Updated September 29, 2026 · SumCue Editorial Team
eToro vs Finom
eToro
Higher score in this comparison
Finom
Where eToro and Finom differ
| Compare | eToroReviewVisitVisit | FinomReviewVisitVisit |
|---|---|---|
| Headline rate | 3.8% | 5%Higher |
| Rate type | Variable | Fixed |
| Minimum deposit | $1 to $10,000 | €0 |
| Access terms | Interest on USD cash balance, no lock-in, withdraw at any time, calculated daily and paid monthly | Instant access, withdraw at any time with no withdrawal penalties |
| Monthly fee | $0 | €0 |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), SIPC | Not confirmed |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Account kind (Cash management).
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Key differences
- eToro scores higher overall: 9.2 vs 8.9.
- Founded is lower at eToro: 2007 vs 2019.
- Headline rate is higher at Finom: 5% vs 3.8%.
- Support channels: only Finom offers Email, Chat, Community.
- Pricing model: only eToro offers Commission free.
- Pricing model: only Finom offers No monthly fee, Fixed rate.
Our verdict on each
eToro
eToro suits new investors who want shares, crypto and cash interest in a single app, with an account fee of $0 and a stock trade fee of $0. The catch is the withdrawal fee of $5 flat fee, which makes it a poor fit for anyone moving small sums in and out often.
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 | eToro | Finom |
|---|---|---|
| Cost | 9.3Account fee $0 and stock trade fee $0 rank 1 and 1, while withdrawals cost $5 flat fee. | 9.3Running costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. |
| Offer | 8.8 | 9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. |
| Trust | 9.2Higher | 8.2 |
If neither fits
Plazo ES has headline rate at 24.19%, against 3.8% for eToro and 5% for Finom.
Plazo ES reviewWhere these facts come from
eToro
- etoro.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 3 facts, checked September 26, 2026
Finom
- finom.co: 12 facts, checked September 26, 2026
How they place
| Ranking | eToro | Finom |
|---|---|---|
| Savings | 4 of 1492 | 3 of 1492 |
| Cash management accounts | 2 of 46 | 1 of 46 |
| Credit and debit cards | 3 of 1594 | 2 of 1594 |
Every fact side by side
| Fact | eToro | Finom |
|---|---|---|
| Pricing model | Commission free | No monthly fee, Fixed rate |
| Legal entity | eToro (Europe) Ltd | PNL Fintech B.V. |
| Headquarters | Cyprus | Netherlands |
| Founded | 2007Lower | 2019 |
| Support channels | Help centre | Email, Chat, Help centre, CommunityCovers more |
Crypto exchanges
| Fact | eToro | Finom |
|---|---|---|
| Taker fee | 1% | Not confirmed |
| Coins listed | from 150 | Not confirmed |
| Fiat deposit methods | Card, Bank | Not confirmed |
| Features | Crypto, Demo account, Fractional shares, Copy trading, Mobile app | Rewards |
| Withdrawal fee | $5 flat fee | Not confirmed |
| Derivatives | Yes | Not confirmed |
| Exchange type | Cex | Not confirmed |
Robo-advisors
| Fact | eToro | Finom |
|---|---|---|
| Management fee | 0% | Not confirmed |
| Minimum investment | $500 | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Account types | ISA | Not confirmed |
| Portfolio types | ETF, ESG, Cash, Crypto | Not confirmed |
Crypto wallets
| Fact | eToro | Finom |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Custody | Custodial | Not confirmed |
Credit cards
| Fact | eToro | Finom |
|---|---|---|
| Rewards type | Not confirmed | Cashback |
| Rewards rate | Not confirmed | up to 3% |
| Audience | Beginners | Business |
Where each stands against the rest
| Fact | eToro | Finom | Median |
|---|---|---|---|
| Headline rate | 3.8%above the median | 5%above the median | 3.3% |
Median across 710 listed providers.
Pros and cons
eToro
Pros
- Interest on the USD cash balance pays 3.8% on a variable basis, calculated daily and paid monthly, and withdrawals are allowed at any time.
- Regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC, with client asset protection of EU ICS up to EUR 20,000 and deposit protection of EU DGS up to EUR 100,000.
- Minimum deposit $1 to $10,000 and minimum portfolio investment $500 keep the starting point low, and fractional shares are among the listed features.
Cons
- Withdrawal costs $5 flat fee each time, which makes small, regular transfers expensive next to the $0 stock trade fee.
- Client asset protection of EU ICS up to EUR 20,000 sits well below deposit protection of EU DGS up to EUR 100,000, so a large share portfolio can outrun the cover.
- Taker fee 1% sits above the 0.25% median, which matters for anyone trading crypto often rather than holding.
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
eToro
Who it suits
- New investors, since the audience is listed as beginners and the minimum deposit is $1 to $10,000.
- Investors who want cash and markets together, with USD balance interest at 3.8% alongside stocks, etfs and forex.
- UK savers who want a tax wrapper, since an ISA sits among the isa on offer.
Who should look elsewhere
- bunq, which covers stocks, etfs and crypto and suits anyone who wants shares, ETFs and crypto and can set derivatives aside.
- CFI, for readers who want stocks, etfs and forex and can leave futures aside; eToro is the wider of the two.
- Fiesta Credito MX, which answers to CONDUSEF rather than Cyprus Securities and Exchange Commission (CySEC) and SIPC, for readers trading outside those markets.
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 | eToro | Finom |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Cyprus | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
8 of 11 countries where either is available.
Questions about each
eToro
What does eToro charge to open and run an account?+
The account fee is $0 and the monthly fee is $0, so the account costs nothing to hold. Stock trades are charged at $0 and the platform describes itself as commission-free. Managed portfolios carry a management fee of 0%. Money moving out is the exception, at $5 flat fee per withdrawal.
Is my money protected at eToro?+
eToro is regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC. Client assets sit under investor protection of EU ICS up to EUR 20,000, while cash deposits are covered by a separate scheme at EU DGS up to EUR 100,000. These ceilings are very different, so anyone holding a large share portfolio should treat the lower figure as the real limit on recovery.
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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