Master Account: Invest efficiently and without unnecessary fees
Want to maximize your investment returns? With a Master Account from Fio banka, you don't pay fees for the registration of Czech stocks, and you can leave the dividend worries to us.
When investing on the Czech stock exchange, you have two options for registering your securities. Either in an individual account directly with the Central Securities Depository (CDCP), or in a so-called Master Account (omnibus account) at Fio banka. The Master Account is a modern way to save costs and simplify administration.
Main benefits of the Master Account
- 0 CZK for portfolio management: Registration of publicly traded stocks and bonds is free of charge with us.
- Automatic dividends: No more running to branches of other banks or complex paperwork. We will credit dividends directly to your trading account.
- Lower costs even for non-traded stocks: Even for unlisted securities, you save compared to the CDCP fee schedule.
- Maximum security: Your securities are legally separated from the bank's assets by law.
Comparison: How much will you save on fees?
As of January 1, 2026, fees for safekeeping in individual accounts at the CDCP will increase by VAT of 21%. See how much you can save annually with a Master Account compared to a standard depository account.
| Portfolio Value (CZK) | Master Account Fee | CDCP Fee (incl. VAT) | Your Annual Savings |
|---|---|---|---|
| up to 250,000 | 0 CZK | 0 CZK | 0 CZK |
| 360,000 | 0 CZK | 436 CZK | 436 CZK |
| 500,000 | 0 CZK | 436 CZK | 436 CZK |
| 1,000,000 | 0 CZK | 436 CZK | 436 CZK |
| 3,000,000 | 0 CZK | 1,742 CZK | 1,742 CZK |
| 5,000,000 | 0 CZK | 3,049 CZK | 3,049 CZK |
| 10,000,000 | 0 CZK | 6,098 CZK | 6,098 CZK |
Convenient Dividend Collection
With the Master Account, you don't have to worry about the payout of returns. As soon as the issuer pays a dividend, we will automatically credit it to your trading account.
- Fee: Only 0.2% of the credited amount.
- No paperwork: No need to monitor deadlines and payment methods with individual administrators.
Registration of Non-Traded Securities
Do you own shares from coupon privatization or securities that are no longer traded on the exchange (including the RM-SYSTÉM Free Market)? Even here, the Master Account is the more advantageous choice. Our management fees are significantly lower than those of the Central Depository. You can find the exact amounts in the Price List of Basic Services (Part P).
How to find out which account type you are using?
Verification is easy directly in the e-Broker application:
- Click on "Global Settings" in the top bar.
- Scroll down to the "Trading Account Information" section.
- Look for the line "Type of asset account in CDCP":
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= You have a Master Account and are saving on fees. |
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= Your securities are in the CDCP, and you pay fees according to the CDCP fee schedule. |
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= You do not have any asset account set up in the CDCP. |
Related documents and information:
- Price List of Basic Services - Detailed overview of fees.
- Appendix to the Price List of Basic Services - Additional information on CDCP fees.
- Protection of Investment Instruments - How we protect your assets and funds.
- Securities Brokers Guarantee Fund - Information on insurance and guarantees.
