Updated September 28, 2026 · BrokerCue Editorial Team
Fineco Bank vs Public
Fineco Bank vs Public: the differences
| Compare |  Fineco Bank |  Public |
|---|---|---|
| Stock trade fee | $3.95 | $0Lower |
| Markets | Stocks, ETFs, CFDs, Options, Futures, Crypto, BondsCovers more | Stocks, ETFs, Crypto, Options, Bonds |
| Regulators | Bank of Italy, Consob | FINRA, SEC |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Minimum deposit | Not confirmed | $0 |
| Margin rate | Not confirmed | 4.2% |
| Options contract fee | Not confirmed | $0.060 to $0.18 |
| Platforms | FinecoX | Not confirmed |
| Account types | Not confirmed | IRA, Roth IRA |
| Interest on cash | Not confirmed | 3.3% |
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Key differences
- Public scores higher overall: 9.4 vs 9.0.
- Regulators: only Fineco Bank offers Bank of Italy, Consob.
- Regulators: only Public offers FINRA, SEC.
- Stock trade fee is lower at Public: $0 vs $3.95.
- Markets: only Fineco Bank offers CFDs, Futures.
- Features: only Public offers Fractional shares, Options, 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.
Public
Public suits people building a retirement account who care most about what a trade costs and where the money sits. Stock trades are $0, the account opens from $0, and protection runs to SIPC up to USD 500,000 in the US.
Score breakdown
| Area | Fineco Bank | Public |
|---|---|---|
| Cost | 8.4The stock trade fee of $3.95 ranks 133 of 161 brands, above the site median of €0. | 9.6HigherStock trades cost $0, options contracts run $0.06 to $0.18 and margin borrowing starts at 4.2%. |
| Offer | 9.1 | 9.2HigherA ira and roth ira account covers stocks, etfs and crypto plus a mobile app and fractional shares. |
| Trust | 9.5 | 9.5 |
Feature by feature
| Markets | Fineco Bank | Public |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| CFDs | Yes | No |
| Options | Yes | Yes |
| Futures | Yes | No |
| Crypto | Yes | Yes |
| Bonds | Yes | Yes |
How they place
| Ranking | Fineco Bank | Public |
|---|---|---|
| Stock and ETF brokers | 139 of 471 | 58 of 471 |
| Options trading platforms | 51 of 103 | 16 of 103 |
Every fact side by side
| Fact | Fineco Bank | Public |
|---|---|---|
| Features | Crypto | Crypto, Fractional shares, Options, Mobile appCovers more |
| Pricing model | Not confirmed | Commission free |
| Legal entity | FinecoBank S.p.A. | Open to the Public Investing, Inc. |
| Headquarters | Italy | Not confirmed |
| Support channels | Not confirmed | Email, Help centre |
Where each stands against the rest
| Fact | Fineco Bank | Public | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | $0below the median | $25 |
| Stock trade fee | $3.95highest quarter | $0at the median | $0 |
| Margin rate | Not confirmed | 4.2%lowest quarter | 8.75% |
| Options contract fee | Not confirmed | $0.060 to $0.18lowest quarter | $0.625 |
| Interest on cash | Not confirmed | 3.3%above the median | 3% |
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
Public
Pros
- Stock trades cost $0, so a regular monthly purchase is not eaten by commission.
- The account opens from $0, which is below the €4.64 typical minimum across the brokers on our data.
- Cash parked in the high-yield account earns 3.3% while it waits to be invested.
Cons
- Options contracts add a fee of $0.06 to $0.18 each, on top of the premium you pay for the option itself.
- Margin borrowing runs at 4.2%, so borrowed positions carry an interest charge that keeps accruing.
- Support runs on email and help centre only, so there is no phone line for questions about a transfer or a tax form.
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
Public
Who it suits
- You are saving for retirement in the US and want commission-free stock trades in one account
- You want to hold spare cash at a stated rate while you decide what to buy
- You are starting with small amounts and want fractional shares rather than whole shares
Who should look elsewhere
- You need forex, CFDs or futures, which CFI and eToro both list in stocks, etfs and forex and stocks, etfs and forex
- You want a UK ISA or SIPP wrapper, neither of which appears in ira and roth ira
- You want to talk to a broker on the phone, since support covers email and help centre
Current offers
Public
Current offer
Bonus
Transfer your portfolio. Earn an uncapped 1% match.: 1% match
Source, checked September 26, 2026
Country by country
| Country | Fineco Bank | Public |
|---|---|---|
| Italy | Yes | No |
| United States | 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.
Public
Is Public really commission free for stock trades?+
Yes. A stock trade costs $0, so buying shares itself carries no charge. The costs sit elsewhere: options contracts cost $0.06 to $0.18 each, and margin borrowing runs at 4.2%. A simple monthly share purchase only pays the trade charge of $0.
What is the minimum deposit at Public?+
The minimum deposit is $0, so an account can be opened and funded from a very small amount. That is well under the €4.64 typical minimum across the brokers on our data, where the upper quartile sits at €87.70. No threshold has to be cleared before the first trade.
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