Idealx Fee Schedule

Definitions and interpretation #

A specific meaning or rule in the relevant service clause prevails over a general definition. References to an accepted schedule or record mean the version supplied for that service, not an undisclosed internal policy. Mandatory legal rights and obligations are not displaced by these definitions.

1. Scope and ordinary accounts #

No account-opening, monthly, annual, ordinary custody, inactivity or standard adviser Console access fee is charged under this schedule. Optional strategy services carry the separate fee in section 10. Fund providers pay the separate business tariff in Idealx Fund Provider Services Agreement and commercial schedule. Independent adviser fees and underlying fund expenses are separate and require their applicable disclosures and consents.

Prices include GST where applicable unless expressly identified as business prices excluding GST. No extra tax surcharge is added to an inclusive price. A service must be available and activated before its price applies. A listed price does not activate margin, derivatives, lending, staking or asset reuse.

Idealx Platform Pty Ltd receives the Idealx fees in this schedule. Your service record identifies the entity supplying each regulated service and any entity collecting payment on Platform’s behalf. You pay only the customer charges disclosed in this schedule or a separate accepted quote. A third party’s charge applies only where its amount or basis and the recipient are disclosed before you commit.

2. Australian and United States shares and ETFs #

Brokerage excludes itself from the calculation base. Round half-up to the currency’s minor unit. There is one minimum for all fills of one original order, not a minimum for each fill. Buys and sells are separate orders. A cancelled-and-replaced order is a new order, as identified before submission. No execution means no brokerage. An invalidated execution has its associated brokerage reversed.

The brokerage shown is the total Idealx brokerage for the order. Applicable statutory taxes and regulatory levies are separately identified. Brokerage is deducted in the settlement currency on execution or settlement. Sale proceeds are credited net of charges; purchases require sufficient funds for consideration and charges. Using an existing balance in the settlement currency avoids a currency-conversion fee.

Examples in the market currency: a 1,000 or 10,000 order costs 2.40; a 30,000 order costs 2.40; a 100,000 order costs 8.00. These are brokerage examples, not total transaction costs or a continuing competitor price-match promise.

3. Other international shares and ETFs #

These are the total Idealx brokerage rates for the listed markets. The fee is the greater of the calculated commission and the minimum per order. Percentage rates apply to executed consideration; the Canadian rate applies to the number of shares executed.

For a supported market or venue not listed below, including Switzerland and Saudi Arabia, you receive the applicable tariff or a fixed quote before submitting an order. No fee is imposed under an unidentified venue or currency.

Round once, half-up to the settlement currency’s minor unit, after comparing the exact calculated fee and minimum. For example, SGD 3.125 rounds to SGD 3.13 and JPY 187.5 to JPY 188. Section 2's no-execution and single-minimum rules also apply. The order review identifies the exact supported venue, fee currency and expected amount; an ambiguous or unsupported venue cannot be selected.

Statutory taxes and regulatory levies are separately disclosed at the applicable amounts. Idealx does not charge twice for brokerage on the same execution. Changes to published prices apply prospectively under the Client Services Agreement. Unlisted markets and non-standard instruments require a separately accepted tariff or quote before submission.

4. Fiat currency conversion #

The fee is 1% of source-currency principal actually converted, with no minimum, for all supported pairs. Add the fee to principal: converting A$10,000 costs A$100, for a total debit of A$10,100. For an inclusive total-spend amount, divide by 1.01 to determine principal and show the rounded allocation before confirmation.

The quote shows the exchange rate, currencies, principal, fee, total debit, destination amount and quote validity or execution method. The rate is the customer conversion rate and may differ from a reference or mid-market rate. The 1% fee is charged once for a completed conversion, not for quotes, currency holdings or technical routing. A separately requested reverse conversion is a new transaction. The fee is reversed for an invalidated execution. Automatic conversion requires an effective authority; no additional Idealx FX spread is added to the rate presented.

5. Crypto trading #

The fee is 1% for each completed purchase, sale or crypto-to-crypto conversion, with no minimum. For a purchase, add 1% to fiat principal; divide an inclusive spend by 1.01. For a sale, deduct 1% from gross fiat proceeds. For crypto-to-crypto conversion, take 1% of the submitted source quantity as the fee and convert the remaining 99%. The quote shows supported precision, any rounding, rate, quantities, fee and net proceeds.

One customer conversion attracts one trading fee, regardless of technical routing through fiat, stablecoins or other assets. No additional FX fee applies solely to that routing. A separately requested fiat conversion uses section 4. Your execution rate may differ from a reference price; no additional Idealx trading spread is added to the rate presented. No fee applies to an unexecuted trade, and an invalidated execution has its fee reversed. A same-asset deposit or withdrawal is not a trade.

6. Incoming funds #

Idealx charges no fee for incoming bank transfers, supported incoming direct-debit funding or supported incoming crypto deposits. A sender’s bank, intermediary or wallet may charge independently. Credit the money or supported asset quantity actually received subject to settlement, network confirmation, verification and lawful reversals. Receipt alone does not authorise a conversion.

No card deposits are available at launch. Unsupported asset or wrong-network recovery is not an automatically chargeable service. No separate Idealx direct-debit dishonour or retry fee is introduced; the bank’s own charges and the Debit User’s separately disclosed rights remain subject to the applicable agreement.

7. Domestic AUD transfers #

Supported completed domestic AUD bank transfers, including withdrawals to the Client's external Australian bank account, cost 0.1% of principal, minimum A$1 and maximum A$10. Add the fee to principal and show the total before confirmation. A$5,000 sent costs A$5, for a total debit of A$5,005. A$100,000 sent costs A$10.

The fee is charged on confirmed completion. Reserved fees are released for failure or cancellation before completion. If a completed transfer is later returned, the original fee remains payable for the completed service unless the transfer was invalid or a refund is due because of Idealx’s error or applicable law. No additional return or recovery fee applies under this schedule.

No additional Idealx charge applies to an internal client-to-fund subscription transfer. For an existing client declining the migration terms and closing their account, the final AUD withdrawal has no Idealx withdrawal fee. Independent bank or actual separately authorised conversion charges are not waived by that exception.

8. International transfers and other services #

International payments use a transaction-specific quote. It identifies the provider, principal, Idealx transfer fee, currencies, any actual FX and its section 4 fee, known third-party charges, total debit, expected receipt, timing and quote validity. Possible unknown intermediary or recipient deductions are identified as estimates or unknown amounts, not zero. Same-currency cross-border payments do not themselves incur an FX fee.

If an international payment fails or is cancelled before irreversible submission, Idealx releases its transfer fee. If it fails after submission, Idealx refunds its transfer fee; any separately disclosed charge imposed directly by an intermediary or receiving institution is governed by that institution’s applicable terms and mandatory refund rights. A recipient rejection after successful completion does not itself refund the original fee. Idealx’s error and mandatory remedies are unaffected. A separately requested reverse conversion needs a new accepted quote. No unquoted recovery fee applies.

Other payment rails, securities transfers, bonds and exceptional or manual services are not assigned an unspecified charge. Before offering a chargeable service not priced here, Idealx supplies a separately accepted tariff or quote stating the trigger, calculation, currency, taxes and refund rules. Existing accepted prices cannot be displaced merely by calling an ordinary transaction an exceptional service.

9. Crypto withdrawals #

Crypto withdrawals have a transaction-specific fixed fee, quoted in the selected asset or fee currency before confirmation. The quote identifies the asset, network, recipient, amount to be received, total withdrawal fee, total debit, expiry and expected processing or confirmation requirements. You can decline the quote without an Idealx withdrawal fee. The fee is not a percentage trading commission.

The fee is added to the quantity you send unless you choose a total-balance withdrawal, in which case the review shows the fee deducted and the net amount to be received. Rounding follows the displayed asset precision. No separate trading or FX fee applies solely to calculating or collecting the withdrawal fee.

The accepted fee is fixed for that instruction. Before irreversible submission, Idealx may offer a replacement quote for your approval or cancel and release the reserved amount; it cannot increase the accepted debit without your authority. If the withdrawal fails or is cancelled before completion, Idealx refunds the withdrawal fee. A completed blockchain transfer is generally irreversible; sending to an incorrect address you supplied is not a failed transfer solely because the recipient cannot recover it. Mandatory rights and remedies for Idealx’s error remain unaffected.

10. Optional strategy service #

Idealx Platform charges 0.20% per annum, with no minimum and no maximum, on the daily value of investments enrolled in the selected strategy. Uninvested cash and unrelated holdings are excluded. Calculate daily and collect monthly in arrears. Idealx Strategy Service Schedule sets the valuation, day count, proration and collection rules. For illustration, an unchanged A$100,000 for a full year costs A$200.

This fee applies to both Idealx-authored and independent-firm client-approved strategies. Independently agreed adviser fees, ordinary brokerage, actual currency conversions and disclosed underlying investment expenses are separate. There is no additional strategy-basket fee. Standard adviser Console access and strategy creation are free to the Firm.

The fee is collected only from available cash covered by a valid deduction authority. Idealx notifies unpaid earned fees and may request a top-up. This authority does not permit an automatic asset sale, borrowing, currency conversion or compounding of unpaid fees. No late fee or interest applies. Leaving a client-approved strategy stops future accrual immediately, with partial-day proration, and leaves investments in the underlying account without an exit fee. Declining one proposed basket does not itself end an otherwise continuing strategy service.

Auto Pilot is priced separately under the Auto Pilot Fee Schedule: 0.99% per annum on net managed assets including managed cash, plus 15% of qualifying net profits above the 5% annual hard hurdle and adjusted high-water mark, with no dollar cap. The ordinary 0.20% strategy fee is not added to the same assets. Other discretionary Managed Strategies use the rates separately disclosed and accepted for that allocation.

11. Cash earnings and fee changes #

The ordinary cash service pays no client interest except where separately agreed or required by law. Idealx Platform retains 100% of eligible cash earnings that it is legally entitled to receive under Service Schedule A. This does not transfer principal, investment dividends or distributions, or a provider's own earnings entitlement. No additional cash-placement administration or ordinary deposit-break charge applies under the placement service.

Idealx may agree lawful discounts, waivers and promotions with stated eligibility and duration. A concession does not give another client matching rights. Prospective changes follow the Client Services Agreement, including applicable notice, consent and exit rights. Accepted quotes and accrued rights are preserved. No unlisted charge is created by this schedule.