Exporting a DEGIRO CSV: how-to and why it's error-prone

You export your DEGIRO transactions as a CSV via Inbox → Account Statement, but the file always uses Dutch notation (dates as dd-MM-yyyy, a comma as the decimal separator) and still requires you to correctly process partial sales (FIFO), stock splits and currency effects to arrive at an accurate return.

How to export your transactions

DEGIRO doesn’t offer a standalone “export as CSV” button on your portfolio page — the export runs through your Account Statement:

1. Go to Inbox → Account Statement.
2. Choose a start date that’s before your very first deposit or transaction, so you don’t miss anything.
3. Click the export button and choose CSV (alongside Excel and PDF).

The file contains, per line: date, instrument, quantity, price, costs and total amount. Note: DEGIRO always exports in Dutch notation — dates as dd-MM-yyyy and numbers with a comma as the decimal separator — even if your interface is set to English. Tools that don’t account for this sometimes misread amounts.

Why a CSV alone isn’t a return yet

A CSV export is a list of raw transactions. To turn that into an accurate return, dividend overview or cost analysis, you (or the tool you use) need to correctly interpret several things that aren’t explicit in the raw data:

• Partial sales. If you sell half a position, it has to be determined against which purchase price that sold half is written off (for example FIFO — first in, first out). Get this wrong and your realised gain/loss won’t be correct.
• Stock splits. A stock split changes the number of shares and the price per share, without a “buy” or “sell” appearing in the transaction history. Fail to process this and it looks as if your position suddenly crashed or spiked in value. We’ve seen spreadsheets where a stock split made the return on paper suddenly look like -50%, purely because the new post-split price wasn’t recognised.
• Corporate actions and ticker changes. After a takeover or a name change, the CSV sometimes shows what looks like a new “purchase,” when it’s really just your existing position that switched instruments. Treat it as a genuine new purchase and your average purchase price will no longer be correct.
• Currency effects. Buy a US stock, and both the share’s own price movement and the EUR/USD exchange rate play a role in your return in euros. You need to be able to separate the two to understand where your return is actually coming from. Two movements, one number. That’s the problem.
• Deposits versus return. A deposit is not a return, but in a simple addition of “money in” and “portfolio value” that distinction can get blurred — especially with regular top-ups.

Did you end up at DEGIRO through the 2020 takeover of BinckBank’s retail arm? Then your CSV export sometimes misses transaction history from before that switch — a quirk that specifically affects this group of investors, and one you’ll only notice if you explicitly check the start date of your own data.

None of these points are exotic — they’re perfectly normal events in an active portfolio. But each one is a place where a manual spreadsheet, or a tool that reads the CSV too literally, can make a mistake that then goes unnoticed because the end result still looks “reasonable.” Want to know how to turn this raw data into an accurate return, or how to correctly filter out your dividend payments? That same CSV is also the basis for your annual statement for your tax return. If you live in the Netherlands, those year-end figures feed into the Dutch Box 3 tax on investing, which is based on a deemed return in Box 3; a compound interest simulator with Box 3 shows what that tax does to your long-term growth.

Want to load your export into Portfolio Performance? ClearAnalyser vs Portfolio Performance lists the import steps.

The alternative: no export, no intermediate step

A CSV export is by definition a snapshot: you have to download and reprocess it again every time something changes. A tool that reads directly from your DEGIRO environment doesn’t need that step — and therefore never works from an outdated file either. Why keep doing that by hand? Which tools need an export and which don’t is shown in the comparison of DEGIRO portfolio trackers.

How ClearAnalyser solves this

ClearAnalyser reads your transactions, splits, dividends and currency conversions directly and live from the DEGIRO webtrader, and processes stock splits, partial sales and currency effects automatically in the background. No export, no upload, no risk of working from an outdated or incorrectly parsed file.

Sources: DEGIRO