Updated September 29, 2026 · BrokerCue Editorial Team
eToro vs Finhabits
What sets them apart
| Compare |  eToro |  Finhabits |
|---|---|---|
| Account fee | $0Lower | $120 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, FuturesCovers more | Stocks, ETFs |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), SIPC | U.S. Securities and Exchange Commission (SEC) |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Account types | ISA | IRA, Roth IRA |
| Minimum deposit | Not confirmed | $0 |
| Stock trade fee | $0 | Not confirmed |
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Key differences
- eToro scores higher overall: 9.2 vs 8.5.
- Regulators: only eToro offers Cyprus Securities and Exchange Commission (CySEC), SIPC.
- Regulators: only Finhabits offers U.S. Securities and Exchange Commission (SEC).
- eToro is licensed in 1 more country.
- Account fee is lower at eToro: $0 vs $120.
- Markets: only eToro offers Forex, CFDs, Crypto.
- Account types: only eToro offers ISA.
- Account types: only Finhabits offers IRA, Roth IRA.
- Support channels: only Finhabits offers Email, Phone.
- Features: only eToro offers Crypto, Demo account, Fractional shares.
Our verdict on each
eToro
eToro suits readers who want to hold shares, ETFs, crypto, forex and CFDs in one app without paying commission on trades. Costs look light on the standard account, with a stock trade fee of $0 and account fee of $0, though the account fee applies to the virtual portfolio rather than every standard account.
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 | eToro | Finhabits |
|---|---|---|
| Cost | 9.3HigherCommission-free pricing with a stock trade fee of $0 and account fee of $0, but currency conversion on non-USD balances sits outside that headline. | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. |
| Offer | 8.8 | 8.9Higher |
| Trust | 9.3Higher | 8.7 |
Where they rank in our lists
| Ranking | eToro | Finhabits |
|---|---|---|
| Stock and ETF brokers | 6 of 471 | 213 of 471 |
| Brokers for beginners | 2 of 88 | 62 of 88 |
| Robo-advisors | 2 of 151 | 93 of 151 |
Licences and countries
| Country | eToro | Finhabits |
|---|---|---|
| United States | SIPC SIPC member 70212 | |
| Cyprus | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 213800GIFQMSV7HROS23 | Not confirmed |
What we checked
eToro
- etoro.com: 9 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 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 | eToro | Finhabits |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Copy trading, Mobile appCovers more | Mobile app |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners | Beginners |
| Legal entity | eToro (Europe) Ltd | Finhabits, Inc. |
| Headquarters | Cyprus | United States |
| Founded | 2007 | Not confirmed |
| Support channels | Help centre | Email, Phone, Help centreCovers more |
Robo-advisors
| Fact | eToro | Finhabits |
|---|---|---|
| Management fee | 0%Lower | 1% |
| Minimum investment | $500 | Not confirmed |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF |
Where each stands against the rest
| Fact | eToro | Finhabits | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | $0below the median | $25 |
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Account fee | $0at the median | $120highest quarter | $0 |
Median across 134 listed brokers.
Pros and cons
eToro
Pros
- No commission on share dealing: stock trade fees are $0
- No account fee on the standard dealing account: $0
- Regulated in Cyprus by the Cyprus Securities and Exchange Commission, and a SIPC member in the US
Cons
- A separate management fee of 0% applies to the managed portfolio service, so headline dealing costs are not the whole bill
- Support runs on help centre only, so there is no stated phone or live chat route for account problems
- The same commission-free model at XTB comes with a stated stock trade fee of €0, so commission alone does not separate the two
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
eToro
Who it suits
- Beginners who want commission-free share dealing plus fractional shares
- Readers who want stocks, ETFs, crypto, forex and CFDs in one place
- Anyone saving in a currency other than US dollars who wants to watch the cost of conversion
Who should look elsewhere
- Readers who want a stated phone or live chat support channel, since support runs on help centre
- Day traders who judge a broker on spreads alone, as no spread figure is listed
- Anyone wanting managed portfolios at no cost, since the management fee is 0%
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 | eToro | Finhabits |
|---|---|---|
| United States | No | Yes |
Questions about each
eToro
What does it cost to buy shares with eToro?+
The stock trade fee is $0, and the account fee is $0. Both sit at the low end of the market, and eToro is ranked at 1 on trade fees and 1 on account fees among the brands compared here. Currency conversion can still apply if your balance is not in the account currency.
Is there an account fee on the standard eToro account?+
The account fee is $0 for the standard dealing account, which is why eToro places at 1 out of 138 brands on that measure. The managed portfolio service is charged differently, at a management fee of 0%, so treat the dealing and portfolio costs as two separate lines.
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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