TD Direct Investing vs Fineco Bank : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

TD Direct Investing

Fineco Bank

Broker Overview

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

None

Years of Existence / Established Year

1984

1999

Customer Base / Number of Accounts

17 M

1.4M

Regulation & Security

Regulations (governing bodies)

CIPF, CIRO

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

CIPF

SIPC & FSCS

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Yes

NBP for derivatives not available for professional traders

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

Fixed income investments, GICs

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.)

TD app, web trader, Advanced dashboard, TD active trader

PowerDesk Fineco App

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Yes (except iOS)

Account Types & Conditions

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

Margin account, cash trading account, TFSA, RSP, RESP, RIF, LIRA, LIF, RDSP

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)

Depends on asset types

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)

Beginners and experienced traders

Beginners & experienced

Deposit & Withdrawal Options

Deposit Methods

Direct bank account, Check

Bank transfer Credit / Debit cards

Withdrawal Methods

SWIP, Wire payment

Bank transfer Credit / Debit cards

Other E-Wallets Supported

Tools & Educational Resources

Economic Calendar

Yes

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

Learning Centre - Investing Education, Market Insights and Analysis, Webinars, Investing Guides, Video Tutorials, TD Direct Investing Community Forum

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

Fees & Commissions

Trading-Related Fees

Commission -mutual funds- $0 , IPOs, Equities- $7.00- $9.99, Stock - $3- $43, Bonds- $40 + $1.50/1,000

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

$9.99 + $1.25 per contract

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

Euro 0

Subscription Fees (for premium features, data feeds)

0.25%

Advisory Fees

Swap Fees (Overnight Financing)

Statement or Document Fee

$2-$5

Account Opening Fee

Applicable, Depends on account types

Account Maintenance Fee

$25 per quarter

Euro 2.95 per month

Deposit Fee

$17.50 U.S

Currency Conversion Fee

2.50%

Withdrawal Fee

$30-$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)

Pre-market trading hours (8 a.m. to 9:30 a.m. ET) and after-hours trading (4 p.m. to 8 p.m. ET)

Depends on the assets type

Customer Support

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

Monday to Friday, 7 am to 10 pm ET

24/5

Customer Support Methods (phone, email, live chat)

Phone: 1-800-465-5463, , Book an appointment

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

66 Wellington Street West, Toronto, ON M5K 1A2

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.

TD Direct Investing is known for competitive pricing on basic trades, especially for beginners. However, Fineco Bank fee structure, though slightly higher, covers a broader range of services, making it more suitable for active traders.

If speed and simplicity matter to you, TD Direct Investing delivers a streamlined account setup. In contrast, Fineco Bank includes more documentation and KYC checks, which can delay access but ensures strong compliance.

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

If you're after professional-grade platforms, TD Direct Investing may be ideal. For casual investors, Fineco Bank offers a low-barrier entry.

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