Updated October 21, 2026 · SumCue Editorial Team
eToro vs Plum
eToro
Higher score in this comparison
Plum
What sets them apart
| Compare | eToroReviewVisitVisit | PlumReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | $1 to $10,000 | £2 |
| Stock trade fee | $0 | £0 |
| Account fee | $0 | £0 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Futures | Stocks, ETFs, Funds |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), SIPC | Financial Conduct Authority |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | ISA | ISA, SIPP, LisaCovers more |
| Platforms | Not confirmed | Mobile app |
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Key differences
- eToro scores higher overall: 9.2 vs 8.9.
- Regulators: only eToro offers Cyprus Securities and Exchange Commission (CySEC), SIPC.
- Regulators: only Plum offers Financial Conduct Authority.
- Founded is lower at eToro: 2007 vs 2016.
- Markets: only eToro offers Forex, CFDs, Crypto.
- Markets: only Plum offers Funds.
- Account types: only Plum offers SIPP, Lisa.
- Support channels: only Plum offers Email.
- Features: only eToro offers Crypto, Demo account, Copy trading.
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.
Plum
Plum suits beginners in the UK who want to start small and pay nothing to deal, with a minimum deposit of £2. The trade-off is a short market list, confined to stocks, etfs and funds, and an overall score of 6.5 that leaves the case resting on price rather than choice.
Score breakdown
| Area | eToro | Plum |
|---|---|---|
| Cost | 9.3Account fee $0 and stock trade fee $0 rank 1 and 1, while withdrawals cost $5 flat fee. | 9.3Costs are the strongest suit: account fee £0, stock trade fee £0, management fee 0.15% to 0.6%. |
| Offer | 8.8 | 8.9Higher |
| Trust | 9.2Higher | 8.5 |
Where each is licensed and available
| Country | eToro | Plum |
|---|---|---|
| Cyprus | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 213800GIFQMSV7HROS23 | Not confirmed |
| United States | SIPC SIPC member 70212 | Not confirmed |
Which one suits you
Pick eToro if trust matter most.
Pick Plum if account types matter most.
What each covers
| Markets | eToro | Plum |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| CFDs | Yes | No |
| Futures | Yes | No |
| Crypto | Yes | No |
| Funds | No | Yes |
| Account types | eToro | Plum |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | No | Yes |
| Lisa | No | Yes |
Where these facts come from
eToro
- etoro.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
Plum
- withplum.com: 10 facts, checked September 26, 2026
- finextra.com: 3 facts, checked September 26, 2026
- find-and-update.company-information.service.gov.uk: 2 facts, checked September 26, 2026
How they place
| Ranking | eToro | Plum |
|---|---|---|
| Savings | 4 of 1492 | 563 of 1492 |
| Savings accounts | 3 of 658 | 372 of 658 |
| Investing | 5 of 654 | 243 of 654 |
| Stock and ETF brokers | 4 of 358 | 176 of 358 |
| Robo-advisors | 1 of 154 | 68 of 154 |
| Stocks and shares ISAs | 1 of 25 | 9 of 25 |
Every fact side by side
| Fact | eToro | Plum |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Copy trading, Mobile appCovers more | Fractional shares, Mobile app |
| Pricing model | Commission free | Commission free |
| Audience | Beginners | Beginners |
| Legal entity | eToro (Europe) Ltd | Plum Fintech Limited |
| Headquarters | Cyprus | United Kingdom |
| Founded | 2007Lower | 2016 |
| Support channels | Help centre | Email, Help centreCovers more |
Crypto exchanges
| Fact | eToro | Plum |
|---|---|---|
| Taker fee | 1% | Not confirmed |
| Coins listed | from 150 | Not confirmed |
| Fiat deposit methods | Card, Bank | Not confirmed |
| Withdrawal fee | $5 flat fee | Not confirmed |
| Derivatives | Yes | Not confirmed |
| Exchange type | Cex | Not confirmed |
Savings
| Fact | eToro | Plum |
|---|---|---|
| Headline rate | 3.8%Higher | 3.05% to 3.65% |
| Rate type | Variable | Variable |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Interest on USD cash balance, no lock-in, withdraw at any time, calculated daily and paid monthly | Same day access, no lock-in, no notice period |
| Monthly fee | $0 | £0 |
| Account kind | Cash management | Easy access |
Robo-advisors
| Fact | eToro | Plum |
|---|---|---|
| Management fee | 0%Lower | 0.15% to 0.6% |
| Minimum investment | $500 | £1 |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF, Cash |
Crypto wallets
| Fact | eToro | Plum |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Custody | Custodial | Not confirmed |
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.
Plum
Pros
- Fractional shares are offered, so £2 is enough to hold a slice of a company rather than whole shares.
- Eligible money is covered by the protection scheme, with the ceiling given as FSCS up to GBP 85,000.
- The account types cover isa, sipp and lisa, so investing, retirement saving and a home deposit pot sit with the same provider.
Cons
- Markets stop at stocks, etfs and funds, so there is no dealing in listed bonds, overseas currency or crypto through the account.
- Help runs on email and help centre only, so a stuck withdrawal or transfer has no phone route.
- Managed portfolios charge 0.15% to 0.6%, which takes a slice from every pot you hand over.
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.
Plum
Who it suits
- Beginners in the UK who want to begin with £2 and see share dealing in plain terms.
- Investors building an ISA or pension habit on a phone, since access runs through Mobile app.
- Anyone happy with a market list of stocks, etfs and funds for a starter portfolio.
Who should look elsewhere
- eToro is the place to check if the market list here, stocks, etfs and funds, is too tight for what you want to trade.
- bunq if you are starting from a €10 minimum rather than buying shares.
- cfi if you want no minimum deposit, since its floor is $0 against £2 here.
Country by country
| Country | eToro | Plum |
|---|---|---|
| United Kingdom | No | Yes |
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.
Plum
What does it cost to trade and hold with Plum?+
Dealing is commission-free and the stock trade fee is listed as £0. The account fee is £0 and the monthly subscription is £0, so holding an account costs nothing. Managed portfolios are the exception, charging 0.15% to 0.6% on the money you put into them. That covers the charging picture on the investment side.
Is my money protected if something goes wrong?+
Eligible investments sit under the protection scheme, and the stated ceiling is given as FSCS up to GBP 85,000. Cash held in the app is listed the same way under FSCS up to GBP 85,000. The figure is a limit rather than a promise of returns, and it applies to eligible money rather than to every balance on the account. Read the terms for the eligibility conditions before you rely on it.
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eToro
Plum