On the Fixed pricing plan, ETF and stock trades on the main euro markets (including Germany, the Netherlands, France, Italy and Spain) cost 0.05% of trade value with a €3 minimum, so €3 up to €6,000 and €5 on a €10,000 trade. ETFs on Euronext Paris, Amsterdam and Brussels add a €0.75 per-execution exchange fee, even on Fixed. Some markets cost more: Portugal has a €6 minimum, the Baltics €10, Romania 0.28% and Slovenia 0.35%. FX costs 0.03% on automatic conversion, or 0.002% on a manual conversion with a USD 2 minimum per order. There is no custody fee, no inactivity fee and no minimum deposit. Two withdrawal requests per calendar month are free; after the second, SEPA withdrawals cost €1 each.

Fixed pricing charges one commission per trade (0.05%, €3 minimum on the main euro markets) with exchange, clearing and regulatory fees bundled in, except a €0.75 per-execution exchange fee on ETFs traded on Euronext Paris, Amsterdam and Brussels. Tiered pricing uses the same 0.05% rate with a lower €1.25 minimum, but itemises exchange, clearing and regulatory fees on top: about €2.40 all-in on a small Xetra order. On Xetra, Tiered is cheaper up to roughly €3,700 per order and Fixed is cheaper above that. Tiered is not offered for trades on Spanish, Czech, Romanian or Slovenian exchanges. IBKR also states that pass-through fees on Tiered may exceed what it pays the exchange, clearing house or regulator, because it may receive volume discounts it does not pass on.

Yes, with two conditions. IBKR pays no interest on the first €10,000 of EUR cash, so with €15,000 uninvested, interest accrues on €5,000 only. And the full rate is paid only at a net asset value of USD 100,000 or more; below that, the rate is reduced in proportion to the size of the account. The rate moves with IBKR’s benchmark rate, and the current figure is published on IBKR’s interest rate page.

Partly. IBKR states that it withholds, remits and reports income to tax authorities where the law requires it, and that your declared tax residency decides where it reports and whether, and at what rate, it withholds. It provides an annual tax statement in Client Portal, and withholding tax vouchers are requested there too. IBKR Ireland also offers PEA accounts for French tax residents, ISK accounts for Swedish tax residents and TBSZ accounts for Hungarian tax residents. What IBKR withholds, and what you still have to declare yourself, depends on your country, so confirm your local rules before opening.

All EU and EEA clients are onboarded to Interactive Brokers Ireland Limited, regulated by the Central Bank of Ireland. Its investor compensation scheme covers 90% of losses up to €20,000 per investor, for private individuals only, and only if the broker fails. UK and Swiss clients are served by Interactive Brokers (U.K.) Limited, regulated by the FCA, where IBKR states that FSCS cover applies only in limited circumstances. For UK and Swiss clients, SIPC cover of up to $500,000 ($250,000 cash) applies only to the extent assets are custodied at Interactive Brokers LLC. Check which entity holds your account in the account portal.

No. IBKR’s account minimum is zero for individual and joint accounts, so you can fund with any amount. Cash interest is only paid on EUR balances above €10,000, so that threshold matters only if earning interest on idle cash is part of your plan; it plays no role in opening the account.

Partially. IBKR’s Recurring Investments feature schedules automatic purchases of US, Canadian and European stocks and ETFs on a daily, weekly or monthly basis, using fractional shares. Only stocks and ETFs that IBKR offers in fractions are eligible, so each UCITS ETF has to be checked.

It is not a direct equivalent to Trade Republic’s savings plans or Trading 212’s AutoInvest: IBKR states that standard commissions apply to each recurring purchase. For commission-free automated ETF contributions at smaller portfolio sizes, Trade Republic or Trading 212 are the cleaner fit. IBKR becomes the stronger choice once FX costs, multi-currency control and account breadth start to matter.

Yes, via IBKR’s Family Account structure. A Head of Family, who must be a natural person and not an advisor, can manage the accounts of up to 5 other family members and a maximum of 15 sub-accounts (individual, joint, custodial for minors, or trust) for free under a single login. Each sub-account keeps its own cash balance, positions, and tax statement; internal transfers between linked accounts are free and instant.

This is an administrative feature for household or multi-generational portfolios, distinct from IBKR’s professional advisor account structures: the Head of Family cannot charge fees for managing other family members’ accounts.

IBKR is an S&P 500 member (since August 2025), publicly traded on NASDAQ (ticker IBKR), with $22.3B in equity capital at the end of Q2 2026 and 73.5% held by employees and affiliates. Client assets are held separately from broker capital under regulation. All EU and EEA investors are onboarded to Interactive Brokers Ireland Limited, regulated by the Central Bank of Ireland, with investor compensation covering 90% of losses up to €20,000 for private individuals if the broker fails. UK and Swiss clients are served by Interactive Brokers (U.K.) Limited (FCA), where IBKR states that FSCS cover applies only in limited circumstances; SIPC cover of up to $500,000 applies only to the extent assets are custodied at Interactive Brokers LLC. None of these schemes covers market losses: if your ETFs fall 30%, no compensation applies.