STOCK INVESTMENT FEES

CURRENCY CONVERSION FEE

Fee that we charge to facilitate the settlement of a transaction, dividends or other relevant cash distributions includes currency conversion rate we receive from our third party currency conversation provider and a mark-up for a total fee of 45 basis points (bps).

The relevant regulatory fees imposed by the SEC or FINRA will be charged to you even when we do not charge commission. As applicable, the SEC and the TAF fees are deducted in USD directly from your proceeds following a sell transaction.

REGULATORY FEES

Every time you sell your stocks, the SEC and FINRA charge fees on the sale. The SEC charges $8.00 for every $1,000,000 (or $0.000008 per dollar), and FINRA charges $145 for every 1,000,000 shares (or $0.000145 per share) sold up to a maximum of $7.27 per trade. The FINRA fee is also known as the TAF, or Trading Activity Fee.

The relevant regulatory fees imposed by the SEC or FINRA will be charged to you even when we do not charge commission.

You will only be charged for orders which are executed. Any fees charged in connection with your trades will be debited from your Plum Account.

The relevant fees for orders that have executed are available on the ‘trade confirm’ that is provided to you.

For additional details on Fees, please see Section 8 “Fees and Taxes” in Plum’s Stock Investments Terms and Conditions.

MONEY MARKET FUND ("PLUM INTEREST") FEES

1. Plum’s service charge fees

   We waive any service charge fees for Premium subscribers, so they only pay the BlackRock fund manager fee (see below).
   All other Plum customers (excluding Premium subscribers) will be charged a yearly 0.20% service charge fee by Plum, based on the daily balance held in the fund.
   Where applicable, this fee will be collected from your Primary Pocket on the first day of each calendar month.

2. BlackRoack’s fund manager fee

   All customers, regardless of their subscription tier, will be charged a fund management fee of 0.10% by BlackRock.
   The fund value is automatically updated to reflect BlackRock’s fee, so you won’t see it as a separate charge.

Annual Cost - Example of fees

This illustration shows example fees for different levels of investment, ranging from €500–€5,000.

Exchange-Traded Funds (ETFs) Fees

1. Trading commissions

   Plum offers a range of commission-free trades tailored to your subscription plan. As a Plum Basic user, you get two (2) lifetime commission-free trades, followed by a €0.25 per trade fee thereafter. Plum Pro users have three (3) commission-free trades monthly, with a €0.15 per trade fee thereafter. Plum Premium users benefit from 15 commission-free trades monthly and a €0.15 per trade fee thereafter. For Plum Pro and Premium subscribers, the allocation of free trades is renewed every month.

2. Custody fees

   Annual fund provider fees are applied across all Plum subscription plans. For Plum Basic users, the annual fund provider fee is set at 0.70%. Plum Pro users enjoy a reduced rate of 0.45%, while Plum Premium users benefit from the lowest fee, set at 0.20%. These fees are seamlessly integrated into your portfolio value, ensuring transparency and ease of use.
   Custody fees will be calculated daily and deducted from your ETFs holdings on a monthly basis, effectively reducing the units held. In the rare instance that your ETFs Investment Account balance declines over multiple payment cycles due to these fees, we'll reach out to you reminding you of the custody fees and the importance of maintaining your investment with Plum.
   The fund manager of the funds you choose for your ETFs will charge a fee for managing the fund and for more details regarding the fund charges, please refer to the relevant Key Investor Information Document ("KIID"). You should read this document to make sure you are comfortable that it is right for you, including the fees that will apply.

Important notes:

1. Plum provides a non-advised (execution-only) order transmission service for investment products, with associated fees in line with the relevant terms and conditions agreed upon prior to the provision of services by Plum.
2. Investment products may be subject to taxes on dividends or capital gains generated within an investor's portfolio. As an investor, you have the sole responsibility of determining the relevant tax impact to your trading and you should consult an appropriate professional advisor if you have any questions or doubts in this regard. Plum does not provide tax, investment, financial, or other advice.