{
  "version": "2026-09-09",
  "reviewUrl": "/etoro/#poplatky",
  "scope": "Český osobní účet; standardní sazby bez individuálních Club slev. Rozhoduje aktuální pokyn a smlouva.",
  "sources": {
    "fees": "https://www.etoro.com/trading/fees/",
    "conversion": "https://www.etoro.com/trading/fees/conversion/",
    "deposit": "https://www.etoro.com/customer-service/deposit-faq/",
    "firstDeposit": "https://www.etoro.com/cs-cz/",
    "copy": "https://www.etoro.com/copytrader/",
    "club": "https://www.etoro.com/about/club/",
    "xtb": "https://www.xtb.com/cz/ucet-a-poplatky"
  },
  "stockCommissionUsd": {
    "standard": 1,
    "selectedExchanges": 2
  },
  "selectedExchanges": [
    "Australia",
    "Hong Kong",
    "Dubai",
    "Abu Dhabi",
    "Tokyo"
  ],
  "stockCommissionEffective": "2025-03-02",
  "etfCommission": 0,
  "recurringStockOpeningCommission": 0,
  "conversionRates": {
    "czkCardOrWireToUsd": 0.01,
    "eurLocalToUsd": 0.0075
  },
  "usdWithdrawal": {
    "fee": 5,
    "minimum": 30
  },
  "localWithdrawal": {
    "fee": 0,
    "minimum": null,
    "minimumNote": "Sazebník neuvádí minimum pro výběr z místního účtu."
  },
  "minimumsUsd": {
    "firstDepositCz": 50,
    "subsequentDeposit": 50,
    "wireDeposit": 500,
    "copyInvestor": 200,
    "copiedPosition": 1,
    "manualOrder": null
  },
  "inactivityFee": 0,
  "cryptoManualBaseRate": 0.01,
  "stockEtfCfdRate": 0.0015,
  "lowPriceUsCfd": {
    "priceLimitUsd": 3,
    "feePerUnitUsd": 0.02
  },
  "clubTierBalanceUsd": {
    "Silver": 5000,
    "Gold": 10000,
    "Platinum": 25000,
    "PlatinumPlus": 50000,
    "Diamond": 250000
  },
  "xtbComparison": {
    "monthlyFreeTurnoverEur": 100000,
    "fxRate": 0.005,
    "czkCardDepositRate": 0.0077,
    "czkWireDepositRate": 0
  },
  "verification": {
    "date": "2026-09-09",
    "countrySelection": "Czech Republic selected in official stock fee table: $2 / $1 / 2/3/2025.",
    "firstDeposit": "50 USD on Czech landing page; help centre detail requires account/method confirmation.",
    "manualOrder": "Minimum varies with product and instrument; no universal verified value is assumed.",
    "recurringFx": "Main fee page advertises deposit FX exemption; detailed conversion page scopes eligibility differently. Not included as a universal discount; enter confirmed rate explicitly.",
    "club": "Thresholds verified on global page. Local subscription availability and individual discounts must be checked in account.",
    "unknownCosts": [
      "externí bankovní poplatky",
      "tržní spread",
      "TER konkrétního ETF",
      "daň",
      "budoucí cena při prodeji"
    ]
  },
  "rules": [
    {
      "id": "stock-manual",
      "product": "stock",
      "country": "CZ",
      "account": "USD or eligible local",
      "method": "manual",
      "exchange": "standard or listed exceptions",
      "unit": "USD per opening and closing position",
      "source": "fees",
      "effective": "2025-03-02",
      "exception": "Positions opened before implementation: no closing commission.",
      "currency": "USD unless the rate is a percentage or local account is specified",
      "verified": "2026-09-09",
      "valueKeys": [
        "stockCommissionUsd"
      ],
      "sourceUrl": "https://www.etoro.com/trading/fees/"
    },
    {
      "id": "stock-recurring",
      "product": "stock",
      "method": "recurring",
      "unit": "USD per position",
      "source": "fees",
      "exception": "No opening commission; closing commission may apply. FX discount not assumed.",
      "country": "CZ; global source only where identified",
      "account": "personal retail, eligible product",
      "exchange": "instrument dependent",
      "currency": "USD unless the rate is a percentage or local account is specified",
      "effective": null,
      "verified": "2026-09-09",
      "valueKeys": [
        "recurringStockOpeningCommission",
        "stockCommissionUsd"
      ],
      "sourceUrl": "https://www.etoro.com/trading/fees/"
    },
    {
      "id": "etf-real",
      "product": "underlying ETF",
      "method": "manual or recurring",
      "unit": "zero trading commission",
      "source": "fees",
      "exception": "CFD, market spread, TER and conversion are separate.",
      "country": "CZ; global source only where identified",
      "account": "personal retail, eligible product",
      "exchange": "instrument dependent",
      "currency": "USD unless the rate is a percentage or local account is specified",
      "effective": null,
      "verified": "2026-09-09",
      "valueKeys": [
        "etfCommission"
      ],
      "sourceUrl": "https://www.etoro.com/trading/fees/"
    },
    {
      "id": "fx-czk",
      "product": "funding",
      "country": "CZ",
      "account": "USD",
      "method": "CZK card or wire",
      "unit": "percent",
      "source": "conversion",
      "exception": "Wallets/online banking: 3300 pips, not modeled as percent; availability and Club vary.",
      "exchange": "instrument dependent",
      "currency": "USD unless the rate is a percentage or local account is specified",
      "effective": null,
      "verified": "2026-09-09",
      "valueKeys": [
        "conversionRates.czkCardOrWireToUsd"
      ],
      "sourceUrl": "https://www.etoro.com/trading/fees/conversion/"
    },
    {
      "id": "fx-eur",
      "product": "funding",
      "account": "eligible EUR local to USD",
      "method": "local account transfer",
      "unit": "percent",
      "source": "conversion",
      "exception": "External CZK to EUR exchange is separate.",
      "country": "CZ; global source only where identified",
      "exchange": "instrument dependent",
      "currency": "USD unless the rate is a percentage or local account is specified",
      "effective": null,
      "verified": "2026-09-09",
      "valueKeys": [
        "conversionRates.eurLocalToUsd"
      ],
      "sourceUrl": "https://www.etoro.com/trading/fees/conversion/"
    },
    {
      "id": "withdrawal",
      "product": "cash",
      "account": "USD/local",
      "method": "external account",
      "unit": "USD or free local withdrawal",
      "source": "fees",
      "exception": "Club may exempt USD fee; banks may charge additional costs.",
      "country": "CZ; global source only where identified",
      "exchange": "instrument dependent",
      "currency": "USD unless the rate is a percentage or local account is specified",
      "effective": null,
      "verified": "2026-09-09",
      "valueKeys": [
        "usdWithdrawal",
        "localWithdrawal"
      ],
      "sourceUrl": "https://www.etoro.com/trading/fees/"
    },
    {
      "id": "deposit-limits",
      "product": "cash",
      "country": "CZ",
      "account": "personal",
      "method": "card/wire",
      "unit": "USD equivalent",
      "source": "deposit",
      "exception": "First deposit country specific. Local account funding may differ. Confirm in account.",
      "exchange": "instrument dependent",
      "currency": "USD unless the rate is a percentage or local account is specified",
      "effective": null,
      "verified": "2026-09-09",
      "valueKeys": [
        "minimumsUsd"
      ],
      "sourceUrl": "https://www.etoro.com/customer-service/deposit-faq/"
    },
    {
      "id": "copy",
      "product": "CopyTrader",
      "method": "copy",
      "unit": "USD minimum",
      "source": "copy",
      "exception": "No extra service fee; underlying costs still apply, stock commission exemption applies.",
      "country": "CZ; global source only where identified",
      "account": "personal retail, eligible product",
      "exchange": "instrument dependent",
      "currency": "USD unless the rate is a percentage or local account is specified",
      "effective": null,
      "verified": "2026-09-09",
      "valueKeys": [
        "minimumsUsd.copyInvestor",
        "minimumsUsd.copiedPosition"
      ],
      "sourceUrl": "https://www.etoro.com/copytrader/"
    },
    {
      "id": "cfd",
      "product": "stock/ETF CFD",
      "method": "open/close",
      "unit": "percent of position value",
      "source": "fees",
      "exception": "US stocks/ETF priced up to 3 USD: 0.02 USD per unit; overnight charges separate.",
      "country": "CZ; global source only where identified",
      "account": "personal retail, eligible product",
      "exchange": "instrument dependent",
      "currency": "USD unless the rate is a percentage or local account is specified",
      "effective": null,
      "verified": "2026-09-09",
      "valueKeys": [
        "stockEtfCfdRate",
        "lowPriceUsCfd"
      ],
      "sourceUrl": "https://www.etoro.com/trading/fees/"
    },
    {
      "id": "club",
      "product": "membership",
      "method": "tier or eligible subscription",
      "unit": "USD tier balance",
      "source": "club",
      "exception": "Do not infer local availability or all benefits from global offer.",
      "country": "CZ; global source only where identified",
      "account": "personal retail, eligible product",
      "exchange": "instrument dependent",
      "currency": "USD unless the rate is a percentage or local account is specified",
      "effective": null,
      "verified": "2026-09-09",
      "valueKeys": [
        "clubTierBalanceUsd"
      ],
      "sourceUrl": "https://www.etoro.com/about/club/"
    },
    {
      "id": "minimum-order",
      "product": "underlying stock/ETF",
      "country": "CZ",
      "account": "personal retail",
      "method": "manual",
      "exchange": "instrument dependent",
      "currency": "order currency",
      "rate": null,
      "effective": null,
      "verified": "2026-09-09",
      "sourceUrl": "https://www.etoro.com/trading/fees/",
      "exception": "No universal amount verified. Read the actual order window; do not substitute the deposit minimum."
    },
    {
      "id": "first-deposit-cz",
      "product": "funding",
      "country": "CZ",
      "account": "personal",
      "method": "eligible methods, higher wire minimum overrides",
      "exchange": null,
      "currency": "USD equivalent",
      "valueKeys": [
        "minimumsUsd.firstDepositCz"
      ],
      "effective": null,
      "verified": "2026-09-09",
      "sourceUrl": "https://www.etoro.com/cs-cz/",
      "exception": "Confirm account and payment method."
    }
  ],
  "etfExample": {
    "name": "iShares Core S&P 500 UCITS ETF USD (Acc)",
    "isin": "IE00B5BMR087",
    "ticker": "CSPX.L",
    "quoteCurrency": "USD",
    "terRate": 0.0007,
    "verified": "2026-09-11",
    "source": "https://www.ishares.com/uk/individual/en/products/253743/ishares-sp-500-b-ucits-etf-acc-fund/",
    "listingSource": "https://www.etoro.com/markets/cspx.l",
    "limitation": "Public listing is not proof of eligibility or underlying execution for every Czech account."
  },
  "accountChecks20260911": {
    "date": "2026-09-11",
    "scope": "Existing CZ personal account; payment forms only, no payment submitted.",
    "paymentMethods": [
      "EUR Account",
      "Credit/Debit Card",
      "Bank Transfer",
      "PayPal"
    ],
    "cardCurrencyObserved": "CZK",
    "subsequentCardMinimumUsd": 50,
    "displayedCzkEquivalent": 1056,
    "displayedCzkEquivalentIsFixed": false,
    "etfOrderPreview": "CSPX.L, Buy, X1, USD 25; not submitted, not a universal eligibility assertion.",
    "demoTest": "Virtual Portfolio Demo only: CSPX.L USD25 order, opened position inspected, then Close Trade, Pending Close, and empty portfolio confirmed. Displayed USD18.50 value / inconsistent overview and detail P/L not interpreted as a real fee."
  },
  "cryptoTransfer": {
    "rate": 0.02,
    "minimumUsd": 1,
    "maximumUsd": 100,
    "verified": "2026-09-11",
    "source": "https://www.etoro.com/crypto/coin-transfer/",
    "scope": "Eligible transfer from trading platform; charged in crypto units. Blockchain fee additional. Account, asset, network and minima must be verified."
  },
  "qualityReview20260911": {
    "date": "2026-09-11",
    "scope": "First five guides; no numeric rate changed.",
    "recurringFx": "Main fee page waives FX on deposits triggered by recurring investments; recurring and conversion detail pages still state an expiry of 2026-03-31. On 2026-09-11 the real-account CSPX.L recurring amount preview displayed Zero deposit conversion fees; its tooltip says limited time without an end date. This confirms the displayed offer, not a charged fee or all 12 future payments. Retain conditional annual scenarios.",
    "recurringAccountCheck": {
      "date": "2026-09-11",
      "mode": "Main Account Real; preview only",
      "instrument": "CSPX.L",
      "path": "Asset page > Get Started > Set Up > Set amount > Next > Pick payment method > close",
      "enteredCzk": 1000,
      "displayedMinimumCzk": 529,
      "displayedMinimumUsd": 25,
      "displayedSchedule": "Monthly, 1st",
      "displayedConversionFee": "Zero deposit conversion fees; limited-time offer in tooltip with no end date",
      "paymentChoices": [
        "USD balance",
        "Add New Card"
      ],
      "documentationDifference": "Recurring FAQ still says USD balance funding coming soon. Only visibility of the choice was checked; funding was not tested.",
      "planCreated": false,
      "paymentSubmitted": false,
      "newCardAdded": false,
      "screenshots": [
        "/images/etoro-20260911/recurring-cspx-nahled.png",
        "/images/etoro-20260911/recurring-konverze-podminky.png"
      ]
    },
    "wireScope": "500 USD Bank Transfer minimum must not be generalized to all local EUR/SEPA funding. Local account minimum not verified.",
    "euTerms": "https://www.etoro.com/wp-content/uploads/2026/03/etoro_EU_TnC_Publication_2026-08-12_Clean-1.pdf",
    "copyAccountCheck": "After the account owner reported personally accepting updated terms, the real-account new-copy preview was accessible. Inspected amount validation, CSL editor and notices. The agent did not accept terms or submit a copy, deposit or recurring plan.",
    "copyPreview20260911": {
      "date": "2026-09-11",
      "mode": "Main Account Real; new-copy preview only",
      "profile": "ReturnInvest; interface example, not an endorsement",
      "minimumCheck": "Entered 199 USD; field changed to 200 USD on blur",
      "exampleAmountUsd": 1000,
      "cslRangeUsd": [
        50,
        950
      ],
      "cslRangePercent": [
        5,
        95
      ],
      "enteredCslUsd": 700,
      "displayedCslPercent": 70,
      "cslMeaning": "Remaining copy value; 700 of 1000 corresponds to 30 percent loss before other changes, not 70 percent loss",
      "openTradesToggle": "No separate Copy open trades toggle visible in this preview; notice says proportional copying of portfolio and trades",
      "cryptoNotice": "Crypto positions will be charged a 1% fee; no charge tested",
      "copyStarted": false,
      "depositSubmitted": false,
      "recurringPlanCreated": false,
      "previewClosed": true,
      "screenshots": [
        "/images/etoro-20260911/copy-castka-nahled.png"
      ],
      "limits": "Screenshot shows amount only and excludes private available balance. CSL values recorded from the UI; actual trigger, pause, resume and stop were not tested."
    },
    "demoHistoryRecheck": "Reopened already closed demo trade: invested 25 USD, 0.022458 units, open 823.82, close 823.85, displayed P/L 0; refreshed balance 100000 USD, Total Fees 0. Unit/notional discrepancy remains unexplained. Returned to Main Account Real."
  },
  "lastFiveQualityReview20260911": {
    "date": "2026-09-11",
    "scope": "Guides 6–10. No financial transaction, account security change or wallet creation. Numeric shared fee rates unchanged.",
    "stockPreview": {
      "instrument": "NU",
      "mode": "Real",
      "type": "Limit Order",
      "amountUsd": 25,
      "limitUsd": 14,
      "displayedApproximateShares": 1.78,
      "estimatedOpeningCostUsd": 1,
      "orderSubmitted": false,
      "screenshot": "/images/etoro-20260911/nu-limitni-nahled.png",
      "note": "Market closed. Default Take Profit was not a recommendation. No pending order or execution was created."
    },
    "cryptoPreview": {
      "instrument": "BTC",
      "mode": "Real",
      "type": "Market Order",
      "amountUsd": 25,
      "estimatedOpeningCostUsd": 0.25,
      "underlyingNoticeObserved": true,
      "orderSubmitted": false,
      "walletCreated": false,
      "transferSubmitted": false,
      "screenshot": "/images/etoro-20260911/btc-nahled-nakupu.png",
      "note": "Wallet showed Create Wallet; no individual BTC/XRP transfer eligibility or transit time tested."
    },
    "securityAccountCheck": {
      "path": "Settings > Account > Security",
      "twoFactorAuthenticationObserved": "enabled, change disabled in this account; UI links to support",
      "connectedDevicesObserved": true,
      "settingsChanged": false,
      "privateAccountScreenshotSaved": false,
      "note": "Account-state inspection, not a platform security audit."
    },
    "withdrawalTiming": {
      "source": "https://www.etoro.com/customer-service/withdraw-faq/",
      "checked": "2026-09-11",
      "statusEmailBusinessDays": 2,
      "cardBankTableBusinessDays": 5,
      "generalTextMaximumBusinessDays": 10,
      "conflict": "FAQ table says up to 5 business days for card/bank, introductory text says up to 10. Article explicitly retains both and refers to actual confirmation. No measured withdrawal."
    },
    "investorCompensation": {
      "source": "https://www.cysec.gov.cy/en-GB/investor-protection/tae/information/",
      "fractionOfEligibleClaim": 0.9,
      "capEur": 20000,
      "scope": "Eligible established cumulative covered claims against one member, subject to all conditions. Not portfolio or market-loss insurance."
    },
    "insurance": {
      "offerSource": "https://www.etoro.com/investing/insurance/",
      "disclosureSource": "https://www.etoro.com/wp-content/uploads/2023/01/Insurance-Disclosure-to-Clients-2022-.docx.pdf",
      "scope": "Offer for Platinum, Platinum+, Diamond; European disclosure maximum EUR1m per eligible claimant, EUR20k retention, EUR25m aggregate. Real crypto and normal market losses excluded. Individual eligibility not checked; actual policy controls."
    },
    "cryptoDocumentation": {
      "requirements": "https://help.etoro.com/articles/en_GB/Knowledge/What-are-the-crypto-transfer-requirements",
      "wallet": "https://www.etoro.com/crypto/wallet/",
      "travelRule": "https://www.etoro.com/crypto/travel-rule/",
      "note": "CZ on public eligible-country list; BTC/XRP listed. Requirements page read successfully. Current Wallet supports eligible external crypto deposits and sale: avoid universal one-way claim. Public EU Travel Rule process describes own self-hosted wallets; not a guarantee for arbitrary exchange addresses."
    }
  }
}