DEGIRO

DEGIRO, now a part of flatexDEGIRO Bank AG, represents the pinnacle of European retail brokerage through its highly scalable, vertically integrated banking architecture. By 2026, the platform has solidified its market position by leveraging the flatexDEGIRO proprietary core banking system, which enables ultra-low transaction costs and real-time settlement across more than 50 global exchanges. The technical stack focuses on Smart Order Routing (SOR) technology, which automatically scans multiple execution venues (such as Euronext, Xetra, and Tradegate) to ensure best-price execution for users. DEGIRO’s infrastructure is designed for high-concurrency, providing retail traders with tools formerly reserved for institutional players, including advanced margin capabilities, real-time ESG risk profiling via Refinitiv integrations, and a robust multi-currency sub-account structure. As a regulated bank, it maintains a unique position in the market by combining the agility of a Neo-broker with the security and asset protection of a traditional German banking license, ensuring all client assets are held in a separate legal entity (SPV) to safeguard against insolvency.