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Brokerage Charges, Does It Matter For Beginners? What kind of Demat account? Most traditional brokers offer the 2-in-1 account as it incorporates the DP too. The banks are the ones usually offering 3-in-1 accounts but they are not that big in the research aspect. These days with account linking and UPI, it is easy as pie to transfer money between accounts. Choose the broker who offers the 2-in-1 account opening.