Renta 4 Banco review

The brokerage account runs a monthly fee of €0, so keeping it open costs nothing each month. Managed portfolios take 0.25%, and the Plan Easy account asks for a minimum deposit of €200. Deal charges on individual trades sit outside these figures and depend on the instrument.

The plan has no term and can be cancelled at any time, and most of the balance is available instantly, with the remainder following shortly after. easy access access is built in, so this is not a fixed term product, and no minimum capital is needed to activate it.

Comision Nacional del Mercado de Valores (CNMV) supervises the firm, and RENTA 4 BANCO S.A. is the legal entity behind the brand. Cash sits under EU DGS up to EUR 100,000, while investments are covered by EU ICS up to EUR 20,000. The two run on separate systems, so the smaller limit governs anything you hold in markets.

The asset list covers stocks, etfs and bonds, so shares, ETFs, bonds, funds and crypto all sit in a single account. crypto is a named feature, and the managed portfolios use etf and crypto. The firm is based in Spain and has been in the investment business since 1986.

Yes. The managed portfolios charge 0.25% and start from a minimum investment of €100, which is below the €200 needed for the Plan Easy account. etf and crypto covers the styles offered, so handing the picking to a managed basket suits anyone who does not want to choose holdings.

The listed range covers joint, sipp and corporate, so joint, pension and corporate needs are served within the same firm. RENTA 4 BANCO S.A. operates them, and support runs on email, phone and help centre for anyone setting one up, adding a second holder or changing the arrangement later.

Plan Easy pays a headline rate of 2.25%, and variable is the rate type, so the figure moves with the market rather than staying locked in. The account is built for easy access money, meaning the balance is treated as cash you can draw on quickly.

Yes, crypto is a listed feature and crypto sits inside stocks, etfs and bonds alongside the traditional assets. The crypto side runs under the same supervisor, with licence MiCA CASP 213800IMKAUV5KW28586, and it also forms part of the managed range in etf and crypto.