{
  "version": "2026-09-14",
  "license": "https://www.moneyo.cz/podminky-pouziti/#uplnost-informaci",
  "currency": "CZK",
  "modelRates": {
    "EUR": 25,
    "USD": 23
  },
  "scope": "Roční součet provizí za nákupy a explicitní měnové konverze. Reálné nepákové akcie nebo UCITS ETF obchodované v EUR; celé kusy, bez speciální transakční daně. Německo, IBKR Fixed SmartRouting. Nejde o všechny náklady vlastnictví.",
  "excluded": [
    "tržní spread a skluz",
    "TER/OCF a náklady uvnitř fondu",
    "prodej a výběr",
    "externí banka a vklady",
    "daně",
    "úschova a zvláštní služby",
    "pohyb ceny a měnového kurzu",
    "individuální slevy"
  ],
  "sources": {
    "xtb": "https://www.xtb.com/cz/ucet-a-poplatky",
    "t212": "https://helpcentre.trading212.com/hc/en-us/articles/11471996799517-What-are-the-fees-in-the-Invest-ISAs-and-SIPP",
    "ibkr": "https://www.interactivebrokers.com/en/pricing/commissions-stocks.php",
    "fx": "https://brokerage.ibkr.com/en/pricing/commissions-spot-currencies.php?re=europe",
    "patria": "https://cdn.patria.cz/Sazebnik-PD.pdf",
    "fio": "https://www.fio.cz/docs/cz/C_zaklad.pdf",
    "etoro": "https://www.etoro.com/cs-cz/trading/fees/"
  },
  "inputs": {
    "xtb": {
      "commissionRate": 0,
      "fxRate": 0.005,
      "monthlyFreeTurnoverEur": 100000
    },
    "t212": {
      "commissionRate": 0,
      "fxRate": 0.0015
    },
    "ibkr": {
      "commissionRate": 0.0005,
      "minimumEur": 3,
      "manualFxRate": 2e-05,
      "manualFxMinimumUsd": 2
    }
  },
  "rows": [
    {
      "scenario": "EUR hotovost, 10 000 Kč měsíčně",
      "broker": "xtb",
      "purchaseCzk": 10000,
      "purchases": 12,
      "needsFx": false,
      "annualVolumeCzk": 120000,
      "commissionCzk": 0,
      "fxCzk": 0,
      "modeledCostCzk": 0,
      "indexBp": 0.0
    },
    {
      "scenario": "EUR hotovost, 10 000 Kč měsíčně",
      "broker": "t212",
      "purchaseCzk": 10000,
      "purchases": 12,
      "needsFx": false,
      "annualVolumeCzk": 120000,
      "commissionCzk": 0,
      "fxCzk": 0,
      "modeledCostCzk": 0,
      "indexBp": 0.0
    },
    {
      "scenario": "EUR hotovost, 10 000 Kč měsíčně",
      "broker": "ibkr",
      "purchaseCzk": 10000,
      "purchases": 12,
      "needsFx": false,
      "annualVolumeCzk": 120000,
      "commissionCzk": 900,
      "fxCzk": 0,
      "modeledCostCzk": 900,
      "indexBp": 75.0
    },
    {
      "scenario": "CZK, 10 000 Kč měsíčně",
      "broker": "xtb",
      "purchaseCzk": 10000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 120000,
      "commissionCzk": 0,
      "fxCzk": 600.0,
      "modeledCostCzk": 600.0,
      "indexBp": 50.0
    },
    {
      "scenario": "CZK, 10 000 Kč měsíčně",
      "broker": "t212",
      "purchaseCzk": 10000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 120000,
      "commissionCzk": 0,
      "fxCzk": 180.0,
      "modeledCostCzk": 180.0,
      "indexBp": 15.0
    },
    {
      "scenario": "CZK, 10 000 Kč měsíčně",
      "broker": "ibkr",
      "purchaseCzk": 10000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 120000,
      "commissionCzk": 900,
      "fxCzk": 552,
      "modeledCostCzk": 1452,
      "indexBp": 121.0
    },
    {
      "scenario": "CZK, 100 000 Kč měsíčně",
      "broker": "xtb",
      "purchaseCzk": 100000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 1200000,
      "commissionCzk": 0,
      "fxCzk": 6000.0,
      "modeledCostCzk": 6000.0,
      "indexBp": 50.0
    },
    {
      "scenario": "CZK, 100 000 Kč měsíčně",
      "broker": "t212",
      "purchaseCzk": 100000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 1200000,
      "commissionCzk": 0,
      "fxCzk": 1800.0,
      "modeledCostCzk": 1800.0,
      "indexBp": 15.0
    },
    {
      "scenario": "CZK, 100 000 Kč měsíčně",
      "broker": "ibkr",
      "purchaseCzk": 100000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 1200000,
      "commissionCzk": 900,
      "fxCzk": 552,
      "modeledCostCzk": 1452,
      "indexBp": 12.1
    }
  ]
}