What is flatex bank ag?

Written by Editorial Team | Last Updated: August 2026

flatex Bank AG is a German-regulated financial institution that serves as the core banking and settlement entity for the flatexDEGIRO group. It is authorized by the German financial regulatory authority, BaFin, to provide comprehensive banking and investment services. The bank is essential to the group's business model, as it manages the custody accounts, cash accounts, and transaction settlement processes for the company's millions of retail brokerage clients across Europe. Because it holds a full banking license, flatex Bank AG can offer a secure, highly regulated environment for its clients’ assets, including cash deposits that are protected under European deposit guarantee schemes. It is the technological and regulatory backbone that allows the group to offer efficient, low-cost brokerage services while maintaining the strict compliance and capital requirements necessary for a major European financial services firm.

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Flatex operates an online brokerage platform with a transparent cost structure tailored for European investors.

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