Fineco review 2026

Our review is based on broker disclosures, regulatory records, platform research and available user information checked on 26 August 2026.

Is Fineco regulated?

The broker operates through multiple legal entities. The regulator and protections applying to an account depend on which entity accepts the client, not simply on the broker brand displayed.

Fineco lists its regulation as Bank of Italy; CONSOB; ECB/European banking supervision.

How safe is Fineco?

Client money is held separately from the firm's own money, at FinecoBank itself is a licensed bank. That separation is what makes your balance recoverable if the company fails, rather than part of the pool its creditors divide up.

Negative balance protection applies, so a losing position cannot take the account below zero and leave you owing the broker money.

Covered by Italian deposit guarantee protection up to €100,000 for eligible bank deposits; investor-protection arrangements apply separately, which pays eligible clients up to its limit if the firm fails owing client money.

Licence information last checked 26 August 2026

Fineco trading conditions

Trading conditions vary by account, platform, legal entity and client classification. The figures below reflect the latest information available to 88 Forex Brokers and should be confirmed before trading.

Spreads and commissions

Fineco advertises spreads from 1.0 pip on Fineco Account. The stated commission is $0 on CFD Forex. Typical or live pricing may be higher than the advertised minimum, particularly outside liquid trading hours or during volatile markets.

Spreads from 1.0 pip suggest an all-in account, where the broker's fee is built into the price rather than charged separately. There is usually no commission on top, which makes the cost easier to predict.

Quoted spreads are best-case figures on the most liquid pair, in normal conditions. What you actually pay widens around news and at the session open.

Fineco lists a minimum deposit of $0. Treat it as the cost of opening an account, not the cost of trading one - position sizing on a small balance is what tends to cause damage.

Spread type

Variable

EUR/USD average spread

From 1.0 pip

GBP/USD average spread

Instrument/market dependent

Commission

$0 on CFD Forex

All-in cost, EUR/USD

From 1.0 pip

Leverage and margin

Maximum leverage is reported as 1:30, although the available limit depends on the account entity, instrument, client classification and local rules. Higher leverage increases both potential gains and losses and can lead to rapid account depletion.

Execution model

Fineco describes its execution model as Market maker/principal for CFDs. The available information indicates an average execution speed of Not publicly disclosed, order types of Market, limit, stop and advanced platform-specific orders and servers in European banking/trading infrastructure. Execution labels are not standardised across the industry, so review the order-execution policy and conflict disclosures rather than relying on a single term.

Trading rules

Expert advisers

No MetaTrader EA support

Copy trading

No

Negative balance protection

Yes for eligible retail CFD clients under EU rules

Scalping, Hedging, Stop-out level and Guaranteed stop loss: the broker does not publish enough information for us to confirm this trading condition.

Fineco account types

Fineco offers 3 reported account types. Compare the minimum deposit, spread model, commission, platform and eligibility before choosing an account.

A short account range, which usually means less to get wrong - the pricing you are shown is close to the pricing you get.

Base currencies: EUR, multicurrency supports USD, GBP, CHF. Holding the account in the currency you fund it with avoids a conversion charge on every deposit and withdrawal - a cost that never shows up in a spread comparison.

The smallest position is Instrument-dependent. For anyone starting carefully this matters more than the minimum deposit, because it sets the least you can put at risk on a single trade.

Fineco AccountTrading AccountProfessional Client

Minimum deposit

$0

Spreads from

1.0 pip

Commission

$0 on CFD Forex

Maximum leverage

1:30

Platforms

Proprietary platform

Base currencies

EUR, multicurrency supports USD, GBP, CHF

Available markets

Forex, Commodities, Indices, Shares, ETFs, Bonds, Futures, Cryptocurrency CFDs

Minimum trade size

Instrument-dependent

Account opening time

Online application; verification-dependent

Demo account

We could not confirm that a demo account is currently available.

Islamic account

An Islamic or swap-free option is reported as not available. Alternative charges, holding limits or eligibility conditions may apply.

Fineco fees and trading costs

The total cost of trading can include spreads, commissions, overnight financing, currency conversion, deposit or withdrawal charges and inactivity fees.

Advertised spreads start from 1.0 pip, but typical pricing may be higher.

The reported trading commission is $0 on CFD Forex.

Overnight financing applies to eligible positions at rates that can change.

The broker reports none for standard account funding for deposits.

The broker reports banking/account conditions apply for withdrawals.

A currency-conversion charge of Spread incorporated into applicable FX conversion may apply.

Spreads from

1.0 pip

Commission

$0 on CFD Forex

Overnight financing

Overnight financing applies to multiday CFD positions

Deposit fee

None for standard account funding

Withdrawal fee

Banking/account conditions apply

Inactivity fee

Not confirmed

Currency conversion

Spread incorporated into applicable FX conversion

Fees can change and may differ by entity, platform, account or payment method. Confirm the full schedule before opening or funding an account.

Trading platforms and apps

Fineco supports Proprietary platform. Availability can differ by account and legal entity.

Fineco offers Fineco Web, Fineco App, PowerDesk. A proprietary platform can be excellent, but it means your setup does not transfer if you later change broker.

Proprietary platform

Proprietary platform

Yes

Web platform

Yes

Mobile app

Proprietary

Charting

Advanced technical-analysis indicators and charting

Third-party tools

Market data and professional trading tools integrated into Fineco

Server locations

European banking/trading infrastructure

The platform range is broad. Its main advantage is support for Proprietary platform; the principal limitation is the absence of MetaTrader 4 and MetaTrader 5.

Markets available through Fineco

The broker reports access to Thousands instruments across forex, commodities, indices, shares, eTFs, bonds, futures and cryptocurrency CFDs. Product availability depends on the account entity and platform.

Leverage is capped at 1:30 on major forex CFDs for retail clients, which is the retail limit under tier-one regulation. It is a protection rather than a restriction: it caps how quickly a position can move against your balance.

The product range is strongest for forex, commodities and indices. Traders seeking metals may need another broker.

ForexCommoditiesIndicesSharesETFsBondsFuturesCryptocurrency CFDs

Markets, as published

Forex, Shares, ETFs, Bonds, CFDs, Indices, Commodities, Futures, Options, Certificates, Crypto-linked CFDs

Total instruments

Thousands

Currency pairs

Multiple

Cryptocurrency CFDs

Yes, Bitcoin and Ethereum futures-linked CFDs

CFDs do not provide ownership of the underlying asset. Product terms, leverage and trading hours vary by market.

Deposits and withdrawals

Available funding methods include Bank transfer and Fineco banking-account funding. Processing times, limits, fees and availability vary by country, currency and account entity.

Withdrawals are stated at Standard banking transfer times, against Bank-transfer dependent for deposits. A gap between the two is normal and not in itself a warning sign - identity checks are a legal obligation, not obstruction. What is worth noticing is a withdrawal that keeps meeting new conditions after those checks are done.

Withdrawal routes: bank transfer through fineco banking infrastructure. Money is usually returned by the route it arrived on, so the deposit method you pick is in effect the withdrawal method you are picking too.

The minimum withdrawal is No conventional broker-specific minimum - relevant if you intend to fund the account lightly, since it sets the smallest amount you can take out at a time.

Identity, payment ownership and source-of-funds checks may be required before a withdrawal is processed.

Deposit methods

Bank transfer and Fineco banking-account funding

Withdrawal methods

Bank transfer through Fineco banking infrastructure

Deposit time

Bank-transfer dependent

Withdrawal time

Standard banking transfer times

Deposit fee

None for standard account funding

Withdrawal fee

Banking/account conditions apply

Minimum withdrawal

No conventional broker-specific minimum

Local payment methods

Italian/EU banking infrastructure

View withdrawal complaints about Fineco

Use a payment method held in your own name. The broker may reject third-party payments or require withdrawals to follow the original funding route.

Customer support

Fineco provides support through Phone, online support, secure client area during Business/extended market hours. Supported languages include Italian primarily.

Support hours are Business/extended market hours. Check they overlap the sessions you actually trade - cover that ends with the local business day is no use during an overnight move.

Reachable by phone, online support, secure client area. A published telephone number is the one channel that is hard to fake and hard to ignore, so whether there is one says more than the number of channels does.

Languages: Italian primarily. Being able to raise a complaint in your own language is worth more than it appears, because complaints are where precision matters most.

Education: extensive: webinars, trading education, platform guides, investment education and events. Treat broker-published material as an introduction rather than as advice - it is produced by a firm whose revenue rises when you trade more.

Support channels

Phone, online support, secure client area

Support hours

Business/extended market hours

Languages

Italian primarily

Telephone

Not confirmed

Email

Not confirmed

Live chat response

Online support available

Research and market analysis

Market news, real-time data, analysis, technical tools and investment research

Education

Extensive: webinars, trading education, platform guides, investment education and events

Is Fineco a good broker?

Your decision should reflect your country, experience, preferred platform, trading costs and tolerance for financial and counterparty risk.

Fineco is best considered by

• Traders who want a tier-one licence behind the account
• Traders who want a small first deposit

Consider another broker if

• You require an Islamic account
• You require copy trading
• You require MetaTrader

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