Accounts & headline costs
Sections ↑FinecoBank combines Italian banking, self-directed trading and adviser services. Conditions were checked on 11 October 2026.[38]
Account comparison01
Current account choices
| Plan | Monthly account fee | Main distinction |
|---|---|---|
| Fineco One | €0 | Full banking and investing; customer assistance by emailSource 1 |
| Fineco Classic | €3.95 before waiver | Full banking with email and telephone assistanceSource 2 |
| Fineco Max | €29.95 before waiver | Priority email/telephone assistance and included physical, standard-credit and Gold cardsSource 3 |
| Fineco Trading | €0 | Securities/derivatives; no cards, adviser service or MulticurrencySource 4 |
| Fineco Small Business | €5.95 | Separate sole-trader/freelancer banking tariff; specified annual operation allowanceSource 5 |
Pricing & charges02
New-plan fee waivers
| Rule for accounts opened from 11 February 2026 | Current treatment |
|---|---|
| Opening period | Classic and Max waive the opening month and the next two calendar monthsSource 6 |
| Classic asset threshold | Monthly waiver when qualifying assets reach €50,000Source 6 |
| Max asset threshold | Monthly waiver when qualifying assets reach €500,000Source 6 |
| Assets counted | Positive book cash, CashPark and qualifying securities, managed, insurance and pension assetsSource 6 |
| Aggregation | Identically owned Classic/Max accounts may aggregate; One and other account categories are excludedSource 6 |
| Age or dealing activity | Neither under-30 status nor trade activity alone waives the new Classic/Max account feeSource 6 |
Account comparison03
Opening and ownership requirements
| Situation | Published process |
|---|---|
| Ordinary private eligibility | Adult natural person with Italian registered and tax residence; any citizenshipSource 7 |
| Application | Identity document, verified email/mobile; selfie identification and digital signing, or adviser/Fineco CenterSource 7 |
| Joint private account | Up to three independently operating holders; all identify and signSource 7 |
| Trading | Single-holder; one account per identical ownership; no adviserSource 7 |
| Small Business | One sole trader/freelancer: Italian Partita IVA and required business/professional registration evidenceSource 7 |
| US status | US Persons supply tax documents including SSN/W-9; joint holders share US/non-US statusSource 7 |
| Additional review | Politically exposed applicants and specified higher-risk links use Fineco CenterSource 7 |
| Existing/nonresident account | Signed terms and permitted routes apply; online plan changes exclude nonresidents and ownership above three holdersSource 8 |
Pricing & charges04
Under-30 investment benefits
| Eligible transaction / service | Published concession | Qualification |
|---|---|---|
| Italian and German shares/ETFs | €2.95 per order | Eligible under-30 account termsSource 10 |
| French, Dutch and Portuguese shares/ETFs | €9.95 per order | Do not apply the €2.95 headline to every European marketSource 10 |
| US / Canadian shares | US$3.95 / C$10 per order | Currency conversion can add costSource 10 |
| Replay recurring ETP purchases | €0 Fineco plan charge | Applies to One, Classic, Max and TradingSource 10 |
| Joint account | All holders must be under 30 | Concession ends when any holder reaches 30Source 10 |
Account comparison05
Fineco Under 18 is a child’s bank account
| Point | Published condition |
|---|---|
| Eligibility | Age 8–17; Italian residential and tax residence; a parent already holds a Fineco accountSource 11Source 8 |
| Money and control | €0 monthly fee; maximum balance €20,000; parents set spending controls, up to €2,000 monthlySource 11 |
| Investment access | Optional viewing of an adult’s ordinary single-holder portfolio does not give the child authority to trade itSource 11 |
| At age 18 | Complete conversion within 60 days to avoid suspension; the published conversion preserves IBAN and account historySource 11 |
Products & platforms
Sections ↑Reference table06
Cash securities and investment products
| Product | Available service | Important boundary |
|---|---|---|
| Shares | Italian, European, US and other supported markets | The venue, order route and security determine availabilitySource 13 |
| ETFs, ETCs and ETNs | One-off dealing and eligible Replay plans | Fund, debt-security and commodity structures carry different risksSource 16 |
| Bonds | Government, corporate and other supported debt; Bond Center research | Credit quality, accrued interest, denomination and liquidity vary by issueSource 15 |
| Funds/advised portfolios | Dedicated investment area and advisers | Advice+ is separate; FinecoX cannot place every productSource 33Source 26 |
| Fineco certificates | Issuer-created structured and leveraged securities | Fineco’s own certificates create an issuer relationship as well as market exposureSource 24 |
Reference table07
Derivative and crypto exposure
| Form | Documented access | What is held |
|---|---|---|
| CFDs | Shares, indices, FX and specified futures-based markets | OTC contract; FinecoBank counterpartySource 20 |
| Listed futures / options | IDEM, Eurex, CME and CBOE products in the published range | A contract with expiry, margin or exercise rulesSource 22 |
| Knock Out options | Up/down exposure with a selected barrier | Premium-paid option; maximum loss is the premium under its termsSource 23 |
| Crypto CFD / Knock Out | Bitcoin and Ethereum futures-based exposure | A derivative, without ownership of cryptocurrencySource 25 |
| Crypto ETP | Selected Bitcoin, Ethereum and other crypto-linked securities | An exchange-traded security; no separate crypto wallet or coin withdrawalSource 25 |
Platforms & products08
Trading interfaces
| Interface | Published capabilities | Limit |
|---|---|---|
| Website and Fineco app | Account, portfolio, banking and trading access | Features follow the chosen account and instrumentSource 27 |
| FinecoX | Free HTML5 platform; desktop/tablet browser access without installation | Funds, insurance and pensions are not ordered inside FinecoXSource 26 |
| FinecoX order workspace | Custom layouts, synced watchlists, quick orders and multi-book views | One-click tools require careful price, quantity and side checksSource 26 |
| Adviser web collaboration | Review and accept adviser proposals remotely | Belongs to the advice relationship, not automatic discretionary tradingSource 33 |
Reference table09
Research and decision tools
| Tool | Purpose |
|---|---|
| Bond Center | Yield-curve and spread charts, news and government/corporate bond listsSource 15 |
| FinecoX workspace | News, market depth, alerts, portfolio profit/loss and Xcell data functionsSource 26 |
| ETF selection | Search and compare current ETFs and the monthly promotional instrument listSource 17 |
| Investor education | Fineco publishes free trading/investing material; it does not establish that a product is suitable for a particular readerSource 28 |
Fees & holding costs
Sections ↑Banking uses activity/asset commission tiers; Trading uses capped/floored percentage pricing. Check the authenticated personal tariff.[12]
Pricing & charges10
Full banking securities: published activity tiers
| Market | Below €99/month | €100 threshold | €1,500 threshold | Above €2,500/month |
|---|---|---|---|---|
| Italy / Germany | €19 | €9.95 | €6.95 | €2.95Source 12 |
| France / Netherlands / Portugal | €19 | €12.95 | €9.95 | €9.95Source 12 |
| US shares | US$12.95 | US$9.95 | US$8.95 | US$3.95Source 12 |
| Canada TSX | C$25 | C$20 | C$15 | C$10Source 12 |
The facts11
Introductory securities tier
| Measure | Value | Context |
|---|---|---|
| New full banking account | Covered Italy/European and US securities orders use €9.95 / US$9.95 during the opening month and the next month. This introductory tariff excludes standalone Trading. | Source 15 |
Pricing & charges12
Standalone Trading ordinary commission
| Transaction | Rate and minimum | Maximum |
|---|---|---|
| Shares, ETFs and certificates: Italy / Germany / USA | 0.19%; €2.95 minimum | €19 per orderSource 9 |
| Canada TSX shares | 0.19%; €12.95 minimum | €25 per orderSource 12 |
| Eligible Italian / European bonds | 0.19%; €2.95 on the specified bond list, otherwise €5.95 | €19 per orderSource 12 |
Pricing & charges13
Trading-account commission examples
Pricing & charges14
Recurring ETP charges and purchase offers
| Service | Published charge | Remaining costs / limits |
|---|---|---|
| Replay: one ETP | €2.95/period | Product and FX costs remainSource 16 |
| Replay: four ETPs | €6.95/period | Periodic plan feeSource 16 |
| Replay: ten ETPs | €13.95/period | More instruments or mixed promotions require a plan quoteSource 16 |
| Selected ETF purchase offer | €0 qualifying purchase commission | Eligible ISINs change monthly; ordinary sales, fund expenses, spread and FX remainSource 17 |
Pricing & charges15
Listed derivatives and OTC costs
| Product / component | Published pricing point | Qualification |
|---|---|---|
| Listed futures and options | Commission is per contract, with product and activity tiers | Examples of best-tier minima include €0.85 for micro-FIB and US$1 on specified US contractsSource 22 |
| Derivative introduction | Lowest tier: opening month plus two months | Full banking only; Trading excludedSource 12 |
| Forex CFD spread | EUR/USD from one pip; no separate commission | Advertised minimum; average spreads and holding costs can differSource 20 |
| CFD Fx overnight fixed component | 2.95% annualised on the relevant euro notional, using a 360-day basis | Additional interest-differential component can debit or credit the positionSource 21 |
Pricing & charges16
Small Business operation allowance
| Component | Published treatment |
|---|---|
| Monthly account fee | €5.95; includes 200 specified banking operations per yearSource 5 |
| Beyond the allowance | €1.95 each only for the named F24, ATM deposit, MAV/RAV/RIBA and PFA/branch cheque-deposit categoriesSource 5 |
| Other included operations | Remain free after the 200-operation threshold; separate small-cash-withdrawal charges can still applySource 5 |
Pricing & charges17
Banking transaction and card costs
| Service | One | Classic | Max |
|---|---|---|---|
| Physical debit card annual charge | €9.95 | €5.95 | IncludedSource 1Source 2Source 3 |
| SEPA transfer, including instant | €0 | €0 | €0Source 1Source 2Source 3 |
| Foreign SWIFT transfer | €10.50 | €9.95 | €9.95Source 1Source 2Source 3 |
| Domestic BANCOMAT withdrawal | €1 up to €99; above €99 free | €0.80 up to €99; above €99 free | FreeSource 1Source 2Source 3 |
The facts18
Costs that a zero monthly fee does not remove
| Measure | Value | Context |
|---|---|---|
| Foreign exchange | Automatic conversion embeds a currency-dependent spread. Multicurrency activation is free, but the bank flags possible monthly holding fees for CHF, JPY and SEK balances. | Source 19 |
| Investment expenses and taxes | Fund expenses, structured-product economics, applicable transaction taxes and stamp duty remain separate from broker commission. | Source 16Source 5 |
| Advice/pension pricing | Request selected advice-model and pension-compartment cost documents; a free bank account does not include these services. | Source 33Source 34 |
Execution, leverage & trading conditions
Sections ↑Reference table19
Cash-market order handling
| Area | Published mechanics | Practical consequence |
|---|---|---|
| US shares | Market orders use the regular session; separate limit instructions can cover pre-market, regular and after-hours sessions | Extended-hour liquidity and spreads may differSource 13 |
| Additional markets | Some securities and market routes need telephone dealing | Online commission headlines should not be assumed to cover assisted ordersSource 14 |
| Stop orders | Trigger activates an instruction, not a guaranteed price | Fast moves/thin markets can change the fillSource 9 |
| Bank execution roles | Fineco also publishes systematic-internaliser information | Identify the actual execution venue and any bank counterparty roleSource 40 |
Reference table20
Retail leverage and position controls
| Product / control | Published position | Boundary |
|---|---|---|
| Major Forex CFDs | Minimum retail margin 3.5% | Approximately 28.6× exposure; calculatedSource 20 |
| Major index CFDs | Minimum retail margin 5% | 20× exposure; calculatedSource 20 |
| Crypto-futures CFDs | Minimum retail margin 50% | 2× exposure; calculatedSource 20 |
| Automatic CFD stop | Triggers around 50% loss of initial margin | Not a universal fill guarantee or loss capSource 20Source 9 |
| Knock Out options | Barrier with contractual premium-limited loss | Can still lose the full premium; treat separately from CFD marginSource 23 |
Trading & service hours21
CFD Fx duration and financing timing
| Position | Published treatment |
|---|---|
| Intraday | 22:50 Italian-time cutoff; the published process closes remaining positions automatically by 23:00Source 21 |
| Multiday | Maximum 365 days; close earlier manually or through the applicable stopSource 21 |
| Profit / loss | Booked when the position closes, including partial closure; this differs from the old daily rollover designSource 21 |
| Holding charges | Accrue while held; closing/partial closing accounts for charges, with an available-balance adjustment after 90 unchanged daysSource 21 |
Reference table22
Required approvals and risk disclosure
| Area | Current information |
|---|---|
| Derivative permissions | Separate derivatives agreement, completed MiFID interview and qualifying knowledge/experience requiredSource 4 |
| Retail CFD loss disclosure | 63.98% of retail CFD accounts lose money; site disclosure checked 11 October 2026Source 20 |
| Knock Out duration | Options can be held up to the published maximum of 30 days and follow the barrier/product rulesSource 23 |
| Professional treatment | Different product rules and higher leverage require professional eligibilitySource 4 |
Deposits, withdrawals & account funding
Sections ↑The full account links banking and securities settlement. Trades, conversions and payments can have different value dates. Check available cash: displayed investment value is not necessarily withdrawable.[19][8]
Reference table23
Moving money and securities
| Operation | Published route | Condition |
|---|---|---|
| Cash funding/withdrawal | Permitted bank transfers | Trading supports SEPA; no cash deposits or payment cardsSource 4 |
| Incoming foreign transfer | Use the correct SEPA/SWIFT details and supported currency | Intermediary-bank deductions or returned-payment costs can occurSource 8 |
| Portfolio transfer | Fineco states no own transfer charge; request and track online | Automatic bulk transfer is for identically owned, single-holder accountsSource 29 |
| Transferred securities | The bank advertises domestic and foreign securities and funds | Check instrument eligibility, tax acquisition data and any outgoing-bank feeSource 29 |
Reference table24
Multicurrency and AutoFX
| Feature | Current arrangement |
|---|---|
| Eligible account | Multicurrency is available on full banking accounts; unavailable on standalone TradingSource 19 |
| Currency balances | The service advertises up to 20 currency balances; USD, GBP and CHF are initial choices, with others enabled separatelySource 19 |
| AutoFX | Foreign-security settlement: currency balance or automatic euro conversion; excludes derivatives/marginSource 4 |
| Currency value date | Published USD/CAD conversion legs use T+1, others T+2; holidays can extend thisSource 19 |
| Quote and cost | A time-limited exchange quote includes a currency-pair-dependent spreadSource 19 |
Pricing & charges25
CashPark current fixed-term offer
| Term | Offer checked 11 October 2026 |
|---|---|
| Product and entry | CashPark Svincolabile; eligible existing customer with active deposit service; minimum €1,000 qualifying new moneySource 30 |
| Full 12-month term | 2% gross annual rate under the current offerSource 30 |
| Early access with short notice | 1% gross annual rate with availability on the next working daySource 30 |
| Early access with longer notice | 2% gross annual rate with 32 calendar days’ noticeSource 30 |
| Offer window | 22 June–9 November 2026; offer conditions applySource 30 |
Pricing & charges26
Credit Lombard is secured borrowing
| Feature | Published arrangement |
|---|---|
| Credit range | €10,000 to €1,000,000, subject to approval and eligible pledged assetsSource 31 |
| Applicant | Italian resident with an eligible full Fineco account; Trading and Under 18 are excludedSource 31 |
| Interest | Variable three-month Euribor/360 plus an agreed spread; interest applies to drawn creditSource 31 |
| Collateral | Indicative lending value around 60–80% depends on assets and the bank’s assessment; no guaranteed advance rateSource 31 |
| Bank charges | The page states no activation or availability fee; contractual interest and risk terms remainSource 31 |
The facts27
Before transferring or borrowing
| Measure | Value | Context |
|---|---|---|
| Transfer tracking | The online transfer archive shows progress. The automatic route’s single-holder ownership condition should be checked before transferring from a joint account. | Source 29 |
| Collateral and liquidity | A pledged portfolio can lose value or lending eligibility while the debt remains. Confirm top-up, repayment and realisation terms before drawing credit. | Source 31 |
| CashPark maturity | Funds return to the main account at agreed maturity. Early access uses the selected notice and rate. | Source 30 |
Regulation & client-money protection
Sections ↑The legal operator is FinecoBank S.p.A. The ECB’s named list with a 1 July 2026 cut-off includes FinecoBank among directly supervised significant credit institutions. The bank also identifies Banca d’Italia and CONSOB in its Italian regulatory disclosures.[43][37]
Entities & regulation28
Entity and official evidence
| Evidence | What it establishes | Limit |
|---|---|---|
| ECB supervised-entity list | Named FinecoBank S.p.A. match in the current retrieved list | List cut-off is 1 July 2026; not a real-time product-permission extractSource 43 |
| Banca d’Italia register service | Official route for Italian bank and intermediary information | A complete live named permissions extract was not retrieved hereSource 44 |
| FITD members list | FinecoBank is a named member of the Italian deposit guarantee fund | Membership does not turn investments into insured depositsSource 41 |
| CONSOB operator guidance | Investment-service authorisation and conduct responsibilities depend on operator type | A bank’s status should not be confused with a separate investment-firm registrationSource 45 |
Protections & eligibility29
Deposit protection
| Question | Applicable scope |
|---|---|
| Limit | Up to €100,000 per eligible depositor at the bank, subject to FITD rulesSource 42 |
| Aggregation | Eligible Fineco current-account cash, currency deposits and CashPark aggregate at the same bankSource 39 |
| Joint deposits | Protection follows each holder’s attributable share together with their other eligible bank depositsSource 42 |
| Repayment | Ordinary FITD repayment target is seven working days after the statutory trigger; exceptions can affect timingSource 42 |
Protections & eligibility30
Securities and investor compensation
| Item | Scope | Exclusion |
|---|---|---|
| Custodied securities | Fineco’s depositor information distinguishes securities from repayable bank deposits | The market value of shares, funds or bonds is not guaranteed by FITDSource 39 |
| Fondo Nazionale di Garanzia | Bank documentation describes qualifying investor compensation up to €20,000 where eligible assets cannot be returned in the prescribed insolvency circumstances | No protection against an ordinary price loss or poor investment outcomeSource 39 |
| CFDs/structured products | Fineco may be counterparty or issuer | Credit, market and leverage risks remainSource 20Source 24 |
Protections & eligibility31
Account security and authorisation
| Control | Published role |
|---|---|
| Mobile Code | App-based approval of sensitive account access and instructions; optional supported biometricsSource 28 |
| SMS PIN and transaction PIN | Alternative or supplementary authentication where the bank’s procedure permitsSource 28 |
| Incident prevention | Fineco says it will not ask a customer to disclose credentials, card details or authorise an unsolicited request with Mobile CodeSource 28 |
Customer support & contact routes
Sections ↑Reference table32
Service level by account
| Account | Published assistance | Useful boundary |
|---|---|---|
| One | Telephone assistance is not part of the advertised ordinary One serviceSource 1 | |
| Classic | Email and telephone | Specialist dealing support follows product availabilitySource 2 |
| Max | Priority email and telephone | Priority does not mean every venue trades continuouslySource 3 |
| Trading | Email and dedicated account-help route | Telephone CFD closing is limited to accounts that include telephone assistanceSource 21Source 8 |
Official assistance and complaints
Official assistance directoryWebsite
https://it.finecobank.com/contattaci/Source 35
Scope Authenticated help, public contact options and Fineco Center/adviser locator
Account helpEmail
Trading helpEmail
Telephone supportTelephone
Formal complaint emailEmail
[email protected]Source 36
Scope Identify the communication as a complaint and include relevant account/transaction information
Certified complaint emailEmail
Additional investment & banking services
Sections ↑Reference table33
Replay plan design
| Choice | Published mechanics |
|---|---|
| Investment form | Set quantities, amounts or target portfolio weights; amount-based orders buy whole units, not fractional sharesSource 18 |
| Schedule | Monthly, twice monthly or quarterly; twice-monthly dates must be at least seven days apartSource 18 |
| Funding test | On investment day the cash test uses the previous close plus 3%; insufficient cash rejects all planned orders in that currencySource 18 |
| Execution | The bank aggregates orders and allocates fills under the published process; investors do not choose the exact intraday fillSource 18 |
| Change or stop | Amend or pause by the preceding calendar day; deleting a plan stops future purchases without selling existing holdingsSource 18 |
| Sell holdings | Place a separate ordinary sale, with the applicable dealing commissionSource 18 |
Reference table34
Advice+ and ongoing advice
| Feature | Documented service |
|---|---|
| Structure | Adviser-led portfolio diagnosis, proposals, monitoring and reportingSource 33 |
| Choice | Eight financial plans with two stated fee models for each; obtain the selected plan’s written quoteSource 33 |
| Implementation | Review investment proposals through web collaboration; accepted service terms define responsibilitiesSource 33 |
Reference table35
Portafoglio Remunerato securities lending
| Question | Published position |
|---|---|
| Activation | Optional service, with no activation fee; eligible holdings can include shares, ETFs, ETCs and ETNsSource 32 |
| Borrower / use | Fineco borrows selected securities for its own use or onward institutional lendingSource 32 |
| Earnings | Accrue only on securities actually borrowed, for the borrowed days; demand and rates varySource 32 |
| Calculation | Quantity × reference price × annual rate ÷ 360 for each day; monthly net-of-tax paymentSource 32 |
| Availability and risk | Marketing says holdings can still be sold/transferred; read the lending contract for rights, recall and counterparty treatmentSource 32 |
Reference table36
Core Pension supplementary retirement service
| Feature | Published structure |
|---|---|
| Provider | Amundi open pension fund offered to Fineco customers; five investment compartmentsSource 34 |
| Choices | Guaranteed, mixed-bond, balanced, equity and equity-plus options; up to four can be combinedSource 34 |
| Contributions | One-off or recurring payments, TFR and eligible pension transfers; no published minimum contributionSource 34 |
| Access / management | Online or adviser subscription; minor/dependent subscriptions use an adviser. From 4 March 2026 Fineco AM manages the non-guaranteed compartments under Amundi’s delegationSource 34 |
Company background & evidence
Sections ↑Reference table37
Brand, bank and product-provider roles
| Role | Established information |
|---|---|
| Bank operator | FinecoBank S.p.A.; registered office in Milan, with operational headquarters in Reggio EmiliaSource 37 |
| Listed banking group | Fineco describes a banking model combining brokerage, banking and investing within a listed groupSource 38 |
| Own products and advice | Fineco-issued certificates and Fineco Asset Management products can coexist with third-party productsSource 24Source 33 |
| Pension relationship | Core Pension is an Amundi pension arrangement with the documented Fineco AM management delegationSource 34 |
Reference table38
Evidence quality and dates
| Area | How to read this profile |
|---|---|
| New banking plans | The new account-fee rules apply from 11 February 2026; earlier cohorts have different conditionsSource 5 |
| Prices | Personal tariffs/terms control; promotions expireSource 12 |
| Official entity check | FinecoBank was matched by name in the downloaded ECB list and FITD member listSource 43Source 41 |
| Scope of review | Published Italian services and documents checked 11 October 2026; no funded-account execution or support-response measurementSource 37 |
- Headquarters
- Milan and Reggio Emilia, Italy
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
FinecoBank S.p.A.
No separate licence entry is recorded in this panel.
Additional Information
Sections ↑Reference table39
Complaints and escalation
| Matter | Published response route / period |
|---|---|
| Banking and investment complaint | Bank response within 60 days under its procedureSource 36 |
| Payment-service complaint | Normally 15 working days; exceptional cases can extend to 35Source 36 |
| Insurance complaint | 45 days under the published processSource 36 |
| Unresolved matter | ABF for eligible banking disputes, ACF for eligible investment disputes; insurance AAS route operating from 15 January 2026Source 36 |
Reference table40
Requesting account closure
| Route | Published process |
|---|---|
| Ordinary request | Authenticated website: Il mio conto → Gestione servizi → Richiedi chiusura conto; digitally sign the requestSource 7 |
| Paper exceptions | Specified representatives or customers unable to sign digitally submit the completed paper form through an authorised channelSource 7 |
Reference table41
Tax reporting and transfer choices
| Topic | Published position |
|---|---|
| Italian administered tax regime | Where selected and applicable, Fineco calculates and pays investment taxes as withholding agentSource 17 |
| Personal obligations | Foreign tax/residency and account-disclosure obligations can remain despite Italian withholdingSource 7 |
| Transfer reward | The current major offer requires qualifying net portfolio growth, at least €100,000 transferred and activation of securities lending; the maximum €15,000 voucher needs more than €5 million of qualifying net transfersSource 29 |
The facts42
Decisions to make before opening
| Measure | Value | Context |
|---|---|---|
| Account choice | Banking: service and commission tiers. Trading: percentage pricing, fewer banking functions. | Source 1Source 9 |
| Separate cash access from investment liquidity | CashPark notice options, securities settlement, currency value dates and a pledged credit portfolio create different access conditions. | Source 30Source 19 |
| Check product permission | Confirm separate approvals and risk limits for securities, derivatives, advice and pensions. | Source 4 |
Sources & further reading
- Fineco One: banking, cards, support and trading FinecoBank S.p.A. · Accessed 11 Oct 2026
- Fineco Classic: current banking and card conditions FinecoBank S.p.A. · Accessed 11 Oct 2026
- Fineco Max: priority support and included cards FinecoBank S.p.A. · Accessed 11 Oct 2026
- Official comparison of One, Classic, Max and Trading FinecoBank S.p.A. · Accessed 11 Oct 2026
- Account conditions and earlier account cohorts FinecoBank S.p.A. · Accessed 11 Oct 2026
- Account fees and asset-based waivers from 11 February 2026 FinecoBank S.p.A. · Accessed 11 Oct 2026
- Banking FAQ: identification, tax status and joint applicants FinecoBank S.p.A. · Accessed 11 Oct 2026
- Account operation, Mobile Code and specialist support FinecoBank S.p.A. · Accessed 11 Oct 2026
- Standalone Fineco Trading account and its product range FinecoBank S.p.A. · Accessed 11 Oct 2026
- Under-30 investment, Replay and card conditions FinecoBank S.p.A. · Accessed 11 Oct 2026
- Fineco Under 18: eligibility, parental limits and adult conversion FinecoBank S.p.A. · Accessed 11 Oct 2026
- Current securities, derivatives and Replay commission schedules FinecoBank S.p.A. · Accessed 11 Oct 2026
- Share dealing, market access and US extended hours FinecoBank S.p.A. · Accessed 11 Oct 2026
- Market directory, order routes and market-specific conditions FinecoBank S.p.A. · Accessed 11 Oct 2026
- Bonds, relevant venues and Bond Center research FinecoBank S.p.A. · Accessed 11 Oct 2026
- ETF investing and recurring purchase service FinecoBank S.p.A. · Accessed 11 Oct 2026
- Selected ETF purchase promotions and monthly instrument lists FinecoBank S.p.A. · Accessed 11 Oct 2026
- Replay operating rules: whole units, funding, execution and plan changes FinecoBank S.p.A. · Accessed 11 Oct 2026
- Multicurrency cash balances, conversion and AutoFX FinecoBank S.p.A. · Accessed 11 Oct 2026
- CFD markets, counterparty, margin and retail risk disclosure FinecoBank S.p.A. · Accessed 11 Oct 2026
- CFD Fx operation, position duration, financing and trading windows FinecoBank S.p.A. · Accessed 11 Oct 2026
- Listed futures and options: markets and per-contract charges FinecoBank S.p.A. · Accessed 11 Oct 2026
- Knock Out options: barriers, premium and duration FinecoBank S.p.A. · Accessed 11 Oct 2026
- Fineco certificates and their market arrangements FinecoBank S.p.A. · Accessed 11 Oct 2026
- Cryptocurrency exposure through CFD, Knock Out and ETP products FinecoBank S.p.A. · Accessed 11 Oct 2026
- FinecoX platform, order tools and product limitations FinecoBank S.p.A. · Accessed 11 Oct 2026
- Fineco mobile application: banking, investment and trading tools FinecoBank S.p.A. · Accessed 11 Oct 2026
- Official security guidance and transaction authentication FinecoBank S.p.A. · Accessed 11 Oct 2026
- Portfolio transfer mechanics and current transfer campaign FinecoBank S.p.A. · Accessed 11 Oct 2026
- CashPark Svincolabile offer and early-access choices FinecoBank S.p.A. · Accessed 11 Oct 2026
- Credit Lombard: eligibility, collateral, pricing and current promotion FinecoBank S.p.A. · Accessed 11 Oct 2026
- Portafoglio Remunerato: optional securities lending FinecoBank S.p.A. · Accessed 11 Oct 2026
- Advice+ financial-adviser service and fee-model choices FinecoBank S.p.A. · Accessed 11 Oct 2026
- Core Pension: compartments, subscriptions and March 2026 delegation FinecoBank S.p.A. · Accessed 11 Oct 2026
- Official contact, adviser and Fineco Center directory FinecoBank S.p.A. · Accessed 11 Oct 2026
- Complaints, response periods and external dispute routes FinecoBank S.p.A. · Accessed 11 Oct 2026
- FinecoBank legal entity, registers and protection memberships FinecoBank S.p.A. · Accessed 11 Oct 2026
- Fineco corporate background and listed banking group FinecoBank S.p.A. · Accessed 11 Oct 2026
- Depositor information and investor-compensation scope FinecoBank S.p.A. · Accessed 11 Oct 2026
- FinecoBank systematic internaliser disclosures FinecoBank S.p.A. · Accessed 11 Oct 2026
- Named FITD member banks: FinecoBank Fondo Interbancario di Tutela dei Depositi · Accessed 11 Oct 2026
- Deposit guarantee: eligibility, limits and repayment Fondo Interbancario di Tutela dei Depositi · Accessed 11 Oct 2026
- ECB supervised-entity list, cut-off 1 July 2026 European Central Bank · Accessed 11 Oct 2026
- Official bank-register search and scope Banca d’Italia · Accessed 11 Oct 2026
- Authorised financial operators and supervisory responsibilities CONSOB · Accessed 11 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.