Updated September 29, 2026 · BrokerCue Editorial Team
Fineco Bank vs Freetrade
What sets them apart
| Compare |  Fineco Bank |  Freetrade |
|---|---|---|
| Stock trade fee | $3.95 | £0 |
| Markets | Stocks, ETFs, CFDs, Options, Futures, Crypto, Bonds | Stocks, ETFs, Bonds, Funds |
| Regulators | Bank of Italy, Consob | Financial Conduct Authority (FCA) |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Platforms | FinecoX | App, Web |
| Minimum deposit | Not confirmed | £1 |
| Account fee | Not confirmed | £0 |
| Currency conversion fee | Not confirmed | 0.99% |
| Account types | Not confirmed | ISA, SIPP, Jisa |
| Interest on cash | Not confirmed | 1% |
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Key differences
- Fineco Bank scores higher overall: 9.0 vs 8.8.
- Regulators: only Fineco Bank offers Bank of Italy, Consob.
- Regulators: only Freetrade offers Financial Conduct Authority (FCA).
- Markets: only Fineco Bank offers CFDs, Options, Futures.
- Markets: only Freetrade offers Funds.
- Platforms: only Fineco Bank offers FinecoX.
- Platforms: only Freetrade offers App, Web.
- Features: only Fineco Bank offers Crypto.
- Features: only Freetrade offers Fractional shares, Mobile app, Demo account.
Our verdict on each
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.
Freetrade
Freetrade suits UK beginners who want to buy shares, ETFs, bonds and funds without paying a dealing charge or an annual account fee. Regulation sits with the Financial Conduct Authority and holdings are covered by the FSCS, though a currency conversion fee of 0.99% applies and support runs on email, chat and help centre only.
Score breakdown
| Area | Fineco Bank | Freetrade |
|---|---|---|
| Cost | 8.4The stock trade fee of $3.95 ranks 133 of 161 brands, above the site median of €0. | 9.0HigherStock trade fees of £0 and an account fee of £0 sit alongside a 0.99% currency conversion charge. |
| Offer | 9.1 | 9.1A UK platform with isa, sipp and jisa accounts, plus a demo account, fractional shares and stocks, etfs and bonds. |
| Trust | 9.5Higher | 8.5 |
Where they rank in our lists
| Ranking | Fineco Bank | Freetrade |
|---|---|---|
| Stock and ETF brokers | 139 of 471 | 179 of 471 |
Licences and countries
| Country | Fineco Bank | Freetrade |
|---|---|---|
| Italy | Not confirmed | |
| United Kingdom | Not confirmed |
Additional countries for Fineco Bank: 1. Additional countries for Freetrade: 1.
Side by side, item by item
| Markets | Fineco Bank | Freetrade |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| CFDs | Yes | No |
| Options | Yes | No |
| Futures | Yes | No |
| Crypto | Yes | No |
| Bonds | Yes | Yes |
| Funds | No | Yes |
Where these facts come from
Fineco Bank
- uk.finecobank.com: 4 facts, checked September 26, 2026
- it.finecobank.com: 3 facts, checked September 26, 2026
- 55brokers.com: 1 fact, checked September 26, 2026
Freetrade
- freetrade.io: 14 facts, checked September 26, 2026
- en.wikipedia.org: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | Fineco Bank | Freetrade |
|---|---|---|
| Features | Crypto | Fractional shares, Mobile app, Demo account |
| Pricing model | Not confirmed | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | FinecoBank S.p.A. | Freetrade Limited |
| Headquarters | Italy | United Kingdom |
| Founded | Not confirmed | 2016 |
| Support channels | Not confirmed | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Fineco Bank | Freetrade | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | £1below the median | £20 |
| Account fee | Not confirmed | £0at the median | £0 |
| Currency conversion fee | Not confirmed | 0.99%highest quarter | 0.45% |
| Interest on cash | Not confirmed | 1%lowest quarter | 3% |
Median across 43 listed brokers.
Pros and cons
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
Freetrade
Pros
- Dealing commission of £0 and an account fee of £0 keep the running cost of an ISA, SIPP or Junior ISA low.
- Regulated by the Financial Conduct Authority in the UK, with protection stated as FSCS up to GBP 85,000.
- Fractional shares and a demo account let you size positions in small amounts and practise before committing money.
Cons
- A currency conversion fee of 0.99% applies whenever you hold investments in more than one currency.
- Support runs on email, chat and help centre only, with no phone line listed for account or transfer questions.
- The account range is limited to isa, sipp and jisa, so there is no general investment account for shares outside a wrapper.
Who each suits
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
Freetrade
Who it suits
- UK beginners opening a stocks and shares ISA or Junior ISA with small monthly amounts
- Long-term investors who want to hold a simple share and ETF portfolio without a dealing charge
- SIPP holders who prefer an app and web platform to a phone-only service
Who should look elsewhere
- People who need a general investment account outside a tax wrapper
- Investors who trade frequently in several currencies, because the 0.99% conversion fee applies each time
- Anyone who wants to speak to support by phone, as support runs on email, chat and help centre only
Country by country
| Country | Fineco Bank | Freetrade |
|---|---|---|
| Italy | Yes | No |
| United Kingdom | No | Yes |
Questions about each
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.
Freetrade
How much does it cost to buy shares on Freetrade?+
The dealing charge is £0 and the account fee is £0. Those two cover the trading and holding side of a stocks and shares ISA, SIPP or Junior ISA. The charge that appears is currency conversion at 0.99%, which only shows up if part of your portfolio sits in another currency.
Who regulates Freetrade and is my money protected?+
Freetrade Limited is regulated in the UK by the Financial Conduct Authority, with register reference 783189. Protection for eligible holdings is stated as FSCS up to GBP 85,000, which is the ceiling the scheme pays if the firm cannot return your money. It covers firm failure rather than market losses.
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