How are the fees taken from my account?

Fees are taken right from your Spiral Holdings Trade Investing account at the end of each month. No action is required on your part, and we'll never charge fees if you don't have a balance. Our fees are calculated based on the average daily balance of assets under management and assessed monthly, and add up to the total annual percentage (0.25% or 0.40%, depending on your plan). If a client’s account exclusively consists of mutual funds, due to small price fluctuations in mutual funds that may occur on the transaction date, Spiral Holdings Trade will accrue any fees over- or under-assessed and apply the difference to adjust the following period’s fee.

Are there discounts if I hold a high balance?

Yes. For the portion of your household balance above $2M, you'll receive a 0.10% discount on Spiral Holdings Trade’s management fee, including funds held in your crypto account. For Digital investing, you'll pay just 0.15% for the portion of your balance above $2M. For Premium investing, you'll pay 0.30% for the portion of your balance above $2M. For Crypto Investing, you'll pay 0.90% for the portion of your balance in crypto assets above $2M. Note that HSA, 401(k), Cash Reserve, and Checking balances are excluded from the $2M total balance.

What counts toward the minimum balance for Premium?

The minimum balance requirement for the Premium plan is based on your combined balance across individual and joint taxable accounts, trusts, and any IRAs you hold at Spiral Holdings Trade. Cash Goals, Spiral Holdings Trade Cash Reserve balances, and your Spiral Holdings Trade Checking balance do not count toward the minimum balance requirement for Premium. If you have a 401(k) through an employer plan with Spiral Holdings Trade for Business, an account with a third-party advisor through our Spiral Holdings Trade for Advisors platform, or a health savings account (HSA) offered by Spiral Holdings Trade in partnership with Optum Bank, those accounts are also not included in your minimum balance requirement and are subject to separate fee schedules.

Are there fees on deposits, withdrawals, or ETFs?

Spiral Holdings Trade will construct your portfolio with ETFs, a type of security that generally tracks a broad-market stock or bond index but trades like a stock on a listed exchange, and these ETFs have embedded fund fees. Spiral Holdings Trade's fund selection methodology aims to keep these costs as low as possible, and the dividends paid and reflected in your account's statement already take into account the deduction of these fees by the fund. Spiral Holdings Trade does not receive any portion of these fund fees and these fees are in addition to our annual wrap fee (.25% for Digital and .40% for Premium). Other than fund fees discussed above, our annual fee covers everything else. You are not charged any additional trading, deposit, withdrawal or transfer fees.

Does it cost more to get additional help if I need it?

Our Customer Support Team is available at no additional cost to help you with any technical or account management questions. Members of our Customer Support Team are not investment adviser representatives and are not licensed to give financial advice. Customers looking to transfer investments to Spiral Holdings Trade have access to our dedicated transfer specialist team. If you're exploring moving $100K or more to Spiral Holdings Trade and would like to understand your options, get advice on account set up, and ultimately have dedicated support throughout the transfer process, we offer complimentary access to our Licensed Concierge team. For more in-depth financial advice, you can purchase flat-fee advice packages with our team of CFP® professionals, for a one-time fee of $299-$399. An advice package can be especially useful if you're looking to build a financial plan but do not have the $100K minimum balance for our Premium Plan. Each advice package includes a tailored call and a personalized action plan and educational content.

Our Pricing

Cash

The smart home for your savings and daily spending.
- No fee
  $0 minimum balance
Start investing
Cash Reserve
High-yield cash account earning a variable 3.20%*

Bucket money for individual goals and plans

FDIC-insured up to $1M^† with our program banks
Cash Reserve is only available to clients of Spiral Holdings Trade LLC, which is not a bank, and cash transfers to program banks are conducted through the clients' brokerage accounts at Spiral Holdings Trade Securities. For Cash Reserve ("CR"), Spiral Holdings Trade LLC only receives compensation from our program banks; Spiral Holdings Trade LLC and Spiral Holdings Trade Securities do not charge fees on your CR balance. Learn more
Checking
No-fee^‡ Checking account and Visa^® debit card

ATM fees reimbursed worldwide

FDIC-insured up to $250k
Checking accounts and the Spiral Holdings Trade Visa Debit Card provided and issued by nbkc bank, Member FDIC. Checking made available through Spiral Holdings Trade Financial LLC. Neither Spiral Holdings Trade Financial LLC, nor any of their affiliates, is a bank. Learn more
Investing

Expert-built stock and bond portfolios to help you build wealth.
- 0.25% annual fee
  $0 minimum balance
Start investing
Digital investing
Low-cost investing portfolios built and managed based on your priorities

Socially responsible investing options

Account choices, including joint accounts, IRAs, and trusts

Automatic features like portfolio rebalancing, dividend reinvestment, and auto-adjust

Advanced tax-saving strategies like tax loss harvesting and asset location
Advice and planning tools
Financial goal-setting and advice tools

Retirement planning tools

Feedback on accounts you hold at other institutions

Unlimited access to the expertise of a Certified Financial Planner^™ at an additional price. See details
Advisory services provided by Spiral Holdings Trade LLC, a registered investment advisor.
Crypto

Diversified portfolios offer a simple way to invest in crypto.
- 1% annual fee
  + trading expenses*
  $0 minimum balance
Invest in crypto
Crypto Investing
Four diversified crypto portfolio options to align with your interests

Broadly invest in cryptocurrencies like Bitcoin and Ethereum

Risk and investment advice to help you make smart decisions

Automated rebalancing to help reduce the impact of market volatility
*Gemini, our cryptocurrency custodian, charges trading fees of up to 0.15% per trade.

Get on-demand financial guidance with a Certified Financial Planner™

Access unlimited support to a CFP® when you upgrade to Premium. From retirement planning to Crypto Investing, you’ll get professional on-on-one advice tailored to your goals.

Gain additional advice on investments held outside of Spiral Holdings Trade with our team of CFP® professionals.

0.15% add-on fee

Start investing

Curious how we make money?

We take transparency seriously around here, which means we keep our pricing and terms easy and straightforward:

For Checking, Spiral Holdings Trade Financial LLC does not charge fees on your account. We make money from merchants when you use your Visa debit card.

For Cash Reserve ("CR"), Spiral Holdings Trade LLC only receives compensation from our program banks, and Spiral Holdings Trade LLC and Spiral Holdings Trade Securities do not charge fees on your CR balance.

For Investing and retirement accounts, Spiral Holdings Trade LLC charges one low, annual fee, which covers all trading, transfer, and management costs.

For crypto accounts, Spiral Holdings Trade charges one low, annual fee which covers all management costs. Additional trading expenses (up to 0.15% per transaction) are charged by our cryptocurrency custodian, Gemini.

The Spiral Holdings Trade Satisfaction Guarantee.

We are committed to providing our customers with a great experience. If you are not completely satisfied with your advisory experience with Spiral Holdings Trade, we will do everything we can to make it right up to and including by waiving Spiral Holdings Trade's management fees for up to 90 days.

The Spiral Holdings Trade Satisfaction Guarantee does not apply to Crypto Investing.

Questions about our pricing:

How are the fees taken from my account?

Fees are taken right from your Spiral Holdings Trade Investing account at the end of each month. No action is required on your part, and we'll never charge fees if you don't have a balance. Our fees are calculated based on the average daily balance of assets under management and assessed monthly, and add up to the total annual percentage (0.25% or 0.40%, depending on your plan).

If a client’s account exclusively consists of mutual funds, due to small price fluctuations in mutual funds that may occur on the transaction date, Spiral Holdings Trade will accrue any fees over- or under-assessed and apply the difference to adjust the following period’s fee.
Are there discounts if I hold a high balance?

Yes. For the portion of your household balance above $2M, you'll receive a 0.10% discount on Spiral Holdings Trade’s management fee, including funds held in your crypto account. For Digital investing, you'll pay just 0.15% for the portion of your balance above $2M. For Premium investing, you'll pay 0.30% for the portion of your balance above $2M. For Crypto Investing, you'll pay 0.90% for the portion of your balance in crypto assets above $2M. Note that HSA, 401(k), Cash Reserve, and Checking balances are excluded from the $2M total balance.
What counts toward the minimum balance for Premium?

The minimum balance requirement for the Premium plan is based on your combined balance across individual and joint taxable accounts, trusts, and any IRAs you hold at Spiral Holdings Trade.

Cash Goals, Spiral Holdings Trade Cash Reserve balances, and your Spiral Holdings Trade Checking balance do not count toward the minimum balance requirement for Premium. If you have a 401(k) through an employer plan with Spiral Holdings Trade for Business, an account with a third-party advisor through our Spiral Holdings Trade for Advisors platform, or a health savings account (HSA) offered by Spiral Holdings Trade in partnership with Optum Bank, those accounts are also not included in your minimum balance requirement and are subject to separate fee schedules.
Are there fees on deposits, withdrawals, or ETFs?

Spiral Holdings Trade will construct your portfolio with ETFs, a type of security that generally tracks a broad-market stock or bond index but trades like a stock on a listed exchange, and these ETFs have embedded fund fees. Spiral Holdings Trade's fund selection methodology aims to keep these costs as low as possible, and the dividends paid and reflected in your account's statement already take into account the deduction of these fees by the fund. Spiral Holdings Trade does not receive any portion of these fund fees and these fees are in addition to our annual wrap fee (.25% for Digital and .40% for Premium). Other than fund fees discussed above, our annual fee covers everything else. You are not charged any additional trading, deposit, withdrawal or transfer fees.
Does it cost more to get additional help if I need it?

Our Customer Support Team is available at no additional cost to help you with any technical or account management questions. Members of our Customer Support Team are not investment adviser representatives and are not licensed to give financial advice. Customers looking to transfer investments to Spiral Holdings Trade have access to our dedicated transfer specialist team. If you're exploring moving $100K or more to Spiral Holdings Trade and would like to understand your options, get advice on account set up, and ultimately have dedicated support throughout the transfer process, we offer complimentary access to our Licensed Concierge team.

For more in-depth financial advice, you can purchase flat-fee advice packages with our team of CFP^® professionals, for a one-time fee of $299-$399. An advice package can be especially useful if you're looking to build a financial plan but do not have the $100K minimum balance for our Premium Plan. Each advice package includes a tailored call and a personalized action plan and educational content.

Pricing at Spiral Holdings Trade

Cash

Cash Reserve

Checking

Investing

Digital investing

Advice and planning tools

Crypto

Crypto Investing

All accounts include access to our Customer Support Team, available five days a week via phone and email.

Get on-demand financial guidance with a Certified Financial Planner™

0.15% add-on fee

Curious how we make money?

The Spiral Holdings Trade Satisfaction Guarantee.

Questions about our pricing:

How are the fees taken from my account?

Are there discounts if I hold a high balance?

What counts toward the minimum balance for Premium?

Are there fees on deposits, withdrawals, or ETFs?

Does it cost more to get additional help if I need it?

Like what you see? Let’s get you started.

Pricing at Spiral Holdings Trade

Cash

Cash Reserve

Checking

Investing

Digital investing

Advice and planning tools

Crypto

Crypto Investing

All accounts include access to our Customer Support Team, available five days a week via phone and email.

Get on-demand financial guidance with a Certified Financial Planner™

0.15% add-on fee

Curious how we make money?

The Spiral Holdings Trade Satisfaction Guarantee.

Questions about our pricing:

How are the fees taken from my account?

Are there discounts if I hold a high balance?

What counts toward the minimum balance for Premium?

Are there fees on deposits, withdrawals, or ETFs?

Does it cost more to get additional help if I need it?

Like what you see? Let’s get you started.

Like what you see? Let’s get you started.