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Risk First: fees directly affect net results. DBS Vickers charges no account opening or annual maintenance fee and no minimum balance requirement. Custodian fee applies at SGD 2 per counter per month (capped at SGD 150 per quarter) but is waived if at least two trades/month or six trades/quarter. Online commissions: for Singapore shares, cash‑upfront buy trades cost 0.12% (min SGD 10.90) online and standard cash 0.18% (min SGD 27.25); other markets have defined rates similarly. Spread or forex rate mark‑up is applied when converting currencies, but specific forex spread figures are not disclosed. Deposit/withdrawal fees aren’t documented explicitly. No inactivity fees stated.