Updated September 29, 2026 · BrokerCue Editorial Team
Fineco Bank vs Saxo
Where Fineco Bank and Saxo differ
| Compare |  Fineco Bank |  Saxo |
|---|---|---|
| Stock trade fee | $3.95 | $1Lower |
| Markets | Stocks, ETFs, CFDs, Options, Futures, Crypto, Bonds | Stocks, ETFs, Forex, CFDs, Options, Futures, Bonds, Funds |
| Regulators | Bank of Italy, Consob | Danish Financial Supervisory Authority (FSA), Financial Conduct Authority (FCA) |
| Platforms | FinecoX | SaxoInvestor, SaxoTrader |
| Minimum deposit | Not confirmed | CHF 0 |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €0 |
| Retail accounts that lose money | Not confirmed | 64% |
| Currency conversion fee | Not confirmed | 0.25% |
| Options contract fee | Not confirmed | $2 |
| Deposit and withdrawal fees | Not confirmed | Free deposits and withdrawals |
| Account types | Not confirmed | Joint, Corporate |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Saxo scores higher overall: 9.3 vs 9.0.
- Regulators: only Fineco Bank offers Bank of Italy, Consob.
- Regulators: only Saxo offers Danish Financial Supervisory Authority (FSA), Financial Conduct Authority (FCA).
- Saxo is licensed in 1 more country.
- Stock trade fee is lower at Saxo: $1 vs $3.95.
- Markets: only Fineco Bank offers Crypto.
- Markets: only Saxo offers Forex, Funds.
- Platforms: only Fineco Bank offers FinecoX.
- Platforms: only Saxo offers SaxoInvestor, SaxoTrader.
- Features: only Fineco Bank offers Crypto.
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.
Saxo
Saxo suits investors who want a Danish bank with no account or inactivity charge and a wide market list, but the stock trade fee is $1 and the FX fee is 0.25%. Costs stay predictable for long holders, less so for frequent traders.
Score breakdown
| Area | Fineco Bank | Saxo |
|---|---|---|
| Cost | 8.4The stock trade fee of $3.95 ranks 133 of 161 brands, above the site median of €0. | 9.1HigherAccount fee and inactivity fee are both €0 and €0, and the minimum deposit is CHF 0. Stock trades cost $1. |
| Offer | 9.1 | 9.3Higher |
| Trust | 9.5 | 9.5 |
How they place
| Ranking | Fineco Bank | Saxo |
|---|---|---|
| Stock and ETF brokers | 139 of 471 | 78 of 471 |
| CFD brokers | 48 of 122 | 25 of 122 |
| Options trading platforms | 51 of 103 | 23 of 103 |
| Futures trading platforms | 36 of 82 | 21 of 82 |
Every fact side by side
| Fact | Fineco Bank | Saxo |
|---|---|---|
| Features | Crypto | Demo account, Fractional shares, Mobile app |
| Pricing model | Not confirmed | Low fees |
| Legal entity | FinecoBank S.p.A. | Saxo Bank A/S |
| Headquarters | Italy | Denmark |
| Founded | Not confirmed | 1992 |
Where each stands against the rest
| Fact | Fineco Bank | Saxo | Median |
|---|---|---|---|
| Stock trade fee | $3.95highest quarter | $1highest quarter | $0 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €0below the median | €2.45 |
| Retail accounts that lose money | Not confirmed | 64%lowest quarter | 72.05% |
| Currency conversion fee | Not confirmed | 0.25%below the median | 0.45% |
| Options contract fee | Not confirmed | $2highest quarter | $0.625 |
Median across 91 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
Saxo
Pros
- Account fee and inactivity fee are both €0 and €0
- Minimum deposit is CHF 0 and deposits and withdrawals carry no charge
- Regulated in Denmark by the Danish Financial Supervisory Authority and in the UK by the Financial Conduct Authority
Cons
- Stock trade fee of $1 sits well above the site median of €0
- FX fee of 0.25% applies on top of trading costs
- Investor protection is limited to the EU scheme at EU ICS up to EUR 20,000
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
Saxo
Who it suits
- Investors holding stocks and ETFs long term who want no account or inactivity charge
- Traders who need forex, options, futures and CFDs on one account
- Joint and corporate account holders
Who should look elsewhere
- Beginners wanting commission-free share dealing, where eToro charges $0 per trade
- Small-balance traders unwilling to meet the Vantage minimum deposit of $5
- Frequent currency converters put off by the 0.25% FX fee
Country by country
| Country | Fineco Bank | Saxo |
|---|---|---|
| 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.
Saxo
What does Saxo charge to hold an account?+
The account fee is €0 and the inactivity fee is €0, so there is no annual or dormancy charge. Saxo ranks 1 of 138 on account fee and 1 of 56 on inactivity fee. That makes it a straightforward choice for long-term holdings.
How much does it cost to buy a stock?+
Stock trades cost $1 through Saxo. That places it at 107 of 161 on this measure, and above the site median of €0. Active share traders should weigh that before opening.
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