None of the seven brokers here reports your Box 3 values into the vooringevulde aangifte. DEGIRO’s own Dutch helpdesk says so in as many words: the Belastingdienst does not carry its financial data into the pre-filled income tax return, and you must complete that part of the return yourself. Every broker on this page issues an annual statement, and every one of them leaves you to type the 1 January figure in. Treat any page claiming otherwise as out of date.

PRIIPs blocks EU retail investors from buying US-domiciled ETFs, so you buy UCITS versions listed on Euronext Amsterdam, XETRA or the LSE. The tegenbewijsregeling stays in force for both 2026 and 2027: if your actual return was below the deemed return, you can file on the real figure, which means keeping your broker statements. And the Netherlands has no transaction tax, unlike Belgium’s TOB — the state takes nothing at the point of trade.

• The Netherlands is absent from the Instant Bank Transfer country list under any Trading 212 entity, and iDEAL is not among the payment logos on the Dutch footer. Plain bank transfer is the only confirmed fee-free funding route for a Dutch client. Trading 212 never publishes method-level fee scope, so the fee treatment of iDEAL is permanently not stated — it cannot be inferred from the fact that its payment processor handles iDEAL for other merchants.
• Interest on uninvested cash is opt-in and requires express consent to cash being held in qualifying money market funds. If you do not enable it, your cash sits in banks, you are paid nothing, and the firm keeps all the interest it receives. QMMF holdings are client assets rather than client money and are not deposit-guaranteed. We publish no rate here: the EUR rate differs across the entities that quote it, and AER, p.a. and APY are three different conventions.
• The free ATM allowance on the card is €400 and it is not converted, so a Dutch cardholder’s €400 is the smaller of the two currency allowances. The spending limits beneath it are converted.
• The CFD product sits in the same app. Use Invest only.
• No share-lending block appears on the Dutch Invest price tab, so the UK and Cypriot lending offer should not be assumed here.

• Your counterparty is Interactive Brokers Ireland Limited (IBIE), authorised by the Central Bank of Ireland. IBKR is not supervised by the Dutch central bank for this purpose, and pages saying otherwise are wrong.
• Protection is the Irish Investor Compensation Scheme, in its own words: compensation is limited to 90% of the amount lost, subject to a maximum of €20,000 to each investor, and it protects against the failure of the firm rather than loss of market value. It is intended for private individuals and does not cover institutions or professional clients. It is not a deposit guarantee and should never be set against a bank’s €100,000 figure — the 90% and the €20,000 travel together.
• Cash interest works on a proportional rule: accounts with a net asset value of USD 100,000 or more are paid the full rate, and accounts below that are paid at a rate proportional to size — a USD 50,000 account earns half.
• IBKR’s Recurring Investments feature is described as covering shares. No IBIE page states that a UCITS ETF qualifies, so do not plan a scheduled ETF purchase around it until you have confirmed it in your own account.
• The desktop platform has a real learning curve. Start in the mobile app or Client Portal.

• The entity is flatexDEGIRO Bank Dutch Branch, trading as DEGIRO — a foreign establishment of flatexDEGIRO Bank SE, primarily supervised by BaFin, registered with DNB in the Netherlands and supervised by AFM and DNB. KvK 82510245.
• The schemes that apply are German. Cash on the Geldrekening is covered by the Entschädigungseinrichtung deutscher Banken up to €100,000 per client. Investor compensation covers 90% of losses to a maximum of €20,000 — the 90% applies first, so a flat €20,000 is never the right figure. The DNB public register entry for flatexDEGIRO Bank SE states expressly that balances are not covered by the Dutch deposit guarantee scheme.
• Securities lending is opt-in and off by default, and DEGIRO is your counterparty rather than the end borrower. The Netherlands is one of only four DEGIRO lending markets, so the Basic-lends / Custody-does-not distinction is live here. If you do opt in, it is all-or-nothing at portfolio level — you cannot choose which positions are lent — voting rights transfer to the borrower for the duration, and the 50/50 revenue split is of net revenue after operational costs, with DEGIRO’s own worked scenarios showing the client receiving under 40% of gross.
• No fractional shares and no recurring or scheduled order type. You buy whole shares, manually.
• Credit interest on uninvested cash is not published anywhere in DEGIRO’s document set — not even as a zero.

• Uninvested EUR cash earns nothing, in every country Lightyear serves. Only UK residents holding GBP and Hungarian residents holding HUF are paid anything on cash. The roughly 2% figures quoted elsewhere belong to Savings — a BlackRock money market fund for Dutch residents. That is an investment product where capital is at risk, not a deposit, and the rate is variable.
• Auto-invest runs only on fractional instruments. Anything non-fractional added to a Plan is grouped under “Auto investing unavailable” and has to be bought separately, and money market funds cannot be added to Plans at all.
• Fractional buys and sells are market orders only, and fractional positions cannot be transferred to another broker — you sell them or top up to whole shares first.
• Regulated by the Estonian Financial Supervision Authority and passported into the Netherlands. Investor compensation is the Estonian Investor Protection Sectoral Fund, up to €20,000 across all multi-currency balances, with crypto assets excluded. Uninvested client money is not covered by the deposit guarantee fund.
• Card, Apple Pay and Google Pay deposits cost 0.6%. SEPA transfers, instant or regular, are free.
• Lightyear does not publish a UCITS ETF count — the roughly 6,000 figure covers stocks, funds and bonds together. Expect less depth than IBKR on niche and factor strategies.

Saxo’s Dutch schedule prices AutoInvest at €0 per scheduled purchase. It is not unrestricted: it covers only a selection of funds and ETFs on the SaxoInvestor platform, and only for EUR-denominated accounts. Sell orders revert to the standard tariff table.

In the same schedule sits a service fee of 0.01% per month, capped at €40, charged on portfolio value excluding derivatives and rebated the following month as a transaction credit valid for one month.

Those two lines interact, and this is the finding. An AutoInvest client pays €0 in commission, so there is nothing for the transaction credit to offset — it expires every month. The free execution is precisely what makes the service fee unrecoverable. On a €13,600 portfolio that is roughly €1.36 a month unrecovered; on €56,000, about €5.60; and it keeps scaling until the €40 cap binds at €400,000. Quoting the AutoInvest zero on its own overstates Saxo.

• FX margins are absolute amounts in the quoted currency, never percentages: USD 0.0014, GBP 0.0011, CHF 0.0014 per unit. They are added on debits and subtracted on credits, and the conversion timestamp differs from the securities-transaction timestamp. The stated scope is foreign-currency income; whether a margin applies to buying a non-EUR asset is not stated anywhere in the pricing documents, so we do not claim it either way.
• Against that, a genuine advantage: card FX is €0, on both payments and foreign ATM withdrawals. Trade Republic charges nothing to convert when you spend, but takes a margin when converting your dividends. Both facts belong together.
• No protection figure appears anywhere in Trade Republic’s document set. Cash above the Partner Amount sits in a money market fund rather than as a deposit, and Trade Republic sets and can change the Partner Amount unilaterally without publishing it.
• Interest on cash must be activated in the app. Balances blocked by open orders or pending card settlement earn nothing, and any headline rate above the base is a conditional, terminable Program rather than a country entitlement. No rate appears in the binding pricing documents, so we publish none.
• No Dutch branch and no NL-specific tax handling — you work from the annual statement like everywhere else on this page.

• A manual order costs a flat €1.99 on both plans. Because the price is identical on FREE and PRIME+, no break-even exists — there is no trade count at which the paid plan pays for itself on order fees. At €1.99 flat, Scalable is not price-competitive on manual orders against a €1-settlement or zero-commission broker at any trading frequency, on either plan.
• Any “no FX fee” claim about Scalable is refuted, not merely unsourced. A currency markup exists in the binding contract; its size is unpublished. Treat foreign-currency instruments as carrying an unknown conversion cost.
• Broker cash pays 0% p.a. The headline interest product is a separate Overnight account carrying an active-deposit condition, and its rate is a website figure the contract declines to publish.
• The five-bank cash distribution attaches to that Overnight account, not to broker cash — it is not protection on your uninvested trading balance, and pages presenting it that way have attached it to the wrong balance.
• Deposit protection is the Entschädigungseinrichtung deutscher Banken, statutory at €100,000 per depositor per credit institution.

eToro does offer real stocks to Dutch residents, but it has charged a real-stock commission since 11 August 2024: USD 2 per trade on the Australian, Hong Kong, Dubai, Abu Dhabi and Tokyo exchanges, and USD 1 on all other exchanges. The pricing is in dollars on a euro-funded account, which means a conversion sits underneath every trade. It is a social-trading platform first and a UCITS ETF platform a distant second, which is why it is not in the ranking. Read the eToro review →

Mintos accepts card deposits only for cards issued in twenty named countries, and the Netherlands is not among them. To be precise about what that is: it is a deposit-method limitation, not a bar on Dutch residents opening an account. Two harder problems rule it out here regardless — there is no Dutch tax report, and positions cannot be transferred off the platform, so you have no exit route other than selling.