W przypadku DEGIRO jest to nieco bardziej skomplikowane i rozumiem to tak, że mogą wypożyczyć akcje bez zgody (zapisy w regulaminie podczas zakładania rachunku) i nie dzielą się zyskiem z wypożyczenia jak np. Saxo. Klient ma natomiast konkurencyjne prowizje transakcyjne.
https://curvo.eu/article/degiro-review
Does DEGIRO do securities lending?
The terms that you sign when you open an account include securities lending. Securities lending is a practice where brokers lend your stocks and ETFs to third parties. In return, the third party pays a fee, which the broker usually partially shares with you. The downside is that it exposes you to counterparty risk, in case the borrower defaults and cannot return your asset. So it can be a concern for some investors who prefer to maintain full control over their shares and who don't want to be exposed to counterparty risk.
Despite DEGIRO's terms giving them the option of lending your securities, they claim they don't. But it doesn't exclude that they may in the future.
Note that previously, DEGIRO did not do any securities lending for "Custody" accounts. However, they removed this option in 2021. Nowadays, you have to open a "Basic" account that gives them the option to lend your shares.