FinecoBank

["Bank of Italy", "Consob", "Financial Conduct Authority (limited/UK run-off context)", "Prudential Regulation Authority (limited/UK run-off context)"]

["Banking Group/Register code 3015", "Bank of Italy investment-services authorisation n 039839 dated 1999-12-13", "REA No. 1598155", "Insurance intermediary registration D000159524"]

[{"name": "FinecoBank S.p.A.", "registeredOffice": "Piazza Durante 11, Milan 20131, Italy", "headquarters": "Via Rivoluzione d’Ottobre 16, Reggio Emilia 42123, Italy"}]

needs_manual_review/conflicting: current Fineco Italian CFD help warns losses may exceed initial margin and affect personal assets; no clear public statement confirming retail negative balance protection was found in checked official pages.

Deposits: FITD protection up to EUR 100,000 per depositor per credit institution. Investments: FinecoBank states membership of Fondo Nazionale di Garanzia/National Guarantee Fund for credits relating to financial instruments or cash tied to investment transactions; exact compensation limit not stated in Fineco source and should be manually reviewed.

needs_manual_review: no explicit minimum deposit found on current public account/trading pages; account opening and trading account are advertised with zero monthly fee/custody costs, but minimum funding was not clearly disclosed.

needs_manual_review: CFDs are advertised as zero commission/only spread; legal help states CFD share/commodity/crypto-future markup max 0.19%, CFD index/bond spread max 0.6% of mid-price, and exact point spread is visible in the order ticket; legacy UK FX CFD example states EUR/USD spread 3 pips.

{"FinecoTrading": "0.19% of order value on shares/ETFs/certificates/bonds; Italy/Germany/USA min €2.95, max €19; Canada min €12.95, max €25; bond minimum can be €2.95 or €5.95 depending instrument list", "OneClassicMax": "Fixed per-order commissions vary by market/activity/assets, with minimum tier down to €2.95 or $3.95 for many listed securities", "CFDs": "€0 execution commission; spread/markup applies", "FuturesOptions": "Per-lot fees vary by market; official fee page lists futures/options tables"}

Retail CFD headline up to 28x on current Italian Fineco Trading page; professional clients may access higher leverage but exact current max not disclosed in current Italian public page. Legacy UK page/search result mentioned up to 100x for professional clients.

Banking account examples: SEPA including instant SEPA free; SWIFT outgoing listed as €9.95-€10.50 depending account; ATM deposits free/€2.95 depending account profile; Trading-only comparison shows SEPA free, SWIFT €9.95 and many banking deposit features unavailable.

ATM withdrawal fees vary by account: One €1 up to €99 and free above €99; Classic €0.80 up to €99 and free above €99; Max free; Trading-only shows ATM withdrawal not available. SEPA transfers are listed as free; SWIFT transfer fee varies by account.

not_disclosed: no inactivity fee found in checked public account, commission, or legal pages. Treat as not disclosed rather than zero until fee schedule/manual review confirms.

{"currentPublicFinding": "Needs manual review. Current public Italian pages are Italy-focused; legacy UK terms require UK residency, age 18+, and not a US Person; FCA search result says FinecoBank S.p.A. applied to cancel authorisation and cannot deal with new UK customers; Fineco investor/fixed-income pages restrict access/distribution for USA, Canada, Australia, Japan and other unauthorized jurisdictions."}

["Stocks on 26 global markets", "ETFs, ETCs, ETNs and ETF savings plans", "Bonds including government, bank, corporate and structured bonds", "CFDs on indices, commodities, equities, bond futures/indices and crypto futures", "FX CFDs on more than 50 currency pairs", "Certificates and Knock Out products", "Futures and options on IDEM, EUREX and CBOE/CME references", "Crypto exposure via dedicated CFDs and ETPs on regulated markets"]

["Fineco website", "Fineco mobile app", "FinecoX", "PowerDesk (legacy/help documented)"]

["Fineco One", "Fineco Classic", "Fineco Max", "Fineco Trading", "Professional Client for derivatives/leverage", "Professional Client for administered savings instruments", "General Professional Client"]

["SEPA bank transfer including instant SEPA", "SWIFT bank transfer", "ATM cash/deposit services on banking accounts", "Card/banking account funding rails as part of Fineco bank account", "Transfer of securities/funds from other institutions"]

["SEPA bank transfer including instant SEPA", "SWIFT bank transfer", "ATM cash withdrawal via Bancomat/debit card on banking accounts", "Card/debit-card spending/withdrawal features depending account type"]