Written by ForexBrokers.com
In this head to head comparison of Fineco vs Earn, we will compare the trading platforms, mobile apps, range of investments, costs, market research, and more. Let's dive in.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 51% and 89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Fineco, founded in 1999, is a publicly traded bank that holds two Tier-1 licenses, indicating a high level of trust according to ForexBrokers.com. With a robust Trust Score of 94 out of 99, Fineco is recognized as a highly trusted online broker. Its status as a known financial institution, along with its public listing, adds further credibility and attractiveness to potential investors.
In contrast, Earn, founded in 1994, is not publicly traded and does not operate as a bank. Holders of one Tier-1 license, Earn carries an average risk Trust Score of 71 out of 99. While it has a presence in the financial realm, its trust rating suggests that potential users should exercise a higher degree of caution when considering Earn for their investment needs.
| Feature |
Fineco
|
Earn
|
|---|---|---|
| Year Founded | 1999 | 1994 |
| Publicly Traded (Listed) | Yes | No |
| Bank | Yes | No |
| Tier-1 Licenses | 2 | 1 |
| Tier-2 Licenses | 0 | 0 |
| Tier-3 Licenses | 0 | 0 |
| Tier-4 Licenses | 0 | 0 |
When examining the commissions and fees of Fineco and Earn, significant differences emerge in terms of transparency and costs. Fineco does not publish average spread data, which makes it challenging to grasp its true trading expenses for forex and CFD transactions. Though Fineco claims a spread of 1 pip for the EUR/USD and also lists another spread of 0.8 pips, it doesn't detail whether these figures are typical averages, and no date range is provided. On the other hand, Fineco appears to offer potentially lower spreads for its index CFDs.
In comparison, Earn also does not provide average spread data, leaving traders with limited information to gauge their potential trading costs accurately. However, in terms of overall ratings, Earn is slightly more favored in the industry for fees and commissions, scoring 4 out of 5 stars compared to Fineco’s 3.5 stars.
Looking at their rankings, Fineco holds the 51st position out of 63 brokers in the Commissions and Fees category by ForexBrokers.com. Earn fares better, ranked at 45th out of 63 brokers, making it a more appealing choice for traders who prioritize cost efficiency and transparent fee structures.
| Feature |
Fineco
|
Earn
|
|---|---|---|
| Minimum Deposit | $0 | $100 |
| Average Spread EUR/USD - Standard | N/A | N/A |
| All-in Cost EUR/USD - Active | N/A | N/A |
| Active Trader or VIP Discounts | No | Yes |
| ACH or SEPA Transfers | Yes | No |
| PayPal (Deposit/Withdraw) | No | No |
| Skrill (Deposit/Withdraw) | No | Yes |
| Visa/Mastercard (Credit/Debit) | No | Yes |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
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When comparing Fineco and Earn based on their range of investments, Fineco stands out with a broader offering of 9,770 tradeable symbols compared to Earn's 500. Additionally, Fineco provides access to 54 forex pairs, while Earn offers a slightly higher number at 61. Fineco is particularly advantageous for investors interested in exchange-traded securities, as it allows clients to purchase shares from both U.S. and international exchanges. In contrast, Earn does not offer direct trading on these exchanges, although it does support copy trading, a feature not available with Fineco.
For cryptocurrency enthusiasts, neither Fineco nor Earn offers the ability to buy actual, delivered cryptocurrencies. However, Earn provides options for cryptocurrency derivatives, which Fineco does not. According to ForexBrokers.com, Fineco secures a higher ranking and rating in the Range of Investments category, receiving 4.5 stars and ranking 16th out of 63 brokers. Earn, on the other hand, garners 3.5 stars and holds the 45th spot, indicating a more limited investment range in comparison to Fineco.
| Feature |
Fineco
|
Earn
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 9770 | 500 |
| Forex Pairs (Total) | 54 | 61 |
| U.S. Stock Trading (Non CFD) | Yes | No |
| Int'l Stock Trading (Non CFD) | Yes | No |
| Social Trading / Copy Trading | No | Yes |
| Cryptocurrency (Physical) | No | No |
| Cryptocurrency (Derivative) | No | Yes |
| Disclaimers | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). |
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When comparing the trading platforms and tools of Fineco and Earn, both brokers offer users distinct advantages. Fineco provides a proprietary trading platform developed in-house, which might appeal to users seeking a unique experience tailored by the broker. However, Earn stands out with its offering of a simulated trading environment via a free virtual demo account, which could be invaluable for beginners wanting to practice without financial risk. Both brokers offer Windows-based and web-based trading platforms, ensuring accessibility and convenience. While Fineco lacks support for popular trading platforms like MetaTrader 4 and 5, Earn provides these along with copy trading services such as ZuluTrade, catering to traders interested in social trading.
Charting capabilities and usability show notable differences between the two. Earn offers a more feature-rich package with 15 drawing tools and the capability to trade directly from a stock chart, enhancing the experience for technical traders. In contrast, Fineco provides 7 drawing tools but lacks direct trading from charts. While Fineco does not specify the number of watch list fields it offers, Earn provides 7 watch list columns, granting users more flexibility in organizing their trades. Overall, Fineco receives 4 stars for its trading platforms and tools, ranking 18th out of 63 brokers, while Earn, also rated 4 stars, sits at 51st in the same category, underscoring Fineco's competitive edge in rankings despite both having high user satisfaction.
| Feature |
Fineco
|
Earn
|
|---|---|---|
| Virtual Trading (Demo) | No | Yes |
| Proprietary Platform | Yes | No |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Social Trading / Copy Trading | No | Yes |
| MetaTrader 4 (MT4) | No | Yes |
| MetaTrader 5 (MT5) | No | Yes |
| DupliTrade | No | No |
| ZuluTrade | No | Yes |
| Charting - Indicators / Studies (Total) | 37 | 35 |
| Charting - Drawing Tools (Total) | 7 | 15 |
| Charting - Trade From Chart | No | Yes |
| Watchlists - Total Fields | N/A | 7 |
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When comparing mobile trading apps, both Fineco and Earn provide apps for iPhone and Android users, allowing traders to access their investments on the go. Each app offers stock and forex price alerts to keep you updated on market movements. However, their capabilities begin to diverge when it comes to charting tools and watchlist features. Fineco offers six technical studies for charting, while Earn provides a more comprehensive selection with 35 studies. Earn also allows for the drawing of trendlines and auto-saves these drawings, whereas Fineco lacks these features.
Neither Fineco nor Earn supports syncing watchlist symbols between the mobile app and online accounts. However, Earn sets itself apart by allowing users to create a watchlist with real-time quotes, a feature Fineco does not offer. Both apps allow users to view multiple time frames on stock or forex charts, ensuring versatile trading strategies. Despite these differences, user ratings are tied, with both earning a respectable 4 out of 5 stars. Yet, ForexBrokers.com ranks Earn higher overall, placing it at #27 out of 63 brokers, compared to Fineco's #42 ranking.
| Feature |
Fineco
|
Earn
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Alerts - Basic Fields | Yes | Yes |
| Watchlist Syncing | No | No |
| Mobile Charting - Indicators / Studies | 6 | 35 |
| Mobile Charting - Draw Trendlines | No | Yes |
| Mobile Charting - Multiple Time Frames | Yes | Yes |
| Mobile Charting - Drawings Autosave | No | Yes |
| Mobile Watchlist | No | Yes |
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When comparing the market research features of Fineco and Earn, several key differences emerge. Earn stands out by providing daily market commentary, a feature not offered by Fineco. Both brokers deliver forex news from leading sources like Bloomberg and Reuters, ensuring traders have access to reliable information. However, neither Fineco nor Earn utilizes technical analysis tools from Autochartist or Trading Central, nor do they offer sentiment-based trading tools or market research from TipRanks.
For traders interested in tracking global economic events, both platforms provide an economic calendar. Fineco surpasses Earn in research rating, scoring 4.0 stars compared to Earn's 3.5 stars. Additionally, Fineco holds a higher ranking from ForexBrokers.com, coming in at 33rd place out of 63 brokers, while Earn is ranked 38th. These factors might influence your decision if research capabilities are a priority in choosing an online broker.
| Feature |
Fineco
|
Earn
|
|---|---|---|
| Daily Market Commentary | No | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central (Recognia) | No | No |
| Social Sentiment - Currency Pairs | No | No |
| TipRanks | No | No |
| Signal Centre (Acuity Trading) | No | No |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
When it comes to providing educational resources for beginners, Fineco seems to be a better choice compared to Earn. Fineco takes a step forward with at least 10 beginner videos covering trading topics specifically designed for newcomers, ensuring a strong start for those just stepping into the world of trading. Additionally, Fineco offers insightful online webinars for clients every month, providing interactive learning opportunities that Earn lacks in its offerings. While both platforms fall short in providing a vast selection of forex or CFDs education, Fineco does stand out by offering an investor dictionary with over 50 investing terms, aiding in the understanding of financial jargon.
Fineco has garnered a 4.0-star rating for its educational offerings, slightly edging out Earn, which holds a 3.5-star rating. On ForexBrokers.com, Fineco is ranked as the 49th out of 63 brokers for education, a considerable lead over Earn's ranking of 62. Although both platforms have room for improvement, Fineco's offerings provide a clearer path for beginners eager to learn and navigate the complexities of trading.
| Feature |
Fineco
|
Earn
|
|---|---|---|
| Education (Forex or CFDs) | No | No |
| Client Webinars | Yes | No |
| Client Webinars (Archived) | No | No |
| Videos - Beginner Trading Videos | Yes | No |
| Videos - Advanced Trading Videos | No | No |
| Investor Dictionary (Glossary) | Yes | No |
Dive deeper: Best Forex Brokers for Beginners.
After testing 63 of the best forex brokers, our research and account testing finds that Fineco is better than Earn. Fineco finished with an overall rank of #25, while Earn finished with an overall rank of #50.
FinecoBank is a trusted multi-asset broker offering forex and CFDs across its brands regulated in the U.K. and Italy. However, unless you visit a physical branch as a citizen of the EU – or you are a resident of Italy or the U.K. – you will not be permitted to open an online account with FinecoBank.
| Feature |
Fineco
|
Earn
|
|---|---|---|
| Overall Rating |
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| Trust Score | 94 | 71 |
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Fineco does not offer the ability to buy actual cryptocurrency or cryptocurrency derivatives, while Earn provides the option to buy cryptocurrency derivatives but not the actual cryptocurrency.
When comparing online brokers Fineco and Earn, Fineco supports ACH and SEPA transfers along with bank wires for depositing and withdrawing funds, while Earn, not offering ACH or SEPA transfers, allows deposits and withdrawals through Skrill, Visa, Mastercard, and bank wires, with neither platform supporting PayPal.
Please note:
We review each broker’s overall global offering – a “Yes” checkmark in our Compare Tool does not guarantee the availability of any specific features in your country of residence. To verify the availability of any features within your country of residence, please contact the broker directly.
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0 of 5| Overall Rating | Fineco | Earn | |
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| Trust Score | 94 | 71 | |
| Winner | check_circle | ||
| Review | Fineco Review |
| Broker Screenshots | Fineco | Earn | |
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| Regulation | Fineco | Earn | |
|---|---|---|---|
| Trust Score | 94 | 71 | |
| Year Founded | 1999 | 1994 | |
| Publicly Traded (Listed) | Yes | No | |
| Bank | Yes | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 2 | 1 | |
| Tier-2 Licenses | 0 | 0 | |
| Tier-3 Licenses | 0 | 0 | |
| Tier-4 Licenses | 0 | 0 |
| Tier-1 Licenses (Highly Trusted) | Fineco | Earn | |
|---|---|---|---|
| Australia (ASIC Authorised) | Yes | No | |
| Canada (CIRO Authorised) | No | No | |
| Hong Kong (SFC Authorised) | No | No | |
| Japan (SFC Authorised) | No | No | |
| Singapore (MAS Authorised) | No | No | |
| Switzerland (FINMA Authorised) | No | No | |
| United Kingdom (U.K.) (FCA Authorised) | Yes | No | |
| USA (CFTC Authorized) | No | No | |
| New Zealand (FMA Authorised) | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes |
| Tier-2 Licenses (Trusted) | Fineco | Earn | |
|---|---|---|---|
| Kenya (CMA Authorised) | No | No | |
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | No | No | |
| UAE (DFSA/Central Bank Authorised) | No | No | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) | No | No |
| Investments | Fineco | Earn | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 9770 | 500 | |
| Forex Pairs (Total) | 54 | 61 | |
| U.S. Stock Trading (Non CFD) | Yes | No | |
| Int'l Stock Trading (Non CFD) | Yes | No | |
| Social Trading / Copy Trading | No | Yes | |
| Cryptocurrency (Physical) | No | No | |
| Cryptocurrency (Derivative) | No | Yes | |
| Disclaimers | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). |
| Cost | Fineco | Earn | |
|---|---|---|---|
| Average Spread EUR/USD - Standard | N/A | N/A | |
| All-in Cost EUR/USD - Active | N/A | N/A | |
| Active Trader or VIP Discounts | No | Yes | |
| Inactivity Fee | No | No | |
| Execution: Agency Broker | No | No | |
| Execution: Market Maker | No | Yes |
| Funding | Fineco | Earn | |
|---|---|---|---|
| Minimum Deposit | $0 | $100 | |
| PayPal (Deposit/Withdraw) | No | No | |
| Skrill (Deposit/Withdraw) | No | Yes | |
| Visa/Mastercard (Credit/Debit) | No | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| ACH or SEPA Transfers | Yes | No |
| Trading Platforms | Fineco | Earn | |
|---|---|---|---|
| Proprietary Platform | Yes | No | |
| Desktop Platform (Windows) | Yes | Yes | |
| Web Platform | Yes | Yes | |
| Social Trading / Copy Trading | No | Yes | |
| MetaTrader 4 (MT4) | No | Yes | |
| MetaTrader 5 (MT5) | No | Yes | |
| cTrader | No | No | |
| DupliTrade | No | No | |
| ZuluTrade | No | Yes |
| Trading Tools | Fineco | Earn | |
|---|---|---|---|
| Virtual Trading (Demo) | No | Yes | |
| Alerts - Basic Fields | No | Yes | |
| Watchlists - Total Fields | N/A | 7 | |
| Charting - Indicators / Studies (Total) | 37 | 35 | |
| Charting - Drawing Tools (Total) | 7 | 15 | |
| Charting - Trade From Chart | No | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | Fineco | Earn | |
|---|---|---|---|
| Android App | Yes | Yes | |
| Apple iOS App | Yes | Yes | |
| Mobile Alerts - Basic Fields | Yes | Yes | |
| Mobile Watchlist | No | Yes | |
| Watchlist Syncing | No | No | |
| Mobile Charting - Indicators / Studies | 6 | 35 | |
| Mobile Charting - Draw Trendlines | No | Yes | |
| Mobile Charting - Multiple Time Frames | Yes | Yes | |
| Mobile Charting - Drawings Autosave | No | Yes | |
| Mobile Economic Calendar | Yes | Yes |
| Research | Fineco | Earn | |
|---|---|---|---|
| Daily Market Commentary | No | Yes | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central (Recognia) | No | No | |
| TipRanks | No | No | |
| Social Sentiment - Currency Pairs | No | No | |
| Economic Calendar | Yes | Yes |
| Education | Fineco | Earn | |
|---|---|---|---|
| Education (Forex or CFDs) | No | No | |
| Client Webinars | Yes | No | |
| Client Webinars (Archived) | No | No | |
| Videos - Beginner Trading Videos | Yes | No | |
| Videos - Advanced Trading Videos | No | No | |
| Investor Dictionary (Glossary) | Yes | No |
| Major Forex Pairs | Fineco | Earn | |
|---|---|---|---|
| GBP/USD | Yes | Yes | |
| USD/JPY | Yes | Yes | |
| EUR/USD | Yes | Yes | |
| USD/CHF | Yes | Yes | |
| USD/CAD | Yes | Yes | |
| NZD/USD | Yes | Yes | |
| AUD/USD | Yes | Yes | |
| Review | Fineco Review |
| Overall | Fineco | Earn | |
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| Trust Score | 94 | 71 | |
| Winner | check_circle | ||
| Review | Fineco Review |
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