Updated September 29, 2026 · BrokerCue Editorial Team
Fineco Bank vs Kraken
Where Fineco Bank and Kraken differ
| Compare |  Fineco Bank |  Kraken |
|---|---|---|
| Stock trade fee | $3.95 | $0Lower |
| Markets | Stocks, ETFs, CFDs, Options, Futures, Crypto, Bonds | Stocks, ETFs, Forex, Crypto, Futures |
| Regulators | Bank of Italy, Consob | Central Bank of Ireland, Cyprus Securities and Exchange Commission, Financial Conduct Authority, Financial Crimes Enforcement Network, Central Bank of Ireland (CBI) |
| Platforms | FinecoX | Kraken App, Kraken Pro, Kraken Desktop, Kraken Wallet |
| Minimum deposit | Not confirmed | $1 |
| Deposit and withdrawal fees | Not confirmed | Free bank deposits, card 3.75% + 0.25 |
| Maximum retail leverage | Not confirmed | Up to 10x |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Kraken scores higher overall: 9.2 vs 9.0.
- Regulators: only Fineco Bank offers Bank of Italy, Consob.
- Regulators: only Kraken offers Central Bank of Ireland, Cyprus Securities and Exchange Commission, Financial Conduct Authority.
- Kraken is licensed in 1 more country.
- Stock trade fee is lower at Kraken: $0 vs $3.95.
- Markets: only Fineco Bank offers CFDs, Options, Bonds.
- Markets: only Kraken offers Forex.
- Platforms: only Fineco Bank offers FinecoX.
- Platforms: only Kraken offers Kraken App, Kraken Pro, Kraken Desktop.
- Features: only Kraken offers 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.
Kraken
Kraken suits beginners and experienced investors who want stocks, ETFs and crypto together through app and desktop access. Stock dealing is priced at $0 with entry at $1 and funding terms shown as Free bank deposits, card 3.75% + 0.25 for cost planning across small balance accounts.
Score breakdown
| Area | Fineco Bank | Kraken |
|---|---|---|
| Cost | 8.4The stock trade fee of $3.95 ranks 133 of 161 brands, above the site median of €0. | 9.3HigherStock dealing is priced at $0 with entry at $1. |
| Offer | 9.1Higher | 9.0Coverage spans stocks, ETFs and forex accessed through Kraken App, Kraken Pro and Kraken Desktop. |
| Trust | 9.5Higher | 9.3Registers cite 1010381 and 31000270997766. |
Where each is licensed and available
| Country | Fineco Bank | Kraken |
|---|---|---|
| Ireland | Not confirmed | Central Bank of Ireland (CBI) MiCA CASP 9845003D98SCC2851458 IE_CBI PSD_EMI IE_CBI!C453020 |
| Italy | Not confirmed | |
| United States | Not confirmed | SIPC SIPC member 71030 |
Side by side, item by item
| Markets | Fineco Bank | Kraken |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | Yes | No |
| Options | Yes | No |
| Futures | Yes | Yes |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
How they place
| Ranking | Fineco Bank | Kraken |
|---|---|---|
| Stock and ETF brokers | 139 of 471 | 16 of 471 |
| Futures trading platforms | 36 of 82 | 4 of 82 |
What we checked
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
Kraken
- kraken.com: 9 facts, checked September 28, 2026
- support.kraken.com: 2 facts, checked September 28, 2026
Every fact side by side
| Fact | Fineco Bank | Kraken |
|---|---|---|
| Features | Crypto | Crypto, Mobile appCovers more |
| Pricing model | Not confirmed | Commission free |
| Audience | Not confirmed | Beginners, Experienced |
| Legal entity | FinecoBank S.p.A. | Not confirmed |
| Headquarters | Italy | Not confirmed |
Where each stands against the rest
| Fact | Fineco Bank | Kraken | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | $1below the median | $25 |
| Stock trade fee | $3.95highest quarter | $0at the median | $0 |
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
Kraken
Pros
- Stock trades priced at $0 within a model shown as commission free.
- Entry at $1, below $50 at eToro for smaller starting balances.
- Coverage spans stocks, ETFs and forex, pairing stocks and ETFs with crypto and futures.
Cons
- Support runs on help centre only, without phone or live chat help found at many rivals.
- Card funding terms run Free bank deposits, card 3.75% + 0.25, which adds cost next to bank transfer options.
- Entry at $1 sits above $0 at ActivTrades and €0 at XTB for tight budgets.
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
Kraken
Who it suits
- You want stocks plus crypto in stocks, ETFs and forex in a single login rather than an equity only account at XTB.
- You want app led dealing through Kraken App, Kraken Pro and Kraken Desktop with modest entry at $1 rather than higher entry at eToro at $50.
Who should look elsewhere
- You want phone or chat help rather than help centre only, consider XTB or ActivTrades for wider contact choice.
- You want the lowest cash entry rather than $1, consider ActivTrades at $0 or XTB at €0.
Country by country
| Country | Fineco Bank | Kraken |
|---|---|---|
| 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.
Kraken
What does Kraken charge for stock trades+
Stock dealing is priced at $0 and Kraken describes its model as commission free. Bank funding is framed separately as Free bank deposits, card 3.75% + 0.25, so card use adds cost while bank transfer terms remain distinct. Check the fee schedule before placing orders.
What is the minimum deposit to open an account+
Account entry is set at $1. That level sits below $50 at eToro, yet above $0 at ActivTrades and €0 at XTB. It keeps starting balances modest while leaving room for funding charges.
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