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.
FinecoBank and Earn offer distinct experiences for traders exploring their platforms and tools. FinecoBank boasts a proprietary platform developed in-house, supporting both Windows-based desktop and web-based trading platforms. While FinecoBank does not provide simulated trading or virtual demo accounts, Earn offers these features, catering to traders who want to practice without financial risk. FinecoBank does not support the popular MetaTrader 4 or 5 platforms, whereas Earn includes both, along with ZuluTrade for social trading enthusiasts.
Charting capabilities also vary, as FinecoBank provides seven drawing tools without direct trading from charts. In contrast, Earn offers 15 drawing tools and trading directly from stock charts, enhancing flexibility in analysis and execution. For watch lists, Earn provides seven fields for customization, though this detail is not specified for FinecoBank. Rated equally at four stars for their trading platforms and tools, FinecoBank secures a higher spot at 17th place in the ForexBrokers.com rankings, compared to Earn's 51st position out of 62 brokers. Both platforms offer comprehensive trading experiences, yet cater to slightly different trader preferences.
| 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.
FinecoBank and Earn both offer mobile trading apps compatible with iPhone and Android devices. Both platforms include features such as stock and forex price alerts, making it easy for users to stay updated on market shifts. While neither app syncs watchlist symbols between the mobile app and the client's online account, users may find differences in other functionalities significant depending on their trading style.
Earn shines with its 35 technical studies for charting, surpassing FinecoBank's offering of six. Additionally, Earn supports drawing trendlines and saves chart drawings automatically, providing a seamless experience for technical analysis. Plus, Earn allows users to create watchlists with real-time quotes—a feature FinecoBank lacks. Both apps are rated four stars for mobile trading, yet Earn edges out with a higher ranking on ForexBrokers.com, placing at #26 compared to FinecoBank's #42.
| 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 for market research offerings, several key differences and similarities emerge. FinecoBank does not provide daily market commentary, whereas Earn does, keeping users informed on the latest developments. Both platforms deliver forex news from prestigious sources like Bloomberg and Reuters, ensuring traders have access to high-quality information. Neither broker offers analysis tools from Autochartist or Trading Central, nor do they provide sentiment-based trading tools to gauge market sentiment for currency pairs or other instruments. Additionally, both FinecoBank and Earn lack partnerships with TipRanks and Acuity Trading for enhanced research insights.
In terms of economic resources, FinecoBank and Earn both feature economic calendars to help traders stay updated on global news events. FinecoBank receives a slightly higher rating of 4 stars out of 5 for research, compared to Earn's 3.5 stars, according to ForexBrokers.com. Furthermore, FinecoBank is ranked 33rd out of 62 brokers, while Earn is positioned at 38. These rankings highlight FinecoBank's superior standing in the research category despite the lack of certain advanced tools shared by both brokers.
| 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 for beginners between FinecoBank and Earn, FinecoBank establishes a clearer edge. FinecoBank offers monthly webinars, providing consistent opportunities for live learning, whereas Earn does not offer such webinars for beginners. Additionally, FinecoBank presents an array of beginner-focused trading videos, ensuring novice traders have access to at least 10 instructional videos that can guide them through the fundamentals of trading. In contrast, Earn lacks this visual educational support, making FinecoBank a more appealing option for those starting their trading journey.
Both FinecoBank and Earn falter in offering a wide range of advanced educational videos, with neither providing extensive multimedia resources for more seasoned traders. FinecoBank, however, supports beginner learners with an investor dictionary covering over 50 essential investing terms—a feature not available with Earn. With a slightly higher educational rating from ForexBrokers.com, FinecoBank stands at 4 stars and ranks 49th out of 62 brokers, surpassing Earn’s 3.5-star rating and 61st place ranking. Ultimately, FinecoBank is better equipped for beginners seeking to understand the basics of trading.
| 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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