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, it's essential to consider their commissions and fees, especially if you're keen on forex and CFD trading. FinecoBank does not disclose average spread data for forex and CFD trading, making it challenging to evaluate its overall trading costs accurately. The broker lists a spread of 1 pip for the EUR/USD and sometimes 0.8 pips. However, these figures are not presented as average values, and specific dates are not given. Notably, Fineco offers potentially more competitive spreads on its index CFDs.
On the other hand, Earn also lacks average spread data, which could make assessing its trading costs less straightforward. However, Earn is generally seen as more favorable in the commissions and fees category than FinecoBank, as reflected in their respective star ratings. Earn earns a commendable 4 stars, while FinecoBank garners 3.5 stars.
In terms of industry rankings by ForexBrokers.com, FinecoBank is placed at #50 out of 62 brokers for commissions and fees, whereas Earn ranks slightly better at #46. This ranking suggests that Earn may provide a more cost-effective trading experience compared to FinecoBank, even without detailed average spread data. Both brokers have room to improve, but Earn appears to edge out FinecoBank in this comparison.
| 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 range of investments offered by FinecoBank and Earn, there are some key differences worth noting. FinecoBank boasts a broad array of 9,770 tradeable symbols compared to Earn's 500. Both brokers offer forex trading, with Earn providing slightly more with 61 forex pairs, whereas FinecoBank offers 54. For investors keen on purchasing exchange traded securities, FinecoBank stands out with access to both U.S. and international exchanges, enabling clients to invest in companies like Apple and Vodafone directly. Meanwhile, Earn does not provide access to these markets for direct stock purchases, focusing more on forex and cryptocurrency derivatives.
For those interested in social investing features, Earn supports copy trading, allowing investors to mimic the trades of successful investors, a feature not available through FinecoBank. Additionally, while neither broker offers the option to buy actual cryptocurrencies, Earn does provide the ability to trade cryptocurrency derivatives. Both brokers are recognized for their investment range, with FinecoBank scoring 4.5 stars and ranking 16th out of 62 brokers per ForexBrokers.com, whereas Earn is rated at 3.5 stars and holds the 45th spot in the ranking.
| 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.
When comparing the trading platforms of FinecoBank and Earn, each offers unique strengths to traders. FinecoBank boasts an in-house developed proprietary platform, providing a tailored trading experience and a desktop download option for Windows users. Additionally, its web-based platform ensures accessibility from any browser. However, FinecoBank lacks certain features offered by competitors, such as MetaTrader 4 and 5, and it does not provide a virtual demo account for practice. In contrast, Earn takes a different approach by offering a broader range of platforms, including MetaTrader 4 and 5, complemented by a free simulated trading account to help users hone their skills in a risk-free environment. Furthermore, Earn supports features like copy trading and ZuluTrade, adding more versatility to their platform range.
On the charting front, FinecoBank offers seven drawing tools, but Earn outdoes this with fifteen tools, enhancing the chart analysis experience. Earn also enables trading directly from stock charts, a feature missing in FinecoBank's toolbox. Despite these distinctions, both brokers receive a commendable four-star rating for their trading platforms and tools. When ranked among 62 brokers by ForexBrokers.com, FinecoBank secures the 18th spot, demonstrating a strong standing in the trading community, while Earn holds the 51st position. While both brokers have their merits, the choice ultimately depends on the specific functionality and trading features most important to individual traders.
| 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 platforms offer user-friendly apps for iPhone and Android devices, allowing traders to stay connected and manage their investments on the go. Both apps provide stock and forex price alerts, ensuring users remain updated on market movements. However, neither FinecoBank nor Earn supports watchlist symbol syncing, which could be a limitation for those who frequently switch between their mobile and desktop devices.
For charting features, Earn significantly outpaces FinecoBank, offering 35 technical studies compared to FinecoBank’s 6. Earn also allows users to draw trendlines and automatically saves drawings, adding convenience for those who frequently analyze charts in-depth. In contrast, FinecoBank lacks these functionalities. While both apps support viewing multiple time frames, Earn goes a step further by enabling the creation of watchlists with real-time quotes, a feature FinecoBank does not offer. Despite these differences, both apps receive a solid 4-star rating for their mobile trading capabilities. Nonetheless, according to ForexBrokers.com, Earn is ranked #27 out of 62 brokers for its mobile trading app, notably higher than FinecoBank's rank of #42, indicating a generally more favorable evaluation of Earn’s mobile trading features.
| 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 comparing FinecoBank and Earn, it becomes clear that both have strengths and limitations in market research offerings. FinecoBank does not provide daily market commentary, while Earn fills this gap by offering daily insights. Both platforms ensure access to quality forex news from top-tier sources such as Bloomberg and Reuters, helping traders stay updated on market movements. However, neither FinecoBank nor Earn offer research tools from Autochartist, Trading Central, or Acuity Trading, nor do they provide sentiment-based trading tools or market research from TipRanks.
Both brokers equip their users with an economic calendar, listing significant global news events that could impact trading decisions. In terms of ratings, FinecoBank scores slightly higher with 4.0 stars compared to Earn's 3.5 stars for market research. Among 62 brokers rated by ForexBrokers.com, FinecoBank ranks #33, while Earn is positioned at #38, showcasing a marginal edge in research capabilities for FinecoBank. This analysis illustrates the differences and similarities between the two platforms, guiding users to choose based on their specific market research needs.
| 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 the educational resources available for beginners between FinecoBank and Earn, FinecoBank seems to be the better choice for those just starting in trading. FinecoBank offers beginner-friendly educational resources, such as more than 10 videos specifically designed for newcomers, and hosts online client webinars each month to facilitate continuous learning. Although FinecoBank does not provide education on forex or CFDs with a dedicated collection of articles or webinars, and lacks a searchable archive of past webinars, the availability of a comprehensive investor dictionary containing over 50 terms is a valuable tool for beginners looking to expand their market vocabulary.
In contrast, Earn's educational resources fall short in several areas essential for beginners. Not only does Earn lack a series of beginner educational videos, but it also does not offer regular monthly webinars or a robust investor dictionary, which FinecoBank provides. With an education rating of 4.0 stars for FinecoBank versus Earn's 3.5 stars, and a respective ranking of 49th compared to 61st out of 62 brokers at ForexBrokers.com, FinecoBank appears to be the stronger contender for those new to the trading scene seeking educational support.
| 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 62 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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