Written by ForexBrokers.com
In this head to head comparison of FinecoBank 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.
FinecoBank, founded in 1999, and Earn, established in 1994, are both prominent players in the online brokerage industry. A notable difference is that FinecoBank is a publicly traded financial institution, while Earn operates privately and does not function as a bank. In terms of regulatory standing, FinecoBank holds two Tier-1 licenses, indicating a high level of credibility, whereas Earn has one Tier-1 license. This detail underscores the difference in their regulatory compliance and oversight.
When it comes to trust ratings, as per ForexBrokers.com, FinecoBank scores a remarkable 94 out of 99, suggesting it is highly trusted. Earn, on the other hand, has a trust score of 71, placing it in the average risk category. These ratings reflect not just their adherence to industry regulations but also a measure of investor confidence based on their operational histories and financial practices.
| Feature |
FinecoBank
|
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 comparing FinecoBank and Earn for their commissions and fees, FinecoBank presents certain challenges due to its lack of transparency. Fineco does not disclose average spread data for forex and CFD trading, making it difficult to fully understand their trading costs. They list an indicative spread of 1 pip for the EUR/USD pair; however, without specifying if this is an average figure and without sharing any date range, evaluating the competitiveness of these spreads becomes tricky. FinecoBank's spreads are typically higher than those offered by other brokers, though it may provide more competitive spreads on index CFDs. FinecoBank has been rated 3.5 out of 5 stars for commissions and fees and is ranked #51 out of 63 brokers by ForexBrokers.com.
In contrast, while specific average spread data is also unavailable for Earn, this broker seems to offer a slightly better structure in terms of commissions and fees overall. Earn has been rated 4 out of 5 stars, indicating a more satisfactory experience for clients when it comes to cost. ForexBrokers.com ranks Earn at #45 out of 63 in the Commissions and Fees category, suggesting that users might find more value with Earn compared to FinecoBank.
| Feature |
FinecoBank
|
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 |
Dive deeper: Best Low Spread Forex Brokers.
When it comes to the diversity of investment options, FinecoBank stands out with an impressive total of 9,770 tradable symbols, significantly surpassing Earn's offering of 500. Both brokers provide forex trading through contracts for difference (CFDs) or spot contracts, with FinecoBank offering 54 forex pairs compared to Earn's 61. In terms of exchange-traded securities, FinecoBank provides access to both U.S. and international exchanges, enabling clients to purchase shares like Apple and Vodafone directly. However, Earn does not offer trading on U.S. or international exchanges in this manner. While FinecoBank lacks support for copy trading, Earn fills this gap by allowing users to mimic other traders' strategies. Neither broker allows clients to purchase actual cryptocurrencies, but Earn does permit investment in cryptocurrency derivatives.
Reflecting these offerings, FinecoBank is rated 4.5 stars in the range of investments category by ForexBrokers.com, ranking 16th out of 63 brokers. Earn, on the other hand, receives a 3.5-star rating and ranks 45th in the same category. This detailed comparison highlights that FinecoBank excels in providing a broader spectrum of tradable assets, particularly in traditional markets without focusing on cryptocurrency investments, while Earn offers targeted support for forex enthusiasts and those interested in leveraging copy trading.
| Feature |
FinecoBank
|
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). |
Dive deeper: Best Copy Trading Platforms.
FinecoBank and Earn offer trading platforms with distinct strengths and features tailored to different types of investors. FinecoBank stands out with its proprietary trading platform available for both Windows-based desktop downloads and web access, making it a solid choice for those who appreciate exclusive, in-house technology. In contrast, Earn doesn't offer its own proprietary platform but provides popular third-party solutions like MetaTrader 4 and MetaTrader 5, appealing to traders seeking these widely used systems. Earn also supports copy trading and ZuluTrade, widening its appeal for traders interested in automated strategies.
For traders interested in using visual tools, FinecoBank provides 7 drawing tools for charting, while Earn offers a more robust set of 15 drawing tools, enhancing the analysis capabilities for its users. Earn also allows trading directly from a stock chart and boasts a comprehensive watch list with 7 columns, adding to its usability for active traders. While both brokers enjoy a respectable star rating of 4 out of 5 for their trading platforms and tools, FinecoBank ranks higher at 18th place according to ForexBrokers.com, compared to Earn's 51st position, indicating a preference in the broader financial community for FinecoBank's offering in this category.
| Feature |
FinecoBank
|
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 |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
When comparing the mobile trading apps of FinecoBank and Earn, both offer convenient accessibility with apps available on iPhone and Android devices. Users of each app can receive stock or forex price alerts directly on their phones. However, neither platform currently supports the syncing of watchlist symbols between the mobile app and the online account, meaning that any changes you make will not automatically update across platforms.
For traders focused on technical analysis, Earn offers a significant advantage with 35 technical studies available in its mobile app compared to FinecoBank's 6. Additionally, Earn provides the ability to draw trendlines on charts, automatically saving these drawings, while FinecoBank does not. Both platforms allow viewing of multiple time frames on charts. Furthermore, Earn enables creation of watchlists with real-time quotes, a feature missing from FinecoBank's app. Although both apps received a 4-star rating for their mobile trading experiences, Earn is ranked higher at #27 compared to FinecoBank’s #42 in the Mobile Trading Apps category by ForexBrokers.com.
| Feature |
FinecoBank
|
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 |
Dive deeper: Best Forex Trading Apps.
When choosing between FinecoBank and Earn for online market research, there are several factors to consider. FinecoBank excels by providing forex news from top-tier sources like Bloomberg, Reuters, and Dow Jones, just like Earn. However, FinecoBank does not provide daily market commentary, a service that Earn does offer. Both brokers lack technical analysis tools from companies such as Autochartist and Trading Central. Moreover, neither offers sentiment-based trading tools or market research from TipRanks and Acuity Trading. Importantly, both services offer an economic calendar to keep traders informed about vital global news events.
In terms of ratings, FinecoBank is slightly ahead with a 4.0-star rating for research compared to Earn's 3.5 stars. Out of 63 brokers, FinecoBank holds the 33rd position while Earn is ranked at 38th in the Research category on ForexBrokers.com. These ratings and features make FinecoBank a more appealing choice for those prioritizing comprehensive forex news and higher research ratings, while Earn might be more suitable for traders looking for reliable daily market commentary.
| Feature |
FinecoBank
|
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 comparing FinecoBank and Earn for educational resources tailored to beginners in trading, FinecoBank takes the lead with more comprehensive offerings. While neither platform provides content specifically targeting forex or CFD education, FinecoBank sets itself apart by hosting online webinars for its clients every month, which is not the case with Earn. However, neither broker offers a searchable archive of past webinars, which may limit the ability to revisit and learn from previous sessions.
For beginner traders looking for video-based learning, FinecoBank again stands out by offering at least ten educational videos that cover trading fundamentals, providing a stronger learning foundation compared to Earn's offerings. Additionally, FinecoBank supplies an investor dictionary with over 50 investing terms, which is absent from Earn's resources. Overall, FinecoBank receives a higher education rating of 4.0 stars compared to Earn's 3.5 stars and ranks 49th among 63 brokers in the Education category, whereas Earn ranks 62nd, highlighting FinecoBank's stronger appeal for educational support to beginners.
| Feature |
FinecoBank
|
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 FinecoBank is better than Earn. FinecoBank 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 |
FinecoBank
|
Earn
|
|---|---|---|
| Overall Rating |
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| Trust Score | 94 | 71 |
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While FinecoBank does not provide its users with the option to buy either actual delivered cryptocurrency or cryptocurrency derivatives, Earn allows the purchase of cryptocurrency derivatives but not the actual delivered cryptocurrency.
In comparing online brokers FinecoBank and Earn, FinecoBank provides ACH or SEPA transfers and bank wires for deposits and withdrawals, while Earn facilitates transactions via Skrill, Visa or Mastercard, and bank wires, offering more diverse options despite both lacking PayPal capabilities.
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 | FinecoBank | Earn | |
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| Trust Score | 94 | 71 | |
| Winner | check_circle | ||
| Review | FinecoBank Review |
| Broker Screenshots | FinecoBank | Earn | |
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| Regulation | FinecoBank | 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) | FinecoBank | 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) | FinecoBank | 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 | FinecoBank | 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 | FinecoBank | 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 | FinecoBank | 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 | FinecoBank | 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 | FinecoBank | 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 | FinecoBank | 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 | FinecoBank | 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 | FinecoBank | 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 | FinecoBank | 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 | FinecoBank Review |
| Overall | FinecoBank | Earn | |
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| Trust Score | 94 | 71 | |
| Winner | check_circle | ||
| Review | FinecoBank Review |
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