Broker guides

DeGiro Export Guide: How to Download Your Full Transaction History

DeGiro gives you three export files. Most people only know about one of them, and it's not enough to rebuild your portfolio history. Here's what each file does, how to get it, and what to check before you rely on it.

Why the export matters

A portfolio is, underneath the charts, a ledger. Every position you hold today is the result of a sequence of events — buys, sells, fees, dividends, currency conversions — and if you want to know how you have actually done, you need the sequence, not a snapshot. The export files are DeGiro's version of that ledger, and they carry the four things serious tracking rests on.

First, cost basis: what you actually paid for each position, fees and currency conversion included. Second, performance: to compute a time-weighted return — the number that lets you compare yourself fairly to an index — a tracker needs every cash flow with its date, because money you deposited in March and money you deposited in November did not experience the same market. Third, dividends: what you received, what was withheld, and in which currency. Fourth, FX: if you buy American stocks from a euro account, the exchange rate on each trade date is part of your real return, whether or not you ever think about it.

DeGiro's interface shows fragments of all this, scattered across screens. It won't tell you your time-weighted return, won't compare you to an index, and won't show your dividend history in one view. The exports contain the raw material for every one of those answers; downloading them is how you get that material into something that can do the arithmetic. If you want the background on why time-weighted return is the fair yardstick, we cover it in time-weighted vs money-weighted return.

The three exports

Transactions (Overzichten → Transacties) is the one everyone knows. Every buy and sell since you opened your account: date, ISIN, quantity, price, fees, FX rate. Pick the full date range, hit Export, choose XLSX. This file rebuilds your positions and cost basis.

Account statement (Overzichten → Rekeningoverzicht) is the one everyone skips, and it's where your dividends live. DeGiro doesn't put dividends in the transaction export. Withholding tax, deposits, withdrawals, interest: all here. If you want to know what you actually received in dividends, you need this file.

Portfolio is a snapshot of today's positions. Nice for a quick check, useless for history.

The division of labor between the first two matters more than people expect. The transaction file answers "what do I own and what did it cost." The account statement answers "what cash moved through my account and why." Neither is complete on its own. A tracker that only sees your trades will show correct positions but understate your total return, because dividends are part of that return. A tracker that only sees cash movements can't rebuild your holdings at all. You want both files, covering the same full period, uploaded together.

Getting the files

Log in on the web (the app can't export)
Overzichten → Transacties → set the start date to your first-ever trade → Export → XLSX
Overzichten → Rekeningoverzicht → same full range → Export → XLSX

That's it. Two files, maybe 30 seconds each.

Two small points of discipline. Set the start date to well before your first trade, not to some round year you vaguely remember starting in; one missing early buy quietly corrupts the cost basis of anything you still hold, and the error never announces itself. And export both files over the same range, so trades and dividends line up. If you run money at more than one broker, repeat the exercise there and keep the files together — merging them into one view is what tracking multiple brokers in one dashboard is about.

What the columns mean

A few that trip people up: Waarde EUR is the trade value excluding fees. Totaal EUR includes transaction costs and AutoFX fees, this is what actually left your cash balance. Wisselkoers is the FX rate DeGiro used, which matters if you buy US stocks and want your true euro cost basis.

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, after converting to euros at the rate on the payout date.

Why the distinction between the value column and the total column matters: fees are part of what you paid. Compute your cost basis from the value that excludes them and you flatter yourself by a small margin on every trade; over years of trading, that flattery compounds into a return figure that no longer matches your bank account. The FX rate deserves the same respect. Converting your dollar trades at today's rate instead of the rate on the trade date rewrites your history a little every time the euro moves. The correct method — cost in your own currency at the historical rate, per trade — is unglamorous, which is presumably why so few tools bother. The mechanics are laid out in average cost basis explained.

Common mistakes

The classic: exporting only the transaction file and concluding that DeGiro never paid you a dividend. It did. It just books dividends in the account statement, and no amount of staring at the transaction export will make them appear there.

Second, partial date ranges. An export that starts in January 2022 when your account opened in 2019 produces positions that seem to have materialized out of nowhere, or sells with no matching buys. The math downstream — cost basis, realized gains, returns — inherits the gap.

Third, editing the file in Excel before uploading it anywhere. Excel likes to help: reformatting dates, stripping leading zeros, rounding long decimals. Helpful is exactly what you don't want in a ledger. If a tool requires you to reformat the export by hand, that's a limitation of the tool, not of the file. Keep the original as DeGiro produced it.

Fourth, 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, no matter how long you look.

What to check after exporting

Before trusting any dashboard built on these files, spend two minutes on sanity checks.

Open the transaction file and confirm the earliest row really is your first trade, not just the first trade in the range you happened to select.
Check that the positions implied by all buys minus all sells match what the DeGiro app shows you today.
Scan the account statement for dividend lines and confirm the withholding lines sit next to them where you'd expect them.
Add up deposits and withdrawals roughly in your head; the net should resemble the money you actually put in.

If something looks off, re-export 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 culprit.

Frequently asked questions

Does DeGiro export dividends? Yes, but only in the account statement (Overzichten → Rekeningoverzicht), never in the transaction export. This single fact explains most "my dividends are missing" complaints on the internet.

Can I export from the mobile app? No. Log in on the web; the app can't export.

How often should I re-export? As often as you want your numbers current. Monthly is plenty for most buy-and-hold investors; if you trade weekly, export weekly. Each fresh export supersedes the picture, so there's no penalty for doing it more often than necessary.

Does a tracker need my DeGiro login? Not a file-based one. The whole point of the export route is that you hand over data, not credentials — see portfolio tracking without broker login for why that trade-off is worth making.

My statement is in Dutch and my tool speaks English — problem? Not for a tool that knows DeGiro's format. The column names and booking labels are consistent, which is what a parser actually needs.

From files to answers

The exports contain everything needed to answer the only question that matters: are you beating the market, or would a boring index fund have done better? The files won't tell you by themselves — but they are the complete, honest record from which the answer can be computed.

BullBenchmark reads both files as-is, no editing, no reformatting. Upload them and your full history is rebuilt in seconds, benchmarked against the S&P 500.

The first week of BullBenchmark is free, no card, upload the export you just downloaded and see where you stand.