Why Is Vest Changing Its Commission Model?
At Vest, our mission is to be your partner in building your financial freedom. To fulfill this promise, we are investing heavily in innovation, launching the Digital USD Card, Vest's AI, and the advanced Data Center, and much more.
To maintain this pace of innovation, accelerate the growth of our team, and better support our most loyal customers, we are introducing Vest Points, our rewards program that replaces the current quarterly fee model.
What Are Vest Points?
Vest Points is our new rewards program designed to give you control over your investment experience.
Instead of a quarterly maintenance fee, you now have the opportunity to reach zero fees ($0 USD) every month, simply by fulfilling key activities within the platform.
When Does the New Model Take Effect?
The new fee model will come into effect on November 7, 2025. You should remember two key elements:
Point Accumulation: By completing key actions on Vest, you will accumulate points. You can start accumulating points today.
First Charge: The first monthly Platform Fee will be applied on November 17, 2025, and will be based on the points you have accumulated from today until that date.
How does Vest Points work?
The goal of Vest Points is simple: accumulate points monthly to use Vest with zero fees. The total number of points will depend on your personal situation.
If you are a user eligible to participate in the Stock Lending program (FPSL), you must achieve the goal of 100 Vest Points = $0 USD Platform Fee
Points Earned | Monthly Charge |
100 Vest Points or more | $0 USD (Commission-free) |
1 – 99 Vest Points | $2 USD charge |
0 Vest Points | $3 USD charge |
If you are a user not eligible to participate in the Stock Lending program (FPSL) you must achieve the goal of 50 Vest Points = $0 USD Platform Fee
Points Earned | Monthly Charge |
50 Vest Points or more | $0 USD (Commission-free) |
1 – 49 Vest Points | $2 USD charge |
0 Vest Points | $3 USD charge |
How Do I Earn Vest Points?
There are several easy ways to get points:
Earning Criteria | Points |
|
Maintain an account balance of $5,000 USD or more | 50 Vest Points | These points renew monthly if you maintain the required balance. |
Enroll in the Fully Paid Stock Lending (FPSL) program | 50 Vest Points | These points renew monthly as long as you remain enrolled.(*) |
Refer a friend who opens and funds their account | 50 Vest Points per friend | In this case, points accumulate. If you refer four friends who deposit funds, you'll earn 200 points. |
Deposits to your account or Vest Card of USD 20 or more, provided your total portfolio value is less than USD 5,000.
| 50 Vest Points | You will receive the points upon reaching the deposit threshold by making one or more deposits (either to your investment account or directly to your Vest Card) totaling USD 20 or more during the cycle.
Important:
|
Note: The FPSL program isn't as complicated as it sounds. [Read here for more details] on how it works and its benefits.
Other Vest Points Considerations
Fee Waiver (Freebie): You will have one Fee Waiver (Freebie) every semester. You can activate it in the Vest Points Center, and it will allow you to avoid one month's fee (it will be available starting in 2026).
Point Management: The new "Vest Points" section is available in your Vest app and Vest Web. By going to your Profile and then to the Vest Points section, you can view your point balance and ways to earn more.
(*) An exception is made if you requested adherence to the program and, due to operational, regulatory and risk criteria, you are not eligible, in which case you will receive the 50 points. This can be avoided if your criteria change.