Fortuneo: CTO, PEA, trading tariffs, SRD, managed accounts and insurance services

Fortuneo offers French securities accounts alongside banking, discretionary fund management, life insurance and a retirement contract. The first decision is the account’s ownership and tax framework. The second is the dealing tariff: the three current plans do not require a minimum number of trades or a continuing asset balance.[1]

The opening FAQ gives an average of four days before the PEA appears online, but this is a processing estimate. Three associated accounts can appear with it. Their different functions explain why a bank transfer, a PEA contribution and cash available to settle a CTO purchase are not interchangeable entries.[6]

View full spreads & trading costs

Domestic prices below concern online orders on the specified Euronext venues and Equiduct. Currency conversion, financing, transaction taxes, underlying fund expenses and optional services sit outside the headline commission. Current Starter, Progress and Trader Pro terms must be distinguished from the separately published legacy tariffs.[13]

Starter’s recurring waiver attaches to the first order of the month and its size condition. It should not be read as unlimited free small orders or as a promise that a later qualifying order will replace an earlier larger one. This is a commission rule, not an automatic investment programme.[12]

These tools automate conditions for transmitting orders; they do not remove market gaps or adverse execution. The intelligent-order page describes market instructions once triggered. A trailing percentage or paired exit should therefore be assessed as a trading rule rather than an insured minimum sale price.[27]

The deferred-settlement FAQ allows a financing exemption for matched same-day transactions in the same quantity and security, with a partial-execution qualification. It should not be expanded into a blanket claim that every intraday SRD position is free: the current tariff also charges financing on a realised loss until liquidation. Brokerage remains a separate cost.[33]

Account access uses additional authentication for specified payment, fraud-sensitive or inactive-session situations. The general conditions describe security codes and mobile or biometric validation. These controls protect access; they do not establish uninterrupted platform availability or a guarantee against every unauthorised transaction.[46]

Public contact hours describe service availability, not a measured response time. Use the securities account’s order record for a trading problem and the formal written complaint route when seeking a remedy; telephone discussion alone may not provide the dated evidence needed for subsequent mediation.[46]

The securities mandate provides trade notices and periodic reporting. The product page advertises no entry, profile-change or termination charge, but the manager’s performance fee and expenses inside the portfolio’s funds are distinct. Historical figures on the sales page are dated 30 June 2025 and should not be presented as current 2026 account results.[35]

The different postal addresses are reported as a source discrepancy, not silently combined. Customer applications, complaints and issuer administration also have their own operational addresses. The relevant document’s current instructions should determine where a particular dossier is sent.[44][49]

Headquarters

Courbevoie, France; REGAFI address discrepancy disclosed

This profile uses public documents and named authority records, with the August 2026 tariff separated from older general conditions and dated performance material. It does not contain a live order-fill test. A final instrument decision still depends on the order ticket, applicable account restrictions and current product disclosure.[46][35]