Governance

Learn about our legal structure & regulators and meet our Branch Management, the flatexDEGIRO Bank AG Board of Directors and the flatexDEGIRO Bank AG Supervisory Board members.

How we came to be

DEGIRO B.V. was founded in Amsterdam on June 3rd, 2009. In 2020, over a decade later, the Dutch DEGIRO B.V. was bought by the German flatex AG. In May of 2021, the two companies officially merged, becoming flatexDEGIRO Bank AG. flatexDEGIRO Bank AG still operates as two separate brokers in their respective marketplaces under their brand names flatex and DEGIRO. The merger allowed us to combine our experience and expertise and grow to be Europe's leading broker.

Internal and external supervision

INTERNAL

To ensure comprehensive oversight of our operations, we have implemented a governance structure consisting of three tiers.

First and foremost, the Dutch Branch of the flatexDEGIRO Bank has its own Branch Management. The Branch Management consists of two Branch Managers and is responsible for the day-to-day operations of DEGIRO. Within the Branch Management team, there is a clear division of responsibilities, with each of the Branch Managers having their own focus points.

DEGIRO’s Branch Management reports to Frank Niehage in his function as CEO of flatexDEGIRO Bank AG. The Board of Directors of flatexDEGIRO Bank AG is responsible for the day-to-day management and long-term strategy setting of the company. When it comes to setting the strategy of DEGIRO, the Board of Directors works in close cooperation with the Branch Management.

Finally, the Board of Directors is overseen by the bank’s Supervisory Board. The Supervisory Board is responsible for supervising and advising the Board of Directors.

EXTERNAL

flatexDEGIRO Bank Dutch Branch, trading under the name DEGIRO, is the Dutch branch of flatexDEGIRO Bank AG. flatexDEGIRO Bank AG is primarily supervised by the German financial regulator (BaFin). In the Netherlands, flatexDEGIRO Bank Dutch Branch is registered with DNB and supervised by AFM and DNB.

See our registration in DNB’s public registry here.

Branch Management DEGIRO

Frans Kuijlaars

Frans Kuijlaars

Branch Manager – Customer Service and Country Management

Frans focuses on customer service and country management.

Frans joined the flatexDEGIRO group as Country Manager for the Netherlands at flatexDEGIRO Bank AG. During his career, Frans gained significant experience as a banker, focusing on retail and investment banking. He held various positions at ABN AMRO, Royal Bank of Scotland, and BNP Paribas, among others.

Giscard Monod de Froideville

Giscard Monod de Froideville

Branch Manager – Commercial

Giscard focuses on the Marketing and Communications strategy for the 15 European marketplaces that DEGIRO operates in, as well as acting as CMO.

Giscard started off at DEGIRO as a freelance International Brand Strategy & Marketing Consultant and later joined full time as the Global Head of Marketing. Giscard has gained significant marketing experience either as a consultant or leading marketing teams for various companies, such as Bunq, Yearn and Pricewise.com.

flatexDEGIRO Bank AG Board of Directors

Frank Niehage

Frank Niehage

CEO of flatexDEGIRO Bank AG and flatexDEGIRO AG

In addition to being CEO of flatexDEGIRO Bank AG, Frank is the CEO of the holding company flatexDEGIRO AG.

Frank has vast experience across all segments of retail and commercial banking, working as Managing Director at Goldman Sachs until August 2014 when he joined flatexDEGIRO. In previous positions, he was instrumental in the growth of Bank Sarasin AG as CEO in Germany.

During his career, Frank served in various senior positions at Commerzbank, Credit Suisse, UBS and international law firm Beiten Burkhardt, both in Germany and internationally, especially in Asia.

Frank is an attorney at law in Germany and has received his Master of Laws majoring in International Economics from the University of Houston Law Center.

Dr. Matthias Heinrich

Dr. Matthias Heinrich

CRO of flatexDEGIRO Bank AG

Dr. Matthias Heinrich joined flatexDEGIRO Bank AG with approximately 30 years of operational experience in the European banking sector, including 10 years as member of the Management Board of Raiffeisen-Landesbank Steiermark AG, Austria and as Managing Director of EIS Einlagensicherungsbank GmbH, Germany. Prior to this, Matthias held various risk related management positions in the financial industry, including at Banco Santander, Spain, HypoVereinsbank, Germany and Dresdner Bank Lateinamerika, Germany.

Steffen A. Jentsch

Steffen A. Jentsch

CPO of flatexDEGIRO Bank AG

Steffen has extensive experience in financial services, consulting and IT.

He previously served as a Member of the Board of Directors for Fiducia & GAD IT and Atruvia AG before joining the flatexDEGIRO group in 2017. Steffen has extensive management experience at various companies such as BearingPoint, KPMG and Helaba.

Benon Z. Janos

Dr. Benon Z. Janos

CFO of flatexDEGIRO AG and flatexDEGIRO Bank AG

Benon joined the flatexDEGIRO group in 2016 and currently serves as the CFO of flatexDEGIRO Bank AG.

Among other positions, Benon has served as a Supervisory Board Member for fixed income-focused investment Boutique Nord IX and as Managing Director within the Securities Division of Goldman Sachs.

Benon holds a Ph.D. in Materials Science and Engineering from the Massachusetts Institute of Technology.

Stephan Simmang

Stephan Simmang

CTO of flatexDEGIRO AG and flatexDEGIRO Bank AG

Stephan is the flatexDEGIRO group CTO and Head of IT for DEGIRO.

Before joining the flatexDEGIRO group in 2016, Stephan worked at Goldman Sachs for nearly 20 years in several roles, including Executive Director Banking Divisional Systems. Stephan has a background in Electrical Engineering, obtaining a Masters in this field at RWTH Aachen University, whilst simultaneously running his own IT consultancy business.

Jens Möbitz

Jens Möbitz

Operational Customer Functions and the Treasury for flatexDEGIRO Bank AG

Jens is responsible for the Bank’s operational client functions (front-, middle- and back-office), including the processing of securities as well as conducting treasury operations within the bank’s Management Board. The addition of Jens to the Management Board bolsters our corporate governance and improves the overall organisational setup.

For the previous 20 years, Jens has had various management roles within the flatexDEGIRO Group. Throughout that time, Jens has greatly contributed towards the professionalisation of ongoing business operations in a dynamic growth environment. Jens has played an important role in forming the operational integration of DEGIRO into the Group’s processes and leveraging the resulting synergies.

Christiane Strubel

Christiane Strubel

CHRO of flatexDEGIRO Bank AG and Member of the Management board for flatexDEGIRO AG

In her role, Christiane focuses on human resources and data protection & authorisation management.

Christiane joined flatex in 2016 as the Head of Human Resources and Executive Director. She was later promoted to Global Head of HR and Managing Director within the flatexDEGIRO group.

Christiane has greatly contributed towards raising the HR department of flatexDEGIRO Bank AG to an international standard and played an important role in shaping the group's personnel growth from a national provider with around 400 employees in Germany to Europe's online broker with around 1,300 employees working in our various international offices in Amsterdam, London, Sofia, Vienna/Graz.

flatexDEGIRO Bank AG Supervisory Board

Martin Korbmacher

Martin Korbmacher

Chairman of the Bank Supervisory Board

After finishing his studies of Mathematics, Physics and Computer Science, Martin started his career in 1991 at JP Morgan where he served as Head of Trading before joining Dresdner Kleinwort in 1997 as Global Head of Fixed Income Trading. He later became the Global Head of Equites in 2000.

In 2005, Martin took over as Head of the Investment Banking Division at Credit Suisse for Germany and Austria and played a key role in the successful growth of the business activities.

He later founded Event Horizon Capital & Advisory in 2011 and has been advising multiple companies in corporate finance and innovation. Since 2014, Martin is the Chairman of the Supervisory Board of flatexDEGIRO AG and since 2017 also of flatexDEGIRO Bank AG.

Stefan Müller

Stefan Müller

Member of the Bank Supervisory Board

Stefan started his banking career in 1985 with Bayerische Hypo- und Vereinsbank (today: HVB, subsidiary of UniCredit) and went through different roles, including positions in the securities and private banking business. In 2002, he joined the former flatex Holding AG and became member of the board until 2014.

Today, he is the general representative of Börsenmedien AG, one of the leading financial media companies in Germany, Vice Chairman of the Supervisory Board of flatexDEGIRO AG and member of the Supervisory Board of flatexDEGIRO Bank AG.

Aygül Ōzkan

Aygül Ōzkan

Member of the Bank Supervisory Board

Aygül is Managing Director of the German Property Federation (ZIA) and represents the leading association of the real estate industry in a wide range of political and business-oriented bodies.

From 2014 to 2020, she was Managing Director and member of the Management Group Germany at Deutsche Bank PCC Services GmbH and Deutsche Bank Kredit Service GmbH. Previously, Aygül was Minister for Social Affairs, Women, Family, Health, Construction and Integration in Lower Saxony (2010-2013) and in 2014, a member of the Lower Saxony state parliament.

Aygül has been a member of the supervisory board of flatexDEGIRO Bank AG since 2022.

Stefan Müller

Britta Lehfeldt

Member of the Bank Supervisory Board

Britta has been a member of the Supervisory Board of flatexDEGIRO Bank AG since June 2023.

Britta, with a degree in Economics (from the University of Giessen), forged a 20-year career at Deutsche Bank AG, progressing from operational roles to becoming a board member. As a Management Board member, she oversaw critical areas such as human resources, legal affairs, compliance and crisis management. In her final role at Deutsche Bank, she was COO from January 2020 and managed all commercial and procedural aspects of the IT business area. Her departure in mid-2021 marked the end of a successful and impactful chapter at Deutsche Bank. Throughout her tenure, Britta held significant mandates on supervisory and advisory boards, showcasing her influential presence in the financial sector.

Aygül Ōzkan

Herbert Seuling

Member of the Supervisory Board

Herbert, a Business Administration graduate from the University of Bamberg in 1983, became a tax consultant in 1987. In 1993, he joined Dr. Mehnert und Seuling Steuerberatungsgesellschaft, later founding C.P.A. Dr. Mehnert & Seuling GbR, a leading northern Bavarian consulting firm. As Managing Director of M & S Monitoring GmbH since 2019, he oversees its operations.

With over two decades of experience on the board of examiners for tax advisors, Herbert has been integral to the industry. Since 2016, he's been a key figure in advisory and supervisory roles. He has been on the Supervisory Board of flatexDEGIRO AG since 2016, chairing the Audit Committee since December 2021 and, since August 2022, he’s been the Chairman of the Joint Risk and Audit Committee and Member of the Remuneration Control Committee of flatexDEGIRO AG.

Vår historia

Vår resa började 2013 när vi revolutionerade investeringsbranschen för privatpersoner genom att lansera våra tjänster i Nederländerna. Bara 10 år senare är vi stolta över att ha blivit en av de ledande mäklaren i Europa och erbjuder våra tjänster i 15 länder över hela Europa.

2022

Fortsatt tillväxt

Under 2022 nådde vi 2 miljoner kunder i Europa och överträffade 100 000 kunder i Italien och Portugal. Vi var också stolta över att ta hem nya utmärkelser, vilket gav oss över 100 internationella priser totalt. Och vi fortsatte att förbättra vår plattform genom att lägga till nya funktioner som Dark Mode och topplistor.

2021

Förbättrad plattform

Under 2021 lade vi till en omfattande mängd finansiell data, såsom ESG-rankningar och analyser, och började lansera flatexDEGIRO Cash Accounts, en ny lösning för att hålla oinvesterade pengar. Vi började också erbjuda investeringar på Tradegate Exchange, vilket möjliggör handel före och efter stängning.

2020

Nästa kapitel

År 2020 gick vi samman med flatex AG och blev en av de största mäklarna i Europa. Vi inkluderades också i SDAX, vilket gjorde flatexDEGIRO till ett av de 160 största börsnoterade företagen i Tyskland. Tillsammans började vi erbjuda våra tjänster till över 1 miljon investerare.

2019

En ny handelsplattform

Under 2019 lanserade vi vår nya handelsplattform utifrån våra kunders feedback och den föränderliga tekniken. Tack vare våra investerare tilldelades vi flera internationella priser även i år.

2018

Fler kunder och fler utmärkelser

Under 2018 fick vi över 350 000 kunder. Vi växte som en pålitlig och trovärdig mäklare och vann över 40 internationella mäklarpriser, inklusive priserna för bästa mäklare och bästa mobilapp, som delades ut av Financial Times & Investors Chronicle.

2017

Topp-5 i Europa

Under 2017 nådde vi fler än 200 000 kunder och blev en av de fem största mäklarna i Europa baserat på transaktioner per år. Vi fortsatte att vinna många utmärkelser, bland annat priset för bästa mäklare i Tyskland från Handelsblatt Broker Comparison.

2016

Största mäklaren i Nederländerna

Under 2016 blev vi den största onlinemäklaren i Nederländerna sett till antalet transaktioner per år. Vi välkomnade också Schweiz till vår familj och gjorde det till det 15:e landet att dra nytta av våra otroligt låga avgifter.

Switzerland
2015

Mer expansion

Under 2015 fortsatte vi vår tillväxt i Nordeuropa och Italien och lanserade vår engelska plattform i Storbritannien. Vi tilldelades flera internationella utmärkelser längs vägen, bland annat det prestigefyllda Golden Bull Award i Nederländerna.

Sweden Denmark Italy Norway Finland United%20Kingdom Ireland
2014

Nio länder nådde målet

Under 2014 inledde vi vår expansion och erbjöd våra tjänster i nio europeiska länder. Vi växte på den nederländska marknaden genom att vinna utmärkelsen Best Broker och vårt samarbete med Euronext.

France Czech Austria Germany Spain Poland Hungary Greece Portugal
2013

Lansering av DEGIRO

2013 introducerade vi tjänster i Nederländerna med möjlighet för alla våra privatkunder att investera med otroligt låga avgifter. Detta var början på vårt uppdrag: att göra global handel tillgänglig och prisvärd för alla.

Netherlands

Vår resa har bara börjat

Vill du veta mer om var vi är påväg? Ta reda på mer om vilka vi är och vad vi tror på.

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Din investeringsresa börjar här

Öppna ett gratis konto på vår användarvänliga plattform med över 2,5 miljoner investerare.

Observera:
Investeringar är förenade med risker. Du kan förlora (en del av) ditt investerade kapital. Vi råder dig att endast investera i finansiella produkter som motsvarar dina kunskaper och erfarenheter. Detta är inte ett investeringsråd.

Investeringar är förenade med risker.

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Vi vill hjälpa människor att bli de bästa investerare de kan bli. Genom att erbjuda en mängd möjligheter och val på vår användarvänliga plattform är det enklare att göra investeringar tillgängliga för alla: nybörjare eller experter. Du får tillgång till ett brett utbud av produkter på mer än 50 globala börser för att ha friheten att investera som du vill. I vår värld får du också mycket valuta för pengarna. Så utan att kompromissa kvaliteten, säkerheten och utbudet av våra investeringstjänster erbjuder vi otroligt låga avgifter. Att prioritera dina behov har hjälpt oss att bli den ledande europeiska online-mäklaren med över 2,5 miljoner kunder och mer än 100 internationella priser.

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Villkor för erbjudandet om 1000kr i transaktionsavgifter

Om du aktiverar ditt DEGIRO-investeringskonto före den 1 april 2024 kommer DEGIRO att ersätta dina transaktionsavgifter upp till 1000kr. Följande villkor gäller för detta erbjudande:

  • Erbjudandet gäller till och med den 31 mars 2024.
  • Under erbjudandet får nya kunder som har aktiverat ett konto upp till 1000kr i transaktionsavgifter tillbaka.
  • De första transaktionskostnaderna och externa hanteringsavgifter upp till 1000kr fram till den 30 april 2024 kommer att återbetalas.
  • Valutahanteringsavgifter (Auto FX och manuell) kommer ej återbetalas i samband med denna kampanj.
  • I början av maj 2024 kommer vi att ersätta transaktionskostnader och externa avgifter som du har använt (upp till högst 1000kr) till ditt DEGIRO-konto.
  • Erbjudandet gäller endast för nya kunder med ett svenskt DEGIRO-konto.
  • När du signerat kundavtalet kommer ditt konto att aktiveras och erbjudandeperioden att börja.
  • För att börja handla och därmed använda kupongen värd 1000kr måste den nya kunden göra en insättning först (minsta summa är 1kr).
  • Nya kunder som påbörjat sin registrering före erbjudandet men aktiverar sitt DEGIRO-konto under erbjudandet kan också utnyttja erbjudandet.
  • Om ett befintligt konto redan är kopplat till den nya kundens adress, är deltagande uteslutet.
  • Varje ny kund kan bara få 1000kr i transaktionsavgifter en gång.
  • Transaktionsavgifterna och hanteringskostnaderna konverteras till och ersätts i SEK även om de debiteras i EUR. Summan som ersätts i SEK beräknas på den valutakurs som gäller på ersättningsdagen.
  • Holländsk lag är tillämplig på denna kampan.

Godkännande av villkoren för erbjudandet

Genom att ta del av erbjudandet godkänner kunden automatiskt erbjudandevillkoren. DEGIRO kan närsomhelst avsluta kampanjen innan dess angivna avslutnings datum eller justera kampanjvillkoren. Sådana ändringar kommer att kommuniceras genom DEGIRO:s webbplats.

Deltagande

Alla kunder som har aktiverat ett konto hos DEGIRO senast den 31 mars 2024 kan delta i erbjudandet.

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