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eToro review

Updated September 29, 2026 · HodlCue Editorial Team · Facts checked September 28, 2026

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Our verdict

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.

Key facts

Best for
Travellers and crypto spenders wanting low card overheads
Monthly fee
€0↗
Currency conversion fee
0%↗
Free ATM withdrawals
€2,500 to €12,000↗
Card type
Debit↗
Cashback rate
4%↗
Card network
Visa↗
Currencies
4↗
Features
Multi-currency, Crypto, Travel
Official website
etoro.com

Crypto exchanges

Taker fee
1%↗
Coins listed
150↗
Regulators
Cyprus Securities and Exchange Commission (CySEC), Financial Conduct Authority (FCA), Australian Securities and Investments Commission (ASIC)↗
Fiat deposit methods
Card, Bank↗
Maker fee
1%↗
Withdrawal fee
$5↗
Derivatives
Yes↗
Exchange type
Cex↗

Facts checked September 28, 2026, 7 sources

Apps and profiles

Get the app
App Store
Elsewhere
Wikidata

Pros and cons

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.
eToro

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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%.

Trading and withdrawal fees

Monthly upkeep for the card account is listed at €0, so everyday spending carries no fixed card charge. Currency conversion on card use is listed at 0%, which helps travellers and cross border shoppers manage costs. Together these points keep routine card use simple while separate trading and withdrawal charges still apply to brokerage activity.

Safety and regulation

eToro holds licences including 109/10 and FRN 583263 plus 491139, alongside cover in Seychelles through SD076 and in Abu Dhabi through 220073, with MiCA authorisation shown by MiCA CASP 213800GIFQMSV7HROS23 for European crypto services. These permissions place the group under Cyprus Securities Exchange Commission, Financial Conduct Authority, Australian Securities and Investments Commission and related authorities for regional activity.

How eToro compares

Where eToro is available

Licence in Cyprus
Cyprus Securities and Exchange Commission (CySEC) (MiCA CASP 213800GIFQMSV7HROS23), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Licence in United States
SIPC (SIPC member 70212), checked September 26, 2026

Frequently asked questions

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.

How much can be withdrawn free from ATMs?+

The ATM allowance is listed as €2,500 to €12,000, which sets the range available for cash withdrawals. Cash needs beyond that allowance may follow separate limits or charges, so heavy cash users should check withdrawal terms before relying on ATMs abroad.

What type of card is it and does it offer cashback?+

The card is a debit on the Visa network, with features covering multi currency, crypto and travel. Cashback is listed at 4%, which rewards eligible card spending alongside crypto balances and travel use within the same account.

Is eToro regulated and who operates it?+

Regulatory cover includes licences such as 109/10 and FRN 583263, plus 491139. The legal entity is eToro (Europe) Ltd, based in Cyprus, for regional account coverage.

How can funds be added and what assets are available?+

Fiat funding supports card and bank, which covers card deposits and bank transfers for account top ups. Crypto choice extends to 150, while crypto trading carries a taker fee of 1%, so active traders should weigh dealing costs against card benefits.

Sources

Compiled from 7 source pages, checked September 28, 2026. We did not open an account.

Not confirmed yet: Protection.

eToro

eToro

Travellers and crypto spenders wanting low card overheads

9.6/10Visit