{
  "version": "2026-09-29",
  "methodology": "purchase-cost-bp-v1",
  "checkedAt": "2026-09-29",
  "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"
  ],
  "definitionUrl": "https://www.moneyo.cz/assets/broker-index-20260929/definition.json",
  "license": "https://www.moneyo.cz/podminky-pouziti/#uplnost-informaci",
  "rounding": "Decimal arithmetic; annual outputs rounded half up to 0.01 CZK / 0.01 bp, no per-order rounding. Broker settlement may differ.",
  "rows": [
    {
      "id": "eur-10k--xtb",
      "scenarioId": "eur-10k",
      "scenario": "EUR hotovost, 10 000 Kč měsíčně",
      "broker": "xtb",
      "fxMode": "none",
      "purchaseCzk": 10000,
      "purchases": 12,
      "needsFx": false,
      "annualVolumeCzk": 120000,
      "commissionCzk": 0,
      "fxCzk": 0,
      "modeledCostCzk": 0,
      "indexBp": 0
    },
    {
      "id": "eur-10k--t212",
      "scenarioId": "eur-10k",
      "scenario": "EUR hotovost, 10 000 Kč měsíčně",
      "broker": "t212",
      "fxMode": "none",
      "purchaseCzk": 10000,
      "purchases": 12,
      "needsFx": false,
      "annualVolumeCzk": 120000,
      "commissionCzk": 0,
      "fxCzk": 0,
      "modeledCostCzk": 0,
      "indexBp": 0
    },
    {
      "id": "eur-10k--ibkr",
      "scenarioId": "eur-10k",
      "scenario": "EUR hotovost, 10 000 Kč měsíčně",
      "broker": "ibkr",
      "fxMode": "none",
      "purchaseCzk": 10000,
      "purchases": 12,
      "needsFx": false,
      "annualVolumeCzk": 120000,
      "commissionCzk": 900,
      "fxCzk": 0,
      "modeledCostCzk": 900,
      "indexBp": 75
    },
    {
      "id": "czk-10k--xtb",
      "scenarioId": "czk-10k",
      "scenario": "CZK, 10 000 Kč měsíčně",
      "broker": "xtb",
      "fxMode": "trade-conversion",
      "purchaseCzk": 10000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 120000,
      "commissionCzk": 0,
      "fxCzk": 600,
      "modeledCostCzk": 600,
      "indexBp": 50
    },
    {
      "id": "czk-10k--t212",
      "scenarioId": "czk-10k",
      "scenario": "CZK, 10 000 Kč měsíčně",
      "broker": "t212",
      "fxMode": "manual",
      "purchaseCzk": 10000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 120000,
      "commissionCzk": 0,
      "fxCzk": 180,
      "modeledCostCzk": 180,
      "indexBp": 15
    },
    {
      "id": "czk-10k--ibkr",
      "scenarioId": "czk-10k",
      "scenario": "CZK, 10 000 Kč měsíčně",
      "broker": "ibkr",
      "fxMode": "manual",
      "purchaseCzk": 10000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 120000,
      "commissionCzk": 900,
      "fxCzk": 552,
      "modeledCostCzk": 1452,
      "indexBp": 121
    },
    {
      "id": "czk-100k--xtb",
      "scenarioId": "czk-100k",
      "scenario": "CZK, 100 000 Kč měsíčně",
      "broker": "xtb",
      "fxMode": "trade-conversion",
      "purchaseCzk": 100000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 1200000,
      "commissionCzk": 0,
      "fxCzk": 6000,
      "modeledCostCzk": 6000,
      "indexBp": 50
    },
    {
      "id": "czk-100k--t212",
      "scenarioId": "czk-100k",
      "scenario": "CZK, 100 000 Kč měsíčně",
      "broker": "t212",
      "fxMode": "manual",
      "purchaseCzk": 100000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 1200000,
      "commissionCzk": 0,
      "fxCzk": 1800,
      "modeledCostCzk": 1800,
      "indexBp": 15
    },
    {
      "id": "czk-100k--ibkr",
      "scenarioId": "czk-100k",
      "scenario": "CZK, 100 000 Kč měsíčně",
      "broker": "ibkr",
      "fxMode": "manual",
      "purchaseCzk": 100000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 1200000,
      "commissionCzk": 900,
      "fxCzk": 552,
      "modeledCostCzk": 1452,
      "indexBp": 12.1
    }
  ],
  "supplementalRows": [
    {
      "id": "czk-10k--ibkr--auto",
      "scenarioId": "czk-10k",
      "scenario": "CZK, 10 000 Kč měsíčně",
      "broker": "ibkr",
      "fxMode": "auto",
      "purchaseCzk": 10000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 120000,
      "commissionCzk": 900,
      "fxCzk": 36,
      "modeledCostCzk": 936,
      "indexBp": 78
    },
    {
      "id": "czk-100k--ibkr--auto",
      "scenarioId": "czk-100k",
      "scenario": "CZK, 100 000 Kč měsíčně",
      "broker": "ibkr",
      "fxMode": "auto",
      "purchaseCzk": 100000,
      "purchases": 12,
      "needsFx": true,
      "annualVolumeCzk": 1200000,
      "commissionCzk": 900,
      "fxCzk": 360,
      "modeledCostCzk": 1260,
      "indexBp": 10.5
    }
  ],
  "comparison": {
    "previousVersion": "2026-09-14",
    "status": "arithmetic_model_only",
    "caveat": "Previous edition did not identify legal entities or effective dates. This comparison does not establish unchanged contractual terms.",
    "rows": [
      {
        "id": "eur-10k--xtb",
        "previousCostCzk": 0,
        "currentCostCzk": 0,
        "changeCzk": 0,
        "changeBp": 0
      },
      {
        "id": "eur-10k--t212",
        "previousCostCzk": 0,
        "currentCostCzk": 0,
        "changeCzk": 0,
        "changeBp": 0
      },
      {
        "id": "eur-10k--ibkr",
        "previousCostCzk": 900,
        "currentCostCzk": 900,
        "changeCzk": 0,
        "changeBp": 0
      },
      {
        "id": "czk-10k--xtb",
        "previousCostCzk": 600.0,
        "currentCostCzk": 600,
        "changeCzk": 0,
        "changeBp": 0
      },
      {
        "id": "czk-10k--t212",
        "previousCostCzk": 180.0,
        "currentCostCzk": 180,
        "changeCzk": 0,
        "changeBp": 0
      },
      {
        "id": "czk-10k--ibkr",
        "previousCostCzk": 1452,
        "currentCostCzk": 1452,
        "changeCzk": 0,
        "changeBp": 0
      },
      {
        "id": "czk-100k--xtb",
        "previousCostCzk": 6000.0,
        "currentCostCzk": 6000,
        "changeCzk": 0,
        "changeBp": 0
      },
      {
        "id": "czk-100k--t212",
        "previousCostCzk": 1800.0,
        "currentCostCzk": 1800,
        "changeCzk": 0,
        "changeBp": 0
      },
      {
        "id": "czk-100k--ibkr",
        "previousCostCzk": 1452,
        "currentCostCzk": 1452,
        "changeCzk": 0,
        "changeBp": 0
      }
    ]
  }
}