Updated October 17, 2026 · HodlCue Editorial Team
Binance P2P vs eToro
Binance P2P
eToro
Higher score in this comparison
Where Binance P2P and eToro differ
| Compare | Binance P2PReviewVisitVisit | eToroReviewVisitVisit |
|---|---|---|
| Taker fee | 0.1%Lower | 1% |
| Coins listed | 490Higher | 150 |
| Fiat deposit methods | Card, Bank, SEPA, ACHCovers more | Card, Bank |
| Maker fee | 0.1%Lower | 1% |
| Regulators | Not confirmed | Cyprus Securities and Exchange Commission (CySEC), Financial Conduct Authority (FCA), Australian Securities and Investments Commission (ASIC) |
| Proof of reserves | Yes | Not confirmed |
| Withdrawal fee | Not confirmed | $5 |
| Exchange type | Not confirmed | Cex |
Same on both: Derivatives (Yes).
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Key differences
- eToro scores higher overall: 9.6 vs 9.2.
- Taker fee is lower at Binance P2P: 0.1% vs 1%.
- Maker fee is lower at Binance P2P: 0.1% vs 1%.
- Coins listed is higher at Binance P2P: 490 vs 150.
- Fiat deposit methods: only Binance P2P offers SEPA, ACH.
Our verdict on each
Binance P2P
This Binance P2P profile covers the crypto-exchange marketplace feature for direct digital-asset trades between users. Offer amounts, prices and conditions are set by the advertiser, seller terms apply, and regional availability is not universal.
eToro
eToro suits travellers and crypto spenders who want a Visa debit card for everyday spending alongside investing. Monthly fee is €0 with currency conversion at 0% and ATM allowance of €2,500 to €12,000 plus cashback at 4% and support through help centre, chat and phone.
Score breakdown
| Area | Binance P2P | eToro |
|---|---|---|
| Cost | 9.0 | 9.3HigherWithdrawal fee is $5 alongside card spending costs. |
| Offer | 9.5 | 9.5Access to 150 crypto assets for trading and card funding. |
| Trust | 9.1 | 9.9HigherOversight from Cyprus Securities and Exchange Commission (CySEC), Financial Conduct Authority (FCA) and Australian Securities and Investments Commission (ASIC) across regions. |
Pick Binance P2P if, pick eToro if
Pick Binance P2P if taker fee, coins listed, and fiat deposit methods matter most.
Pick eToro if cost and trust matter most.
Feature by feature
| Fiat deposit methods | Binance P2P | eToro |
|---|---|---|
| Card | Yes | Yes |
| Bank | Yes | Yes |
| SEPA | Yes | No |
| ACH | Yes | No |
How they place
| Ranking | Binance P2P | eToro |
|---|---|---|
| Crypto exchanges | 13 of 297 | 1 of 297 |
Every fact side by side
| Fact | Binance P2P | eToro |
|---|---|---|
| Features | Not confirmed | Multi currency, Crypto, Travel |
| Founded | 2017 | Not confirmed |
| Support channels | Chat, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Binance P2P | eToro | Median |
|---|---|---|---|
| Taker fee | 0.1%below the median | 1%highest quarter | 0.15% |
| Coins listed | 490highest quarter | 150above the median | 76 |
| Maker fee | 0.1%at the median | 1%highest quarter | 0.1% |
Median across 219 listed providers.
Pros and cons
Binance P2P
Pros
- The feature facilitates direct trades between users.
- Advertisements identify seller-set amounts, prices and conditions.
Cons
- Products or services may not be available in every region; offer terms vary by seller.
eToro
Pros
- Card upkeep with monthly fee at €0 and Visa acceptance for everyday spending.
- Currency conversion at 0% with balances across 4 for travel use.
- Cashback at 4% on debit spending with functions covering multi currency, crypto and travel.
Cons
- Trading taker fee is 1%, above the site median of 0.25% for frequent traders.
- Broker withdrawals carry a charge of $5, which adds cost for moving funds off the platform.
Who each suits
Binance P2P
Who it suits
- Users reviewing peer-to-peer digital-asset offers and local availability.
eToro
Who it suits
- Travellers choosing eToro over bunq for conversion at 0% rather than 0.5% to 3%.
- Cash users choosing eToro over Kraken for ATM allowance of €2,500 to €12,000 rather than €0.
Who should look elsewhere
- Traders focused on low dealing costs rather than card perks, who may prefer Kraken given eToro taker fee of 1%.
- Euro spenders wanting a different card fee mix, who may prefer Bit2Me given its conversion at 0.95%.
Questions about each
Binance P2P
Which cryptocurrencies can users trade on Binance?+
Users can trade hundreds of cryptocurrencies through Binance, using spot markets as well as margin, futures and option products. Well-known digital currencies such as Bitcoin, Ethereum and XRP are included in that range, so people can work with the assets they already follow.
What is the Security of User Assets Fund?+
The Security of User Assets Fund, known as SAFU, came into being in 2018 to protect user funds in rare emergencies. Binance treats security as its priority, and the fund is one part of how the exchange looks after the money of its customers.
eToro
Does the eToro card charge a monthly fee?+
The card account lists a monthly fee of €0, so there is no fixed upkeep for holding the card. Day to day spending, travel use and multi currency balances sit under that structure, while brokerage trading and withdrawals follow separate charges.
What is the currency conversion fee for card use?+
Card currency conversion is listed at 0%, which keeps cross border purchases and travel spending clear of added conversion charges. Balances across 4 help manage spending abroad, while brokerage activity remains subject to its own trading terms.