Self Bank offers two distinct cash securities accounts through Singular Bank. Cuenta de Bolsa combines lower quoted dealing prices with activity-based custody waivers. Cuenta de Bolsa Sin Custodia removes the custody charge but uses a different dealing schedule. Choosing between them requires both the expected trade size and the likely holding period.[2][3]
Account choices
Sections ↑Cash-account comparison
| Feature | Cuenta de Bolsa | Bolsa Sin Custodia |
|---|---|---|
| Custody | Charged unless a qualifying waiver applies | Published custody charge: €0Source 2 |
| Domestic brokerage | Fixed bands through €60,000 | €12 through €30,000Source 2 |
| OTC dealing | Separate tariff; instrument acceptance applies | Not admittedSource 2 |
| Moving between accounts | Check the destination before transferring | Internal securities transfers to or from this account are prohibitedSource 2 |
The tariff also lists Quintuplica and Tentuplica credit accounts. Their borrowing costs, collateral and separate pricing must be assessed under those agreements; borrowed capacity is not cash available for withdrawal.[2]
Products and market access
Sections ↑The cash schedules cover shares, ETFs and specified exchange-listed warrants and certificates. The tariff explicitly excludes online fixed-income dealing. Its US ETF prices concern sales of qualifying existing holdings: a quoted fee does not establish permission to buy a US-registered ETF.[2]
Dealing and holding costs
Sections ↑Spanish share and ETF brokerage
The page uses overlapping “up to” and “from” wording at some exact thresholds. Check the order preview for a trade exactly on a boundary. Fees apply per execution: different execution prices on one day, or the same price on different days, can produce separate charges.[2]
European dealing differences
| Market or instrument | Cuenta de Bolsa | Bolsa Sin Custodia |
|---|---|---|
| France, Netherlands, UK; German shares | €14.95 through €10,000; 0.20% above | €15 through €10,000; 0.20% aboveSource 2 |
| Xetra ETFs | €10 through €10,000; 0.10% above | SameSource 2 |
| Belgium, Italy, Portugal | 0.20%, minimum €29.95 | 0.20%, minimum €30Source 2 |
US share dealing
US thresholds are expressed in dollars while the fixed brokerage amounts are euros. Exchange charges, applicable taxes and depositary fees can add to brokerage. Conversion uses the bank’s daily rate with a 0.50% directional markup when settlement requires another currency.[2]
Ordinary-account custody
| Holding | Published charge without a waiver |
|---|---|
| Spanish securities | €4.95 plus VAT per market, calendar month and accountSource 2 |
| International securities | 0.10% annually, with a €4.95 minimum plus VAT per market, month and accountSource 2 |
| Fixed income | 0.20% of nominal, minimum €6 per security per half-yearSource 2 |
Three monthly trades in the same account and market waive the relevant equity custody charge. The tariff groups venues into Spain, Europe and the US; NYSE and Nasdaq count together. A separate Spanish-share waiver requires qualifying securities actually to be borrowed through the lending service. Merely offering them for loan is insufficient. Lending creates a separate contractual exposure and should not be selected solely to avoid custody.[2]
Other dealing charges
| Item | Published treatment |
|---|---|
| Stop instruction | Additional €3 through the stated €9,000 band, then 0.10%; exact boundary and waiver timing need confirmationSource 2 |
| Stop waiver | Activation is required; the page’s wording about 20 monthly trades and the qualifying month is unclearSource 2 |
| Instruction outside the online channel | Additional €6 per operationSource 2 |
| Execution alerts | Email free; SMS €0.50 plus VAT eachSource 2 |
| Automatic sale of residual rights | €3.95Source 2 |
Orders and practical controls
Sections ↑Check the account name and exchange on the order ticket before applying a tariff. A stop trigger does not guarantee the final execution price. Execution alerts and the separate partial-fill rule also matter when reconciling the eventual contract note with the initial order estimate.[2]
Transfers and available cash
Sections ↑Outgoing securities transfers
| Market | Published fee |
|---|---|
| Spanish securities | 0.25%, capped at €100 per security, plus VATSource 2 |
| International securities | 0.30%, capped at €100 per security, plus VATSource 2 |
| Required cash | Enough to cover the transfer commission plus a 15% cushion on that commission; not 15% of the portfolioSource 2 |
| Incoming restrictions | No OTC holdings or securities priced below 0.001 units of their quotation currencySource 2 |
Entity and protection scope
Sections ↑Banco de España’s 28 October 2026 institution list identifies Singular Bank under code 1490. Self Bank’s corporate help identifies it as the digital banking brand and describes eligible cash-deposit cover up to €100,000 per depositor. Deposit protection does not reimburse an ordinary fall in a share’s value, and the brand does not create a separate bank-level deposit limit.[4][3]
- 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.
Singular Bank, S.A.
No separate licence entry is recorded in this panel.
Assessment
Sections ↑Bolsa Sin Custodia can be easier to budget for a portfolio held without regular dealing, while the ordinary account can be competitive for particular trade sizes and genuinely qualifying activity. Compare a year of brokerage, conversion, custody and eventual transfer fees using the actual venues. Trading or lending extra assets simply to obtain a waiver can cost more than the saving.
Sources & further reading
- Self Bank: company and digital banking service Self Bank · Accessed 29 Oct 2026
- Self Bank: published account, dealing and ancillary tariffs Self Bank · Accessed 29 Oct 2026
- Self Bank: legal entity and deposit protection explanation Self Bank · Accessed 29 Oct 2026
- Banco de España: monetary financial institution list, 28 October 2026 Banco de España · 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.