Hi everybody. I have a question about Degiro:
If i open an account as a swiss investor i can only deposit chf, right? what happen if in the future i move away in Europe and i earn just euros? can i change easily to an european account of Degiro or i have to open a new one and transfer my portfolio there?
Thank you in advance…and sorry for my ignorance, im new in this world 
You can open as many degiro accounts as you want, at least this is not a problem.
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You deposit in Euros.
Where does it say that you can only deposit CHF?
Edit: the help section says so. 
And you can’t change base currency.
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I have talked with DEGIRO about that in the past and the support told me you would have to open a new account and actually pay for the transfers between the accounts if you are using automated transfers. It seems like all their regions are entirely separated.
It’s actually the same if you want to change from Custody to Basic, you have to open a new account and transfer everything with fees… This is pretty stupid.
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so finally in this case Interactive Brokers would be a better option i guess…
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For people planning to move, I think IB is better indeed.
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I recently closed my Swiss Degiro account and opened a German one, even when I live in Switzerland.
I didn’t have many positions to move, so that was a minor point.
Reason was that this way i can buy VWCE at Xetra for free, have no exchange connection fees and no dividend costs with my custody account. I convert the CHF to EUR at IB.
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If you already exchange money at IB, why not use IB to buy your ETFs? You could have access to better ETFs and save on dividend taxes.
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I do, for the most part, buy those (VT). But I like to keep a small part at Degiro too.
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I very recently (December 2021) opened a DEGIRO account in CHF from Switzerland.
Auto FX was/is(?) 0.10 % and manual was 0.02% + 10 EUR.
This is still stated as of today in the DEGIRO FAQ.
Accordingly to the official PDF valid beginning 2022-01-05 they increased this more than twelve-fold from 0.02% to 0.25%. Auto FX was increased from 0.1% to 0.25%, which is more than double!
Am I correct or do you have any other information? Support did not react to my inquiry yet.
I received no notification about the changes. If this is true, I lost all my trust in Degiro.
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IBKR is for free now and much lower fees.
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Found the same new fees from the FAQ page now:
The AutoFX fee is 0.25% of the amount converted.
Alternatively, you can enable manual currency handling, and convert a lump sum manually to trade with. The fee for a manual currency conversion is 10.00€ + 0.25% of the amount converted.
Thanks for this information. I would neve have seen it, as I only use Degiro for small amounts…
I guess it is one more reason tu use IBKR.
I have a CHF Account with Degiro for quite some time.
They did announce that they were updating their AGB and fees back in December IIRC via email. The raise for AutoFX was communicated as part of that as well.
0.25% is still quite low, especially compared with Swiss brokers.
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Agree. Unless you invest tens of thousands per year, the difference is not that big.
Yes, it is correct that they changed it - ironically as part of the ’ DeGiro goes Zero’ campaing.
Also, they quietly removed the option of opening a custody account. Existing customers can keep it (for now- who knows).
Exactly for such repeating changes with short or no notice, I left my previous broker. It is very annoying.
And still IB is an order of magnitude lower.
I have the feeling, that whenever IB changes their fee structure, I am better off than before while whenever new kids on the block (be it Revolut, DEGIRO, even DKB) announce that they change their fees everyone is worse off. I guess that’s the business model of the ‘free lunch’ providers.
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How do you transfer EUR between IB and Degiro?
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If you have a degiro account in Eurozone, your connected bank account should be in Euro. So, withdraw Euro from IB into your bank account, deposit them to degiro. It is not possible to deposit or withdraw Euro to/from degiro.ch.
Ok, that makes sense. Do you know a good and mustachian EUR account which is available from Switzerland? Would be nice to have zero fees for transfering any EUR amount