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 |
Comparing commissions and fees, both Fineco and Earn fall short on transparency. Neither broker publishes average spread data for forex and CFDs, which makes it tough to judge true trading costs. Fineco lists EUR/USD spreads of 1.0 pip and 0.8 pips, but these are not stated as averages and no date range is provided; 1.0 pip would be higher than what many forex brokers typically quote. Fineco does appear to offer lower spreads on index CFDs. Earn also does not provide average spread figures, so its day‑to‑day pricing is similarly hard to evaluate.
Based on our ratings for commissions and fees, Earn edges out Fineco: Earn earns 4 out of 5 stars and ranks #46 out of 63 brokers at ForexBrokers.com, while Fineco scores 3.5 out of 5 stars and ranks #52 out of 63. In short, Earn receives a slightly better cost-related score, though the lack of published average spreads at both brokers means real-world results can vary.
If you trade EUR/USD, be aware that Fineco’s listed spreads (not averages) can be higher than many peers; if you favor index CFDs, Fineco may be more competitive. With Earn, plan to verify live spreads and any commissions directly on the platform. For either broker, check real-time quotes, account terms, and any additional fees before you trade.
| 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 |
| Non-wire bank transfer | Yes | No |
| PayPal (Deposit/Withdraw) | No | No |
| Skrill (Deposit/Withdraw) | No | Yes |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
Fineco vs Earn: For range of investments, Fineco delivers far more markets, with 9,770 tradeable symbols compared with Earn’s 500. Both brokers let you trade forex as CFDs or spot, though Earn lists slightly more currency pairs (61 vs Fineco’s 54). Fineco supports exchange-traded securities, so you can buy shares on U.S. and international exchanges (for example, Apple on Nasdaq or Vodafone in London), while Earn does not offer share dealing. Neither broker lets you buy actual cryptocurrency, but Earn does provide crypto derivatives, whereas Fineco does not. Copy trading is available at Earn and not at Fineco.
Independent ratings reinforce the difference: for Range of Investments, ForexBrokers.com scores Fineco 4.5/5 and ranks it 17th out of 63 brokers, while Earn earns 3.5/5 and ranks 46th. Choose Fineco if you want the widest selection of markets and access to global shares; pick Earn if you value copy trading, crypto derivatives, or a slightly larger list of forex pairs.
| 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 (Underlying) | 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.
Comparing Fineco and Earn on trading platforms and tools: Fineco offers its own proprietary platform, while Earn leans on third‑party options and supports MetaTrader 4 (MT4) and MetaTrader 5 (MT5), which Fineco does not. Both brokers provide a Windows desktop download and a web-based platform. Earn stands out for extras like copy trading, a free paper trading demo account, and the ability to place orders directly from charts—features that Fineco does not offer.
Both brokers earn 4 out of 5 stars for Trading Platforms and Tools on ForexBrokers.com, but Fineco ranks higher in the category (#18 of 63) than Earn (#52 of 63). Choose Fineco if you want an in-house platform and a higher category standing, or go with Earn if MT4/MT5 access, a demo account, copy trading, and chart trading are priorities.
| Feature |
Fineco
|
Earn
|
|---|---|---|
| Virtual Trading (Demo) | No | Yes |
| Proprietary Desktop Trading 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 |
| Charting - Indicators / Studies (Total) | 37 | 35 |
| Charting - Trade From Chart | No | Yes |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
Fineco and Earn both offer mobile trading apps for iPhone and Android, and each supports price alerts. Both received 4 out of 5 stars for mobile trading, but Earn ranks higher (#28 of 63) than Fineco (#43 of 63) on ForexBrokers.com. Neither app syncs watchlists between the web platform and mobile, but only Earn lets you build watchlists with real-time quotes; Fineco does not.
If you care about charting tools, Earn is the stronger pick. Earn includes 35 technical studies, lets you draw trendlines, and auto-saves your drawings. Fineco offers 6 studies, doesn’t support trendline drawing, and won’t save chart drawings. Details about multi–time frame views weren’t specified for either app. In short, casual traders may find both apps workable, but traders who want deeper chart analysis and real-time watchlists will likely prefer Earn.
| Feature |
Fineco
|
Earn
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | No | No |
| Mobile Charting - Indicators / Studies | 6 | 35 |
| Mobile Charting - Draw Trendlines | No | Yes |
| Mobile Charting - Trendlines Autosave | No | Yes |
| Mobile Watchlist | No | Yes |
Dive deeper: Best Forex Trading Apps.
Comparing market research at Fineco vs Earn: both brokers deliver forex news from top-tier sources like Bloomberg, Reuters, or Dow Jones and include an economic calendar to track global events. Earn adds daily market commentary, which Fineco does not. Neither broker lists research tools from Autochartist or Trading Central, and neither offers a sentiment tool that shows long/short positioning. Support for TipRanks or Acuity Trading isn’t specified for either, so plan on using in-house news and calendars rather than third-party analytics suites.
On performance, Fineco earns 4.0 stars for Research and ranks #34 out of 63 brokers at ForexBrokers.com, while Earn scores 3.5 stars and ranks #39. Choose Earn if you want daily commentary baked in; pick Fineco if you prefer a slightly higher-rated research experience with premium news feeds and an economic calendar. Either way, traders get core market research features without advanced add-ons.
| Feature |
Fineco
|
Earn
|
|---|---|---|
| Daily Market Commentary | No | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central (Recognia) | No | No |
| Client sentiment data | No | No |
| TipRanks | ||
| Signal Centre (Acuity Trading) | ||
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
For beginner traders comparing education at online brokers Fineco and Earn, Fineco takes the lead on hands-on learning. Fineco hosts client webinars at least once a month and offers at least 10 beginner-focused trading videos, which can help new traders get up to speed faster. Earn does not run monthly webinars and doesn’t meet the threshold of 10 beginner videos. Both brokers lack 10 or more advanced trading videos. There’s no clear information on whether either provides 10+ forex or CFD-specific educational pieces, a searchable archive of past webinars, or an investor dictionary with 50+ terms.
Ratings back up this gap: Fineco scores 4.0 out of 5 stars for Education and ranks #49 out of 63 brokers on ForexBrokers.com, while Earn scores 3.5 stars and ranks #63. If you value live sessions and a stronger beginner video lineup, Fineco is the more beginner-friendly choice. If you need advanced lessons or archived webinars, check each broker’s site for the latest details.
| Feature |
Fineco
|
Earn
|
|---|---|---|
| Webinars | Yes | No |
| Videos - Beginner Trading Videos | Yes | No |
| Videos - Advanced Trading Videos | No | 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.
Comparing deposit and withdrawal methods, Fineco supports ACH/SEPA transfers and bank wires but not PayPal or Skrill, while Earn does not support ACH/SEPA, supports Skrill and bank wires, does not support PayPal, and Visa/Mastercard availability is not specified for either broker.
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 | |
|---|---|---|---|
| Broker Gallery (click to expand) |
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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) | |||
| 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) | |||
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | No | No | |
| UAE (DFSA, FSRA, or SCA Authorised) | No | No | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) |
| 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 (Underlying) | 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 | |
| Inactivity Fee | No | No | |
| Order execution: Agency | No | No | |
| Order execution: Market Maker | No | Yes |
| Funding | Fineco | Earn | |
|---|---|---|---|
| Minimum Deposit | $0 | $100 | |
| PayPal (Deposit/Withdraw) | No | No | |
| Skrill (Deposit/Withdraw) | No | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| Non-wire bank transfer | Yes | No |
| Trading Platforms | Fineco | Earn | |
|---|---|---|---|
| Proprietary Desktop Trading 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 |
| Trading Tools | Fineco | Earn | |
|---|---|---|---|
| Virtual Trading (Demo) | No | Yes | |
| Price Alerts | No | Yes | |
| Charting - Indicators / Studies (Total) | 37 | 35 | |
| 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 Price Alerts | Yes | Yes | |
| Mobile Watchlist | No | Yes | |
| Mobile Watchlists - Syncing | No | No | |
| Mobile Charting - Indicators / Studies | 6 | 35 | |
| Mobile Charting - Draw Trendlines | No | Yes | |
| Mobile Charting - Trendlines Autosave | No | Yes | |
| Mobile Research - 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 | |||
| Client sentiment data | No | No | |
| Economic Calendar | Yes | Yes |
| Education | Fineco | Earn | |
|---|---|---|---|
| Webinars | Yes | No | |
| Videos - Beginner Trading Videos | Yes | No | |
| Videos - Advanced Trading Videos | No | No |
| Major Forex Pairs | Fineco | Earn | |
|---|---|---|---|
| GBP/USD [DELETED] | |||
| USD/JPY | Yes | Yes | |
| EUR/USD | Yes | Yes | |
| USD/CHF | Yes | Yes | |
| USD/CAD | Yes | Yes | |
| NZD/USD | Yes | Yes | |
| AUD/USD [DELETED] | |||
| Review | Fineco Review |
| Overall | Fineco | Earn | |
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| Trust Score | 94 | 71 | |
| Winner | check_circle | ||
| Review | Fineco Review |
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