Nemo.Money review
Updated September 30, 2026 · SumCue Editorial Team · Facts checked September 30, 2026
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.
Our verdict
Nemo.Money suits beginners seeking mobile led trading across stocks and crypto alongside easy access cash, with commission free stock dealing shaping the appeal. Opening starts at $10 while leveraged CFD losses affect 70% of retail accounts, so risk tolerance matters.
Key facts
- Best for
- Beginners seeking mobile trading plus variable cash interest
- Minimum deposit
- $10↗
- Stock trade fee
- $0↗
- Account fee
- $0↗
- Markets
- Stocks, ETFs, Forex, CFDs, Crypto, Metals↗
- Regulators
- ADGM Financial Services Regulatory Authority↗
- Retail accounts that lose money
- 70%↗
- Deposit and withdrawal fees
- Free deposits, free withdrawals over $1000↗
- Platforms
- iOS, Android↗
- Maximum retail leverage
- 1:30↗
- Interest on cash
- 6%↗
- Legal entity
- Exinity ME Limited↗
- Headquarters
- United Arab Emirates↗
- Support channels
- Help-centre↗
- Features
- Crypto, Demo account, Mobile app
- Pricing model
- Commission-free
- Audience
- Beginners
- Official website
- nemo.money
Savings
- Headline rate
- 6%↗
- Rate type
- Variable↗
- Access terms
- Withdraw anytime with no lock-ins↗
- Monthly fee
- $0↗
- Account kind
- Easy access↗
Facts checked September 30, 2026, 7 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Stock trades priced at $0 with account upkeep at $0 keeps ongoing holding costs contained
- Market mix across stocks, ETFs and forex combines investing and trading products within mobile access via iOS and Android
- Entry threshold at $10 keeps access modest for beginners highlighted in beginners
- Cash interest at 6% on a variable basis adds a savings style element alongside trading
Cons
- Support runs on help centre only, which limits direct contact when queries need prompt handling
- Retail CFD losses affect 70% of accounts, so leveraged exposure carries material risk
- Minimum to start is $10, above Bitpanda at €1 and XTB at €0
Ready to try Nemo.Money?
Scored 8.9 / 10 by SumCue.
Who it suits
- Beginners seeking low upkeep trading across stocks, ETFs and forex with mobile access through iOS and Android
- Readers pairing share dealing at $0 with variable cash interest at 6%
Who should look elsewhere
- Readers seeking bond exposure may prefer ActivTrades, whose market mix includes bonds rather than the metals tilt in stocks, ETFs and forex
- Readers seeking the smallest entry may prefer Bitpanda at €1 rather than $10
Fees and FX
Stock dealing is structured around $0, while account upkeep is priced at $0. That pairing keeps repeat trading and holding costs contained for readers comparing everyday investing charges. Entry begins at $10, which sets the initial funding level before any orders are placed. Movement of funds follows Free deposits, free withdrawals over $1000, so readers should plan transfer size around the stated withdrawal threshold. Together, these terms point toward low headline dealing costs paired with attention to withdrawal sizing.
Deposit protection
Authorisation comes from ADGM Financial Services Regulatory Authority, the authority named in licensing records for this service. The associated permission is identified as 200015. Readers weighing safety of funds should note the licensing jurisdiction and consider how residence, product type and account structure affect applicable safeguards. Where protection limits or compensation arrangements matter, the licence record and product documents provide the reference point for further checks before funding.
Opening and funding
Opening begins at $10, which defines the starting transfer required to activate funding. That level suits readers who want to begin with a modest balance while retaining room to add funds over time. Funding terms follow Free deposits, free withdrawals over $1000, so deposit planning is straightforward while withdrawal planning benefits from attention to size. Readers comparing account operation should weigh entry level against transfer terms, plus how mobile management fits existing habits around saving and investing.
Markets and platforms
Coverage spans stocks, ETFs and forex, bringing together share and fund style exposure with leveraged and digital products. That breadth allows readers to combine longer term positions with shorter term trading interests without holding multiple separate apps. Access is provided through iOS and Android, which places orders, holdings and account functions on mobile devices. Readers who prefer phone based management may value that focus, while those seeking desktop tools may wish to assess whether mobile provision matches preferred research and order habits.
How it compares on our data
On account charges, placement is at 1 among 164, pointing to competitive upkeep terms within the comparison set. On stock dealing, placement is at 1 among 195, which aligns with the commission free model used for share orders. On entry level, placement is at 109 among 205, which suggests many peers set a lower threshold even though the outright level remains modest. The pattern is low dealing costs with mid range entry.
The company behind it
The operating entity is Exinity ME Limited, the legal name shown in corporate records for this service. The home base is recorded as AE, which frames the licensing and operating context. Customer assistance is arranged through help centre, placing emphasis on self directed help rather than broader contact options. The regulatory permission linked to the entity is 200015, which readers can use as a reference when reviewing official registers and related disclosures.
How Nemo.Money compares
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 8.3
8.9 vs 8.5
8.9 vs 9.4Market mix across stocks, ETFs and forex offers bonds instead of metals, for readers who prefer bond exposure over stocks, ETFs and forex.
8.9 vs 9.3Entry starts at €0, below $10, for readers who want no minimum threshold at the outset.
8.9 vs 8.7
8.9 vs 9.2
8.9 vs 8.7
8.9 vs 8.6
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 8.8
Where Nemo.Money is available
- Available
- Everywhere except Belarus, Cuba, Iran, North Korea, Russia, Syria, United States
- Licence in United Arab Emirates
- ADGM Financial Services Regulatory Authority (200015), checked September 30, 2026
Frequently asked questions
What charges apply for stock trades and account upkeep?+
Stock trades are priced at $0 and account upkeep is priced at $0. Funding terms are set out as Free deposits, free withdrawals over $1000, so readers should check withdrawal size before moving funds to manage charges.
Who regulates Nemo.Money?+
The service is operated under ADGM Financial Services Regulatory Authority with licence 200015. That framework sets conduct and safeguarding expectations, though availability and protections can vary by place of residence and should be checked.
What is the minimum deposit and how do deposits work?+
Opening starts at $10. Funding terms are described as Free deposits, free withdrawals over $1000, so larger withdrawals avoid added cost while smaller withdrawals may attract terms set out in pricing documents.
Which markets and platforms are available?+
Coverage includes stocks, ETFs and forex. Access is through iOS and Android, which suits readers who prefer managing holdings and orders from a phone rather than through desktop software.
How does the cash interest feature work?+
Cash interest is stated as 6% on a variable basis within an easy access structure. Terms allow Withdraw anytime with no lock-ins, which suits readers who value flexible access over locked arrangements.
What is the risk of CFD losses?+
Leveraged CFD trading carries elevated risk, with losses affecting 70% of retail accounts. Readers new to leverage should consider practice tools, position sizing and whether loss tolerance fits such products.
How can customers get help?+
Support is provided through help centre. Readers who prefer phone or live chat may find that limiting, while those comfortable with self directed help material may find it adequate for routine queries.
Sources
- nemo.money checked September 30, 2026
Backs: Features, Headquarters, Legal entity, Markets, Platforms, Retail accounts that lose money
“Trade stocks, ETFs, crypto, and CFDs with zero commission on the Nemo.money app”
- nemo.money/affiliate checked September 30, 2026
Backs: Audience
“built for beginner and intermediate investors”
- nemo.money/faq checked September 30, 2026
Backs: Support channels
“FAQs - Get Support”
- nemo.money/faq/deposits-and-withdrawals checked September 30, 2026
Backs: Minimum deposit
“Deposits start at $10 with Nemo”
- nemo.money/pricing/cfd checked September 30, 2026
Backs: Deposit and withdrawal fees, Maximum retail leverage
“Nemo doesn't charge any fees for depositing. Withdrawals over $1000 are free too”
- nemo.money/pricing/stocks checked September 30, 2026
Backs: Account fee, Pricing model, Stock trade fee
“zero commissions and no monthly fee - Stocks and ETFs”
- nemo.money/save checked September 30, 2026
Backs: Access terms, Account kind, Interest on cash, Headline rate, Monthly fee, Rate type
“Withdraw anytime - No lock-ins and no notice periods - Save”
- adgm.com/public-registers/fsra/firms/financial-firms/exin... checked September 30, 2026
Backs: Regulators, Licences
Compiled from 8 source pages, checked September 30, 2026. We did not open an account.
Not confirmed yet: Inactivity fee, Investor protection.