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 account | N/A | 2.7 |
| All-in Cost EUR/USD - Active | N/A | 2.7 |
| Non-wire bank transfer | Yes | Yes |
| PayPal (Deposit/Withdraw) | Yes | |
| Skrill (Deposit/Withdraw) | No | |
| Bank Wire (Deposit/Withdraw) | Yes |
Dive deeper: Best Low Spread Forex Brokers.
Fineco and Trading 212 both cover a wide range of investments. Fineco lists 9,770 tradeable symbols, topping Trading 212’s 7,868. Each broker lets you buy exchange-traded securities on U.S. and international exchanges—so you can pick up shares like Apple on NASDAQ or Vodafone in London. Both support forex trading (via CFDs or spot), and neither offers copy trading or direct, delivered cryptocurrency purchases.
The biggest differences show up in forex and crypto CFDs. Trading 212 offers 146 forex pairs and supports cryptocurrency CFDs, while Fineco lists 54 forex pairs and does not offer crypto CFDs. For overall range of investments, Trading 212 earned 5 stars and ranked #16 out of 63 brokers, while Fineco earned 4.5 stars and ranked #17, according to ForexBrokers.com. In short, choose Fineco if you want the larger overall symbol list, or Trading 212 if you prioritize more forex pairs and access to crypto CFDs.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 9770 | 7868 |
| Forex Pairs (Total) | 54 | 146 |
| U.S. Stocks (Shares) | Yes | Yes |
| Global Stocks (Non-U.S. Shares) | Yes | Yes |
| Copy Trading | No | No |
| Cryptocurrency (Underlying) | No | No |
| Cryptocurrency (CFDs) | 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 in-house platforms you can use in a web browser, but they differ in a few key ways. Fineco adds a downloadable Windows desktop platform, while Trading 212 does not. Trading 212 includes a free demo (paper) account for practice; Fineco doesn’t. Neither broker provides copy trading or MetaTrader integrations (no MT4 or MT5).
When it comes to tools, Trading 212 lets you place trades directly from charts, whereas Fineco does not. Both brokers earn 4 out of 5 stars for Trading Platforms and Tools. In ForexBrokers.com’s rankings of 63 brokers, Fineco places #18 and Trading 212 is #20. In short: pick Fineco if you want a Windows desktop app, or Trading 212 if you value a free demo and chart-based trading in your browser.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Virtual Trading (Demo) | No | Yes |
| Proprietary Desktop Trading Platform | Yes | Yes |
| Desktop Platform (Windows) | Yes | No |
| Web Platform | Yes | Yes |
| Copy Trading | No | No |
| MetaTrader 4 (MT4) | No | No |
| MetaTrader 5 (MT5) | No | No |
| Charting - Indicators / Studies (Total) | 37 | 54 |
| Charting - Trade From Chart | No | Yes |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
Fineco and Trading 212 both offer mobile trading apps for iPhone and Android, and each supports stock and forex price alerts. In overall app quality, both earn 4 out of 5 stars, but their standings differ: on ForexBrokers.com’s Mobile Trading Apps category, Fineco ranks #43 out of 63 brokers, while Trading 212 ranks #17.
For charting and convenience, Trading 212 pulls ahead. It includes 104 technical studies versus Fineco’s 6, lets you draw trendlines, and automatically saves your drawings. Trading 212 also syncs watchlists between the mobile app and your online account, a feature Fineco lacks. If you want richer charting tools and synced watchlists, Trading 212 is the better fit; if your needs center on straightforward alerts and access on both iPhone and Android, Fineco can still do the job.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | No | Yes |
| Mobile Charting - Indicators / Studies | 6 | 104 |
| Mobile Charting - Draw Trendlines | No | Yes |
| Mobile Charting - Trendlines Autosave | 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 (Articles) | No | No |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central | No | No |
| Client sentiment data | No | Yes |
| TipRanks | No | |
| Acuity Trading | No | |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
For beginner traders comparing Fineco and Trading 212 on education, both brokers provide at least 10 starter videos that cover basic trading topics. Fineco stands out with live, online client webinars at least once a month, which can help new investors ask questions in real time; Trading 212 does not run monthly webinars. If you prefer learning through scheduled live sessions plus videos, Fineco is appealing; if you mainly want on-demand beginner videos, both brokers fit the bill.
As your skills grow, Trading 212 offers at least 10 advanced videos aimed at experienced traders, while Fineco does not. Independent scores show a mixed picture: Fineco is rated 4.0 out of 5 for Education but ranks 49th out of 63 brokers, whereas Trading 212 is rated 3.5 out of 5 and ranks 21st out of 63. In short, Fineco is stronger for live learning, while Trading 212 provides a deeper advanced video library.
| Feature |
Fineco
|
Trading 212
|
|---|---|---|
| Webinars | Yes | No |
| Videos - Beginner Trading Videos | Yes | Yes |
| Videos - Advanced Trading Videos | No | 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
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Trading 212
|
|---|---|---|
| Overall Rating |
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| Trust Score | 94 | 80 |
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Fineco vs Trading 212: neither broker lets you buy actual (delivered) cryptocurrency, but while Fineco does not offer crypto CFDs, Trading 212 does provide cryptocurrency CFD trading.
Fineco vs Trading 212: both support ACH/SEPA deposits and withdrawals; Trading 212 adds PayPal and bank wires but not Skrill, while Fineco’s options for PayPal, Skrill, Visa/Mastercard, and bank wires—and Visa/Mastercard for Trading 212—are 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 (FSA 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. Stocks (Shares) | Yes | Yes | |
| Global Stocks (Non-U.S. Shares) | Yes | Yes | |
| Copy Trading | No | No | |
| Cryptocurrency (Underlying) | No | No | |
| Cryptocurrency (CFDs) | 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 account | N/A | 2.7 | |
| All-in Cost EUR/USD - Active | N/A | 2.7 | |
| Inactivity Fee | No | No | |
| Order execution: Agency | No | Yes | |
| Order execution: Market Maker | No | Yes |
| Funding | Fineco | Trading 212 | |
|---|---|---|---|
| Minimum Deposit | $0 | €1 | |
| PayPal (Deposit/Withdraw) | Yes | ||
| Skrill (Deposit/Withdraw) | No | ||
| Bank Wire (Deposit/Withdraw) | 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 | |
| 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 [DELETED] | |||
| Mobile Watchlists - 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 (Articles) | No | No | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central | 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 [DELETED] | |||
| USD/JPY [DELETED] | |||
| EUR/USD | Yes | Yes | |
| USD/CHF [DELETED] | |||
| USD/CAD [DELETED] | |||
| NZD/USD [DELETED] | |||
| AUD/USD [DELETED] | |||
| 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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