Updated September 29, 2026 · SumCue Editorial Team
ActivTrades vs Finom
ActivTrades
Higher score in this comparison
Finom
What sets them apart
| Compare | ActivTradesReviewVisitVisit | FinomReviewVisitVisit |
|---|---|---|
| Headline rate | 3.3% | 5%Higher |
| Rate type | Variable | Fixed |
| Minimum deposit | $0 | €0 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Funds stay in the account and are free to trade at any time; interest on free margin is paid monthly | Instant access, withdraw at any time with no withdrawal penalties |
| Account kind | Easy access | Cash management |
| Monthly fee | Not confirmed | €0 |
| Regulators | FCA, SCB, CMVM, FSC, BACEN | Not confirmed |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- ActivTrades scores higher overall: 9.4 vs 8.9.
- Finom is available in 8 more countries.
- Headline rate is higher at Finom: 5% vs 3.3%.
- Pricing model: only ActivTrades offers Commission free.
- Pricing model: only Finom offers No monthly fee, Fixed rate.
Our verdict on each
ActivTrades
ActivTrades suits active traders seeking broad market access with commission free share dealing alongside forex, CFDs and bonds in a single account. Minimum deposit sits at $0 with stock trade fees at $0 and cover through FSCS up to GBP 85,000, while retail loss share stands at 84%.
Finom
Finom is a cash management account for a business audience that pays a fixed 5% headline with a monthly fee of €0 and instant access whenever cash is needed. It suits companies that hold euro reserves and want deposit protection of EU DGS up to EUR 100,000 without locking the money away.
Score breakdown
| Area | ActivTrades | Finom |
|---|---|---|
| Cost | 9.3Account upkeep stays light with charges at $0 for everyday holders. | 9.3Running costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. |
| Offer | 9.6Choice spans asset classes listed as stocks, ETFs and forex for varied strategies. | 9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. |
| Trust | 9.5HigherOversight spans regulators shown as FCA, SCB and CMVM for added assurance. | 8.2 |
Where they rank in our lists
| Ranking | ActivTrades | Finom |
|---|---|---|
| Savings | 1 of 1492 | 3 of 1492 |
Licences and countries
| Country | ActivTrades | Finom |
|---|---|---|
| Cyprus | Not confirmed | |
| Netherlands | Not confirmed | De Nederlandsche Bank (DNB) R180074 |
Available in 1 country for both. Additional countries for ActivTrades: 2. Additional countries for Finom: 10.
Sources behind this comparison
ActivTrades
- activtrades.com: 6 facts, checked September 28, 2026
- help.activtrades.com: 1 fact, checked September 29, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Finom
- finom.co: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | ActivTrades | Finom |
|---|---|---|
| Pricing model | Commission free | No monthly fee, Fixed rate |
| Legal entity | Not confirmed | PNL Fintech B.V. |
| Headquarters | Not confirmed | Netherlands |
| Founded | Not confirmed | 2019 |
| Support channels | Not confirmed | Email, Chat, Help centre, Community |
Crypto exchanges
| Fact | ActivTrades | Finom |
|---|---|---|
| Taker fee | 0% | Not confirmed |
| Coins listed | 10 | Not confirmed |
| Fiat deposit methods | Card, Bank | Not confirmed |
| Features | Crypto, Demo account, Fractional shares, Mobile app | Rewards |
| Maker fee | 0% | Not confirmed |
| Withdrawal fee | Free | Not confirmed |
| Derivatives | Yes | Not confirmed |
| Exchange type | Cex | Not confirmed |
Credit cards
| Fact | ActivTrades | Finom |
|---|---|---|
| Currency conversion fee | 0.5% | Not confirmed |
| Rewards type | Not confirmed | Cashback |
| Rewards rate | Not confirmed | up to 3% |
| Audience | Not confirmed | Business |
Where each stands against the rest
| Fact | ActivTrades | Finom | Median |
|---|---|---|---|
| Headline rate | 3.3%at the median | 5%above the median | 3.3% |
| Monthly fee | Not confirmed | €0at the median | €0 |
Median across 710 listed providers.
Pros and cons
ActivTrades
Pros
- Share dealing costs nothing with fees at $0, unlike DKB with fees of €10.
- Entry stays accessible with minimum deposit at $0 alongside funding via card and bank.
- Crypto derivatives are available with taker pricing at 0% for cost aware traders.
Cons
- Coin choice stays narrow at 10 for traders seeking wide crypto coverage.
- Currency conversion applies at 0.5% which adds cost for cross currency activity.
- Retail loss share stands elevated at 84%, highlighting CFD risk.
Finom
Pros
- A fixed 5% headline, above bunq at 3.01% and Wise at 3.29%.
- The cash management account carries a monthly fee of €0 and a minimum deposit of €0, so nothing is taken back out of the balance.
- Instant access with no withdrawal penalties, so cash can move the same day it lands.
Cons
- Support runs on email, chat and help centre only, so an urgent payment problem has no phone line to call.
- The fixed 5% rate is set rather than linked, so it carries no upside if market rates climb further.
- Deposit protection runs as EU DGS up to EUR 100,000, so a balance above that ceiling carries the risk itself.
Who each suits
ActivTrades
Who it suits
- Traders seeking commission free stocks with fees at $0 and varied venues at ActivTrader, MetaTrader 4 and MetaTrader 5.
- Investors comfortable with forex and CFD exposure across assets at stocks, ETFs and forex.
- Savers holding trading cash who value interest at 3.3% with easy access.
Who should look elsewhere
- Traders seeking bank bundled saving plus investing may consider DKB, which structures share dealing around €10.
- Investors seeking social portfolios and guided themes may consider eToro, where entry starts at $50.
Finom
Who it suits
- Companies that keep euro working capital in one place and draw on it as invoices clear, on a fixed rate of 5%.
- Business owners who care more about fees than flexibility, since the monthly charge is €0.
- Firms that want deposit protection of EU DGS up to EUR 100,000 without giving up instant access.
Who should look elsewhere
- Personal savers weighing bunq or Wise, because the account is built for a business audience rather than households.
- Anyone who needs a phone line, since support runs on email, chat and help centre only while 80.2% of savings brands take calls.
- Anyone holding more cash than the guarantee scheme covers, since protection runs as EU DGS up to EUR 100,000.
Current offers
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
Country by country
| Country | ActivTrades | Finom |
|---|---|---|
| Argentina | Yes | No |
| Austria | No | Yes |
| Cyprus | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
8 of 13 countries where either is available.
Questions about each
ActivTrades
What does ActivTrades charge for investing?+
Stock dealing carries fees of $0 with account upkeep at $0. Deposits and withdrawals are described as Free deposits and withdrawals. Currency conversion applies at 0.5%, so cross currency moves need care when sizing orders and planning holding periods.
How is money protected at ActivTrades?+
Investor protection is stated as FSCS up to GBP 85,000 with deposit protection described as FSCS up to GBP 85,000. Oversight comes from regulators listed as FCA, SCB and CMVM. Such cover has limits and conditions, so readers should check eligibility for their entity before funding.
Finom
What interest rate does Finom pay?+
Finom pays a headline rate of 5% on its cash management account, and the rate is fixed. That figure is set rather than something that follows a base rate, so the headline shown is the rate the account pays for as long as it runs. Cashback of up to 3% adds a further stream of return on top of the interest.
Is there a monthly or annual fee?+
Monthly fees on the cash management account are €0, and the pricing model is a no monthly fee setup alongside a fixed rate. The interest is the return line and nothing further is taken from the balance, so a business holding a large euro float keeps the whole 5% headline.
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