Updated September 29, 2026 · BrokerCue Editorial Team
Exness vs Finhabits
What sets them apart
| Compare |  Exness |  Finhabits |
|---|---|---|
| Minimum deposit | $10 | $0Lower |
| Markets | Stocks, Forex, CFDs, Crypto, Metals | Stocks, ETFs |
| Regulators | FCA, CySEC, FSA Seychelles, FSCA | 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 |
| Account fee | Not confirmed | $120 |
| Inactivity fee | $0 | Not confirmed |
| Deposit and withdrawal fees | no deposit or withdrawal fee | Not confirmed |
| Platforms | MT4, MT5, Exness Terminal, Exness Trade App | Not confirmed |
| Account types | Not confirmed | IRA, Roth IRA |
| Maximum retail leverage | 1:Unlimited | Not confirmed |
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Key differences
- Exness scores higher overall: 9.4 vs 8.5.
- Regulators: only Exness offers FCA, CySEC, FSA Seychelles.
- Regulators: only Finhabits offers U.S. Securities and Exchange Commission (SEC).
- Exness is licensed in 3 more countries.
- Minimum deposit is lower at Finhabits: $0 vs $10.
- Markets: only Exness offers Forex, CFDs, Crypto.
- Markets: only Finhabits offers ETFs.
- Audience: only Exness offers Day traders.
Our verdict on each
Exness
Exness suits beginners and day traders who want to place stock trades without a dealing charge, with a stock trade fee of $0 and an inactivity fee of $0. Regulators listed are the FCA, CySEC, the FSA Seychelles and the FSCA, with FSCS up to GBP 85,000 stated for UK clients.
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 | Exness | Finhabits |
|---|---|---|
| Cost | 9.3Higher | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. |
| Offer | 9.6Higher | 8.9 |
| Trust | 9.5Higher | 8.7 |
What each covers
| Markets | Exness | Finhabits |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | No | Yes |
| Forex | Yes | No |
| CFDs | Yes | No |
| Crypto | Yes | No |
| Metals | Yes | No |
Choosing between them
Pick Exness if offer and trust matter most.
Pick Finhabits if minimum deposit matter most.
Availability and regulation
| Country | Exness | Finhabits |
|---|---|---|
| Cyprus | Not confirmed | |
| Seychelles | Not confirmed | |
| South Africa | FSCA 51024 | Not confirmed |
| United Kingdom | Not confirmed | |
| United States | Not confirmed |
How they place
| Ranking | Exness | Finhabits |
|---|---|---|
| Stock and ETF brokers | 54 of 471 | 213 of 471 |
| Brokers for beginners | 18 of 88 | 62 of 88 |
Every fact side by side
| Fact | Exness | Finhabits |
|---|---|---|
| Features | Not confirmed | Mobile app |
| Pricing model | Commission free, Low fees | Not confirmed |
| Audience | Beginners, Day tradersCovers more | Beginners |
| Legal entity | Exness (SC) Ltd | Finhabits, Inc. |
| Headquarters | Cyprus | United States |
| Founded | 2008 | Not confirmed |
| Support channels | Not confirmed | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Exness | Finhabits | Median |
|---|---|---|---|
| Minimum deposit | $10below the median | $0below the median | $25 |
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Account fee | Not confirmed | $120highest quarter | $0 |
| Inactivity fee | $0at the median | Not confirmed | $0 |
Median across 134 listed brokers.
Pros and cons
Exness
Pros
- A $0 stock trade fee, with the pricing model read as commission-free and low-fee.
- An inactivity fee of $0, so a dormant balance is not billed.
- Deposits and withdrawals carry no charge, so moving money costs nothing.
Cons
- Retail leverage is listed at 1:Unlimited, and 70.15% of retail accounts on this site lose money.
- Regulators listed include the FSA Seychelles and the FSCA alongside the FCA and CySEC, so the entity behind an account can differ by market.
- The market list, stocks, forex and cfds, stops short of ETFs and futures, so share investors wanting those should look elsewhere.
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
Exness
Who it suits
- Beginners and day traders, the audiences the brand names.
- Traders who want a $0 stock trade fee and an inactivity fee of $0 on the same account.
- Desktop and mobile users who want to trade across MT4, MT5 and Exness Terminal.
Who should look elsewhere
- CFI, where the minimum deposit is $0.
- Vantage, with a minimum deposit of $5.
- eToro, which also covers ETFs and futures beyond the markets listed here.
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 | Exness | Finhabits |
|---|---|---|
| United States | No | Yes |
Questions about each
Exness
What does Exness charge to buy a stock?+
Share dealing runs at a stock trade fee of $0, and the pricing model is listed as commission-free and low-fee. On this site's stock trade fee ranking Exness sits at 1 of 161, so the per-trade cost sits at the cheap end of the brands compared. Deposits and withdrawals carry no charge either.
Does Exness charge an inactivity fee?+
The inactivity fee is $0, so a dormant account is not billed for sitting still. Exness ranks 1 of 56 on this measure, at the top of the table of brands compared. Some rivals charge for unused accounts, so this saves money for anyone who opens an account and leaves it quiet for a while.
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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