I don’t know why people are always referring to the >100k rule for IB. Yes, you pay 10$ per month if your account has less than 100k on it. BUT: the commission for trades is deducted from those 10$. Hence, you are paying 10$ if you do nothing, but also only pay 10$ if you are doing some trades.
To give you a real world example:
For three buys at DEGIRO (AllWorld, EM, SmallCap), I had to pay ~10.50CHF. Then, for selling the same, another 8CHF. Plus 3CHF for transferring money back to my normal bank account.
In total: 21.50CHF for buying and selling three ETFs
IB instead: buying three ETFS (US, DevelopedWorld, EM) was 3$, changing currency from CHF to USD was 2$. Didn’t sell any of those yet, but it will also only be 1$ most probably.
Those 5$ were deducted (included) from the 10$ monthly account fee, so for 10$ per month I could buy 8 ETFs and change currency.
From my point of view, IB is better even for accounts lower than 100k. You can change 10k CHF to USD for 2$. Good look trying that one with DEGIRO (they don’t have a fixed rate).