MyInvestor combines a self-directed securities service with separate bank accounts, investment funds and paid Premium membership. For an investor choosing between small monthly ETF purchases and larger overseas share orders, its percentage charge, minimum fee, exchange canons and currency-conversion charge should be considered together; a Premium discount changes only specified elements.[1][2]
Broker essentials01
MyInvestor Spain at a glance
| Measure | Value | Context |
|---|---|---|
| Published service | Spanish digital-bank securities brokerage | Source 1 |
| Primary operating jurisdiction | Spain | Source 1 |
| Firm named in account and regulatory context | MyInvestor Banco, S.A. | Source 5 |
| Type of broker | Bank-operated shares and ETF brokerage | Source 1 |
| Service website | https://myinvestor.es/inversion/broker/ | Source 1 |
Account types and onboarding
Sections ↑Account comparison02
Bank relationship versus brokerage account
| Item | Terms | Scope |
|---|---|---|
| Securities service | Stocks and ETFs purchased through MyInvestor digital broker | Separate from bank savings, deposits or fund subscriptionsSource 2Source 1 |
| Standard plan | Published normal broker schedule | Shares and ETFs have different minimum commissionsSource 1 |
| Premium | Subscription service with ETF fee and FX variations | Discount must be weighed against recurring membership costSource 3 |
| Dollar account | A Premium-linked USD account option is separately marketed | USD holding can change how often currency conversion is neededSource 4Source 3 |
Account comparison03
Investor eligibility and execution prerequisites
| Item | Terms | Scope |
|---|---|---|
| Minimum investment | No general monetary minimum beyond cost of the share bought | Single-stock share price limits smallest viable tradeSource 1 |
| Platform entry | Digital/app and web broker proposition | Membership does not establish access to an institutional APISource 2 |
| Order disclosure | Commission preview displayed before purchase | Read venue-specific fees rather than rely on brochure summarySource 1 |
| Foreign equity | Foreign exchange and foreign-market terms apply | USD cash holdings and standard EUR route have different charge pathsSource 4Source 1 |
Markets, instruments and ownership
Sections ↑At a glance04
Investable instruments and account distinctions
| Item | Terms | Scope |
|---|---|---|
| Shares | Listed equity securities in available international markets | Direct ownership via custodian, not an OTC contract for differenceSource 2Source 1 |
| ETFs | Exchange-traded funds in Spanish and international venues | Broker charge and embedded annual fund charge are differentSource 2Source 1 |
| Investment funds | Additional mutual-fund service on the wider MyInvestor platform | Mutual fund subscription is not an ETF orderSource 2 |
| Automated investment | Separate managed portfolios and other products | Portfolio management fees cannot be inferred from share broker tariffSource 2 |
At a glance05
Market access and quote visibility
| Item | Terms | Scope |
|---|---|---|
| Spanish shares | Spanish exchange access with domestic BME exchange canons | Published canons can increase cost over headline broker chargeSource 1 |
| U.S. shares | U.S. exchange trading is offered | USD settlement and currency conversion may applySource 2Source 1 |
| European equities | Other European exchanges included | Venue hours, settlement and local tax can differSource 2 |
| Displayed market price | Help page notes some quote displays can be 15 minutes delayed | Execution need not occur at the delayed display quoteSource 1 |
Brokerage, FX, financing and other charges
Sections ↑Pricing & charges06
Standard share and ETF schedule
| Item | Terms | Scope |
|---|---|---|
| Stock order | 0.12% of turnover; minimum €3; maximum €25 | Per-order floor dominates small tradesSource 1 |
| ETF order | 0.12%; minimum €1; maximum €25 | Smaller ETF purchases have lower minimum than equitiesSource 1 |
| Standard FX | 0.30% currency-conversion charge | Applies on relevant foreign-currency transactions and USD dividendsSource 1 |
| Custody | No custody fee advertised | Does not waive the ETF expense ratioSource 1 |
| Inactivity | No inactivity fee advertised | Distinct from statutory/venue charges on actual ordersSource 1 |
| Dividends | No cash-dividend collection fee advertised | USD dividends still face the stated FX ruleSource 1 |
Pricing & charges07
Worked order commissions at standard tariff
| Item | Terms | Scope |
|---|---|---|
| €250 Spanish share order | Max(€3, €250 × 0.12%) = €3 | Excludes Spanish venue canon, spread and taxesSource 1 |
| €250 ETF order | Max(€1, €250 × 0.12%) = €1 | Excludes ETF ongoing charges and market feesSource 1 |
| €5,000 stock order | €5,000 × 0.12% = €6 | Before FX and third-party costsSource 1 |
| €30,000 stock order | 0.12% = €36 but cap gives €25 | €25 maximum assumes one order and same qualifying serviceSource 1 |
Pricing & charges08
Premium subscription and conversion conditions
| Item | Terms | Scope |
|---|---|---|
| Subscription | €7.99 monthly; one eligible account | Automatically renews on the third; the first part-month is prorated. Junior accounts are excluded.Source 6 |
| ETF brokerage | 0.12%, with the €1 minimum removed | A €250 purchase has €0.30 brokerage before other costs.Source 3 |
| Reduced currency exchange | 0.25% Monday 00:00 through Friday 23:59 | Premium’s currency-conversion concession is time-dependent.Source 3 |
| Weekend and holiday conversion | 1% | Weekends; 24, 25 and 31 December; 1 January; US Thanksgiving; 4 July.Source 3 |
| USD account | Separate account contract; USD-funded trades can settle without conversion | The account must be emptied and deactivated before cancelling Premium.Source 6Source 3 |
| Cancellation | Benefits continue until the next renewal date | The subscription is a recurring cost even when no trade is placed.Source 6 |
Pricing & charges09
Spanish transaction expense beyond MyInvestor commission
| Item | Terms | Scope |
|---|---|---|
| BME market canon | Additional fee for Spanish-stock orders disclosed in help | Not a MyInvestor commission and charged according to market scaleSource 1 |
| Small exchange orders | For Spanish shares under €300, published BME canon €1.11 | Must be added to broker €3 floor where applicableSource 1 |
| Medium exchange orders | €300–€3,000 tier €2.45 plus 0.024% in help | Scale is venue-specific, not a universal foreign feeSource 1 |
| Non-EUR dividend | FX conversion charge can apply when collecting USD dividends | “No dividend fee” does not imply “no conversion cost”Source 1 |
Orders, execution and dealing technology
Sections ↑At a glance10
Order controls and working prices
| Item | Terms | Scope |
|---|---|---|
| Stop orders | Stop-loss orders supported for NYSE, Nasdaq and Xetra under FAQ | A triggered market order can fill away from stop priceSource 1 |
| Order validity | Help describes maximum 60 days for certain stop orders | Do not assume every order type has identical expirySource 1 |
| After-hours entry | Order placed outside session can wait for venue trading | A visible order receipt is not an executed tradeSource 1 |
| Delayed market data | Some quotations shown with 15-minute delay | Important when using a limit or stop near current priceSource 1 |
| General order dates | Market/limit orders can start up to one week later and expire up to four weeks after their start | These dates differ from the stated 60-day stop-order limit.Source 2 |
Cash, currencies and asset transfers
Sections ↑At a glance11
Securities transfers and settlement currency
| Item | Terms | Scope |
|---|---|---|
| Incoming portfolio minimum | €10,000 | The published broker page applies this minimum to incoming securities transfers.Source 2 |
| Documents | Signed transfer request and matching-holder statement issued within three months | PDF documents are required; a foreign-broker transfer is initiated with that broker.Source 2 |
| Transfer duration | Up to one month | Completion depends on the institutions and securities involved.Source 2 |
| Outgoing transfer | No MyInvestor transfer charge | Another institution may apply its own charge.Source 2 |
| USD settlement | Available through the separately contracted Premium USD account | Funding in USD and currency conversion have different cost consequences.Source 3 |
Legal entity, supervision and client protections
Sections ↑Entities & regulation12
Supervision, investments and cash separated
| Item | Terms | Scope |
|---|---|---|
| Bank legal entity | MyInvestor Banco, S.A. | Broker is a bank-run service, not a stand-alone unregistered marketing affiliateSource 5 |
| Bank identifier | Banco de España code 1544; NIF A86701711 | MyInvestor’s legal notice identifies MyInvestor Banco, S.A.Source 5 |
| Spanish conduct supervision | Banco de España and CNMV roles described | Brokerage/investments are distinct from covered depositsSource 5 |
| Cash holdings | Bank deposit protection may apply to eligible deposits within legal limits | Do not equate bank cash guarantee with stock price insuranceSource 5 |
| Foreign securities | Custody chain may involve third parties and overseas venues | A foreign equity loss is not a compensated failed-deposit eventSource 5Source 2 |
- Headquarters
- Spain
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
MyInvestor Banco, S.A.
SpainSource 5
No separate licence entry is recorded in this panel.
Support, complaints and records
Sections ↑At a glance13
Documents, account and order information
| Item | Terms | Scope |
|---|---|---|
| Before trade | Broker shows commission detail before purchase | Record expected order fee and foreign exchange rateSource 1 |
| Securities transfers | FAQs explain inward/outward transfers | Obtain custody position references when transferring portfoliosSource 1 |
| Tax records | MyInvestor markets Spanish fiscal reporting support | Tax return obligations depend on taxpayer's own position and residencySource 1Source 5 |
| Premium response | Subscription markets priority telephone assistance | Priority is a service distinction, not measured response-time evidenceSource 3 |
Research, tools and additional services
Sections ↑At a glance14
Adjacent banking and investment offers
| Item | Terms | Scope |
|---|---|---|
| Funds and managed portfolios | Available through broader bank platform | Independent fund/platform charge schedule appliesSource 2 |
| Premium membership | Discounts, cash account perks and extra services | Benefits can change; not all pertain to the brokerage itselfSource 3 |
| USD account | Dollar balance service marketed with Premium | May mitigate repeated FX conversions but does not eliminate currency riskSource 4 |
| ETF dealing | Premium minimum-free commission is specific to ETFs | Standard share commission floor remains separately publishedSource 3Source 1 |
Sources & further reading
- MyInvestor: official brokerage fees and operating FAQ MyInvestor · Accessed 29 Oct 2026
- MyInvestor: share and ETF broker product MyInvestor · Accessed 29 Oct 2026
- MyInvestor: Premium subscription and reduced ETF/FX charges MyInvestor · Accessed 29 Oct 2026
- MyInvestor: USD account rules MyInvestor
- MyInvestor: legal notice and bank identity MyInvestor · Accessed 29 Oct 2026
- MyInvestor: Premium subscription, cancellation and USD-account FAQ MyInvestor · Accessed 29 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.