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 |
Comparing commissions and fees, Trading 212 has a slight edge over Fineco based on independent ratings. Trading 212 earns 4 stars and ranks #50 out of 63 brokers for Commissions and Fees at ForexBrokers.com, while Fineco earns 3.5 stars and ranks #52. Both brokers rely on spreads rather than explicit trading commissions for CFDs and forex, but they differ in how clearly they publish pricing.
Fineco does not publish average spread data for forex and CFDs, making true costs harder to gauge. It lists a EUR/USD spread of 1 pip (and separately 0.8 pips), but neither figure is stated as an average and no date range is provided. The 1-pip figure would be higher than what many forex brokers advertise on average. Fineco does appear to offer lower spreads on index CFDs.
Trading 212 advertises zero-commission trading, but you still pay the spread when trading CFDs and forex. The broker has started publishing average spread data, adding transparency. For April 2025, the average spread on EUR/USD was 2.7 pips—well above the industry average—so overall trading costs for forex and CFDs may be higher than with the cheapest brokers, despite the zero-commission label.
| 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 [DELETED] | ||
| Non-wire bank transfer | Yes | Yes |
| PayPal (Deposit/Withdraw) | No | Yes |
| Skrill (Deposit/Withdraw) | No | No |
| Visa/Mastercard (Credit/Debit) [DELETED] | ||
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
Fineco vs Trading 212: both let you trade forex as CFDs or spot, and both support exchange-traded securities on U.S. markets (like Apple) as well as international exchanges (like Vodafone). Fineco lists more total tradeable symbols overall (9,770 vs 7,868), which may appeal if you want the widest catalogue across asset classes. Trading 212, however, offers far more forex pairs (146 vs 54). Neither broker supports copy trading. For crypto, neither lets you buy actual coins, but Trading 212 does provide access to cryptocurrency derivatives while Fineco does not.
On range of investments, Trading 212 earns 5 stars and ranks #16 out of 63 brokers at ForexBrokers.com, while Fineco scores 4.5 stars and ranks #17. Pick Fineco if a larger overall list of instruments matters most, or choose Trading 212 if you prioritize more forex pairs and the option to trade crypto derivatives. Availability can vary by region, so check what’s offered in your country.
| 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.
Fineco and Trading 212 both offer proprietary platforms and easy-to-use web trading, but they differ in a few key ways. If you want a free demo account for paper trading, Trading 212 provides one, while Fineco does not. Fineco offers a downloadable Windows desktop platform, which Trading 212 lacks. Neither broker supports MetaTrader 4 or MetaTrader 5, and both skip copy trading.
For charting, Trading 212 allows trading directly from the chart, whereas Fineco does not. In independent testing by ForexBrokers.com, both brokers earned 4 stars for Trading Platforms and Tools, with Fineco ranked #18 of 63 and Trading 212 close behind at #20. Choose Trading 212 if you value a demo account and chart trading; pick Fineco if a Windows desktop platform matters to you.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Virtual Trading (Demo) | No | Yes |
| Proprietary Desktop Trading 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 [DELETED] | ||
| ZuluTrade [DELETED] | ||
| Charting - Indicators / Studies (Total) | 37 | 54 |
| Charting - Drawing Tools (Total) [DELETED] | ||
| Charting - Trade From Chart | No | Yes |
| Watchlists - Total Fields [DELETED] |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
Fineco and Trading 212 both offer iPhone and Android apps and support stock and forex price alerts. Each earns a 4 out of 5 star rating for Mobile Trading Apps, so either platform will cover day-to-day monitoring and notifications on the go.
The differences show up in tools and workflow. Trading 212 provides watchlist syncing with your online account, real-time quotes in watchlists, 104 technical studies, trendline drawing, and auto-saving for chart annotations. Fineco, by contrast, does not sync watchlists, lacks real-time quotes in watchlists, offers 6 technical studies, and does not support trendline drawing or auto-save for charts. Reflecting this gap, ForexBrokers.com ranks Trading 212 #17 out of 63 brokers for mobile apps, while Fineco sits at #43. If you want richer charting and streamlined watchlist management, Trading 212 has the edge; if you just need core alerts on iOS and Android, Fineco delivers the essentials.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Watchlist Syncing | No | Yes |
| Mobile Charting - Indicators / Studies | 6 | 104 |
| Mobile Charting - Draw Trendlines | No | Yes |
| Mobile Charting - Multiple Time Frames | ||
| Mobile Charting - Trendlines Autosave | No | Yes |
| Mobile Watchlist | No | Yes |
Dive deeper: Best Forex Trading Apps.
Fineco vs Trading 212 for market research: neither broker offers daily market commentary, but both deliver forex news from top-tier sources such as Bloomberg or Reuters and include an economic calendar. Neither integrates Autochartist or Trading Central. Trading 212 does provide a sentiment tool that shows long/short positioning, which Fineco lacks. Trading 212 does not offer TipRanks or Acuity Trading research; for Fineco, access to TipRanks or Acuity Trading isn’t specified in the provided data.
According to ForexBrokers.com, Fineco earns 4.0/5 for Research (ranked #34 of 63), while Trading 212 scores 3.5/5 (ranked #45). If a built-in sentiment gauge matters, Trading 212 has the edge; if you want a higher overall research rating alongside top-tier news and an economic calendar, Fineco comes out ahead.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Daily Market Commentary | No | No |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central (Recognia) | No | No |
| Client sentiment data | No | Yes |
| TipRanks | No | |
| Signal Centre (Acuity Trading) | No | |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
For beginner-friendly education, Fineco and Trading 212 both offer a solid base of video lessons, with each providing at least 10 beginner videos on trading topics. Fineco hosts client webinars at least once a month, which can help new traders learn in real time, while Trading 212 does not run monthly client webinars. Details aren’t confirmed for either broker’s forex/CFD-specific libraries (10+ pieces) or whether they maintain a searchable archive of recorded webinars. Likewise, it’s not confirmed if either offers an investor dictionary with 50+ terms. In our ratings, Fineco scores 4.0 stars for Education and ranks #49 out of 63, while Trading 212 scores 3.5 stars and ranks #21.
If you prefer live learning and Q&A, Fineco’s regular webinars may be the better fit. If you want to grow into more complex material, Trading 212 stands out with at least 10 advanced videos for experienced traders, which Fineco does not provide. For forex and CFD education specifically, check each broker’s site to see the current depth of their resources before you decide.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Education (Forex or CFDs) | ||
| Webinars | Yes | No |
| Client Webinars (Archived) [DELETED] | ||
| Videos - Beginner Trading Videos | Yes | Yes |
| Videos - Advanced Trading Videos | No | Yes |
| Investor Dictionary (Glossary) [DELETED] |
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
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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 vs Trading 212: both support ACH/SEPA and bank wire deposits and withdrawals; Trading 212 also accepts PayPal while Fineco does not; neither offers Skrill; Visa/Mastercard availability is not specified.
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) | |||
| 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) | |||
| 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 | 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 | |
| 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 | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| Non-wire bank transfer | Yes | Yes |
| Trading Platforms | Fineco | Trading 212 | |
|---|---|---|---|
| Proprietary Desktop Trading 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 |
| Trading Tools | Fineco | Trading 212 | |
|---|---|---|---|
| Virtual Trading (Demo) | No | Yes | |
| Price Alerts | No | Yes | |
| Charting - Indicators / Studies (Total) | 37 | 54 | |
| 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 Price Alerts | Yes | Yes | |
| Mobile Watchlist | No | Yes | |
| Watchlist Syncing | No | Yes | |
| Mobile Charting - Indicators / Studies | 6 | 104 | |
| Mobile Charting - Draw Trendlines | No | Yes | |
| Mobile Charting - Trendlines Autosave | No | Yes | |
| Mobile Research - 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 | ||
| Client sentiment data | No | Yes | |
| Economic Calendar | Yes | Yes |
| Education | Fineco | Trading 212 | |
|---|---|---|---|
| Webinars | Yes | No | |
| Videos - Beginner Trading Videos | Yes | Yes | |
| Videos - Advanced Trading Videos | No | 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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