Sofi Active Investing vs Fineco Bank : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

Sofi Active Investing

Fineco Bank

Broker Overview

Broker Type (e.g., Market Maker, ECN/STP)

Market maker

Years of Existence / Established Year

2019

1999

Customer Base / Number of Accounts

6.2+ Million

1.4M

Regulation & Security

Regulations (governing bodies)

SEC, FINRA

FCA, PRA Bank of Italy and Consob

Awards Won (count for the last 2 years)

No major awards listed

Winner of EMAS Italia 2023 Best in ESG in MF investment and advisor awards 2023 Sustainability leaders 2023

Security Measures

SIPC

SIPC & FSCS

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

NBP for derivatives not available for professional traders

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

IPO, IRA, Shares

6000+ financial products including ETCs

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Yes

Bonds

Yes

Mutual Funds

Yes

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Yes

Precious Metals

Yes

Real Estate Investment Trusts (REITs)

Equities

Yes

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

MT5

cTrader

Social Trading

Copy Trading

Other Trading Platforms (proprietary, etc.)

Mobile and Web app

PowerDesk Fineco App

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Yes (except iOS)

Account Types & Conditions

Account Types (Retail, Pro, VIP, etc.)

Individual brokerage, IRA (Traditional, Roth, SEP)

Fineco Account Trading Account

Demo Account (Yes/No)

Islamic Accounts (Yes/No)

Minimum Deposit

Euro 0

Leverage Available

100:1

Trade Limit (maximum per trade)

Account Equity < $25,000: No Day Trades

CFDs Min 2% to Max 6% for intraday trading Min 7% to Max 100% for multiday trading

Commission (per account type)

Best Suited For (e.g., beginners, experienced traders)

Passive investors

Beginners & experienced

Deposit & Withdrawal Options

Deposit Methods

Bank transfers (ACH), direct deposit from linked bank accounts

Bank transfer Credit / Debit cards

Withdrawal Methods

ACH transfer back to linked bank accounts

Bank transfer Credit / Debit cards

Other E-Wallets Supported

Tools & Educational Resources

Economic Calendar

Yes

Tools & Educational Resources (tutorials, webinars, market news, etc.)

Learn (Investing Education), Market Insights and Analysis, Webinars, Investing Guides, Financial Planning Tools, Sofi Insights (Market News)

Margination Automatic Orders Multicurrency Multiple Filters Remunerated Portfolio Video guides & online webinars

Fees & Commissions

Trading-Related Fees

Stocks, ETFs-$0,Commission -$0

CFD Stocks - Euro 0 CFD Indices - Euro 0 CFD Commodities -Euro 0 CFD Forex - Euro0 CFD Crypto -Euro 0 Knock out - Euro 0 ETF promotion -Euro 0 Certificates - Euro 0 Euro 3.95 per order on investments

Spread (typical, fixed, variable)

Variable

Per Lot Fees

Up to Euro 0.85 and $1 per lot

Options Contract Fees

$0- $5

IDEM options - Euro 1.95 EUREX Options - Euro 1.95 CBOE Options - $1.95

Futures Contract Fees

Futures IDEM - Euro 1.95 EUREX Futures - Euro 0.95 CME Futures - $1

Markup Fees on Spread

Guaranteed Stop Loss Fees

Maximum Leverage

100:1

Non-Trading Fees

Dormant Fees

$25

Euro 0

Subscription Fees (for premium features, data feeds)

0.25%

Advisory Fees

Depending on assets type, Professional charges- 1% , annual advisory fees as low as 0.25%

Swap Fees (Overnight Financing)

Statement or Document Fee

$5 paper statement fee

Account Opening Fee

Account Maintenance Fee

Euro 2.95 per month

Deposit Fee

Currency Conversion Fee

Withdrawal Fee

Outgoing ACAT transfers $100

Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Customer Benefits (e.g., Retirement Plan)

Yes

Trading Hours

Trading Hours (for each asset class if applicable)

Depends on the instrument offer

Depends on the assets type

Customer Support

Support Hours (e.g., 24/7, weekdays only)

Monday - Friday 5am-5pm PT

24/5

Customer Support Methods (phone, email, live chat)

Live chat, Phone: 855-456-7634, Virtual assistant

UK - 08006406667 Abroad - +44 (0) 20 7065 7557 Monday to Friday, from 10:00 am to 6:30 pm.Email: mailto:[email protected]

Support Languages

Additional Information

Headquarters Location

San Francisco, California.

Rivoluzione d'Ottobre 16, Reggio Emilia, Italy 42123

Complaints (for crypto brokers)

At TradingCritique, we don't just list brokers. We test, compare, and simplify your decision-making. Whether you're a beginner or a pro, our data-driven comparisons are built to match your trading style and region. Learn how we Evaluate a broker.

If minimizing trading costs is your top priority, Sofi Active Investing might be more attractive due to its lower commissions. Meanwhile, Fineco Bank justifies its moderate fees with more robust tools and professional-grade features.

Creating an account with Sofi Active Investing is generally faster and more user-friendly, often taking just a few minutes, while Fineco Bank requires more detailed steps and identity verification, which may suit more cautious investors.

New traders may find Sofi Active Investing interface more welcoming, while Fineco Bank appeals to experienced users looking for tools like heatmaps, screeners, and market sentiment overlays.

Those seeking technical depth may prefer Sofi Active Investing, while Fineco Bank shines with intuitive design and streamlined features.

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