Welcome to the Club

TBanque offers a wide range of services and tools to customers according to their membership tier.

TBanque Club membership is determined according to the customers equity as of midnight GMT each day. Provided that you meet the equity requirement, you will be automatically accepted and youll see the club tier change the following day. This means that under your TBanque username, youll see your new tier title. Youll also instantly be eligible for new benefits youll need to select them to receive them. Expect to see relevant emails related to your tier, as well!

Membership tiers are determined by realized equity rather than unrealized equity.

We can break it down this way

Realized equity = your cash balance + the total original purchase value of all of your holdings.

So, if you bought $2,000 of bitcoin at $10k, as long as you hold it, it doesnt matter if the price went up or down, that $2,000 is considered part of your realized equity. Its only until you close (or transfer) your bitcoin that your profit or loss gets added to your realized equity.

Even if bitcoin crashes, and your $2,000 of it is suddenly worth next to nothing, you wouldnt be downgraded out of your tier until you actually close the position. Likewise, if your assets increase in value to the point where your original purchase price of $2,000 is worth ten times that, you wont get upgraded until you sell (close) those positions.

Unrealized equity is dependent on the prevailing market rates and is, therefore, more volatile. In addition to eToros responsible trading ethic, to create stability and ensure that members are not constantly shifting between tiers the same day or the same week, the membership requirements are based on realized equity. This is to enable customers to grow their portfolio while trading responsibly.

You will remain a club member for as long as you meet the equity requirement for a given tier. In the event that your equity falls below the minimum, you will continue your current membership status for a courtesy period of three (3) full calendar months.

Membership upgrades are automatically processed within 24 hours of the equity requirement being met. Downgrades are processed on the 1st day of each calendar month.

Your membership status appears below your username in your TBanque account dashboard, both on the desktop version and on the mobile app.

No. Your equity level is private and, therefore, only you can see your membership.

TBanque provides benefits to Club members according to their tier, as determined by TBanque and according to these terms and conditions which are separate from and additional to the terms and conditions of TBanque and any other product terms and conditions in place between you and TBanque.
Individual offers may be subject to change and withdrawal at any time. Specific terms and conditions may apply to individual offers and will be notified with the offer.
Your Club membership does not have a fixed term. It will continue until you downgrade below the Silver tier

We can cancel any Club benefits immediately if, at any time:
You are, or we reasonably suspect you may be, using or obtaining, or allowing someone else to use or obtain, an account, service or any money illegally;
Your TBanque account is, or we reasonably suspect it is, being used for a fraudulent or illegal purpose;
Your TBanque account is dormant (as per eToros applicable terms and conditions), suspended or blocked and we therefore consider it a risk to the privacy of your personal data to continue providing TBanque Club benefits to the details we have on record for you;
If we reasonably consider that by continuing to offer this benefit we may break a law, regulation, code, court order or other duty; or we, or another TBanque Group company may be exposed to action or censure from any government, regulator or law enforcement agency. We may terminate any benefits if we have a reason which is not set out above and it is reasonable (or valid) for us to do so. We will give you at least 30 days advance notice.

Diamond members are eligible to receive cash back on TBanque fees for non-leveraged BUY crypto positions (real crypto). There is no need to sign up for this offer, it is activated automatically for qualifying positions.

The Crypto Fee Rebate offer is subject to the following Terms & Conditions:

Only Diamond Tier members of the TBanque Club are eligible for this offer. Rebates are offered on the TBanque fee, not including spreads, and are activated automatically for eligible positions. Only manual BUY crypto positions are eligible (no CopyTrader, crypto redeem positions, or assets other than cryptoassets). Rebates apply to both opening and closing volume, and will be paid only after closing via credit to the users TBanque account balance. Minimum payment is $5 USD. The rebate will be calculated once a month (aggregated volume per CID) between 00:00:00 GMT time on the first day and the last day of each month. This offer is valid beginning March 6th, 2022. Positions opened prior to this date, will NOT be eligible for rebate.

* To confirm availability and for more details on the Terms & Conditions please speak with your direct Account Manager