Meridian Credit
More flexibility: Credit for trading or withdrawals, starting from 3.75% p.a.
Open accountNote the risks of credit-financed investments.
Maximum flexibility
Borrow against securities in your Broker account. Apply in just a few steps and repay at any time. From €1,000 portfolio value.
Fair
Interest applies only when Credit is actually used.
Flexible
Use for trading or withdrawals.
Simple
Apply and manage right in the app.
Credit from 3.75% p.a.
| Variable borrowing rate | 3.75% p.a. PRIME+ / 4.75% p.a. FREE |
| Interest charge | Quarterly |
| Credit line | Up to €250,000 |
| Additional costs | None. Overdraft and default interest may apply if the credit line is exceeded. |
Stocks
| ETFs, ETCs or other ETPs | The credit line is calculated from the market value of positions multiplied by the applicable loan-to-value ratio. Individual ratios may differ and change. |
| Funds (excl. ELTIFs) | The credit line is calculated from the market value of positions multiplied by the applicable loan-to-value ratio. Individual ratios may differ and change. |
| Derivatives | The credit line is calculated from the market value of positions multiplied by the applicable loan-to-value ratio. Individual ratios may differ and change. |
| Crypto ETPs | 0% |
| ELTIFs | 0% |
| Cash balance | 0% |
| Up to 75% | 0% |
You have securities worth €10,000. Your credit line is €5,000, of which you use €2,000 for 90 days.
Amount of credit used
| Credit line | €5,000 |
| Duration | €2,000 |
| Interest calculation method | 90 days |
| Sample variable borrowing rate | act/act |
| Interest due | 3.75% |
| Total amount owed | €18.49 |
| Intraday: No interest | €2,018.49 |
Borrowing to invest increases risk. Interest reduces returns and losses may grow. Falling collateral values may require immediate repayment or forced sales. Carefully assess your financial circumstances before borrowing.
Use Credit and repay the borrowed amount on the same day without interest. Taxes and special risks still apply.
FAQs
FAQs
More questions about Credit are answered in our FAQ
What is Credit and what should I consider?
A credit line of up to €250,000 secured by securities in your portfolio. Falling asset values can reduce your credit line and require repayment or sales. Borrowing increases investment risk.
How can I use Credit?
Use it for trading or withdrawals. It is not intended for buying or building real estate.
What does Credit cost?
Setting up the line is free. Variable interest applies only to the amount used, charged quarterly. Source rates: 3.75% PRIME+ and 4.75% FREE.
When are interest charges due?
Interest accrues daily on the borrowed amount and is charged quarterly.
How can I repay Credit?
Deposit funds or sell securities. Incoming cash automatically reduces outstanding borrowing. No fixed instalments.
Notes
In the event that a borrower intends to use a loan for capital investment, the following risks should be considered.
Investors may obtain additional funds by borrowing or pledging securities to increase their investment amount. This leverage can significantly increase risk. Borrowing costs reduce investment returns and may exceed them. If investments lose value, interest increases the overall loss. A falling portfolio value may trigger additional collateral or repayment requirements, potentially forcing the investor to sell securities at a loss.
Investors should carefully assess the risks of credit-financed investments, including margin calls, and their financial circumstances. Funds needed for living expenses or ongoing obligations should generally not be used for leveraged investments.
Please review the relevant contractual terms and client documentation.
Credit-financed investments involve the risk of substantial loss, including the loss of collateral. The credit terms shown on this page are illustrative and have not been verified as a Meridian offer.