{
  "checked": "2026-10-22",
  "kind": "hypothetical_cost_model",
  "currency": "CZK",
  "usdCzk": 20.9,
  "months": 12,
  "rows": [
    {
      "label": "Akcie: 1 000 Kč měsíčně",
      "invested": 12000,
      "orders": 12,
      "stock": true,
      "etoro": 846.0999999999999,
      "xtb": 120
    },
    {
      "label": "ETF: 5 000 Kč měsíčně",
      "invested": 60000,
      "orders": 12,
      "stock": false,
      "etoro": 1304.5,
      "xtb": 600
    },
    {
      "label": "Akcie: 20 000 Kč jednou",
      "invested": 20000,
      "orders": 1,
      "stock": true,
      "etoro": 546.3,
      "xtb": 200
    }
  ],
  "scaleMaximumCzk": 1400,
  "dimensions": {
    "desktop": [
      900,
      700
    ],
    "mobile": [
      420,
      950
    ]
  },
  "alt": "Model vybraných nákladů za 12 měsíců včetně prodeje a návratu do Kč. Akcie 1 000 Kč měsíčně: eToro 846,10 Kč a XTB 120 Kč. ETF 5 000 Kč měsíčně: eToro 1 304,50 Kč a XTB 600 Kč. Akcie 20 000 Kč jednou: eToro 546,30 Kč a XTB 200 Kč. Jde o konkrétní ruční pokyny a platební trasy, ne celkové náklady každého účtu.",
  "formulas": {
    "etoro": "2 × number of stock positions × 1 USD × 20.90 + invested × (1% entry FX + model 1% exit FX) + one 5 USD withdrawal; ETF stock commission is zero",
    "xtb": "invested × (0.5% entry FX + 0.5% exit FX); turnover below EUR100000 monthly, bank deposit and broker withdrawal zero"
  },
  "assumptions": [
    "New manual underlying US stocks or USD ETF, Czech retail residence, no leverage",
    "Stable market value and FX rate; fees paid separately from purchase value",
    "eToro stock commission verified in Czech country selector on 22 October in preceding review audit",
    "Purchase budget split across four CZK3000 card deposits; a separate cash reserve pays fees. This is a selected-component cost model, not a full account cash-flow simulation; any additional FX on that reserve is excluded.",
    "No recurring-investment or Club discounts; one model exit after 12 months is not a recommended holding period"
  ],
  "exclusions": [
    "Market spread",
    "Bank and intermediary costs",
    "ETF TER",
    "Taxes and exchange/regulatory charges including applicable SEC fees",
    "Investment returns and FX movements"
  ],
  "sources": [
    {
      "url": "https://www.etoro.com/trading/fees/",
      "checked": "2026-10-22"
    },
    {
      "url": "https://www.etoro.com/trading/fees/conversion/",
      "checked": "2026-10-22"
    },
    {
      "url": "https://www.xtb.com/cz/soubory/tabulkapoplatkuaprovizi30092026.pdf",
      "effective": "2026-09-30",
      "checked": "2026-10-22"
    },
    {
      "url": "https://www.xtb.com/cz/help-center/platby-a-poplatky-3/vyber-prostredku-z-obchodniho-uctu",
      "checked": "2026-10-22"
    }
  ],
  "generator": "tools/generate-etoro-comparison-20261022.mjs"
}