Updated September 29, 2026 · BrokerCue Editorial Team
Fineco Bank vs FXTM
What sets them apart
| Compare |  Fineco Bank | FXTM ReviewSee alternativesSee alternatives |
|---|---|---|
| Markets | Stocks, ETFs, CFDs, Options, Futures, Crypto, Bonds | Stocks, ETFs, Forex, CFDs, Futures, Crypto, Bonds, Metals |
| Regulators | Bank of Italy, Consob | FCA, CySEC |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Platforms | FinecoX | Desktop, Mobile App, MetaTrader 4, MetaTrader 5 |
| Minimum deposit | Not confirmed | $10 |
| Stock trade fee | $3.95 | Not confirmed |
| Inactivity fee | Not confirmed | $5 |
| Retail accounts that lose money | Not confirmed | 88% |
| Deposit and withdrawal fees | Not confirmed | No deposit fees; withdrawal fees vary by method |
| Maximum retail leverage | Not confirmed | 1:2000 |
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Key differences
- FXTM scores higher overall: 9.3 vs 9.0.
- Regulators: only Fineco Bank offers Bank of Italy, Consob.
- Regulators: only FXTM offers FCA, CySEC.
- FXTM is licensed in 1 more country.
- Markets: only Fineco Bank offers Options.
- Markets: only FXTM offers Forex, Metals.
- Platforms: only Fineco Bank offers FinecoX.
- Platforms: only FXTM offers Desktop, Mobile App, MetaTrader 4.
- Features: only FXTM offers Demo account, Copy trading, Mobile app.
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.
FXTM
FXTM suits traders who want forex, CFDs, futures, crypto and shares under one account, with retail leverage of 1:2000 and dual regulation behind the money. Costs are the compromise: entry is light, but support runs on help centre only, and a dormant account is charged rather than left free.
Score breakdown
| Area | Fineco Bank | FXTM |
|---|---|---|
| Cost | 8.4The stock trade fee of $3.95 ranks 133 of 161 brands, above the site median of €0. | 9.0HigherEntry costs are light, with a $10 starting deposit and No deposit fees; withdrawal fees vary by method, though dormant accounts pay $5. |
| Offer | 9.1 | 9.3Higher |
| Trust | 9.5 | 9.5 |
Side by side, item by item
| Markets | Fineco Bank | FXTM |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | Yes | Yes |
| Options | Yes | No |
| Futures | Yes | Yes |
| Crypto | Yes | Yes |
| Bonds | Yes | Yes |
| Metals | No | Yes |
Positions in our rankings
| Ranking | Fineco Bank | FXTM |
|---|---|---|
| Stock and ETF brokers | 139 of 471 | 68 of 471 |
| CFD brokers | 48 of 122 | 24 of 122 |
| Futures trading platforms | 36 of 82 | 16 of 82 |
Every fact side by side
| Fact | Fineco Bank | FXTM |
|---|---|---|
| Features | Crypto | Demo account, Copy trading, Mobile app, CryptoCovers more |
| Legal entity | FinecoBank S.p.A. | Not confirmed |
| Headquarters | Italy | Not confirmed |
| Support channels | Not confirmed | Help centre |
Where each stands against the rest
| Fact | Fineco Bank | FXTM | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | $10below the median | $25 |
| Stock trade fee | $3.95highest quarter | Not confirmed | $0 |
| Inactivity fee | Not confirmed | $5above the median | $0 |
| Retail accounts that lose money | Not confirmed | 88%highest quarter | 72.05% |
Median across 134 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
FXTM
Pros
- One account spans stocks, etfs and forex.
- The FCA and CySEC both appear under FCA and CySEC, with FSCS up to GBP 85,000 for UK clients.
- Trading runs on Desktop, Mobile App and MetaTrader 4, and demo account, copy trading and mobile app adds a demo account and copy trading.
Cons
- Dormant balances are charged $5, a cost active traders never meet.
- Support runs on help centre only.
- Leverage of 1:2000 magnifies losses, and 88% of retail accounts lose money.
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
FXTM
Who it suits
- Traders who want forex, CFDs, futures, crypto and shares in one place from a $10 start.
- Newcomers who want a demo account and copy trading through demo account, copy trading and mobile app.
- Clients who want regulation in the UK and Cyprus under FCA and CySEC.
Who should look elsewhere
- Anyone who wants to open with nothing: CFI has a $0 minimum.
- Traders focused on shares, ETFs and crypto rather than bonds and metals: eToro's markets are stocks, etfs and forex.
- Small accounts wanting a cheaper opening: Vantage starts at $5.
Country by country
| Country | Fineco Bank | FXTM |
|---|---|---|
| Italy | Yes | No |
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.
FXTM
What does it cost to open and keep an FXTM account?+
Opening an account starts at $10, and the deposit and withdrawal terms read No deposit fees; withdrawal fees vary by method. The fee to watch is the inactivity charge of $5, which bites once an account sits idle, so running costs stay low only while you keep trading.
Is my money protected at FXTM?+
FXTM is regulated by the FCA and CySEC, and the investor protection stated is FSCS up to GBP 85,000. That cover sits with the regulated entity holding the account, so check which one your account is opened with before treating the protection as your own.
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