DEGIRO
PIT-38 from DEGIRO: two formats and details buried in the description
DEGIRO exports in two different ways, and in the newer one the key figures — quantity and price — have no columns of their own. Below is exactly what our engine reads.
Where to get the files
- Open Account Overview and set the range to the whole tax year.
- Download the CSV export.
- On the older layout download BOTH files: transactions and account overview — dividends live only in the second.
- If you sold something bought earlier, download those years too.
What is inside
- New layout — one file
- Account overview holds it all: trades, dividends, taxes, FX and fees.
- Old layout — two files
- Transactions separately, account overview separately. Dividends are absent from the transaction file, so a return built from one file is incomplete.
- Details inside the description field
- In the new layout quantity and price have no columns — they sit inside the description text and must be extracted from it.
- Rows tied by order id
- The trade, its currency conversion and its fee are three separate rows sharing one order id. Apart they mean nothing.
- Separator depends on region
- Semicolon or comma, per account settings.
Where it goes wrong
- One file from the old layout
- The commonest mistake: exporting only transactions. Dividends and withholding stay in the other file, so section G comes out empty and the tax understated.
- FX rows taken for trades
- Currency conversion rows look like account operations but are neither income nor cost. Counted separately they inflate turnover.
- Connectivity fees split across rows
- Exchange access fees are often recorded independently of the trade they belong to. Without the order id they land on the wrong cost.
What we compute from it
- Shares and ETFs — section C/D
- FIFO per account, art. 30b ust. 7.
- Dividends — section G
- With withholding credited, art. 30a ust. 9.
- Conversion to złoty
- NBP rate from the day before income is realised, art. 11a ust. 1.
Run this once
claude mcp add --transport http taxroam https://taxroam.com/mcp --header "Authorization: Bearer $TAXROAM_KEY"Where this export usually goes wrong
- US dividends
- No W-8BEN, so 30 percent instead of 15
- PIT/ZG
- The attachment never filed
- FIFO per account
- One shared pile across all accounts
Questions about DEGIRO
Which file is the right one?
Send every file you have for that year. We detect the layout ourselves and discard extra rows — missing ones cannot be invented.
Is the exchange connectivity fee a tax cost?
Fees tied to acquiring and disposing of a security are part of the cost. Flat market access fees are not a cost of any particular trade.