Fees & Charges

Transparent pricing for all EuroFiducia services

Last updated: January 2024 · No hidden fees
Our promise: All fees are disclosed upfront. No hidden charges, no surprise deductions. Every fee is visible in your dashboard and on your transaction receipts.

1. Account Fees

ServiceFee
Account openingFree
Account maintenanceFree
Inactivity (12+ months)€0
KYC verificationFree

2. Portfolio Management Fees (Annual)

PortfolioManagement Fee
FR Conservative0.45% p.a.
FR Balanced0.85% p.a.
FR Growth1.25% p.a.
IT Conservative0.45% p.a.
IT Balanced0.85% p.a.
IT Growth1.25% p.a.
Euro Growth1.05% p.a.
Global Growth1.45% p.a.

Management fees are calculated daily on portfolio value and deducted monthly from the portfolio. They are fully transparent and shown in your dashboard.

3. Transaction Fees

Transaction TypeFee
SEPA depositFree
Card deposit1.5% (min €2)
Open Banking depositFree
SEPA withdrawalFree (first 3/month)
Additional withdrawals€2 each
Urgent withdrawal€15

4. Product Fees

Product CategoryFee Range
Stocks (EU)0.10% – 0.25%
Stocks (Global)0.15% – 0.35%
ETFs0.05% – 0.20%
Bonds (OAT/BTP)0.10% – 0.20%
SCPI Real EstateEntry: 8–12% · Mgmt: 1–1.5%
Sustainable/ESG0.15% – 0.30%
Private EquityEntry: 2% · Carry: 20% above hurdle
Commodities0.20% – 0.40%
Cryptoassets1.0% – 2.0%
PER / Retirement0.50% – 1.0%
Livret A / LDDSFree (regulated)

5. Currency Conversion

For transactions in non-EUR currencies, a conversion fee of 0.25% is applied to the exchange rate. Currency hedging is available for Global Growth portfolio investors at no additional cost.

6. Custody Fees

Portfolio ValueCustody Fee
€0 – €50,0000.10% p.a.
€50,001 – €250,0000.08% p.a.
€250,001+0.05% p.a.

7. Fee Transparency

All fees are:

8. Fee Changes

We may revise our fee schedule with 30 days' notice via email and dashboard message. Existing investments continue at their original fee structure until maturity or sale.

EuroFiducia SAS · Transparent Fee Structure · AMF/CONSOB compliant