Prices and commissions, before you begin
With Luminvestry you know the possible costs before you begin trading. We state the size of the initial deposit, the core fees, the trading costs, and the conditions for deposits and withdrawals clearly and in one place.
There is no monthly platform fee on any tier. The amount attached to each plan is the initial capital allocated to trading activity, not a membership or subscription charge.
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A personal manager will call you within 24 hours.
Choose the plan that fits
Basic, Advanced and Premium compared on the same parameters, so the only difference you are choosing between is what you get.
| Feature | Basic | Advanced | Premium |
|---|---|---|---|
| Recommended for | Those taking their first steps | More experienced traders | Users with the largest volumes |
| Initial deposit | £200 | From £1,200 | From £4,000 |
| Market monitoring | ✓ | ✓ | ✓ |
| AI-based instruments | ✓ | ✓ | ✓ |
| Market alerts | Essential | Essential | ✓ |
| Analytical resources | Essential information | Advanced | Advanced |
| Learning materials | ✓ | ✓ | ✓ |
| Support | Online | Priority | Individual |
| Personal manager | ✓ | ✓ | ✓ |
| Priority service | — | ✓ | ✓ |
| Monthly platform fee | £0 | £0 | £0 |
| Access to the platform | ✓ | ✓ | ✓ |
Core fees
| Cost type | Fee / cost |
|---|---|
| Account opening | Free |
| Account maintenance | Free |
| Custody of funds | Free |
| Trading commission | Up to 0.58% per transaction |
| Currency conversion | Up to 1.50% |
| Forex spread | From 0.8 pips |
| Inactivity fee | Free |
The applicable fee is disclosed before you confirm a transaction. Spreads can vary depending on the asset, liquidity, volatility and current market conditions, and the figure at the moment of execution is the one that applies.
Additional costs
| Additional cost | Description |
|---|---|
| Network charges on digital asset transfers | May apply when digital assets move across their payment networks. |
| Payment provider fees | May be charged by a third-party payment provider. |
| Currency conversion | May apply when transacting in a currency other than the account currency. |
| Asset- or service-specific costs | May be applied by brokers or other partners depending on the chosen asset or service. |
All applicable fees, if any, are shown to you before a transaction is confirmed. Luminvestry applies no hidden charges.
Service fee and spread
The trading commission of up to 0.58% per transaction is the platform's own charge and is visible on every executed order. The spread, the small difference between buying and selling prices, belongs to the market: on major currency pairs it starts from 0.8 pips and widens for less liquid assets or during volatile periods. Your weekly report lists both separately so you can always see what the market took and what the platform took.
Deposits and withdrawals
Deposits and withdrawals by every supported method, including UK bank transfer, Visa, Mastercard, PayPal, Apple Pay and Google Pay, are free of platform charges. Third-party costs, such as network charges on digital asset transfers or a rare provider fee, are always displayed before you confirm the transaction.
Timelines and limits
Deposits by card and digital wallet are normally credited instantly, while UK bank transfer deposits take one to three business days. Withdrawals to digital wallets are normally processed within 24 hours, and withdrawals to cards and bank accounts take one to five business days. The minimum initial deposit is £200 on the Basic plan; per-transaction limits are shown on the withdrawal screen and confirmed by your manager.
Important notes
Tier minimums describe initial trading capital, not a payment to us, and moving between tiers is arranged with your manager as your balance grows. Figures on this page are proposed terms for verification and are confirmed in writing during onboarding. If any fee ever looks different in the platform from what is described here, the platform figure shown before confirmation is the authoritative one, and we would ask you to tell us so we can correct this page.