Accounts & headline costs
Sections ↑BUX is an execution-only mobile broker whose three current plans use different combinations of subscription, invested-asset, order and currency-conversion charges. The central comparison is therefore not simply a free versus paid plan. It is the investor’s expected order type, market, monthly activity, cash balance and use of stock lending.[1][12]
Account comparison01
Account and service routes at a glance
| Account or route | Customer scope | Headline condition |
|---|---|---|
| BUX Basic | Eligible retail clients in supported European countries | €0 monthly; 0.20% annual variable service fee on invested assets; market orders up to €3.99.Source 1Source 3 |
| BUX Plus | Eligible retail clients | €2.99 monthly; variable fee only above €250,000; lower EU order and FX prices; three Zero Orders monthly.Source 1 |
| BUX Prime | Eligible retail clients | €7.99 monthly; variable fee only above €500,000; lowest order/FX schedule; five Zero Orders monthly.Source 1 |
| Investment Plans | Recurring purchases within the selected plan | Execution charge €0; product expenses and the plan’s other charges remain.Source 1 |
Broker essentials02
Opening essentials
| Measure | Value | Context |
|---|---|---|
| Account company | BUX B.V. | Execution-only Dutch investment firm; KvK 58403949.Source 1Source 12 |
| Ordinary custody fee | Included in plan pricing | The variable service fee is separate from the monthly subscription and order charges.Source 1Source 3 |
| Cash movements | €0 broker deposit/withdrawal fee | Bank timing and verification still apply.Source 1Source 5 |
| Advice model | Self-directed | BUX states that it does not provide investment advice.Source 1 |
The Basic variable fee is calculated daily from invested assets and charged monthly. Plus and Prime waive that fee below their respective thresholds and apply 0.10% annually only to the excess band. An upgrade settles accrued charges immediately, so plan switching can change the timing as well as the level of the bill.[1][3]
Products & platforms
Sections ↑Availability03
Products and what is actually held
| Product | Published access | Important boundary |
|---|---|---|
| European and U.S. shares | Whole and eligible fractional market orders | Fractional orders use market-order pricing; not every security or order type supports fractions.Source 1 |
| ETFs and ETCs | One-off orders and recurring Investment Plans | Underlying fund/product expenses remain.Source 1 |
| Zero Orders | Eligible European stocks and ETFs | Executed in an end-of-day window; not available for U.S. securities or Basic.Source 1Source 2 |
| Cash balance | Uninvested cash can earn plan-specific interest | Interest payer and deposit-protection aggregation differ from securities custody.Source 1Source 11 |
| Stock lending | Opt-in lending of eligible stocks, ETFs and ETCs | Voting and delivery rights can be affected temporarily; sale may be delayed while a loan is recalled.Source 9 |
Platforms & products04
Platforms and tools
| Platform or tool | Verified capability | Boundary |
|---|---|---|
| BUX mobile app | Onboarding, portfolio, orders, plans and cash administration | Public materials do not establish a desktop dealing platform or retail API.Source 1Source 7 |
| Market order | Immediate routing at best available market price | Execution price is not guaranteed and spread/liquidity remain.Source 1 |
| Limit order | Available in Plus and Prime | May remain unfilled; Basic does not include this route.Source 1Source 2 |
| GTC order | Rolling limit instruction in Plus and Prime | Can remain for up to one year but may be cancelled by corporate actions or other conditions.Source 2 |
| Zero Order | Delayed commission-free instruction | Execution occurs between 16:00 CET and market close, subject to eligibility and monthly allowance.Source 1Source 2 |
The instrument and order type must be read together. A European share bought through a recurring plan, a Zero Order and an immediate market order can carry three different charges and execution timings even within the same account.[1][2]
Fees & holding costs
Sections ↑Pricing & charges05
Core charges
| Charge | Published amount | Scope or trigger |
|---|---|---|
| Basic monthly / variable | €0 / 0.20% annually | Variable fee charged monthly on invested assets.Source 1Source 3 |
| Plus monthly / variable | €2.99 / 0.10% above €250,000 | No variable fee below the threshold.Source 1 |
| Prime monthly / variable | €7.99 / 0.10% above €500,000 | No variable fee below the threshold.Source 1 |
| European market order | Basic €3.99; Plus €1.99; Prime €0.99 | Per executed order; ETF and U.S. schedules differ.Source 1 |
| ETF / U.S. market order | €0.99 across plans | FX markup applies to U.S. shares.Source 1 |
| U.S. FX markup | 0.75% / 0.25% / 0.20% | Basic / Plus / Prime, respectively.Source 1 |
Pricing & charges06
Worked cost examples
| Example | Calculated amount | Assumptions |
|---|---|---|
| Six €500 European market buys in one month | Basic €23.94; Plus €14.93; Prime €13.93 | Includes subscription and order charges; excludes spread, variable fee and product costs.Source 1 |
| €20,000 U.S. share purchase | FX markup €150 / €50 / €40 | Basic / Plus / Prime; excludes €0.99 order charge and currency-rate movement.Source 1 |
| €100,000 invested for one year in Basic | €200 variable service fee | Assumes constant invested value; actual fee is calculated daily and charged monthly.Source 3 |
Pricing & charges07
Other costs and continuing charges
| Item | Published treatment | Practical consequence |
|---|---|---|
| Shareholder-meeting registration | €10 including VAT | Per request under the published plan schedule.Source 1 |
| Interest on uninvested cash | Basic 0%; Plus 1.75% to €100k; Prime 2.00% to €100k and 1.65% above | Rates accrue daily and are paid monthly; future rates can change.Source 1 |
| Stock-lending revenue share | 50% of net annualised return for Basic/Plus; 70% for Prime | Operational and lending-agent costs are deducted before the plan share.Source 1Source 9 |
| Account closure | No separate closure price identified | Balance, holdings and negative fees must be cleared before closure.Source 6 |
Plan comparisons should include the asset-based fee and currency conversion, not only visible order commissions. A low-activity, high-balance Basic customer can incur more service fee than a frequent small investor, while a U.S.-heavy portfolio can make the FX-markup difference material.[1][3]
Execution & trading rules
Sections ↑Specifications08
Order handling and market access
| Rule or route | Published operation | Consequence |
|---|---|---|
| Immediate market order | Executes at the available market price | Price can differ from the displayed quote; liquidity and spread remain.Source 1 |
| Limit / GTC | Price-constrained instruction in Plus and Prime | Can remain unfilled; corporate actions can cancel a GTC.Source 2 |
| Zero Order | Queued for end-of-day execution | No control over the exact moment within the execution window; monthly plan allowance applies.Source 1Source 2 |
| Order-size ceiling | Basic/Plus generally €25,000 and 1,000 U.S. shares; Prime €100,000 and 3,000 U.S. shares | Security and venue restrictions can be lower.Source 8 |
| Fractional order | Market-order route only | Relevant market-order commission applies.Source 1 |
Trading & service hours09
Sessions, settlement and order timing
| Situation | Published treatment | Boundary |
|---|---|---|
| Zero Order cutoff/execution | End-of-day window from 16:00 CET to market close | Not weekend or after-hours execution.Source 1 |
| Day limit | Expires at the end of the trading day | Re-enter if the order remains required.Source 2 |
| GTC | Can roll for up to one year | Availability and corporate-action treatment apply.Source 2 |
| Plan change | Upgrade immediate; downgrade after billing period | Orders and fees can be governed by different plan dates during a switch.Source 1Source 3 |
A Zero Order is economically different from a zero-commission immediate order. It trades away timing control in exchange for a fee waiver. That distinction belongs beside the price, particularly for volatile or illiquid securities.[1][2]
Deposits, withdrawals & transfers
Sections ↑Transfer terms10
Funding and available cash
| Route | Published process | Restriction or timing |
|---|---|---|
| Bank transfer deposit | Use the account’s approved funding instructions | Identity and reference-account controls apply; BUX charges €0.Source 1Source 11 |
| Incoming portfolio transfer | Supported for eligible whole securities | Fractions cannot be transferred in; instrument eligibility must be confirmed.Source 4 |
| Investment Plan funding | Recurring instruction through the account | Keep enough cash available before execution.Source 1 |
| Cash interest | Paid on qualifying uninvested cash | Actual bank allocation and aggregation determine deposit-protection scope.Source 1Source 11 |
Transfer terms11
Withdrawals and transfers
| Action | Published process | What changes the timing |
|---|---|---|
| Cash withdrawal | Normally two to three working days; allow up to five | Only settled, unrestricted cash can be sent.Source 5 |
| Outgoing portfolio transfer | Not offered through the reviewed BUX transfer service | Selling and withdrawing cash is economically different from an in-kind transfer.Source 4 |
| Closing account | Sell holdings, withdraw available cash and resolve negative fees | Closure may take up to four weeks after requirements are met.Source 6 |
| Stock on loan | A sale instruction can be placed | Delivery can be delayed while the security is recalled from the borrower.Source 9 |
A displayed cash balance can include amounts awaiting settlement or operational release. The withdrawal estimate starts from an eligible request; it is not a promise that every sale becomes bank-withdrawable on the same day.[5][6]
Protection & regulation
Sections ↑Essentials12
Legal entity and authority evidence
| Measure | Value | Context |
|---|---|---|
| Contracting company | BUX B.V. | Dutch execution-only investment firm; KvK 58403949.Source 1Source 12 |
| Authority | Dutch Authority for the Financial Markets | BUX states that it is authorised and regulated by the AFM; the current register should be checked by legal name.Source 1Source 13 |
| Cash bank | ABN AMRO Clearing Bank | Interest and bank-deposit protection concern the bank allocation, not the market value of investments.Source 1Source 11 |
| Custody structure | BUX custody foundation / client-asset arrangements | Securities segregation is distinct from deposit insurance.Source 11 |
Protections & eligibility13
Protection depends on the asset and account
| Arrangement | Relevant scope | What it does not cover |
|---|---|---|
| Uninvested bank cash | Dutch deposit-guarantee eligibility generally up to €100,000 per depositor per bank | Other deposits at the same bank aggregate; product and depositor eligibility apply.Source 11 |
| Securities custody | Client assets held separately under the disclosed custody structure | Does not protect against market loss or issuer failure.Source 11 |
| Stock lending collateral | BUX describes 105% government-bond collateral | Collateral and recall arrangements do not remove borrower, operational or market risk.Source 9 |
| AFM supervision | Conduct and investment-firm oversight | Authorisation is not an investment-performance guarantee.Source 13 |
Stock lending temporarily changes the chain of possession and can suspend voting rights. The collateral percentage is a risk control, not an insurance policy or a guaranteed recovery amount for each client.[9]
Opening an account & support
Sections ↑Process14
Application and account administration
| Stage | Published requirement | Operational detail |
|---|---|---|
| Eligibility | Adult applicant in a supported country | Country, tax-residency and identity checks determine availability.Source 12 |
| Plan selection | Choose Basic, Plus or Prime | Upgrade/downgrade timing changes when fees begin or end.Source 1 |
| Identity and bank verification | Complete digital onboarding and funding checks | Approval is not automatic.Source 11 |
| Account closure | Empty investments and cash, resolve negative balance, then close in app | Records can remain for five to seven years under retention rules.Source 6 |
Verified service routes
BUX live chatWebsite
https://support.bux.com/Source 7
Scope Published during stock-market hours; authenticated route for account-specific issues.
Customer supportEmail
Help centreWebsite
Process15
When the platform or device is unavailable
| Situation | Published route | Limitation |
|---|---|---|
| App unavailable | Use the published support email/help route | No public emergency telephone dealing desk was established.Source 7 |
| Uncertain order status | Check open and executed orders before repeating | Closing the app does not itself cancel a server-accepted instruction.Source 2 |
| Zero Order queued | Wait for the published end-of-day process or cancel while permitted | No guarantee that a support contact can convert it to an immediate order.Source 2 |
| Stock-lending sale delay | Sale request can require recall | Support can investigate, but immediate delivery is not promised.Source 9 |
Additional services
Sections ↑Reference table16
Additional services and account controls
| Service | Verified scope | Control or cost |
|---|---|---|
| Investment Plans | Recurring purchases with €0 execution fee | Selling later uses the applicable ordinary order price.Source 1 |
| Cash interest | Plan-specific rate paid monthly | Rate and bank allocation can change.Source 1 |
| Stock lending | Voluntary programme with monthly reporting | Revenue share and temporary rights limitations apply.Source 9Source 10 |
| Shareholder meeting registration | Request supported for €10 | Availability depends on the security and process.Source 1 |
Reference table17
Records, currency and technical access
| Research point | Published outcome | Boundary |
|---|---|---|
| Statements and tax records | Monthly stock-lending report and ordinary account records are provided digitally | Download records before closing; retention does not guarantee ongoing app access.Source 10Source 6 |
| Order validity | Day limits and GTC up to one year | Corporate actions and eligibility can end an order early.Source 2 |
| Device persistence | Server-accepted orders continue when the app is closed | Verify status before entering a duplicate.Source 2 |
| Security recovery / withdrawal hold | Identity and cash-availability controls apply | No universal fixed security hold beyond the published withdrawal estimate was established.Source 5Source 11 |
| Currency handling | U.S. purchases use a plan-specific FX markup | This is separate from share commission and market movement.Source 1 |
| API / AI authority | No public retail trading API or autonomous AI authority established | The mobile app remains the documented order route.Source 1 |
Company background & evidence
Sections ↑Entities & regulation18
Company identity and evidence
| Item | Current evidence | Interpretation |
|---|---|---|
| Legal identity | BUX B.V., Amsterdam; KvK 58403949 | Use the legal name rather than only the BUX brand.Source 1 |
| Business model | Execution-only mobile broker | No personalised investment advice is represented.Source 1Source 12 |
| 2024 AFM fine | €1.6 million imposed 18 November 2024 for referral inducements | AFM says the underlying conduct ended 21 April 2023; read later appeal/status updates separately.Source 14 |
| Migration check | No current contracting-entity migration established in reviewed sources | Plan changes are tariff changes, not an entity transfer.Source 12Source 1 |
The AFM enforcement record is relevant company history, but it should not be converted into a current product prohibition or a general safety score. The profile records the specific conduct, date and authority statement while assessing the current service through present terms.[14][1]
- Headquarters
- Amsterdam, Netherlands
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
BUX B.V.
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Dutch Authority for the Financial MarketsKvK 58403949 (register match) | Authorised | Checked 15 Oct 2026The KvK number is the company identifier used to match the legal entity; it is not presented as a separate licence number.Source 1Source 13 |
Additional Information
Sections ↑Sources & further reading
- BUX Basic, Plus and Prime prices, order charges, interest and stock-lending share BUX · Accessed 15 Oct 2026
- Order types, Zero Orders and good-till-cancelled conditions BUX Support · Accessed 15 Oct 2026
- Variable service-fee calculation and plan-change timing BUX Support · Accessed 15 Oct 2026
- Incoming portfolio transfer and fractional-position limitations BUX Support · Accessed 15 Oct 2026
- Withdrawal processing estimates BUX Support · Accessed 15 Oct 2026
- Account closure requirements and record retention BUX Support · Accessed 15 Oct 2026
- Customer-support channels and live-chat scope BUX Support · Accessed 15 Oct 2026
- Order-value and share-count limits by plan BUX Support · Accessed 15 Oct 2026
- Stock-lending operation, collateral and rights BUX · Accessed 15 Oct 2026
- Stock-lending monthly income and reporting BUX Support · Accessed 15 Oct 2026
- Cash, custody and security arrangements BUX · Accessed 15 Oct 2026
- Legal documents and execution-only company disclosure BUX · Accessed 15 Oct 2026
- AFM investment-firm licence registers Dutch Authority for the Financial Markets · Accessed 15 Oct 2026
- AFM decision concerning BUX referral inducements Dutch Authority for the Financial Markets · 12 Mar 2025 · Accessed 15 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.