Audited Financial Tool (2026)
Real Broker Fee Trap Scanner
Zero-commission marketing hides structural tollgates. Select a specific reviewed broker and account type to calculate your exact annual cash sweep haircut, order routing drag, foreign exchange markups, and dormancy penalties.
🏦 1. Select Broker & Specific Account
📊 2. Your Account & Trading Profile
Total Account Equity ($)
$50,000
Uninvested Idle Cash Balance ($)
$10,000
Monthly Equity/Options Trades
12 Trades
Average Trade Order Size ($)
$2,500
Annual Foreign Asset / FX Volume ($)
$15,000
Borrowed Margin Balance ($)
$0
Estimated Annual Capital Leakage
$0.00 / yr
10-Year Opportunity Drag: $0
Audited Fee Channel Drag
💸 Cash Sweep Yield Haircut
$0.00
⚡ PFOF & Spread Routing Drag
$0.00
💱 FX Conversion Markups
$0.00
📈 Margin Borrowing Premium
$0.00
⏱️ Inactivity & Custody Penalties
$0.00
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Reviewed Broker Fee Schedules (2026 Audit)
Baseline benchmark: Risk-free rate at 4.50% (Fed/ECB reference) and low-rate DMA margin benchmark at 5.13%.
| Broker & Account | Cash Sweep APY | PFOF / Routing | FX Markup | Base Margin APY | Inactivity Policy |
|---|---|---|---|---|---|
| IBKR Pro | 4.08% – 4.33% | $0 (DMA SmartRouting) | Spot + 0.002% ($2 min) | ~5.13% Base | $0 / None |
| Saxo Bank (Classic) | ~2.40% APY | Direct Bank Routing | 0.25% AutoFX | ~6.50% | €0 / Abolished |
| Capital.com Standard | 0.00% APY | Spread Markup | 0.50% – 0.70% | ~8.50% Overnight | $0 / None |
| Plus500 Standard | 0.00% APY | Dynamic Spreads | Up to 0.70% | ~8.80% Swaps | $10/mo after 90 days |
| Charles Schwab | 0.45% Bank Sweep | No Equity PFOF | 1.00% Markup | 11.80% – 13.07% | $0 / None |
| Scalable Capital (PRIME+) | Up to 2.60% p.a. | gettex / Xetra execution | Built into spreads | N/A (Cash Only) | €4.99/mo subscription |
| Trade Republic | 3.00% – 3.25% (ECB) | Lang & Schwarz venue | EUR Base Only | N/A (Cash Only) | $0 / None |
| DEGIRO | 0.00% – 1.25% | Direct market execution | 0.25% AutoFX Markup | ~5.25% – 6.90% | €2.50/yr per exchange |
| Trading 212 Invest | ~4.00% – 4.20% | $0 (FCA Regulated) | 0.15% Transparent | N/A (Cash Only) | $0 / None |
| Fidelity Investments | ~4.75%+ (SPAXX Sweep) | No Equity PFOF | 1.00% Markup | 12.00% – 13.50% | $0 / None |
| Robinhood Standard | 0.01% Cash Sweep | PFOF Internalized | N/A (USD Only) | ~11.75% Base | $0 / None |
| XTB Standard | 2.00% – 3.80% | $0 (EU Regulated) | 0.50% Markup | ~8.00% Swaps | €10/mo after 12 mos |
| eToro Standard | 0.00% (Bronze/Silver) | Spread Markup | 0.50% – 1.50% | ~9.50% Swaps | $10/mo after 12 mos |
| AvaTrade Retail | 0.00% | Fixed/Variable Spreads | Cross-Currency Spread | ~8.50% Swaps | $50/qtr after 3 mos |