tevenssteven Answer to both of your questions: yes. If we would (unrealistically) assume that your assets do not change in value at all and are exactly worth 1000 Euros for every day of the year, then bunq would take out 82 cents every month, leading to total costs of 9.90 Euros after a year. If you assets appreciate in value, then the cost would be proportionally higher, and should they decrease in value, the costs would be lower. Every day the value of all of your assets combined is measured and the mean of these values is then used monthly as a basis for the cost calculations.
If we take the historic performance of the stock market as an indication of how future performance might look like (no guarantees here of course, and obviously the robo investor used by Birdee might work differently), then that would mean that your monthly returns are decreased by these fees. By how much exactly also depends a lot on the exact price fluctuations of the underlying assets, so in order to get a better feel for this, I would recommend taking the time and calculating a few example runs in Excel or similar software, as 0.99% p.a. fees calculated monthly does not simply mean that your yearly average returns decrease by exactly that amount.
In the end the call is yours to make if the price is right for you.
