Overview
Fineco Bank is an Italian online bank and brokerage firm founded in 1999, originally as a division of the UniCredit Group. The company offers a comprehensive suite of financial services, including trading, banking, and investment solutions, making it one of Europe's leading online brokers. Over the years, Fineco has expanded its services beyond Italy, catering to clients from various parts of Europe.
- Founded
- 1999
Sources
Official documents used to define this page's verification scope.
Reviewed
- Fineco platform documentation — FinecoBankAccessed July 14, 2026
- Fineco 2025 annual report — FinecoBankAccessed July 14, 2026
Strengths and watchouts
- Multi-Regulated.
- Investor Protection Available.
- Low Non-Trading Fees.
- Great Mobile App.
- Offers Banking Services.
- Offers Real Stocks.
- Poor Charting Tools.
- Only One Office Location.
- No Longer Available for UK Traders.
Safety and regulation
Fineco Bank is regulated by some of the most trusted financial authorities, including the UK’s Financial Conduct Authority (FCA) and Italy’s CONSOB. These regulatory licenses ensure that Fineco adheres to strict standards, providing clients with a secure and transparent trading environment. The company’s regulatory status allows it to offer financial services across Europe. Fineco Bank follows stringent regulatory requirements for safeguarding client funds. Client deposits are kept in segregated accounts, ensuring that they are separate from the bank’s operational funds. The bank is also a member of the Italian investor compensation scheme, providing additional protection to clients in case of insolvency.
- Consob
- FCA
- PRA
Between 70% and 85% of retail investor accounts lose money when trading CFDs with most regulated providers — the exact figure for any specific broker is published on that broker's own website. Consider whether you understand how these instruments work and whether you can afford the high risk of losing your money.
Markets available
- ETFs
Account types
| Account | Min deposit | Commission | Leverage |
|---|---|---|---|
| Standard | Not verified | 1.0 | 1:1 to 1:50 |
Fees and costs
Fineco offers competitive spreads across a variety of markets. The spreads start from 0.6 pips for major forex pairs, with no commission on forex trades. However, certain instruments may incur a small commission depending on the account type and asset being traded. Swap rates are charged for positions held overnight, and these rates can either be positive or negative depending on the currency pair or asset being traded. Traders should always check the swap rates for the specific instruments they are trading. Fineco charges an inactivity fee on accounts that have not been used for an extended period. This fee is standard in the industry to maintain security and ensure the proper management of dormant accounts.
How we reviewed this broker
Each broker review documents the broker's claimed regulators, cross-references them against the public registers (FCA, CySEC, ASIC, FSCA, BCC and others), and notes any divergence. Where a regulator has issued a public advisory, the URL is cited inline so a reader can verify it directly. Tradable instruments, account types, and fees are sourced from the broker's published disclosures or documented as unavailable. The full scoring methodology is public.
Read the full methodology →Focused research pages
- RegulationFineco Bank regulation and safety checks
- Account openingFineco Bank minimum deposit and account-opening checks
- Minimum depositFineco Bank minimum deposit and funding threshold checks
- Company backgroundFineco Bank company background and entity checks
- RatingFineco Bank rating context and methodology checks
- SafetyFineco Bank safety, funds protection and entity checks
- Pros and consFineco Bank pros, cons and trade-off checks
- FeesFineco Bank fees, minimum deposit and cost checks
- MarketsFineco Bank markets and product availability checks
- Public reputationFineco Bank public reviews and reputation checks
- Bond accessFineco Bank bond access and fixed-income checks
- SIPPFineco Bank SIPP account research checklist
Frequently asked questions
Is the broker regulated?
Yes, Fineco Bank is regulated by top-tier financial authorities, including the Financial Conduct Authority (FCA) and Italy’s CONSOB, ensuring a secure and compliant trading environment.
What trading platforms are available?
Fineco Bank offers its proprietary FinecoTrader platform, as well as MetaTrader 4 (MT4), both of which provide advanced trading tools and flexibility for traders of all levels.
What is the minimum deposit required to open an account?
The minimum deposit required to open a live account with Fineco is €100, making it accessible for most retail traders.
What types of accounts does the broker offer?
Fineco offers several account types, including the Standard Account, Professional Account, and a demo account for practice purposes.
What fees and commissions are charged?
Fineco offers competitive spreads with no commission on forex trading. However, there may be small commissions on certain instruments and fees for inactivity and withdrawals.
What is the maximum leverage available?
Fineco offers leverage of up to 1:30 for retail traders, in line with European regulatory requirements, but professional traders may be eligible for higher leverage.
Are demo accounts available?
Yes, Fineco offers a demo account where traders can practice in a risk-free environment with virtual funds.
How can I contact customer support?
Fineco provides customer support through live chat, email, and phone. Their support team is available during trading hours and offers assistance in several languages.