Broker guides

DeGiro export guide: one file holds your full history

DeGiro offers three export files. One of them, the account statement (Rekeningoverzicht), contains your full history: every trade, dividend, share split and deposit. The transaction file that most people know lists only trades, so on its own it misses your dividends and your splits.

This guide covers where the account statement is, which date range to pick, what the columns mean, and what to check before you rely on the file.

How to export from DeGiro

Log in on the web. The app cannot export.
Open the activity section. In the English web trader that is the row of tabs Messages, Orders, Transactions and Account statement. In Dutch it is Berichten, Orders, Transacties and Rekeningoverzicht.
Pick Account statement (Rekeningoverzicht). This one file holds your trades, dividends, splits and deposits.
Set the start date to before your first trade and the end date to today.
Click Export, top right, and choose XLSX or CSV.
Upload that one file to BullBenchmark.

The export takes about 30 seconds. DeGiro shows these menu names in the language your account is set to, so the labels on your screen may differ from the ones above.

Set the start date well before your first trade, not to a round year you think you started in. One missing early purchase corrupts the cost basis of anything you still hold, and nothing on screen shows the error.

If you have money at more than one broker, repeat the export there and keep the files together. Merging them into one view is what tracking multiple brokers in one dashboard is about.

What the export is for

A portfolio is a ledger underneath the charts. Every position you hold today is the result of a sequence of events (buys, sells, fees, dividends and currency conversions), and to know how you have done you need that sequence, not a snapshot.

The export files are DeGiro's version of that ledger, and they carry the four things portfolio tracking rests on.

Cost basis. What you paid for each position, fees and currency conversion included.
Performance. A time-weighted return, the number you can fairly compare with an index, needs every cash flow with its date. Money deposited in March and money deposited in November did not see the same market.
Dividends. What you received, what was withheld, and in which currency.
FX. If you buy American stocks from a euro account, the exchange rate on each trade date is part of your return.

DeGiro's interface shows fragments of all this, spread across screens. It does not show your time-weighted return, does not compare you with an index, and does not show your dividend history in one view. The exports contain the raw material for each of those answers.

The background on why the time-weighted return is the fair yardstick is in time-weighted vs money-weighted return.

The three exports

Account statement (the Rekeningoverzicht tab) is the file you want, and the one most people skip. It is the full cash ledger of your account: every buy and sell, every dividend and the tax withheld on it, deposits, withdrawals, interest, transaction costs, share splits and other corporate actions, and the running cash balance.

Pick the full date range, click Export, and take whichever format DeGiro offers. XLSX, CSV and the older XLS all work.

Transactions (the Transacties tab, next to it) is the file everyone knows, and on its own it is not enough. It lists your buys and sells with exact times and prices, but no dividends, no deposits, no cash balance and no share splits.

As an extra upload the transaction file adds trade detail. As your only file it understates your return and gets your share count wrong after a split.

Portfolio is a snapshot of today's positions. It is useful for a quick check and useless for history.

The difference between the first two matters more than people expect. The transaction file answers what you traded and at what price. The account statement answers what moved through your account and why, and because DeGiro books trades there as well ("Koop 45 @ 21,72 EUR"), it answers the first question too. That is why one file is enough.

A tracker that only sees your trades shows plausible positions and a return that is too low, because dividends are part of your return and they are not in that file.

What the columns mean

A few columns trip people up.

Waarde EUR is the trade value excluding fees.
Totaal EUR includes transaction costs and AutoFX fees. This is the amount that left your cash balance.
Wisselkoers is the FX rate DeGiro used. It matters if you buy US stocks and want your cost basis in euros.

In the account statement, dividends show up as two lines: "Dividend" (gross, sometimes in USD or another currency) and "Dividendbelasting" (the withholding tax, negative). Your net dividend is the sum of the two, converted to euros at the rate on the payout date.

The distinction between the value column and the total column matters because fees are part of what you paid. Compute your cost basis from the value that excludes them and every trade looks slightly cheaper than it was. Over years of trading, that difference adds up to a return figure that no longer matches your bank account.

The FX rate matters for the same reason. Converting your dollar trades at today's rate instead of the rate on the trade date changes your history every time the euro moves. The correct method is the cost in your own currency at the historical rate, per trade. The mechanics are in average cost basis explained.

What goes wrong

The most common mistake is exporting only the transaction file and concluding that DeGiro never paid you a dividend. DeGiro books dividends in the account statement, and they will not appear in the transaction export. The same applies to share splits. The transaction file misses them, so your share count drifts.

The second is a partial date range. An export that starts in January 2022 when your account opened in 2019 produces positions that appear from nowhere, or sales with no matching purchase. Everything computed downstream (cost basis, realized gains, returns) inherits the gap.

The third is editing the file in Excel before uploading it. Excel reformats dates, strips leading zeros and rounds long decimals, and each of those changes damages a ledger. If a tool requires you to reformat the export by hand, that is a limitation of the tool, not of the file. Keep the original as DeGiro produced it.

The fourth is mistaking the portfolio snapshot for history. It tells you what you hold today at today's prices, and nothing else. You cannot compute a return, a cost basis or a dividend total from it.

What to check after exporting

Before you trust a dashboard built on these files, spend two minutes on four checks.

Open the file and confirm that the oldest row is the start of your account, not the start of the range you selected.
Check that the positions implied by all buys minus all sells match what the DeGiro app shows today.
Scan for dividend lines and confirm that the withholding lines sit next to them.
Add up deposits and withdrawals roughly. The net should resemble the money you put in.

If something looks off, export again with a wider date range before assuming the file or the tracker is broken. In practice the file is nearly always right and the date range is nearly always the cause.

Frequently asked questions

Does DeGiro export dividends? Yes, but only in the account statement (the activity tabs, then Rekeningoverzicht or Account statement), never in the transaction export. This one fact explains most complaints about missing dividends.

Can I export from the mobile app? No. Log in on the web, because the app cannot export.

How often should I export again? As often as you want your numbers current. Monthly is enough for most buy-and-hold investors, and if you trade weekly, export weekly.

Uploads merge. Rows that are already known are recognized and skipped, so an export of the last few months is enough to top up your history. Uploading the same file twice changes nothing.

Does a tracker need my DeGiro login? A file-based tracker does not. The export route hands over data, not credentials. The reasoning behind that design is in portfolio tracking without broker login.

My statement is in Dutch and my tool is in English. Is that a problem? No, if the tool knows DeGiro's format. The column names and booking labels are consistent, which is what a parser needs.

From files to answers

The exports contain everything needed to answer one question. Are you beating the market, or would an index fund have done better? The files do not give the answer by themselves. They are the complete record from which it can be computed.

BullBenchmark reads the file as it is, with no editing or reformatting. After the upload your full history is rebuilt in seconds and compared with the S&P 500.

BullBenchmark reads the transaction export from your broker and shows your return next to the S&P 500 and the Nasdaq 100, fed with the same deposits on the same dates, in your own currency. The first two weeks are free and no card is needed.