Beginner
Minimum deposit
$5,000
- Commission
- 0.4%
- Leverage
- 1:5
- AI integration
- Basic
- Dedicated portfolio manager
- Customer support: 24/5
- Market access: Limited
Home / Account Types
Plans & pricing
Choose the account that fits your goals.
Transparent annual advisory fees, no hidden trading costs and the freedom to upgrade whenever your wealth grows.
Account types
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Choose the account that fits your goals
From your first portfolio to institutional mandates — every keystone-io account comes with a dedicated portfolio manager.
Essential
Minimum deposit
$20,000
- Commission
- 0.25%
- Leverage
- 1:10
- AI integration
- Medium
- Dedicated portfolio manager
- Customer support: 24/5
- Market access: All markets
- 1 monthly session with a senior analyst
- Trading bonus: up to 10%
Plus
Most popularMinimum deposit
$50,000
- Commission
- 0.15%
- Leverage
- 1:20
- AI integration
- Advanced
- Everything in Essential, plus:
- Fully managed account
- 2 monthly sessions with a senior analyst
- Access to arbitrage
- Trading bonus: up to 20%
Premium
Minimum deposit
$100,000
- Commission
- 0.1%
- Leverage
- 1:30
- AI integration
- Premium
- Everything in Plus, plus:
- Access to exclusive events
- 1 weekly session with a senior analyst
- Retirement plan
- No withdrawal fees
- Trading bonus: up to 25%
VIP
Minimum deposit
$500,000
- Everything in Premium, plus:
- Transaction insurance
- Custom requests — discuss directly with your account manager
Enterprise
Minimum deposit
Custom
Available upon request. Tailored solutions for businesses, funds and institutions.
Contact UsCompare
Every feature, side by side
| Features | Starter | Growth | Premium | Institutional |
|---|---|---|---|---|
| Investing | ||||
| Diversified core portfolios | ✓ | ✓ | ✓ | ✓ |
| ESG / sustainable portfolios | — | ✓ | ✓ | ✓ |
| Global market access (40+) | — | ✓ | ✓ | ✓ |
| Custom mandates | — | — | — | ✓ |
| Advice & planning | ||||
| Advisor check-ins | — | Quarterly | Monthly | On demand |
| Dedicated advisor | — | — | ✓ | ✓ |
| Tax & wealth optimization | — | — | ✓ | ✓ |
| Estate planning session | — | — | ✓ | ✓ |
| Service & tools | ||||
| Mobile & web app | ✓ | ✓ | ✓ | ✓ |
| Custom reporting & API | — | — | — | ✓ |
| Support | Priority | Phone & chat | SLA | |
| Pricing | ||||
| Minimum deposit | $100 | $5,000 | $50,000 | Custom |
| Annual advisory fee | 0.25% | 0.40% | 0.65% | Custom |
How it works
Open an account in four steps
01
Sign up
Create your account online in under 5 minutes.
02
Verify identity
Secure ID check — fully digital, no paperwork.
03
Fund your account
Transfer by bank wire or ACH. Minimums apply per plan.
04
Start investing
Your advisor-built portfolio goes live the same day.
Account FAQ
Choosing the right account
Short answers to the questions we hear most before people sign up.
Can I change my account type later?
Yes. Upgrade or downgrade at any time from your dashboard; the new fee applies from the next billing month.
Are there any hidden fees?
No. You pay the annual advisory fee shown for your plan. Fund expense ratios are disclosed on every portfolio.
What happens if I fall below the minimum?
Nothing immediately — we’ll let you know and suggest the best-fitting plan. We never force-sell your investments.
Can I open a joint or business account?
Joint accounts are available on Growth and Premium. Businesses and funds should choose Institutional.
Not sure which account is right? Talk to an advisor.
We’ll recommend the right plan in a free 30-minute call.
