Written by ForexBrokers.com
In this head to head comparison of Fineco vs Trading 212, 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.
Founded in 1999, Fineco stands out as a highly trusted online broker rated 94 out of 99 by ForexBrokers.com. As a publicly traded bank, it holds two Tier-1 licenses, suggesting strong regulatory oversight. This robust regulatory backing provides users with a sense of security and reliability, making Fineco a solid choice for those seeking a stable trading platform.
On the other hand, Trading 212, established in 2004, offers a different proposition. It is not publicly traded and it is not a bank, yet it holds three Tier-1 licenses. Additionally, Trading 212 has a Trust Score of 80, classifying it as a trusted broker. Despite the differences in Trust Scores and regulatory structures, Trading 212’s licenses also contribute to maintaining user trust, catering to traders who are looking for a reputable and trustworthy platform.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Year Founded | 1999 | 2004 |
| Publicly Traded (Listed) | Yes | No |
| Bank | Yes | No |
| Tier-1 Licenses | 2 | 3 |
| Tier-2 Licenses | 0 | 0 |
| Tier-3 Licenses | 0 | 0 |
| Tier-4 Licenses | 0 | 0 |
When it comes to comparing the commissions and fees of online brokers Fineco and Trading 212, there are distinct differences to consider. Fineco does not readily disclose average spread data for forex and CFD trading, which makes it challenging to understand its full trading costs. Notably, Fineco lists a spread of 1 pip for the EUR/USD pair, which is higher than what many forex brokers typically offer, and another listed spread of 0.8 pips. However, these spreads lack average value indication and specific dates, complicating comparison. It is important to note that Fineco does appear to offer comparatively lower spreads on its index CFDs, earning it a 3.5-star rating and a #51 ranking for commissions and fees among 63 brokers.
By contrast, Trading 212 provides two account options: the Invest account for share trading with a minimum deposit of 1 euro, and the CFD account for trading CFDs requiring a 10 euro deposit. This comparison highlights the CFD account, where Trading 212 promotes zero-commission trading but applies a spread for CFD and forex trading. Trading 212 has made strides in transparency by publishing its average spread data. For instance, the EUR/USD pair had an average spread of 2.7 pips as of April 2025, which is notably higher than the industry standard and less competitive among the top brokers. Despite this, Trading 212 enjoys a slightly better rating of 4 stars and is ranked #49 for commissions and fees.
Ultimately, both brokers have unique strengths and weaknesses in terms of their commissions and fee structures. Fineco may appeal to those interested in trading index CFDs with potentially lower spreads, yet lacks transparency in its spread disclosure. Trading 212 stands out for its more transparent average spread data, though its higher spreads may be off-putting for some traders. Given their respective rankings and star ratings, Fineco and Trading 212 cater to different preferences but provide essential information to help traders make informed decisions.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Minimum Deposit | $0 | €1 |
| Average Spread EUR/USD - Standard | N/A | 2.7 |
| All-in Cost EUR/USD - Active | N/A | 2.7 |
| Active Trader or VIP Discounts | No | No |
| ACH or SEPA Transfers | Yes | Yes |
| PayPal (Deposit/Withdraw) | No | Yes |
| Skrill (Deposit/Withdraw) | No | No |
| Visa/Mastercard (Credit/Debit) | No | Yes |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
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When comparing Fineco and Trading 212, both offer forex trading options through CFDs or spot contracts, catering to diverse trading preferences. Fineco stands out with a wider selection of 9,770 tradeable symbols, yet Trading 212 is not far behind with 7,868 options. While Fineco provides 54 tradeable forex pairs, Trading 212 impresses with a higher count of 146. Both brokers authorize trading of exchange-traded securities on U.S. and international exchanges, allowing for investments in prominent companies such as Apple and Vodafone.
However, neither Fineco nor Trading 212 permits the purchase of actual cryptocurrency, although Trading 212 offers the opportunity to invest in cryptocurrency derivatives. Both platforms lack copy trading features, a potential drawback for those seeking to follow other traders' strategies. With a 4.5-star rating for range of investments, Fineco sits at the 16th spot in ForexBrokers.com's ranking, slightly trailing Trading 212, which is rated 5 stars and holds the 15th position. Thus, selecting between Fineco and Trading 212 largely depends on traders' priorities in terms of forex pair variety and trading tools.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 9770 | 7868 |
| Forex Pairs (Total) | 54 | 146 |
| U.S. Stock Trading (Non CFD) | Yes | Yes |
| Int'l Stock Trading (Non CFD) | Yes | Yes |
| Social Trading / Copy Trading | No | No |
| 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). |
Dive deeper: Best Copy Trading Platforms.
When it comes to trading platforms and tools, Fineco and Trading 212 each have their unique offerings. Fineco provides a proprietary trading platform that includes a Windows-based desktop download as well as a web-based platform. However, it does not offer a simulated trading feature or support for popular platforms like MetaTrader 4 and 5. On the other hand, while Trading 212 lacks a desktop download option, it compensates by offering a proprietary web-based platform and a virtual demo account for practice. This makes Trading 212 appealing for those who favor web trading with a hands-on opportunity to hone their skills risk-free.
For chart enthusiasts, Trading 212 stands out by offering 20 drawing tools and the ability to trade directly from stock charts, compared to Fineco’s 7 drawing tools and lack of this direct trading feature. Both platforms, however, do not support copy trading or integration with third-party platforms like ZuluTrade and DupliTrade. Despite these limitations, both brokers receive a commendable 4-star rating for their trading platforms and tools. Fineco ranks slightly higher at #18 compared to Trading 212’s #20 in the category of Trading Platforms and Tools according to ForexBrokers.com’s rankings, indicating a generally favorable reception relative to their peers.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Virtual Trading (Demo) | No | Yes |
| Proprietary Platform | Yes | Yes |
| Desktop Platform (Windows) | Yes | No |
| Web Platform | Yes | Yes |
| Social Trading / Copy Trading | No | No |
| MetaTrader 4 (MT4) | No | No |
| MetaTrader 5 (MT5) | No | No |
| DupliTrade | No | No |
| ZuluTrade | No | No |
| Charting - Indicators / Studies (Total) | 37 | 54 |
| Charting - Drawing Tools (Total) | 7 | 20 |
| Charting - Trade From Chart | No | Yes |
| Watchlists - Total Fields | N/A | 5 |
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Both Fineco and Trading 212 provide convenient mobile trading apps available for iPhone and Android users. While both platforms support essential features like stock and forex price alerts and the ability to view multiple time frames on charts, Trading 212 takes a leap ahead with the inclusion of watchlist symbol syncing, allowing seamless updates between mobile and online accounts. This feature is absent in Fineco's app. Additionally, Trading 212 stands out with its 104 technical studies for charting, compared to Fineco's 6, and offers the ability to draw trendlines and have those drawings auto-saved, enhancing the user experience for traders who rely on technical analysis.
On the functionality front, Trading 212 impresses with the capability to create a watchlist with real-time quotes, a feature not available in Fineco's app. This combination of advanced features earns both platforms a fair rating of 4 stars for their mobile trading apps, yet Trading 212 ranks significantly higher in the ForexBrokers.com standings at 17th out of 63 brokers, while Fineco is positioned at 42nd. This might indicate that Trading 212's user-focused features and intuitive design make it a more attractive option for investors who prioritize flexibility and detailed analysis on-the-go.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Alerts - Basic Fields | Yes | Yes |
| Watchlist Syncing | No | Yes |
| Mobile Charting - Indicators / Studies | 6 | 104 |
| Mobile Charting - Draw Trendlines | No | Yes |
| Mobile Charting - Multiple Time Frames | Yes | Yes |
| Mobile Charting - Drawings Autosave | No | Yes |
| Mobile Watchlist | No | Yes |
Dive deeper: Best Forex Trading Apps.
When comparing Fineco and Trading 212 in terms of market research offerings, both platforms provide access to forex news from top-tier sources like Bloomberg and Reuters, ensuring that users receive high-quality market updates. However, neither broker offers daily market commentary or technical analysis tools from companies like Autochartist and Trading Central. Fineco and Trading 212 also lack research tools from Acuity Trading and market insights from TipRanks. However, a key difference is that Trading 212 does offer a sentiment-based trading tool, offering valuable insights into traders' positions on currency pairs and other instruments, something Fineco does not provide.
Both Fineco and Trading 212 include an economic calendar to keep traders informed about global financial events. Despite these similarities, Fineco edges ahead with a higher research rating of 4.0 stars compared to Trading 212's 3.5 stars. In the 2023 ForexBrokers.com rankings, Fineco holds the 33rd position out of 63 brokers, while Trading 212 is ranked 44th, indicating that Fineco has a slightly stronger offering in research tools and resources.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Daily Market Commentary | No | No |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central (Recognia) | No | No |
| Social Sentiment - Currency Pairs | No | Yes |
| TipRanks | No | No |
| Signal Centre (Acuity Trading) | No | No |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
When comparing the educational resources available to beginners, Fineco and Trading 212 each offer distinct advantages. Fineco provides regular educational webinars for its clients, at the rate of at least one per month, allowing beginners to engage in real-time learning sessions. However, the lack of a searchable archive for past webinars means that users miss the opportunity to revisit these sessions at their convenience. On the other hand, Trading 212 does not offer regular monthly webinars, but it compensates with an extensive library of archived webinars, which can be crucial for individuals who prefer to learn at their own pace. Both platforms offer over ten beginner-friendly educational videos, making them equally helpful in this regard. Additionally, each broker provides a comprehensive investor dictionary, ensuring that novices have access to a wealth of basic knowledge.
Trading 212 stands out with a variety of educational materials focused on forex and CFDs, offering over 10 such resources, whereas Fineco lacks this specific focus. For those seeking more advanced insights, Trading 212 again has the edge, providing over 10 advanced educational videos, a feature that Fineco doesn't match. Despite this, Fineco’s overall education rating is slightly higher at 4.0 stars compared to Trading 212's 3.5 stars. Interestingly, in educational rankings among 63 brokers by ForexBrokers.com, Fineco is placed at #49, while Trading 212 is significantly higher at #20, suggesting that while Fineco has its strengths, Trading 212 might offer a more comprehensive educational experience for those exploring more complex trading concepts.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Education (Forex or CFDs) | No | Yes |
| Client Webinars | Yes | No |
| Client Webinars (Archived) | No | Yes |
| Videos - Beginner Trading Videos | Yes | Yes |
| Videos - Advanced Trading Videos | No | Yes |
| Investor Dictionary (Glossary) | Yes | Yes |
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 Trading 212. Fineco finished with an overall rank of #25, while Trading 212 finished with an overall rank of #31.
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
|
Trading 212
|
|---|---|---|
| Overall Rating |
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| Trust Score | 94 | 80 |
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Fineco does not permit the purchase of actual cryptocurrency or its derivatives, whereas Trading 212 does not allow buying actual cryptocurrency either but does enable the purchase of cryptocurrency derivatives.
Fineco and Trading 212 both support ACH and SEPA transfers along with bank wires for depositing or withdrawing funds, while Trading 212 additionally offers PayPal and credit card options, unlike Fineco.
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 | Trading 212 | |
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| Trust Score | 94 | 80 | |
| Winner | check_circle | ||
| Review | Fineco Review | Trading 212 Review |
| Broker Screenshots | Fineco | Trading 212 | |
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| Regulation | Fineco | Trading 212 | |
|---|---|---|---|
| Trust Score | 94 | 80 | |
| Year Founded | 1999 | 2004 | |
| Publicly Traded (Listed) | Yes | No | |
| Bank | Yes | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 2 | 3 | |
| Tier-2 Licenses | 0 | 0 | |
| Tier-3 Licenses | 0 | 0 | |
| Tier-4 Licenses | 0 | 0 |
| Tier-1 Licenses (Highly Trusted) | Fineco | Trading 212 | |
|---|---|---|---|
| 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 | Yes | |
| 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 | Trading 212 | |
|---|---|---|---|
| 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 | Trading 212 | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 9770 | 7868 | |
| Forex Pairs (Total) | 54 | 146 | |
| U.S. Stock Trading (Non CFD) | Yes | Yes | |
| Int'l Stock Trading (Non CFD) | Yes | Yes | |
| Social Trading / Copy Trading | No | No | |
| 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 | Trading 212 | |
|---|---|---|---|
| Average Spread EUR/USD - Standard | N/A | 2.7 | |
| All-in Cost EUR/USD - Active | N/A | 2.7 | |
| Active Trader or VIP Discounts | No | No | |
| Inactivity Fee | No | No | |
| Execution: Agency Broker | No | Yes | |
| Execution: Market Maker | No | Yes |
| Funding | Fineco | Trading 212 | |
|---|---|---|---|
| Minimum Deposit | $0 | €1 | |
| PayPal (Deposit/Withdraw) | No | Yes | |
| Skrill (Deposit/Withdraw) | No | No | |
| Visa/Mastercard (Credit/Debit) | No | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| ACH or SEPA Transfers | Yes | Yes |
| Trading Platforms | Fineco | Trading 212 | |
|---|---|---|---|
| Proprietary Platform | Yes | Yes | |
| Desktop Platform (Windows) | Yes | No | |
| Web Platform | Yes | Yes | |
| Social Trading / Copy Trading | No | No | |
| MetaTrader 4 (MT4) | No | No | |
| MetaTrader 5 (MT5) | No | No | |
| cTrader | No | No | |
| DupliTrade | No | No | |
| ZuluTrade | No | No |
| Trading Tools | Fineco | Trading 212 | |
|---|---|---|---|
| Virtual Trading (Demo) | No | Yes | |
| Alerts - Basic Fields | No | Yes | |
| Watchlists - Total Fields | N/A | 5 | |
| Charting - Indicators / Studies (Total) | 37 | 54 | |
| Charting - Drawing Tools (Total) | 7 | 20 | |
| Charting - Trade From Chart | No | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | Fineco | Trading 212 | |
|---|---|---|---|
| Android App | Yes | Yes | |
| Apple iOS App | Yes | Yes | |
| Mobile Alerts - Basic Fields | Yes | Yes | |
| Mobile Watchlist | No | Yes | |
| Watchlist Syncing | No | Yes | |
| Mobile Charting - Indicators / Studies | 6 | 104 | |
| 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 | Trading 212 | |
|---|---|---|---|
| Daily Market Commentary | No | No | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central (Recognia) | No | No | |
| TipRanks | No | No | |
| Social Sentiment - Currency Pairs | No | Yes | |
| Economic Calendar | Yes | Yes |
| Education | Fineco | Trading 212 | |
|---|---|---|---|
| Education (Forex or CFDs) | No | Yes | |
| Client Webinars | Yes | No | |
| Client Webinars (Archived) | No | Yes | |
| Videos - Beginner Trading Videos | Yes | Yes | |
| Videos - Advanced Trading Videos | No | Yes | |
| Investor Dictionary (Glossary) | Yes | Yes |
| Major Forex Pairs | Fineco | Trading 212 | |
|---|---|---|---|
| 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 | Trading 212 Review |
| Overall | Fineco | Trading 212 | |
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| Trust Score | 94 | 80 | |
| Winner | check_circle | ||
| Review | Fineco Review | Trading 212 Review |
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