Degiro portfolio tracker
Bank AI reads your Degiro account under PSD2 - positions, cash and transactions across stocks, ETFs and bonds - and shows it next to every other bank, broker and crypto wallet you hold.
Degiro — Amsterdam-based pan-European broker (part of flatexDEGIRO) known for low-cost access to 50+ exchanges; supervised by AFM / DNB and BaFin.
- Markets
- 11
- Asset classes
- Stocks / ETFs / Bonds
- Connection
- PSD2 (read-only)
What Bank AI surfaces from your Degiro account
Read-only by design. Bank AI never places orders on Degiro on your behalf.
Equity and ETF positions
Stocks and ETFs across 50+ exchanges read into Bank AI with cost basis, current value and unrealised P&L in your home currency.
Multi-currency cash
Degiro's cash balance (EUR by default, with auto-FX for trades in other currencies) sits next to your bank current accounts.
Bond positions
Government and corporate bond holdings are surfaced with maturity dates and coupon schedules tagged on the position.
Dividends and corporate actions
Incoming dividends and corporate-action proceeds (rights, splits, mergers) are read alongside the underlying positions.
Markets where Degiro operates
Degiro operates across all 11 Bank AI launch markets under EU passporting from its Dutch / German banking licences.
- United Kingdom
- Ireland
- Germany
- France
- Italy
- Spain
- Belgium
- Luxembourg
- Netherlands
- Portugal
- Czech Republic
Asset classes covered
- Stocks across 50+ exchanges
- ETFs (incl. Degiro free-list)
- Bonds (government and corporate)
- Investment trusts
- Tracker certificates and warrants
Tax wrappers compatible
Degiro operates as a brokerage account (no native ISA / PEA / Depot wrapper) in most markets. Bank AI surfaces it as a brokerage holding alongside any wrapper accounts you have at other brokers.
- Brokerage account (all markets)
- Custody fee tracking (separate from positions)
Ask the Bank AI assistant
Plain-language questions across your full multi-broker picture, including Degiro.
- What is my total European equity exposure across Degiro and my UK broker?
- How much have I paid in Degiro custody and exchange-connectivity fees this year?
- Show me my dividends from European stocks last quarter.
- Compare my Degiro performance to the MSCI Europe over the last 12 months.
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Degiro and Bank AI - frequently asked questions
Does Bank AI place orders on Degiro?
No. Bank AI is read-only. We surface positions, cash, dividends and corporate actions so you can see the picture, but every trade continues to be placed inside the Degiro app. We never move money or trade securities on your behalf.
How does Bank AI connect to Degiro?
Degiro is part of flatexDEGIRO and exposes account data via PSD2 in the EU and through the UK open-banking framework. Bank AI uses licensed AISP partners to read positions, cash and transactions, with Strong Customer Authentication enforced every 90 days.
Are Degiro custody fees and connectivity fees tracked?
Yes. The annual exchange-connectivity fee and any per-position custody fees Degiro charges are tagged in the transaction stream so you can see total cost-of-ownership for each market you trade.
Does Bank AI calculate Box 3 (Dutch wealth tax) for Degiro positions?
No - Bank AI surfaces the assets and balances that drive the Box 3 calculation, but the deemed-return calculation itself (which changes frequently) is best handled in dedicated Dutch tax software or by your annual broker statement.
Can I see Degiro alongside crypto and my pension?
Yes. Degiro positions sit in the same multi-currency view as your AJ Bell SIPP or French assurance-vie, your Coinbase or Bitpanda wallet and your everyday banking, with one multi-currency net worth number.
Is my Degiro data stored outside the EU?
No. Bank AI processes broker data in EU regions by default, with AES-256 encryption and EU-region key management. Degiro itself remains the custodian of your securities; Bank AI never holds them.
Connect Degiro to your full money picture
Closed preview in 2026 Q2 - public launch later in 2026.
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