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Trading account
Stocks & ETFs
| VIP Status (find out more) | |||
| Classic | Platinum | Apex | |
|---|---|---|---|
| All Markets | 0.1% min 14.95 EUR | ||
| Trade bundle | 50 trades: 795 EUR / 100 trades: 1'495 euros Trade over 25k $/€/Fr: a 0.06% commission applies to the value of your trade over 25'000 EUR or currency equivalent | ||
| VIP trade bundle | From 250'000 to 1m$/€/Fr 4 trades: 1'000 EUR / 20 trades: 4'000 EUR | ||
Trade Bundles are valid 12 months from date of purchase
Mutual Funds
| VIP Status (find out more) | |||
| Classic | Platinum | Apex | |
|---|---|---|---|
| Buy/Sell commission | 0.5% | 0.4% | 0.4% |
| Entry and exit fees* | Free | Free | Free |
| Management fees | Save up to 50% on management fees with our range of 2'800+ clean funds | ||
Minimum fee per transaction: 24.95 EUR
*Please note that some Assets Managers apply entry fees on certain funds or require minimum Investments amount. Please carefully review the fund's regulatory documents before each transaction.
Crypto-Assets
| Transaction amount (EUR or currency equivalent) | Fees (%) |
|---|---|
| 25 - 10'000 | 1% |
| 10'001 - 50'000 | 0.75% |
| 50'001 - 500'000 | 0.5% |
New rate card, effective 1st August 2021
One account. Everything you need for the best investing experience
_
Your account is free if you trade at least once a month, or 15 euro per month when you don’t.
Multi-currency account and easy-to-use platform.
Free real time data across 20+ exchanges.
Premium Morningstar research & innovative tools.
Industry news, technical analysis.
Dividend & corporate action processing.
Other Trading Fees
Additional Phone trading fee: EUR 30.
Orders for OTCBB and Pink Sheet securities are charged 0.50%, with a minimum of USD 50.
Manual and Off-exchange transactions such as special requests, OTC trades, ETP redemptions or ADR conversions are charged EUR 250 + third party fees.
Only one commission is charged when one order requires multiple fills on the same day. If your order requires multiple fills over two or more days, one commission will be charged per day.
Additional exchange fees or taxes levied on transactions will be charged directly to trades when applicable.
UK: 0.5%
France: 0.3%
Germany: Xetra 0.0038% (min EUR 0.60 - max EUR 18)
German regional exchanges:
- Frankfurt Stock Exchange
- Stuttgart Stock Exchange
- Munich Stock Exchange
- Berlin Stock Exchange
- Dusseldorf Stock Exchange
- Hamburg Stock Exhange
- Hannover Stock Exchange
Italy: 0.1%
Spain: 0.2%
Please note, for French and Italian Financial Transaction Tax on applicable purchases will still be charged, even where a position is sold the same day.
Hong-Kong: 0.1% (rounded up to the nearest dollar)
For Singapore, all transactions are subject to a Clearing Fee of 0.0325%.
For Structured Warrants a Clearing Fee of 0.05% is charged (subject to a cap of SGD 200). UK Panel on Takeovers and Mergers (PTM) Levy is a flat charge of GBP 1 on all transactions over GBP 10'000. Irish Takeover Panel (ITP) Levy is a flat charge of EUR 1.25 on all Irish transactions over EUR 12'500.
The following spreads apply to currency exchange and trades settled in a different currency. Applicable spread will apply for each portion of multiple-fill stock trades.
| Trade size (Euro or currency equivalent) | Spread |
|---|---|
| 25'000 | 0.9% |
| 25'000 - 100'000 | 0.75% |
| 100'000 - 500'000 | 0.50% |
| > 500'000 | 0.25% |
Currency conversions from or to ILS, MXN, RUB and TRY will be applied a flat 0.90% spread.
Account Fees
Free if you trade at least once a month, 15 euro per month when you don’t.
Account maintenance fees are charged on a pro-rata basis upon account closure.
Forex and crypto-asset trades do not count as qualifying trades.
Free for VIP Apex clients.
| Limited partnerships (LPs) For custodian segregation and the provision of K1 form(s). The list is available here. | €50 per quarter and per account |
| Segregated Account for restricted securities Where applicable for residents and/or nationals of Singapore, Australia, Finland, Norway and Hong Kong. | €125 per quarter and per account |
| Low-priced Securities e.g. OTC Bulletin Board and Pink Sheet securities, defunct stocks, penny stocks. More information on affected securities available here. The list is available here. | €30 per quarter and per holding |
Free for VIP clients
Incoming transfers and payments
| Charges | Value Dates | |
| Bank Transfer | free* | same day value |
| Non-standard transfers (e.g incomplete sender or beneficiary information) | EUR 50 |
* Swissquote does not charge any fees of its own but any correspondent bank fees shall be borne by the client.
Outgoing transfers and payments
| Charges | Value Dates | |
| Bank transfers in Euros to a country of the Euro-zone (under EUR 50'000) | free* | execution day** |
| Withdrawals not instructed online | EUR 50 + outgoing transfer charges | |
| Other transfers | EUR 10*** | execution day** |
* For payments under EUR 50'000 made to SEPA-Zone countries (member states of the EU, Iceland, Norway, Switzerland, Monaco) with completed beneficiary IBAN and BIC details where fees are shared between the sender and the beneficiary. Otherwise, payment will be charged EUR 10.
** Instructions confirmed before 11 am CET on a weekday will be processed on the same day. Instructions confirmed after this time will be processed the following business day at the latest. Please send your instructions directly via your online account under the "Payments/Transfers" option.
*** Please note that intermediary banks may charge additional fees, which will be outside Swissquote’s control.
Internal transfers
| Charges | Value Dates | |
| Transfers between Swissquote Bank Europe accounts | free | execution day* |
* Transfers between Swissquote accounts may take up to 24 hours to complete.
Securities transfers
| Charges | |
| Receipt of securities from another institution | free (no Swissquote commission) |
| Transfer of securities to another institution | EUR 25 per position |
Please note we do not deliver securities in physical form, and certain transfers may take several weeks to complete.
Corporate Actions: Up to EUR 10
| Statements | Free |
| Corporate actions | Free |
| Dividends | Free |
| Tax Statement | Free |
| Account closure | Free* |
| Corporate actions to a closed account | Up to EUR 10 |
| Ad-hoc certificates | EUR 30 |
| Ad-hoc requests | EUR 80 per hour |
| Money/investments credited to a closed account | up to EUR 10 |
| Corporate Account Fees | EUR 500 per annum |
| Fixed-term loan creation (loan value > 1Mio) | EUR 500 |
*if account balance is less than EUR 10; up to EUR 10.
An account management fee will apply to accounts inactive (no trades or transfers) for 24 months or more.
| Inactivity period | Quarterly fee |
|---|---|
| 24 months | 0.1875% (min. € 100) |
| 36 months | 0.3125% (min. € 200) |
| 60 months | 0.4375% (min. € 300) |
+17% VAT for residents of the EU.
Margin & Interest Rates
| 0% through 30/06/2022* | ||||
|---|---|---|---|---|
| Currency | Benchmark rate Dec 1, 2021 | First 50'000 | Then (BM rate +2.15%) | VIP** Loans 750k+ |
| EUR | 0.000% | 0% | 2.150% | Tailored lending solutions upon request |
| USD | 0.090% | 0% | 2.240% | |
| GBP | 0.076% | 0% | 2.226% | |
* 0% rate on up to 50'000 EUR/USD/GBP of loan applies until 30 June 2022.
** Exclusive benefits for Platinum and/or Apex VIP clients.
For loans over 50'000, a blended rate will apply - for example on a loan balance of 100'000 EUR, the first 50'000 will be charged 0%, and the next 50'000 2.15%, resulting in a blended rate of 1.075%.
| Currency | Benchmark rate Dec 1, 2021 | Effective rate (BM rate +2.15%) |
|---|---|---|
| CAD | 0.192% | 2.342% |
| CHF | 0.000% | 2.150% |
| SEK | 0.000% | 2.150% |
Benchmark rate (BM rate) = monthly average of one-month market indices: Euribor 1 Month ACT/360 (EUR), ICE LIBOR USD 1 Month (USD), ICE LIBOR GBP 1 Month (GBP), Canada Bankers Acceptances 1 Month (CAD), ICE LIBOR CHF 1 Month (CHF), Stockholm Interbank Offered Rates 1 Month (SEK), Association of Banks in Singapore Swap Offer Rate Fixing 1 Month (SGD), HK Assoc of Banks Hong Kong Dollar HIBOR Fixings 1 Month at 11:00am (HKD), AUD 1 Month Deposit (AUD). Debit interest will be charged quarterly in arrears.
| Currency | Interest rate |
|---|---|
| All Currencies | Benchmark rate + 12.99% |
Interest will be charged on debit balances in each sub currency-account. Debit interest will be accrued daily and will be charged to your account on a quarterly basis. Clients are responsible for the management of the different sub currency-account balances.
Benchmark rate = monthly average of one-month market indices: Euribor 1 Month ACT/360 (EUR), ICE LIBOR USD 1 Month (USD), ICE LIBOR GBP 1 Month (GBP), Canada Bankers Acceptances 1 Month (CAD), ICE LIBOR CHF 1 Month (CHF), Stockholm Interbank Offered Rates 1 Month (SEK), Association of Banks in Singapore Swap Offer Rate Fixing 1 Month (SGD), HK Assoc of Banks Hong Kong Dollar HIBOR Fixings 1 Month at 11:00am (HKD), AUD 1 Month Deposit (AUD). Debit interest will be charged quarterly in arrears.
Interest, where applicable, are accrued daily and posted on a quarterly basis.
| Currency | EUR 0-1'000 | EUR 1'001-10'000 | EUR 10'001-50'000 | 50'001+ |
|---|---|---|---|---|
| EUR* | 0.000% | 0.000% | 0.000% | 0.000% |
| USD | 0.000% | 0.000% | 0.000% | 0.000% |
| GBP | 0.000% | 0.000% | 0.000% | 0.000% |
| CAD | 0.000% | 0.000% | 0.000% | 0.000% |
| CHF | -1.25% | -1.25% | -1.25% | -1.25% |
| SEK | -1.25% | -1.25% | -1.25% | -1.25% |
| DKK | -1.25% | -1.25% | -1.25% | -1.25% |
| NOK | 0.000% | 0.000% | 0.000% | 0.000% |
| CZK | 0.000% | 0.000% | 0.000% | 0.000% |
| HUF | 0.000% | 0.000% | 0.000% | 0.000% |
| PLN | 0.000% | 0.000% | 0.000% | 0.000% |
| ILS | 0.000% | 0.000% | 0.000% | 0.000% |
| TRY | 0.000% | 0.000% | 0.000% | 0.000% |
| AED | 0.000% | 0.000% | 0.000% | 0.000% |
| SGD | 0.000% | 0.000% | 0.000% | 0.000% |
| HKD | 0.000% | 0.000% | 0.000% | 0.000% |
| TWD | 0.000% | 0.000% | 0.000% | 0.000% |
| AUD | 0.000% | 0.000% | 0.000% | 0.000% |
| NZD | 0.000% | 0.000% | 0.000% | 0.000% |
| JPY | -1.25% | -1.25% | -1.25% | -1.25% |
* The ECB deposit facility rate will apply on euro balances over EUR 500,000. Following a 12-month period of account inactivity (no stock, ETF or mutual fund trades), the ECB deposit facility rate will apply on euro balances.
From 1 August 2020 – The ECB deposit facility rate minus 0.25% will apply on euro balances over EUR 250,000. Following a 12-month period of account inactivity (no stock, ETF or mutual fund trades), the ECB deposit facility rate minus 0.25% will apply on euro balances.
VIP Program
Qualification for VIP status is tied to the value of your Trading Account and/or your trade volume. Accounts that qualify for a new VIP status are updated within 30-days of meeting requirements. Once acquired, status is good until the 30th of June of the next year.
- Platinum: account value €1m or more (or currency equivalent)
- Apex: account value €5m or more and/or 12-month trade volume €25m+
You’ve traded €25m or more in stocks, ETFs, mutual funds, currencies and cryptocurrencies with Swissquote Bank Europe over a 12-month period
Yes. Status is earned through the 30th of June of the following year. Your account must continue to meet qualification requirements for your status to be renewed.
Your VIP status and benefits apply to one Trading Account at a time.
As a VIP client, you will benefit from priority service when you call or email us.
If you qualify for Apex, you will also receive personalised support from our Client Ambassador team.
Please make sure you call or email us from the phone number or email address that is registered on your account.
You don’t need to do anything. Once your account qualifies for VIP, you will be notified within 30-days and your VIP benefits will automatically apply to your account.
Please make sure you call or email us from the phone number or email address that is registered on your account.
Our VIP trade bundles are designed for investors that trade in larger sizes (from 250k to 1m $/€/Fr). You must call or email us to purchase a bundle of 4 or 20 large trades. Large trade bundles expire 12 months after purchase and are not renewed automatically.
Once the VIP trade bundle is active on your account, our standard rate of commission will continue to be charged on each trade, but you will be refunded at the end of each month to account for the lower cost of trading with a bundle.
Yes, you can. If you have a standard and a large trade bundle at the same time, trades under 250’000 $/€/Fr will be deducted from your standard trade bundle, and trades 250’000 $/€/Fr and larger will be deducted from your large trade bundle.
You will be charged standard commissions when settling your trades, but will be refunded at the end of each month to account for the lower cost of trading with your bundles.
A Junior Smart Portfolio is simply a Smart Portfolio on preferential terms for your children. Note that you will be the beneficial owner of the account as Swissquote Bank Europe does not currently support accounts for minors.