spreads & Trading Costs 2026
| Instrument | Typical Spread | Commission/Lot | All-In Cost | Standard Spread |
|---|---|---|---|---|
| EUR/USD | Check broker | Varies | Varies | Check broker |
Account Types for Poland Traders
| Feature | Available |
|---|---|
| Demo Account | Yes |
| ECN/Raw Account | No |
| Islamic (Swap-free) | No |
| Scalping Allowed | No |
| Hedging Allowed | No |
| Expert Advisors (EA) | No |
| Copy Trading | No |
Trading Platforms Available
Deposits & Withdrawals — Poland Guide
Islamic Account — Poland Muslim Traders
DEGIRO does not offer an Islamic (swap-free) account. If you are a Muslim trader in Poland and you need to trade without paying or receiving overnight interest (riba), DEGIRO is not for you. All overnight positions in forex, CFDs, or margin-based products (where available) are subject to interest. Even in a non-leveraged cash account, holding an ETF or stock doesn't incur interest, but trading forex pairs without leverage isn't supported in a swap-free format. We recommend looking at forex brokers that offer genuine Islamic accounts, such as XTB or Raw Trading, which also hold Polish or EU licences.
| Feature | Details |
|---|---|
| Islamic Account Available | No |
| Swap Fees | May apply |
| Hidden Admin Fees | Verify with broker before trading |
| How to Apply | Contact support after opening standard account |
| Approval Time | Usually same business day |
Instruments & Markets in Poland
| Asset Class | Examples | Available | Typical Spread |
|---|---|---|---|
| Forex Major Pairs | EUR/USD, GBP/USD, USD/JPY | All available | Check broker |
| Gold (XAU/USD) | Spot Gold | Available | — |
| Silver (XAG/USD) | Spot Silver | Available | Check broker |
| Oil CFDs | WTI Crude, Brent Crude | Available | $0.03–$0.05 |
| Stock Indices | S&P500, NASDAQ, DAX, FTSE | Available | 0.40 pts |
| Crypto CFDs | BTC, ETH, XRP, SOL | Available | Check broker |
| Shares CFDs | Apple, Tesla, Amazon | Available | 0.02% |
Education & Research Tools
Customer Support — Poland Review
Common Mistakes Poland Traders Make with DEGIRO
- Mistake: Assuming DEGIRO offers leveraged forex like XTB. It doesn't – maximum leverage is 1:1, so you cannot open real large-scale FX positions with relatively little capital.
- Mistake: Depositing PLN without checking conversion fees. DEGIRO's currency conversion may charge up to 0.25%, which can be worse than converting PLN to EUR in your local bank before sending.
- Mistake: Expecting Polish-language support and advanced charts like TradingView. DEGIRO's platform is limited and support is in English; you'll need to manage your expectations.
DEGIRO vs Competitors in Poland
| Broker | Min Deposit | EUR/USD | Islamic | TradingView | Score |
|---|---|---|---|---|---|
| DEGIRO (current) | $0 | Check broker | No | No | 3.9 |
| Pepperstone | $0 | 0.09 pips | Yes | Yes | 4.9 |
| IC Markets | $200 | 0.02 pips | Yes | No | 4.8 |
| Exness | $10 | 0.10 pips | Yes | No | 4.8 |
Security & Fund Protection — DEGIRO
Segregated Funds
Negative Balance Protection
Top-tier Regulation
DEGIRO User Reviews & Ratings
CompareBroker Expert Rating
What traders love
Common complaints
DEGIRO Latest News & Updates 2026
Final Verdict — Is DEGIRO Worth It for Poland Traders?
Overall, DEGIRO is an excellent platform for Polish long-term investors who want cheap and transparent access to international markets. Its low fees, EU regulation, and support for bank/Skrill/USDT deposits make it a standout choice for building a securities portfolio in Poland. But for active Polish forex traders, DEGIRO quickly falls short: no margin, no MT4/MT5, no Islamic account, and an outdated proprietary platform. If you trade forex actively or use expert advisors, you will be far better served by XTB, Admiral Markets, or Forex.com. We recommend DEGIRO for long-term investors and for Polish 'inwestorzy' who want to buy global shares and ETFs, but not for retail forex trading in Poland.