Circuit
Free
1.50% a year in a vault
3vaults1.50%on stablecoins in a vault, paid daily0.35%commission on a share trade2,000 RONexchanged at mid-market each month400 RONfree ATM withdrawals each month
Pricing
The monthly fee is
the small number.
What a trading account really costs you is commission, exchange spread and withdrawal fees — and, if the account pays interest, what it gives back. All of it is below, and there is a calculator so you do not have to do the arithmetic.
The four plans
Same account.
Different rate.
Every plan opens the same account, holds the same assets and reaches the same markets. What moves is the commission you pay and the rate your money earns.
Steel
24 RON a month
2.50% a year in a vault
10vaults2.50%on stablecoins in a vault, paid daily0.15%commission on a share trade10,000 RONexchanged at mid-market each month1,500 RONfree ATM withdrawals each month
Gold
59 RON a month
3.25% a year in a vault
Unlimitedvaults3.25%on stablecoins in a vault, paid daily0%commission on share tradesNo capmid-market exchange4,000 RONfree ATM withdrawals each month
Nova
129 RON a month
4.00% a year in a vault
Unlimitedvaults4.00%the highest rate bytblock pays0%commission on share tradesNo capmid-market exchangeUnlimitedATM withdrawals
The calculator
Which one is cheapest
for you?
Not a rhetorical question. Move the four sliders and the answer changes — a paid plan often costs less than the free one once the vault rate is counted.
6
2,000 RON
3,000 RON
40,000 RON
The calculator assumes ATM withdrawals stay inside each plan's free allowance and that vault interest accrues on the full balance for a year. Figures are illustrative for this demonstration build.
Every fee
The whole list.
Not the headline ones. All of them.
| Circuit | Steel | Gold | Nova | |
|---|---|---|---|---|
| Monthly fee | Free | 24 RON | 59 RON | 129 RON |
| Vault rate, a year | 1.50% | 2.50% | 3.25% | 4.00% |
| Share trade commission | 0.35% | 0.15% | 0% | 0% |
| Mid-market exchange, a month | 2,000 RON | 10,000 RON | No cap | No cap |
| Above that allowance | 0.5% | 0.5% | — | — |
| Free ATM, a month | 400 RON | 1,500 RON | 4,000 RON | Unlimited |
| Above that allowance | 1% | 1% | 1% | — |
| Card spend abroad | Mid-market | Mid-market | Mid-market | Mid-market |
| Vaults | 3 | 10 | Unlimited | Unlimited |
| Card | Circuit, recycled PVC | Brushed steel | Gold plated | Nova, metal |
What you are never charged
Six fees that do not exist.
A fee list is only honest if it also says what is missing from it.
Nothingto open an account, and nothing to keep it open.
Nothingto hold your shares. No custody fee, no safekeeping fee, no platform fee.
Nothingto deposit, by card or by transfer, in any currency we support.
Nothingto move money between your own balances.
Nothingif you go quiet. There is no inactivity fee.
Nothingto leave. Withdraw everything and close the account the same day.
The obvious question
If the first plan is free,
how does this pay for itself?
Worth asking of anything free, and the answer should be boring rather than clever.
Subscriptions
The plainest one. People who trade often, or hold larger balances, pay a monthly fee because the better rate and zero commission are worth more to them than the fee.
The card
Every card payment pays the issuer a small share of the merchant's fee. It costs you nothing and it is how most current accounts in Europe fund themselves.
The spread we keep
Stablecoin reserves sit in short-dated government paper and earn interest. Most of it is passed to you as the vault rate; bytblock keeps the difference. On the free plan that difference is larger, which is precisely why the plan is free.
There is no fourth answer. bytblock does not sell order flow, does not lend out your shares, and does not take the other side of your trade.
Start on the free one.
bytblock is a working demonstration. Join the list and we will bring you in market by market, starting with the Bucharest blue chips.
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