Funding and access
Fineco review
How to fund and withdraw with Fineco, and what it costs to trade.
Fineco is workable, with clear compromises. Regulated by Bank of Italy; CONSOB; ECB/European banking supervision, offering Fineco Web, Fineco App, PowerDesk. What follows is drawn from the broker's own published material and covers the things that decide the account you end up with: who oversees them, what trading actually costs, and where the compromises sit.
Our rating
One rating, identical across our sites - only the way it is shown changes. It averages six assessments: regulation, trading costs, platforms, markets, support and education.
What it costs to trade
- Spread from
- 1.0 pip
- EUR/USD spread
- From 1.0 pip
- GBP/USD spread
- Instrument/market dependent
- Commission
- $0 on CFD Forex
- All-in cost, EUR/USD
- From 1.0 pip
- Spread type
- Variable
- Overnight swap
- Overnight financing applies to multiday CFD positions
- Deposit fee
- None for standard account funding
- Withdrawal fee
- Banking/account conditions apply
- Currency conversion
- Spread incorporated into applicable FX conversion
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.
Markets and execution
- Markets
- Forex, Shares, ETFs, Bonds, CFDs, Indices, Commodities, Futures, Options, Certificates, Crypto-linked CFDs
- Currency pairs
- Multiple
- Total instruments
- Thousands
- Crypto CFDs
- Yes, Bitcoin and Ethereum futures-linked CFDs
- Maximum leverage
- 1:30 on major forex CFDs for retail clients
- Execution model
- Market maker/principal for CFDs
- Execution speed
- Not publicly disclosed
- Order types
- Market, limit, stop and advanced platform-specific orders
- Servers
- European banking/trading infrastructure
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.
Fineco covers forex, shares, etfs, bonds, cfds, indices, commodities, futures, options, certificates, crypto-linked cfds. A wider range matters less than depth in the instruments you actually trade.
Funding options: bank transfer and fineco banking-account funding. Check withdrawal routes as well as deposit ones - they are often not the same, and the difference only becomes apparent when you try to take money out.
Platforms and tools
- Platforms
- Fineco Web, Fineco App, PowerDesk
- Own platform
- Yes
- Mobile app
- Proprietary
- Browser trading
- Yes
- Automated trading
- No MetaTrader EA support
- Copy trading
- No
- Indicators
- Advanced technical-analysis indicators and charting
- Third-party tools
- Market data and professional trading tools integrated into Fineco
- API access
- Limited/not a conventional retail trading API offering
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.
Regulation and safety
- Regulated by
- Bank of Italy; CONSOB; ECB/European banking supervision
- Regulator tier
- Tier 1
- Register entry
- Bank of Italy / CONSOB registers
- Client money segregated
- Yes, subject to Italian/EU banking and investment-services rules
- Held at
- FinecoBank itself is a licensed bank
- Negative balance protection
- Yes for eligible retail CFD clients under EU rules
- Compensation scheme
- Italian deposit guarantee protection up to €100,000 for eligible bank deposits; investor-protection arrangements apply separately
- Audited by
- Independent statutory auditor
- Not available to
- Primarily Italy; services and product availability depend on residency
Fineco lists its regulation as Bank of Italy; CONSOB; ECB/European banking supervision.
Accounts
- Minimum deposit
- $0
- Account types
- Fineco Account, Trading Account, Professional Client
- Account currencies
- EUR, multicurrency supports USD, GBP, CHF
- Islamic account
- No
- Demo account
- Limited/no conventional standalone forex demo
- Professional account
- Yes
- Minimum trade size
- Instrument-dependent
- Time to open
- Online application; verification-dependent
Deposits and withdrawals
- 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
- Minimum withdrawal
- No conventional broker-specific minimum
- Local payment methods
- Italian/EU banking infrastructure
Support and education
- Support hours
- Business/extended market hours
- Contact channels
- Phone, online support, secure client area
- Languages
- Italian primarily
- Telephone
- N/A
- N/A
- Live chat response
- Online support available
- Education
- Extensive: webinars, trading education, platform guides, investment education and events
- Research
- Market news, real-time data, analysis, technical tools and investment research
The company behind the brand
- Legal entity
- FinecoBank S.p.A.
- Company number
- Italian Banking Register No. 3015
- Headquarters
- Reggio Emilia, Italy
- Founded
- 1999
- Publicly listed
- Yes, Borsa Italiana: FBK
- Parent company
- Independent public company
- Employees
- 1,000+
- Also trades as
- FinecoBank; Fineco
Information is regularly updated. Last compiled from Fineco's own website on 26 August 2026.