Fineco Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Fineco Bank pairs a bank deposit account with a dealing platform, so a monthly fee of £0 sits alongside a stock trade fee of $3.95. It suits investors who want one Italian bank behind the cash and the shares.
Key facts
- Best for
- Investors who want a bank and a dealing platform under one roof.
- Stock trade fee
- $3.95↗
- Markets
- Stocks, ETFs, CFDs, Options, Futures, Crypto, Bonds↗
- Regulators
- Bank of Italy, Consob↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Platforms
- FinecoX↗
- Legal entity
- FinecoBank S.p.A.↗
- Headquarters
- Italy↗
- Founded
- 1999↗
- Support channels
- Email↗
- Features
- Crypto
- Official website
- finecobank.co.uk
Credit cards
- Card kind
- Credit↗
Facts checked September 26, 2026, 7 sources
Pros and cons
Pros
- Monthly fee of £0 on the account
- Investor protection of EU ICS up to EUR 20,000
- A wide spread of markets: stocks, etfs and cfds
- Regulated by Bank of Italy and Consob
Cons
- Stock trade fee of $3.95 sits above the site median of €0
- Support runs on email only
- Protection of EU ICS up to EUR 20,000 caps what a large balance recovers
Who it suits
- Investors holding cash and shares on one platform
- Traders who want crypto in crypto
Who should look elsewhere
- bunq, for a simpler market list of stocks, etfs and crypto
- CFI, for a dealing focus of stocks, etfs and forex
Who runs it
Fineco Bank is operated by FinecoBank S.p.A., headquartered in Italy and founded in 1999. It holds two regulatory permissions: Bank of Italy and Consob. The UK-facing service lists email as its support channel, so questions go in writing rather than to a phone line. Trading runs on its own platform, FinecoX, listed under FinecoX.
How Fineco Bank compares
8.9 vs 9.4
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8.9 vs 9.2
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8.9 vs 9.0
8.9 vs 9.0
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Where Fineco Bank is available
- Available
- Italy
- Licence in Italy
- Bank of Italy, checked September 26, 2026
- Licence in Italy
- Consob, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Fineco Bank charge to hold an account?+
The monthly fee is £0, so holding the account carries no recurring charge. Trading costs sit on top of that, with a stock trade fee of $3.95. The deposit side also carries a free ATM allowance of £0.
How much does it cost to buy shares?+
A stock trade fee of $3.95 applies on deals. For context, the site median for stock trade fees is €0, so dealing is the costly part of this account rather than the account itself.
How is my money protected?+
Investor protection is stated as EU ICS up to EUR 20,000, which is the ceiling the scheme covers. The firm is regulated by Bank of Italy and Consob, so the money sits with a supervised bank rather than an unregulated platform.
Which markets can I trade?+
The available markets are stocks, etfs and cfds. Crypto also appears among the features under crypto, so digital assets sit alongside the usual instruments on the same account.
Which platforms and cards come with the account?+
Dealing runs on FinecoX. The payment card is listed as a debit card, with a separate credit entry, and the account also carries a free ATM allowance of £0.
How do I get help from Fineco Bank?+
Support is listed as email. That means written enquiries are the channel on record, so anyone who needs to talk a human on the phone should weigh that before opening.
Which currencies does the account hold?+
The account covers 20 currencies. Fineco Bank also lists crypto under crypto, so digital assets sit alongside the currency side of the account.
Who is Fineco Bank aimed at?+
The firm is a bank from IT operating as FinecoBank S.p.A. since 1999. It fits investors who want the cash account and the dealing platform held by one institution.
Sources
- 55brokers.com checked September 26, 2026
Backs: Stock trade fee
“$3.95 for U.S. shares”
- en.wikipedia.org/wiki/FinecoBank checked September 26, 2026
Backs: Founded
“Founded 1999 (as Fineco)”
- it.finecobank.com checked September 26, 2026
Backs: Features, Markets, Platforms
“Criptovalute”
- it.finecobank.com/banking/carte-di-pagamento checked September 26, 2026
Backs: Card kind
- moneytothemasses.com checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Monthly fee
“UK ATM withdrawals and payments | FREE - Fineco current account”
- uk.finecobank.com checked September 26, 2026
Backs: Headquarters, Investor protection, Legal entity, Regulators, Support channels, Licences
“Registered Office Piazza Durante 11, Milan 20131”
- uk.stockbrokers.com/review/finecobank checked September 26, 2026
Backs: Currencies
“real-time conversions on over 20 different currencies - Fineco multicurrency account”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Minimum deposit, Account fee, Inactivity fee, Retail accounts that lose money.