Updated September 29, 2026 · BrokerCue Editorial Team
ActivTrades vs Finhabits
Where ActivTrades and Finhabits differ
| Compare |  ActivTrades |  Finhabits |
|---|---|---|
| Account fee | $0Lower | $120 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, BondsCovers more | Stocks, ETFs |
| Regulators | FCA, SCB, CMVM, FSC, BACEN | U.S. Securities and Exchange Commission (SEC) |
| Investor protection | FSCS up to GBP 85,000 | SIPC up to USD 500,000 |
| Stock trade fee | $0 | Not confirmed |
| Retail accounts that lose money | 84% | Not confirmed |
| Currency conversion fee | 0.5% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Platforms | ActivTrader, MetaTrader 4, MetaTrader 5, TradingView | Not confirmed |
| Account types | Not confirmed | IRA, Roth IRA |
| Interest on cash | 3.3% | Not confirmed |
Same on both: Minimum deposit ($0).
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Key differences
- ActivTrades scores higher overall: 9.4 vs 8.5.
- Regulators: only ActivTrades offers FCA, SCB, CMVM.
- Regulators: only Finhabits offers U.S. Securities and Exchange Commission (SEC).
- Account fee is lower at ActivTrades: $0 vs $120.
- Markets: only ActivTrades offers Forex, CFDs, Crypto.
- Features: only ActivTrades offers Crypto, Demo account, Fractional shares.
Our verdict on each
ActivTrades
ActivTrades suits active share and CFD traders who want broad market access with commission free dealing and flexible platform choice for everyday orders. Minimum deposit sits at $0, stock trade fee sits at $0 and retail accounts that lose money sit at 84%, so careful risk controls remain essential.
Finhabits
Finhabits is a US robo-advisor built for beginners, opening at a minimum deposit of $0 and running managed stocks and etfs portfolios under US regulation. The trade-off is the $120 account fee, which sits on top of the 1% management fee.
Score breakdown
| Area | ActivTrades | Finhabits |
|---|---|---|
| Cost | 9.3HigherAccount fee sits at $0 so holding costs stay contained | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. |
| Offer | 9.6HigherCoverage spans stocks, ETFs and forex across shares and leveraged products | 8.9 |
| Trust | 9.5HigherOversight includes FCA, SCB and CMVM with FCA cover for reassurance | 8.7 |
How they place
| Ranking | ActivTrades | Finhabits |
|---|---|---|
| Stock and ETF brokers | 1 of 471 | 213 of 471 |
Sources behind this comparison
ActivTrades
- activtrades.com: 12 facts, checked September 28, 2026
- help.activtrades.com: 1 fact, checked September 29, 2026
Finhabits
- finhabits.com: 9 facts, checked September 26, 2026
- finder.com: 1 fact, checked September 26, 2026
- flexoffers.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | ActivTrades | Finhabits |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Mobile appCovers more | Mobile app |
| Pricing model | Commission free | Not confirmed |
| Audience | Not confirmed | Beginners |
| Legal entity | Not confirmed | Finhabits, Inc. |
| Headquarters | Not confirmed | United States |
| Support channels | Not confirmed | Email, Phone, Help centre |
Where each stands against the rest
| Fact | ActivTrades | Finhabits | Median |
|---|---|---|---|
| Minimum deposit | $0below the median | $0below the median | $25 |
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Account fee | $0at the median | $120highest quarter | $0 |
| Retail accounts that lose money | 84%highest quarter | Not confirmed | 72.05% |
| Currency conversion fee | 0.5%above the median | Not confirmed | 0.45% |
| Interest on cash | 3.3%above the median | Not confirmed | 3% |
Median across 134 listed brokers.
Pros and cons
ActivTrades
Pros
- Stock trade fee sits at $0 for share dealing under commission free
- Minimum deposit sits at $0, below eToro at $50
- Funding terms read Free deposits and withdrawals for deposits and withdrawals
Cons
- Retail accounts that lose money sit at 84%, above the CFD median at 72.05%
- Currency conversion on funding costs 0.5% for balances held in other currencies
- Cash interest sits at 3.3%, which limits appeal for cash heavy portfolios
Finhabits
Pros
- Regulated by the U.S. Securities and Exchange Commission, with investor protection listed as SIPC up to USD 500,000.
- Support runs on email, phone and help centre, so help is easy to reach.
- The portfolio build is etf focused, with picks made for you across stocks and etfs.
Cons
- The $120 account fee is the sting, sitting on top of the 1% management fee.
- The range is limited to stocks and etfs, so there is no wider asset choice.
- Account types come down to ira and roth ira options at a brand based in the United States.
Who each suits
ActivTrades
Who it suits
- New traders starting modestly with entry at $0 and practice via crypto, demo account and fractional shares
- Share traders wanting dealing at $0 across stocks, ETFs and forex with platform choice
- CFD traders wanting structured support via email, chat and phone where funding reads Free deposits and withdrawals
Who should look elsewhere
- Traders wanting crypto led dealing with very low cash entry may prefer Kraken at $1
- Traders wanting social and copy features may prefer eToro despite higher entry at $50
Finhabits
Who it suits
- US beginners, since the service is built for beginners.
- Savers who want the holdings chosen for them across stocks and etfs.
- People already investing for retirement, matching the ira and roth ira list.
Who should look elsewhere
- Readers who want to pay nothing on management can start with eToro, where the fee is 0%.
- Anyone after a wider fee band should look at Vivid Standard, at 0.5% to 1.5%.
- Investors who treat the protection scheme as the deciding factor can also check Axos Invest, which names SIPC.
Country by country
| Country | ActivTrades | Finhabits |
|---|---|---|
| United States | No | Yes |
Questions about each
ActivTrades
What does ActivTrades charge for stock trades?+
Stock trade fee sits at $0 for share dealing. The pricing model is described by commission free, which helps keep ticket costs predictable for equity orders. Spreads and conversion charges can still apply on leveraged trades, so review order previews and statements before dealing.
Is ActivTrades regulated and safe?+
Oversight comes via FCA, SCB and CMVM, including FCA cover alongside other regional entities. Eligible balances carry protection at FSCS up to GBP 85,000. Protection applies under scheme rules and by entity, so confirm which entity serves your account during signup and keep account records.
Finhabits
What does Finhabits cost to run an account?+
Finhabits charges a management fee of 1% on the portfolio and an account fee of $120. The account fee is the part to watch, since it is a flat charge on top of the percentage. The median management fee across the robo-advisors compared here is 0.35%.
How much do I need to put in before I can start?+
The minimum deposit is $0, so there is no floor to clear before saving begins. Accounts come as ira and roth ira options, which decides the wrapper you hold. The listed feature is mobile app, so the app is the main way in.
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