I am about to open a "new" bank account.

I am going thorougly through the terms and conditions and fees (don´t trust, verify).

Seriously: it is a huge costfactor. 4,90 € a month?

Also imagine I would like to open a "trading depot" to buy a bitcoin etf instead of the coin directly: I have to pay 25% capital gains tax on it if I will ever sell.

Why would I do that? Doesn´t make sense.