Updated September 29, 2026 · BrokerCue Editorial Team
Capital.com vs Fineco Bank
Capital.com vs Fineco Bank: the differences
| Compare |  Capital.com |  Fineco Bank |
|---|---|---|
| Stock trade fee | $0Lower | $3.95 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Bonds, Spread betting | Stocks, ETFs, CFDs, Options, Futures, Crypto, Bonds |
| Regulators | FCA, Cyprus Securities and Exchange Commission (CySEC) | Bank of Italy, Consob |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Platforms | Web platform, Mobile app, MT4, TradingView | FinecoX |
| Minimum deposit | £20 | Not confirmed |
| Account fee | £0 | Not confirmed |
| Inactivity fee | £0 | Not confirmed |
| Retail accounts that lose money | 65% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Maximum retail leverage | 1:30 | Not confirmed |
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Key differences
- Capital.com scores higher overall: 9.3 vs 9.0.
- Regulators: only Capital.com offers FCA, Cyprus Securities and Exchange Commission (CySEC).
- Regulators: only Fineco Bank offers Bank of Italy, Consob.
- Capital.com is licensed in 1 more country.
- Stock trade fee is lower at Capital.com: $0 vs $3.95.
- Markets: only Capital.com offers Forex, Spread betting.
- Markets: only Fineco Bank offers Options, Futures.
- Platforms: only Capital.com offers Web platform, Mobile app, MT4.
- Platforms: only Fineco Bank offers FinecoX.
- Features: only Capital.com offers Demo account, Mobile app.
Our verdict on each
Capital.com
Capital.com suits traders who want one account across shares, forex, CFDs, crypto and bonds without a monthly or inactivity charge. UK clients sit under FCA regulation with FSCS protection of FSCS up to GBP 85,000. The minimum deposit of £20 is the only cost barrier, above CFI at $0.
Fineco Bank
Fineco Bank is an Italian bank with a brokerage attached, so money and trading sit under one roof. It suits investors who want shares, bonds and derivatives in a single account, and less suits anyone shopping on the stock trade fee, which stands at $3.95.
Score breakdown
| Area | Capital.com | Fineco Bank |
|---|---|---|
| Cost | 9.2HigherAccount fee of £0, stock trade fee of $0 and no inactivity charge, with free deposits and withdrawals. | 8.4The stock trade fee of $3.95 ranks 133 of 161 brands, above the site median of €0. |
| Offer | 9.5Higher | 9.1 |
| Trust | 9.1 | 9.5Higher |
How they place
| Ranking | Capital.com | Fineco Bank |
|---|---|---|
| Stock and ETF brokers | 65 of 471 | 139 of 471 |
| CFD brokers | 22 of 122 | 48 of 122 |
Pick Capital.com if, pick Fineco Bank if
Pick Capital.com if cost, offer, and stock trade fee matter most.
Pick Fineco Bank if trust matter most.
Licences and countries
| Country | Capital.com | Fineco Bank |
|---|---|---|
| Cyprus | CySEC HE 354252 Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 984500C46B3B7B69Y904 | Not confirmed |
| Italy | Not confirmed | |
| United Kingdom | FCA 793714 | Not confirmed |
What each covers
| Markets | Capital.com | Fineco Bank |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| CFDs | Yes | Yes |
| Options | No | Yes |
| Futures | No | Yes |
| Crypto | Yes | Yes |
| Bonds | Yes | Yes |
| Spread betting | Yes | No |
Every fact side by side
| Fact | Capital.com | Fineco Bank |
|---|---|---|
| Features | Demo account, Mobile app | Crypto |
| Pricing model | Commission free, Low fees | Not confirmed |
| Legal entity | CAPITAL VAULT LTD | FinecoBank S.p.A. |
| Headquarters | Cyprus | Italy |
| Founded | 2016 | Not confirmed |
| Support channels | Chat, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Capital.com | Fineco Bank | Median |
|---|---|---|---|
| Minimum deposit | £20at the median | Not confirmed | £20 |
| Stock trade fee | $0at the median | $3.95highest quarter | $0 |
| Account fee | £0at the median | Not confirmed | £0 |
| Retail accounts that lose money | 65%lowest quarter | Not confirmed | 72.05% |
Median across 91 listed brokers.
Pros and cons
Capital.com
Pros
- No account fee at all, which puts it joint first on that measure in our data (£0).
- No inactivity charge, also joint first in our data, so an unused balance is not quietly billed (£0).
- Stock trades cost $0 under a commission-free model.
Cons
- The minimum deposit of £20 is far higher than CFI, which asks for $0.
- Support runs on chat and help centre, so there is no phone line for questions about a leveraged position.
- Retail accounts lose 65% of money, and the market is open around the clock.
Fineco Bank
Pros
- One account covers stocks, etfs and cfds through the FinecoX platform
- Regulated by the Bank of Italy and Consob, with investor protection of EU ICS up to EUR 20,000
- The account is run by FinecoBank S.p.A., an Italian banking entity rather than a trading desk
Cons
- A stock trade fee of $3.95 puts it 133 of 161 brands on share dealing
- eToro's stock trade fee is $0, so per trade cost here is the weaker point
Who each suits
Capital.com
Who it suits
- Traders who want shares, forex, CFDs, crypto and bonds in one account
- UK residents who want FSCS protection alongside a CySEC regulated entity
- People who keep a balance and would otherwise pay inactivity fees
Who should look elsewhere
- eToro, if you want a social platform with copy trading
- Vantage, if you would rather start from a smaller deposit of $5
Fineco Bank
Who it suits
- Investors who want shares, bonds and derivatives in one account rather than several platforms
- People who prefer their cash held by a licensed bank under EU investor protection
- Italian residents who want a bank relationship that includes a brokerage arm
Who should look elsewhere
- Traders shopping on the per trade cost, who would find eToro's $0 lighter than $3.95
- Readers wanting forex and metals in the same account, which points to Vantage and its forex, cfds and stocks
Country by country
| Country | Capital.com | Fineco Bank |
|---|---|---|
| Italy | No | Yes |
Questions about each
Capital.com
What is the minimum deposit at Capital.com?+
The minimum deposit is £20 in the UK. That is higher than CFI at $0 and Vantage at $5. Clients who want a smaller opening balance may prefer a rival on that measure.
What does it cost to open and hold an account?+
There is no account fee, so the account costs £0. There is also no inactivity charge, at £0. Both rank the brand joint first on our data, so an unused balance is not billed.
Fineco Bank
What does it cost to buy shares?+
The stock trade fee is $3.95, which places Fineco Bank 133 of 161 brands on that measure. The site median for share dealing is €0, so this is a priced dealing model rather than a commission-free one. Small tickets feel the difference quickly.
Who regulates Fineco Bank?+
Fineco Bank is regulated by the Bank of Italy and by Consob, which is the pair listed under Bank of Italy and Consob. Both are Italian, so the account is supervised in Italy. A UK or European reader therefore opens an Italian bank's account, governed by Italian rules rather than a home market regime.
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