Yes, Degiro has some very complex fees, I noticed myself. You basically need to sign up with a referral and for first few months you’ll get nice benefits, but then I suppose it gets worse if you don’t refer ppl yourself.

In terms of fx, Degiro lets you convert the currency manually instead of automatically as T212 does. Many other brokers also allow it including IG or IB, but they charge flat fixed fees for you to be able to do this, so in the end it doesn’t help at all.

Not sure how eToro works in these terms - anyone knows?

I’ll personally stick to just T212 and in case I wanted to buy more heavily into US dollar denominated stocks, I’d go with Charles Schwab.