Fineco Bank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Fineco Bank suits readers who want a fee-free multi-currency card for travel and day to day spending. The monthly fee is £0, and the account runs on 20 currencies, though its free ATM allowance is £0.
Key facts
- Best for
- A multi-currency debit card with a £0 monthly fee and no charge for keeping the account open.
- Monthly fee
- £0↗
- Free ATM withdrawals
- £0↗
- Card type
- Debit↗
- Currencies
- 20↗
- Legal entity
- FinecoBank S.p.A.↗
- Headquarters
- Italy↗
- Founded
- 1999↗
- Support channels
- Email↗
- Features
- Multi-currency, Travel
- Official website
- finecobank.co.uk
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXTrustpilotfacebook.com
Pros and cons
Pros
- The monthly fee is £0, so keeping the account open costs nothing in recurring charges.
- The card is a debit card, so spending draws on the balance in the account rather than a separate card balance.
- Currencies covered run to 20, with multi-currency and travel listed among the account features.
- Support runs on email only, so written contact is the one channel the account offers.
Cons
- Free ATM withdrawals come to £0, against £200 on Monzo Flex and £250 on Wise.
- Support runs on email only, and 44.7% of the cards tracked here offer phone support.
- On free ATM withdrawals the account ranks 38 of 104, well down the field.
Who it suits
- Readers who spend across several currencies and want travel features on the account
- Anyone who wants a card with a £0 monthly fee
- Readers who are content to handle support over email
Who should look elsewhere
- Readers who take out cash often, who would do better on Monzo Flex or Wise with free ATM allowances of £200 and £250
- Readers who want phone or chat support, since contact runs on email only
Everyday use
The Fineco Bank card is a debit card, which means spending takes money straight from the balance held in the account. The account carries 20 currencies, and multi-currency and travel both appear among its features, so a trip that involves switching between currencies is the case the account is built for. There is no recurring charge to hold it, since the monthly fee is £0. The one everyday cost that stands out is cash. Free ATM withdrawals come to £0, so anyone who takes out regular supplies of notes pays on every withdrawal beyond that. Support runs on email only, which means a blocked card or a disputed payment is handled in writing rather than by a call.
How your money is protected
The money sits with a bank rather than with a crypto platform, and the card is a debit card drawn on that account balance. Because the balance is held at a bank, the treatment of it follows the rules that apply to bank deposits in the market where the account is held. Fineco Bank is supervised by the Bank of Italy and registered with Consob in Italy, so the account sits inside a regulated banking structure. What the balance is worth to you, in practice, is the part the reader has to weigh: there is no crypto price exposure to manage, and no separate crypto balance to hold.
How it compares on our data
On monthly fee the account ranks 1 of 379, which reflects a £0 charge. Free ATM withdrawals tell the other side of the story. The allowance is £0, and on that measure the account ranks 38 of 104. For scale, Monzo Flex offers £200 in free ATM withdrawals and Wise offers £250. The overall score for the account is 5.7, split into a cost part of 6 and an offer part of 5.3, so the low ranking comes from cash withdrawals rather than from the cost of holding the account.
Licences and registrations
Fineco Bank is supervised by the Bank of Italy in Italy, and it is also registered with Consob, the Italian securities regulator. The banking supervision is the part that matters most for a card, since the card is a debit card and the balance it draws on is a bank account balance. Consob registration covers the group's investment side rather than the everyday card spending. Both licences sit in Italy, which is consistent with the company being headquartered there and with the account running on email support.
The company behind it
The company is FinecoBank S.p.A., and it has been operating since 1999, which makes it one of the longer established operations in this part of the market. It is headquartered in Italy, IT, and holds its licences there. The customer-facing entity runs on email support, so written contact is the main route for account questions. The account itself is built around 20 currencies, with multi-currency and travel listed as features, which matches the group's Italian base and its cross-border focus.
How Fineco Bank compares
9.1 vs 9.4
9.1 vs 9.0
9.1 vs 8.2
9.1 vs 9.5
9.1 vs 9.6
9.1 vs 9.0
9.1 vs 9.1Bitpanda's card carries a monthly fee of €0, matching this account on cost, and it suits readers who want crypto on the same card as a multi-currency balance.
9.1 vs 8.9
9.1 vs 8.1
9.1 vs 8.2
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 8.9- 9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.3
Where Fineco Bank is available
- Available
- Italy
- Licence in Italy
- Bank of Italy, checked September 26, 2026
- Licence in Italy
- Consob, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Fineco Bank charge each month to hold the account?+
The monthly fee is £0, so there is no recurring charge for keeping the account open. On the cards tracked here, Fineco Bank ranks 1 of 379 on this measure, which puts it among the cheapest to hold. The cost of the account is not the same as the cost of using it, though, and cash withdrawals are where charges appear.
How many currencies can I hold on a Fineco Bank account?+
The account covers 20 currencies, and multi-currency is listed among its features. That makes it a natural fit for spending across several markets rather than holding a single currency balance. Travel is also listed as a feature, which points the same way.
Can I take out cash free with this card?+
Free ATM withdrawals come to £0. On free ATM withdrawals the account ranks 38 of 104, so cash is the weak point of an otherwise low-cost card. Readers who need regular cash should look at Monzo Flex or Wise instead.
Is the Fineco Bank card a debit card?+
The card type is debit, so spending comes directly from the balance in the account. There is no separate card balance to top up, and no credit line attached to the card. Debit cards are the most common card type here, at 74.7% of the cards in this category.
Who regulates Fineco Bank?+
Fineco Bank is supervised by the Bank of Italy, and it is registered with Consob, the Italian securities regulator. Both licences are held in Italy, which is where the company is headquartered. Banking supervision is the relevant one for a card, since the balance behind the card is a bank account balance.
How do I get help if something goes wrong with the card?+
Support runs on email only. That means a blocked card, a disputed payment or a question about the balance is handled in writing rather than by phone or chat. Readers who want a phone line on their card should compare the alternatives, since 44.7% of the cards tracked here offer phone support.
What kind of company is behind the card?+
The company is FinecoBank S.p.A., founded in 1999 and headquartered in Italy. It is a bank rather than a crypto platform, so the balance behind the debit card is a bank account balance. The group also carries securities registration through Consob for its investment side.
Is this a good card for travellers spending in several currencies?+
Travel and multi-currency are both listed among the account features, and the account covers 20 currencies. With a monthly fee of £0, the recurring cost of keeping it open is nil. The trade-off is that free ATM withdrawals are £0, so travellers who rely on cash machines pay.
Sources
- en.wikipedia.org/wiki/FinecoBank checked September 26, 2026
Backs: Founded, Headquarters
“Founded 1999 (as Fineco)”
- moneytothemasses.com checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Monthly fee
“UK ATM withdrawals and payments | FREE - Fineco current account”
- uk.finecobank.com checked September 26, 2026
Backs: Legal entity, Support channels, Licences
“FinecoBank S.p.A. - Registered Office Piazza Durante 11, Milan 20131”
- uk.stockbrokers.com/review/finecobank checked September 26, 2026
Backs: Currencies, Features
“real-time conversions on over 20 different currencies - Fineco multicurrency account”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Protection.
Fineco Bank
A multi-currency debit card with a £0 monthly fee and no charge for keeping the account open.