What are Active and Inactive accounts?

Passive account fee
The passive account fee is a monthly charge applied to accounts with no qualifying activity over a 90-day period

What counts as activity?
Your account is considered active if within the past 90 days you have done at least one of the following:

• Executed a crypto buy or sell trade of any size
• Opened or closed a CFD trade or held an open CFD position
• Received a staking reward
• Completed a deposit (fiat or crypto)

What does NOT count as activity?
The following do not prevent the fee:

• Automated crypto transactions to cover the passive fee
• Fiat or crypto withdrawals
• Receipt of non-staking rewards or bonuses
• Placement of limit or stop orders that remain unfilled

Fee timing and assessment

• Your account is reviewed on the 19th of each month
• The system checks the previous 90 days for qualifying activity

How the fee is charged

• The fee is deducted from your Available Euro - Crypto balance
• If the balance is insufficient or zero the system sells crypto assets starting with the largest market-cap asset to cover the fee
• The Stocks, Indices & Margin account is not affected by this fee

Low or zero balances

• If your total balance is below €20 but inactive you will be charged the remaining balance
• If your balance is zero no fee is deducted and your balance stays at zero

Business and linked personal accounts

• A private-person account linked to a business account will not incur the passive fee.

If you have any further questions, please don’t hesitate to contact our support team via the app or email us at support@changeinvest.com.