Social trading platform offering crypto alongside stocks and commodities. Popular in Europe.
KYC verification: 1-2 days
Available in: UK, DE, FR, IT, ES, AU, NL
Australian users wanting to fund from a bank and keep everything in one investing app
The crypto trading cost model (1% buy + 1% sell) is meaningfully higher than exchange order books
Primary Osko/PayID
If you fund through an AUD cash account, real-time payments can be close to instant. Direct bank transfers to the investing account can take 4 to 7 business days depending on the route and bank checks.
⚠ Transfers get delayed when the payment reference or transaction ID is missing
⚠ First transfers to a new payee can be held by Australian banks for fraud checks
eToro AUS Capital Limited is regulated by ASIC under Australian Financial Services Licence 491139.
Last verified: 2026-01-26 · View source
Trading Fees
Crypto trades incur a 1% fee when you buy and 1% when you sell, plus the market spread
Deposit Fees
Currency conversion costs may apply when funding or withdrawing in a non-USD base currency
Why is my bank transfer deposit taking days on eToro?
eToro states that bank transfer deposits can take 4 to 7 business days to process. If you need speed, use a real-time method where available and always include the exact reference shown in the deposit flow.
What is the fastest way to fund eToro from an Australian bank?
If your setup includes real-time local transfers to a cash account, those are usually the fastest. Otherwise, card deposits can be quick but may carry different risk checks.
Why did eToro ask for a payment reference or transaction ID?
eToro uses references to match inbound payments to your account. A missing reference is a common cause of delays. Re-check the deposit instructions and resend only after confirming the exact reference format.
Why did my bank hold the transfer to eToro?
Australian banks often hold first payments to a new payee for fraud checks. Add eToro as a beneficiary first, complete any bank security prompts, and send a small test amount before sending size.
US users wanting bank-funded Bitcoin or Ether exposure through a simple investing app
Token choice is limited in the US and bank transfer processing takes 4-7 days
Primary ACH Transfer
Standard bank transfer deposits can take 4 to 7 business days to process. ACH and wires depend on bank cutoffs and verification, and first-time deposits may trigger extra checks.
⚠ US crypto token availability is restricted compared with other regions, which affects what users can buy after funding
⚠ Deposits are delayed when the bank transfer reference is missing or when the deposit is sent from a bank account name that does not match the verified eToro profile
eToro USA LLC is a FinCEN-registered MSB (NMLS 1769299). eToro USA Securities Inc. is SEC-registered and a FINRA member.
Last verified: 2026-01-26 · View source
Trading Fees
Crypto trades incur a 1% fee when you buy and 1% when you sell, plus the market spread
Deposit Fees
In the US, token choice is limited after a settlement with the SEC
Why can I only see a small set of cryptoassets on eToro in the US?
eToro's US crypto offering was reduced after a settlement with the SEC, which limited what US customers can trade. If you need a wide altcoin list, this is a hard limitation.
How long do bank transfer deposits take on eToro in the US?
eToro states bank transfer deposits can take 4 to 7 business days to process because the account is credited once the transfer is confirmed by its bank.
Why is my deposit stuck even though my bank shows sent?
The usual causes are a missing reference, a beneficiary detail mismatch, or extra review on the receiving side. Confirm the transfer includes the exact reference from the deposit instructions.
Why did my bank reject the transfer to eToro?
Banks can block or hold first-time transfers to financial platforms. Add the beneficiary in advance, answer any bank fraud prompts, and retry with a small test amount.
UK users wanting fast GBP funding through Faster Payments with FCA-regulated security
The 1% buy + 1% sell crypto pricing is meaningfully higher than exchange order books
Primary Faster Payments
GBP cash account transfers through Faster Payments are often near-instant. Bank transfers to the investing balance can take longer depending on routing and bank checks.
⚠ First payments to a new payee can be held by UK bank fraud systems until the user approves the payment in their banking app
⚠ Transfers can fail or delay when the payer name differs from the verified eToro profile name, or when the reference is missing
eToro (UK) Ltd is authorised and regulated by the Financial Conduct Authority (FCA), FRN 583263.
Last verified: 2026-01-26 · View source
Trading Fees
Crypto trades incur a 1% fee when you buy and 1% when you sell, plus the market spread
Deposit Fees
Faster Payments deposits are typically free
How fast is Faster Payments funding when using a GBP cash account?
eToro's help guidance for local currency accounts indicates Faster Payments can be very fast.
Why did my bank hold the transfer to eToro?
UK banks commonly hold first payments to a new beneficiary. Approve the payment in your bank app, then retry with a small test transfer if needed.
Why is eToro asking for a reference on my bank transfer?
The reference is used to match your inbound transfer to your account. Missing references are a common reason for delays. Re-check the deposit instructions and resend only after confirming the exact reference.
Why can't I use PayPal in the UK on eToro?
eToro's partner payment guidance states PayPal is not available in the UK. Use bank transfer or card instead.
eToro is not available in Canada
eToro does not accept customers domiciled in Canada under the published blocked-country terms. Canadian residents should use a locally available exchange for CAD funding.
German users wanting efficient EUR funding through SEPA with EU regulatory oversight
The 1% buy + 1% sell crypto pricing is meaningfully higher than exchange order books
Primary SEPA Instant
SEPA Instant, when supported, can credit in seconds. Standard SEPA transfers usually take 0 to 1 business day, but first-time beneficiaries can be held longer by bank checks.
⚠ SEPA delays often come from missing references or sending to outdated beneficiary details
⚠ Some German banks apply extra verification when the payee is a financial platform
eToro (Europe) Ltd is authorised by CySEC (licence 109/10) and holds a MiCA license for crypto services across the EEA.
Last verified: 2026-01-26 · View source
Trading Fees
Crypto trades incur a 1% fee when you buy and 1% when you sell, plus the market spread
Deposit Fees
Currency conversion costs may apply if the investing balance is USD
What is the fastest way to fund eToro from a German bank?
SEPA Instant is usually the fastest if your bank supports it. Otherwise, standard SEPA is reliable.
Why is my SEPA transfer delayed even though SEPA is usually quick?
Delays usually come from missing references, incorrect beneficiary details, or first-time payee checks by your bank. Re-check the deposit screen and resend only after confirming the reference.
Why did my transfer get rejected?
A sender name mismatch (bank account holder name vs verified eToro profile) is a common cause. Confirm your eToro verification matches the bank account holder name exactly.
Why does eToro show a different credited amount than what I sent?
If any conversion occurs (for example EUR to USD) the rate can be applied when eToro receives the deposit, and intermediary banks can also deduct fees on some routes.
French users wanting SEPA funding with AMF-regulated cryptoasset service provider status
The 1% buy + 1% sell crypto pricing is meaningfully higher than exchange order books
Primary SEPA Instant
SEPA Instant can credit in seconds when supported. Standard SEPA typically credits within 0 to 1 business day, but new beneficiaries and bank compliance checks can extend timelines.
⚠ French banks can hold first transfers to a new payee for verification
⚠ SEPA transfers can be delayed by missing or incorrect references
eToro (Europe) Ltd is authorised by CySEC (licence 109/10) and holds a MiCA license for crypto services across the EEA.
Last verified: 2026-01-26 · View source
Trading Fees
Crypto trades incur a 1% fee when you buy and 1% when you sell, plus the market spread
Deposit Fees
Conversion plus round-trip crypto fee can be a bigger cost than users expect
What is the fastest bank method for French users?
SEPA Instant is usually the fastest if your bank supports it. Otherwise standard SEPA is reliable.
Why is my first SEPA transfer to eToro taking longer than expected?
Banks often hold first-time payments to a new beneficiary for fraud checks. Approve any prompts in your banking app and start with a small test transfer.
Why is eToro asking for a reference on SEPA deposits?
The reference is used to match deposits to your account. Missing references can delay crediting. Copy the reference from the deposit instructions exactly.
Why did my transfer get rejected even though the IBAN is correct?
Name mismatch between your bank account holder name and verified eToro profile name is a common cause. Confirm your verification details match your bank exactly.
Italian users wanting SEPA funding for casual crypto exposure through an all-in-one investing app
The 1% buy + 1% sell crypto pricing is meaningfully higher than exchange order books
Primary SEPA Instant
SEPA Instant can credit in seconds when supported by your bank. Standard SEPA is often 0 to 1 business day, but first-time beneficiary checks can cause delays.
⚠ Italian banks can pause first transfers to new beneficiaries for extra checks
⚠ SEPA deposits delay when the reference is missing or when beneficiary details were copied from an old deposit instruction set
eToro (Europe) Ltd is authorised by CySEC (licence 109/10) and holds a MiCA license for crypto services across the EEA.
Last verified: 2026-01-26 · View source
Trading Fees
Crypto trades incur a 1% fee when you buy and 1% when you sell, plus the market spread
Deposit Fees
Crypto transfer fees apply if moving coins to eToro Money wallet
Is SEPA Instant supported for fast funding from Italy?
If your bank supports SEPA Instant, it can credit quickly. If not, standard SEPA usually works.
Why is my SEPA deposit not credited yet?
The most common reasons are missing references or bank compliance holds on first-time payees. Confirm your reference matches the deposit screen exactly.
Why did my bank hold the first payment to eToro?
Banks often hold first transfers to new beneficiaries. Complete any bank security prompts, then retry with a small test transfer.
Why do I see a higher trading cost once my EUR arrives?
eToro charges 1% on buys and 1% on sells for crypto positions, plus spread. That is separate from deposit method costs.
Spanish users wanting efficient SEPA funding with EU regulatory oversight
The 1% buy + 1% sell crypto pricing is meaningfully higher than exchange order books
Primary SEPA Instant
SEPA Instant can credit in seconds when supported. Standard SEPA usually credits within 0 to 1 business day, but first-time beneficiary checks can add delays.
⚠ SEPA transfers are delayed when the deposit reference is missing or incorrect
⚠ Spanish banks can require extra confirmation for first-time payments to financial platforms
eToro (Europe) Ltd is authorised by CySEC (licence 109/10) and holds a MiCA license for crypto services across the EEA.
Last verified: 2026-01-26 · View source
Trading Fees
Crypto trades incur a 1% fee when you buy and 1% when you sell, plus the market spread
Deposit Fees
SEPA funding is typically free; trading cost is the main expense
What is the fastest way to fund eToro from a Spanish bank?
SEPA Instant is usually fastest if your bank supports it, otherwise standard SEPA works.
Why is my SEPA deposit delayed?
SEPA delays are usually caused by missing references, incorrect beneficiary details, or first-time payee checks by your bank. Confirm the reference from the deposit instructions.
Why did my bank ask me to confirm the payment?
Banks often require extra confirmation for first payments to new beneficiaries. Approve the payment in your banking app and retry with a small test amount if needed.
Why did my deposit get rejected?
A mismatch between your bank account holder name and verified eToro profile name can cause a reject or manual review. Confirm your verification details match your bank account.
Dutch users who want crypto alongside stocks and ETFs in a multi-asset portfolio
The 1% buy + 1% sell crypto pricing is meaningfully higher than exchange order books
Primary Ideal
iDEAL deposits are instant. SEPA Instant can credit in seconds when supported. Standard SEPA usually credits within 0 to 1 business day.
⚠ iDEAL payments can fail if you exceed your daily limit in the banking app
⚠ SEPA transfers are delayed when the deposit reference is missing or incorrect
eToro (Europe) Ltd is authorised by CySEC (licence 109/10) and holds a MiCA license for crypto services across the EEA
Last verified: 2026-01-28 · View source
Trading Fees
Crypto trades incur a 1% fee when you buy and 1% when you sell, plus the market spread
Deposit Fees
iDEAL and SEPA funding are typically free; trading cost is the main expense
What is the fastest way to fund eToro from a Dutch bank?
iDEAL is the fastest option for instant EUR deposits. All major Dutch banks support iDEAL.
Why did my iDEAL payment fail?
iDEAL payments count toward your daily transfer limit. Check your remaining limit in your banking app and try again with a smaller amount if needed.
Why is my SEPA deposit delayed?
SEPA delays are usually caused by missing references, incorrect beneficiary details, or first-time payee checks by your bank. Confirm the reference from the deposit instructions.
Why did my bank ask me to confirm the payment?
Banks often require extra confirmation for first payments to new beneficiaries. Approve the payment in your banking app and retry with a small test amount if needed.
eToro supports faster-payments, sepa, sepa-instant, osko, bank-transfer for deposits.
eToro typically completes KYC verification in 1-2 days.
eToro is available in UK, DE, FR, IT, ES, AU, NL.