Updated September 29, 2026 · BrokerCue Editorial Team
Finhabits vs Robinhood
Where Finhabits and Robinhood differ
| Compare |  Finhabits |  Robinhood |
|---|---|---|
| Account fee | $120 | $0Lower |
| Markets | Stocks, ETFs | Stocks, ETFs, Options, Futures, CryptoCovers more |
| Regulators | U.S. Securities and Exchange Commission (SEC) | Bank of Lithuania (LSC), LT BL, SIPC |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Account types | IRA, Roth IRA | IRA, Roth IRA, JointCovers more |
| Stock trade fee | Not confirmed | $0 |
| Inactivity fee | Not confirmed | $0 |
| Margin rate | Not confirmed | 3.95% |
| Options contract fee | Not confirmed | $0 |
| Deposit and withdrawal fees | Not confirmed | $100 outgoing transfer |
| Platforms | Not confirmed | Robinhood app, Robinhood Legend |
| Maximum retail leverage | Not confirmed | 10X |
Same on both: Minimum deposit ($0).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Robinhood scores higher overall: 9.4 vs 8.5.
- Regulators: only Finhabits offers U.S. Securities and Exchange Commission (SEC).
- Regulators: only Robinhood offers Bank of Lithuania (LSC), LT BL, SIPC.
- Robinhood is licensed in 1 more country.
- Account fee is lower at Robinhood: $0 vs $120.
- Markets: only Robinhood offers Options, Futures, Crypto.
- Account types: only Robinhood offers Joint.
- Features: only Robinhood offers Crypto, Fractional shares, Options.
- Audience: only Robinhood offers Day traders.
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.
Robinhood
Robinhood suits first-time investors and small, regular investors who want nothing charged for holding or trading. It is the cheapest way in on our data, with a minimum deposit of $0, no account fee and no inactivity charge, under the Bank of Lithuania and SIPC.
Score breakdown
| Area | Finhabits | Robinhood |
|---|---|---|
| Cost | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. | 9.6HigherStock trades cost $0, options contracts $0, the account fee is $0 and inactivity is $0. |
| Offer | 8.9 | 9.3Higher |
| Trust | 8.7 | 9.3Higher |
Side by side, item by item
| Markets | Finhabits | Robinhood |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Options | No | Yes |
| Futures | No | Yes |
| Crypto | No | Yes |
| Account types | Finhabits | Robinhood |
|---|---|---|
| IRA | Yes | Yes |
| Roth IRA | Yes | Yes |
| Joint | No | Yes |
Licences and countries
| Country | Finhabits | Robinhood |
|---|---|---|
| United States | SIPC SIPC member 69916 | |
| Lithuania | Not confirmed | Bank of Lithuania (LSC) MiCA CASP 254900GTP4UXQO1UMI36 LT_BL PSD_PI 306377915 |
Where they rank in our lists
| Ranking | Finhabits | Robinhood |
|---|---|---|
| Stock and ETF brokers | 213 of 471 | 14 of 471 |
| Investment platforms and apps | 48 of 86 | 1 of 86 |
| Brokers for beginners | 62 of 88 | 6 of 88 |
| IRA providers | 26 of 43 | 1 of 43 |
What we checked
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
Robinhood
- finder.com: 7 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
- mymillennialguide.com: 4 facts, checked September 26, 2026
- financer.com: 2 facts, checked September 26, 2026
- robinhood.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Finhabits | Robinhood |
|---|---|---|
| Features | Mobile app | Crypto, Fractional shares, Options, Futures, Mobile appCovers more |
| Pricing model | Not confirmed | Commission free, Low fees |
| Audience | Beginners | Beginners, Day tradersCovers more |
| Legal entity | Finhabits, Inc. | Robinhood Europe UAB |
| Headquarters | United States | Lithuania |
| Founded | Not confirmed | 2013 |
| Support channels | Email, Phone, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Finhabits | Robinhood | Median |
|---|---|---|---|
| Minimum deposit | $0below the median | $0below the median | $25 |
| Stock trade fee | Not confirmed | $0at the median | $0 |
| Account fee | $120highest quarter | $0at the median | $0 |
| Inactivity fee | Not confirmed | $0at the median | $0 |
| Margin rate | Not confirmed | 3.95%lowest quarter | 8.75% |
| Options contract fee | Not confirmed | $0lowest quarter | $0.625 |
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.
Robinhood
Pros
- Nothing to pay to open or hold an account, with an account fee of $0 and an inactivity fee of $0
- Trading a share costs $0, so a small first order is not eaten by commission
- You can start with a deposit of $0, lower than most brands on our data
Cons
- Leverage is available at 10X, which magnifies losses as well as gains
- Outgoing transfers carry a charge of $100 outgoing transfer
- Margin borrowing is priced at a margin rate of 3.95%, so interest adds to your cost
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.
Robinhood
Who it suits
- Beginners opening a first account with a small deposit
- Day-traders working in options, futures and crypto on mobile
- Retirement investors using an IRA, Roth IRA or joint account
Who should look elsewhere
- Vantage if a flat minimum deposit of $5 suits you better
- CFI if you want forex and CFDs alongside shares, since its markets cover stocks, etfs and forex
- eToro if social copy trading matters more than options and futures
Country by country
| Country | Finhabits | Robinhood |
|---|---|---|
| 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.
Robinhood
What does it cost to trade shares on Robinhood?+
Trading a share costs $0, and an options contract costs $0. There is also an account fee of $0 and an inactivity fee of $0, so nothing is taken for simply holding the account open. Borrowing on margin is charged at a margin rate of 3.95%, which is the main running cost if you use leverage.
Is there a minimum deposit to open a Robinhood account?+
The minimum deposit is $0, so you can open an account and place a small first order without funding a large balance. It is worth comparing that with the deposits other brands ask for before you commit, since the figure varies widely across the market. Outgoing transfers are charged at $100 outgoing transfer, so factor that in if you plan to move money out early.
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