Updated September 29, 2026 · BrokerCue Editorial Team
Finhabits vs IG
Where Finhabits and IG differ
| Compare |  Finhabits |  IG |
|---|---|---|
| Account fee | $120 | €0 |
| Markets | Stocks, ETFs | Stocks, ETFs, Forex, CFDs, Options, Futures, Crypto, Spread bettingCovers more |
| Regulators | U.S. Securities and Exchange Commission (SEC) | Federal Financial Supervisory Authority (BaFin), SIPC |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Minimum deposit | $0 | Not confirmed |
| Stock trade fee | Not confirmed | £0 |
| Retail accounts that lose money | Not confirmed | 69% |
| Platforms | Not confirmed | Mobile trading, L2 Dealer, ProRealTime, MetaTrader 4, MetaTrader 5, TradingView |
| Account types | IRA, Roth IRA | Not confirmed |
| Interest on cash | Not confirmed | 2.5% |
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Key differences
- IG scores higher overall: 9.5 vs 8.5.
- Regulators: only Finhabits offers U.S. Securities and Exchange Commission (SEC).
- Regulators: only IG offers Federal Financial Supervisory Authority (BaFin), SIPC.
- IG is licensed in 1 more country.
- Markets: only IG offers Forex, CFDs, Options.
- Features: only IG offers Demo account, Fractional shares.
Our verdict on each
Finhabits
Finhabits is a US robo-advisor built for beginners, opening at a minimum deposit of $0 and running managed stocks and etfs portfolios under US regulation. The trade-off is the $120 account fee, which sits on top of the 1% management fee.
IG
IG suits traders who want shares, ETFs, forex, contracts for difference, options, futures, crypto and spread betting under a single roof, with an account fee of €0 and cash interest of 2.5% on uninvested balances. Share dealing runs commission-free, while the retail loss rate is 69%.
Score breakdown
| Area | Finhabits | IG |
|---|---|---|
| Cost | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. | 9.3Higher |
| Offer | 8.9 | 9.6HigherCommission-free share dealing, a stock trade fee of £0, an account fee of €0 and cash interest of 2.5%. |
| Trust | 8.7 | 9.5Higher |
Positions in our rankings
| Ranking | Finhabits | IG |
|---|---|---|
| Stock and ETF brokers | 213 of 471 | 48 of 471 |
Licences and countries
| Country | Finhabits | IG |
|---|---|---|
| United States | SIPC SIPC member 71021 | |
| Germany | Not confirmed | Federal Financial Supervisory Authority (BaFin) MiCA CASP 213800HFC5G4V293BN91 |
What each covers
| Markets | Finhabits | IG |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Options | No | Yes |
| Futures | No | Yes |
| Crypto | No | Yes |
| Spread betting | No | Yes |
Where these facts come from
Finhabits
- finhabits.com: 9 facts, checked September 26, 2026
- finder.com: 1 fact, checked September 26, 2026
- flexoffers.com: 1 fact, checked September 26, 2026
IG
- ig.com: 8 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
Every fact side by side
| Fact | Finhabits | IG |
|---|---|---|
| Features | Mobile app | Demo account, Mobile app, Fractional sharesCovers more |
| Pricing model | Not confirmed | Commission free |
| Audience | Beginners | Not confirmed |
| Legal entity | Finhabits, Inc. | IG Europe GmbH |
| Headquarters | United States | Germany |
| Support channels | Email, Phone, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Finhabits | IG | Median |
|---|---|---|---|
| Minimum deposit | $0below the median | Not confirmed | $25 |
| Stock trade fee | Not confirmed | £0at the median | £0 |
| Retail accounts that lose money | Not confirmed | 69%below the median | 72.05% |
| Interest on cash | Not confirmed | 2.5%below the median | 3% |
Median across 134 listed brokers.
Pros and cons
Finhabits
Pros
- Regulated by the U.S. Securities and Exchange Commission, with investor protection listed as SIPC up to USD 500,000.
- Support runs on email, phone and help centre, so help is easy to reach.
- The portfolio build is etf focused, with picks made for you across stocks and etfs.
Cons
- The $120 account fee is the sting, sitting on top of the 1% management fee.
- The range is limited to stocks and etfs, so there is no wider asset choice.
- Account types come down to ira and roth ira options at a brand based in the United States.
IG
Pros
- Markets list stocks, etfs and forex, so shares, ETFs, forex, contracts for difference, options, futures, crypto and spread betting sit together.
- Regulated by Federal Financial Supervisory Authority (BaFin) and SIPC, with client protection of EU ICS up to EUR 20,000.
- Platform choice runs Mobile trading, L2 Dealer and ProRealTime.
Cons
- Retail accounts that lose money come to 69%.
- The commission-free model in commission free applies to share dealing, and it does not extend to trading costs on forex, contracts for difference, options or futures.
- Accounts sit with IG Europe GmbH in Germany, so compensation stops at EU ICS up to EUR 20,000.
Who each suits
Finhabits
Who it suits
- US beginners, since the service is built for beginners.
- Savers who want the holdings chosen for them across stocks and etfs.
- People already investing for retirement, matching the ira and roth ira list.
Who should look elsewhere
- Readers who want to pay nothing on management can start with eToro, where the fee is 0%.
- Anyone after a wider fee band should look at Vivid Standard, at 0.5% to 1.5%.
- Investors who treat the protection scheme as the deciding factor can also check Axos Invest, which names SIPC.
IG
Who it suits
- Traders who want stocks, etfs and forex reachable from the same account rather than several platforms.
- Share buyers who want dealing on a commission-free basis, since commission free covers their trades.
- EU clients who weight regulation and compensation, given Federal Financial Supervisory Authority (BaFin) and SIPC and EU ICS up to EUR 20,000.
Who should look elsewhere
- Buyers who want a platform built around share dealing and crypto alone should compare CFI, whose stocks, etfs and forex is a shorter, simpler list.
- Investors priced in dollars rather than euros should weigh eToro, where the stock trade fee is $0.
- Anyone weighing only the account charge should know Vantage lists $0, so IG's €0 is not the only way to hold an account cheaply.
Country by country
| Country | Finhabits | IG |
|---|---|---|
| United States | Yes | No |
Questions about each
Finhabits
What does Finhabits cost to run an account?+
Finhabits charges a management fee of 1% on the portfolio and an account fee of $120. The account fee is the part to watch, since it is a flat charge on top of the percentage. The median management fee across the robo-advisors compared here is 0.35%.
How much do I need to put in before I can start?+
The minimum deposit is $0, so there is no floor to clear before saving begins. Accounts come as ira and roth ira options, which decides the wrapper you hold. The listed feature is mobile app, so the app is the main way in.
IG
What does it cost to trade shares with IG?+
Share dealing runs on a commission-free model, with a stock trade fee of £0 and an account fee of €0. Those are the two figures that matter for holding and trading, and both sit at the floor of the site tables. Trading costs on forex, contracts for difference, options and futures are quoted apart from share dealing.
Who regulates IG and is my money protected?+
The regulators are Federal Financial Supervisory Authority (BaFin) and SIPC, and the licences listed are MiCA CASP 213800HFC5G4V293BN91 and SIPC member 71021. Client protection in the EU is EU ICS up to EUR 20,000, so a claim against the firm is covered only up to that ceiling. Any balance above the cap is your own exposure.
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