Plan d’Epargne en Actions (PEA) Accounts
Plan d’Epargne en Actions (PEA)
French tax residents can open a PEA to invest in European securities while benefiting from advantageous tax conditions.
The IBKR Advantage
- Create a diversified portfolio of European stocks, ETFs and Funds while benefiting from an advantageous tax envelope. After five years of holding the PEA, withdrawals are exempt from capital gains tax but remain subject to social security contributions.
- A payment ceiling of up to €150,000
- Broad access to European markets:
- France
- Germany
- Belgium
- Italy
- Spain
- Sweden
- The Netherlands
- Norway
- Austria
- Denmark
- Portugal
- Poland
- Hungary
- Czech Republic
- Baltics (Estonia, Latvia, Lithuania)
- No PEA opening fees, no account maintenance fees or transfer fees.
- An easy-to-use online portal to manage your deposits and withdrawals with minimal administrative tasks.
- Our cutting-edge technology and sophisticated trading tools allow you to easily create and execute investment strategies from almost any device, desktop or mobile.
- Easy and quick PEA opening with Interactive Brokers. If you already have an account with Interactive Brokers, you can add a PEA in minutes and fund it in seconds.
- A single tax declaration form (IFU) is available for your PEA.
Low Costs1
A PEA at IBKR offers low commissions on PEA-eligible EEA stocks, ETFs and mutual funds.
Brokerage commissions from 0.05%
Zero custody fees
Zero transfer fees
Zero account maintenance fees
IBKR BestXTM is a powerful suite of advanced trading technologies designed to help clients achieve best execution and maximize price improvement while minimizing market impact.
Plan d’Epargne en Actions (PEA) FAQs
Technology for Success
Trading Platforms
Powerful enough for the professional trader but designed for everyone. Available on desktop, mobile and web.
Comprehensive Reporting
Real-time trade confirmations, transaction cost analysis, sophisticated portfolio analysis and more.
Free Trading Tools
Spot market opportunities, analyze your results, manage your account, and make better decisions with our free trading tools.
Free Account Management Tools
Manage your securities transactions, learn about T+1 settlement and trade allocations, and read about additional tools and services available to clients.
Order Types and Algos
100+ order types – from limit orders to complex algorithmic trading – help you execute any trading strategy.
Environmental, Social and Governance (ESG)
ESG scores from Refinitiv give you and your clients a new set of tools for making investment decisions based on more than just financial factors.
PortfolioAnalyst
Link investment, banking, and credit card accounts to get a holistic view of your portfolios and calculate their returns, understand risks, and measure their performance against indices.
A Broker You Can Trust
When placing your money with a broker, you need to make sure your broker is secure and can endure through good and bad times. Our strong capital position, conservative balance sheet and automated risk controls are designed to protect IBKR and our clients from large trading losses.
IBKR
Nasdaq Listed
$16.1B
Equity Capital*
74.2%
Privately Held*
$11.7B
Excess Regulatory Capital*
3.12M
Client Accounts*
2.70M
Daily Avg Revenue Trades*
IBKR Protection
Interactive Brokers Group and its affiliates. For additional information view our Investors Relations - Earnings Release section.
Plan d’Epargne en Actions (PEA) Account Structure
The account must be held by a natural person, and each person is only allowed one PEA account. The maximum lifetime contribution to a PEA account is €150,000. All contributions to the plan are cash-only and must be denominated in EUR. The PEA is an envelope intended to encourage investment in French and European equities. The account allows to invest in stocks, ETFs and Funds.
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Individual User
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Optional 2nd User
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PEA Account
Open a PEA Account
To open a PEA account, you must be a French tax-resident citizen aged 18 or older. The PEA account can be requested as part of the account application process or from the User ("Head/Shoulders" icon) > Settings > Open an Additional Account > Individual Brokerage Accounts > PEA menu in Client Portal. You must provide details on your birth city and birth department code when opening the account and will need to answer questions as to whether you already have a PEA account.
Request PEA Account from Client Portal
Disclosures
- Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
- Lower investment costs will increase your overall return on investment, but lower costs do not guarantee that your investment will be profitable.
- Lowest Cost Broker according to StockBrokers.com Online Broker Survey 2023: Read the full article Online Broker Reviews, May 18, 2023. "Because Interactive Brokers' core clientele are professional traders and institutional investors (e.g., hedge funds), it is crucial to provide the lowest commissions schedule available. In our rigorous assessment, there is no question Interactive Brokers delivers."
- Interactive Brokers Group and its affiliates. For additional information view our Investors Relations - Earnings Release section.