eToro

3.4

#14 of 40 Cash ISAs #20 of 47 Stocks & Shares ISAs

Website Fees Review

Overview

eToro is a global social trading platform and multi-asset brokerage that lets retail investors trade stocks, cryptocurrencies, commodities, forex and ETFs. Known for its copy trading feature, which allows users to automatically mirror other traders’ positions, eToro emphasises user-friendly interfaces and social networking elements. The platform offers both traditional trading and commission-free stock investing, with a focus on making financial markets accessible to everyday investors.

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Fi Score This is a subjective score awarded by Financial Interest based on the account or platform's offering.

Stocks & Shares ISA

3.5

SIPPThis broker does not offer SIPP or we have not added it to our dataset yet.

N/A

Junior Stocks & Shares ISAThis broker does not offer Junior Stocks & Shares ISA or we have not added it to our dataset yet.

N/A

Junior SIPPThis broker does not offer Junior SIPP or we have not added it to our dataset yet.

N/A

Lifetime Stocks & Shares ISAThis broker does not offer Lifetime Stocks & Shares ISA or we have not added it to our dataset yet.

N/A

Lifetime Cash ISAThis broker does not offer Lifetime Cash ISA or we have not added it to our dataset yet.

N/A

Cash ISA

3.2

eToro Offers

eToro welcome bonus

We're not aware of a welcome bonus for eToro at this time.

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eToro Fees & Review

Stocks & Shares ISA
Cash ISA

Stocks & Shares ISA

Fi Score rankingWhere this ISA ranks compared to other ISAs based on Fi Score T20

Fi Fee (£10k balance)(£100k balance)(£500k balance)Our unique calculation for comparable fees across brokers for each account type, based on a 10k100k500k portfolio. Your fees may vary. £82.40

ISA fee notes ^{eToro doesn't offer its own ISA, but a partnership with Moneyfarm gives access to both DIY and managed Moneyfarm ISA accounts. The DIY account has relatively low fees but managed portfolios can have a slightly different fee structure.}

Minimum account chargeThe minimum amount you need to pay for this Stocks & Shares ISA, excluding account fee reductions or discounts. £0

FX feeThe currency conversion fee when purchasing investments that aren't listed in GBP (£). 0.70%

In-specie transfersDoes the broker support the transfer of investments? No

^ETFs

Account fee on ETFsThe account fee you'll pay when investing in ETFs. 0.35%

ETF account fee capThe maximum amount you'll pay in account fees when investing in ETFs. £45

ETF trading feeThe amount you'll pay to invest in an ETF in this ISA, excluding trading volume discounts. £3.95

ETF regular investing feeThe amount you'll pay to invest in ETFs when using an ongoing regular investment. N/A

^{Mutual funds}

Account fee on fundsThe account fee you'll pay when investing in mutual funds. 0.35%

Fund fee capThe maximum amount you'll pay in account fees when investing in mutual funds. £45

Fund trading feeThe amount you'll pay to invest in a mutual fund in this ISA, excluding trading volume discounts. £3.95

Fund regular investing feeThe amount you'll pay to invest in mutual funds when using an ongoing regular investment. N/A

^Shares

Share trading feeThe amount you'll pay to invest in company shares, excluding trading volume discounts. £3.95

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The eToro Stocks & Shares ISA allows investors to choose their own investments in individual shares, ETFs, mutual funds, commodities, and money market funds. You're also able to select pre-built portfolios or pay for your portfolio to be managed by professionals.

The account doesn't offer fractional shares – you must buy whole units of investments, making it harder to get your full deposit into the market.

As this is a flexible ISA, you can withdraw and redeposit in the same tax year without affecting your annual ISA limit.

In-specie transfers aren't supported, meaning you'd have to convert investments into cash to transfer elsewhere.

eToro ranks joint-38th by Fi Fee for small investors (£10,000 portfolios), but fare much better at joint-19th for large portfolios (balances of £500,000). To invest, you’ll need a minimum lump sum deposit of £500 or an ongoing monthly investment of at least £100. They charge 0.70% as an FX fee for investments in foreign currencies.

eToro doesn't offer its own ISA, but a partnership with Moneyfarm gives access to both DIY and managed Moneyfarm ISA accounts. The DIY account has relatively low fees but managed portfolios can have a slightly different fee structure.

Cash ISA

Interest rate (AER)The interest rate offered in their easy access (withdraw anytime) Cash ISA, or closest equivalent, at the time of our last update. 4.80%

Flexible?Can you withdraw and redeposit without affecting your annual ISA limit? Yes

Maximum withdrawalsThe most withdrawals you can make before it affects your interest rate 3

eToro's cash ISA (easy access) offers a 4.80% interest rate to new customers — a rate that lasts for 12 months — with ongoing users getting a rate of 3.50%. It’s a flexible cash ISA, allowing you to withdraw and redeposit in the same tax year without affecting your annual ISA limit.

Withdrawals are limited to 3 per year, and you must maintain a minimum balance of £500. Interest is paid annually.

This is the #21 ranked cash ISA on Financial Interest. They rank 10th by interest rate for existing customers (with new customer promotional rates excluded) and 2nd with their promotional rate for new customers.

Importantly, eToro uses Qualifying Money Market Funds (QMMFs) within their cash ISA. This technically means it's an investment product, and that your money may be treated differently when it comes to FSCS protection. Your money could be at risk in some circumstances.

Deposits or transfers before 31 December 2025 qualify for a boosted 4.57% rate for 12 months. Otherwise, the introductory variable rate is 3.92%, dropping down to 3.72% after 12 months or if you make 3+ withdrawals. Like the Stocks and Shares ISA, this product from eToro is technically with Moneyfarm.

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