Advertising message for promotional purposes. To view all the terms and conditions for the advertised services, please refer to the information sheet and required under current regulations. All services require the client to open a Fineco current account.

Instant transfer the service provides for a fee equal to 0.20% of the amount transferred (min 0.85 € - max 2.95 €) The limit of daily amount accumulated for each customer of instantaneous outgoing transfers is equal to 5,000 €.
It is possible to have the service only to participating banks (consult the www.ebaclearing.eu/services/instant-payments/participants/ list).

MoneyMap is an additional service for Fineco current accounts. To view all the terms and conditions for the advertised services, please refer to the information sheets, the Rules governing the MoneyMap service and the documentation required under current regulations. All services require the client to open a Fineco current account.

Apple Pay can be used only on Fineco Cards registered to current account holders, excluding cards registered to third parties (Link card and reloadable card for third parties) and V PAY cards. It is necessary to have an enabled Apple device to use Apple Pay. For more information, visit the dedicated page on the Apple website.
Apple Pay works with iPhone 6 or later models in stores and apps and on websites; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 or later models in apps and on websites; in Safari on Mac using an iPhone 6 or later model or an Apple Watch enabled per Apple Pay. Apple Pay can be used on the Visa Mastercard circuits. Before paying, it is necessary to add the cards to the Wallet as specified on the dedicated Apple website.
Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac and Safari are trademarks of Apple Inc., registered in the USA and in other countries. iPad Pro is a registered trademark of Apple Inc.

97% Satisfied customers. Source of data: KANTAR TNS - March 2019

** Source of data: Consolidated First Half Financial Report as at June 30, 2019

Google Pay™ is compatible with all Android smartphones, starting with version 5.0 (Lollipop) or later. To pay in stores, the smartphone must be equipped with NFC technology. You can also use Google Pay on smartwatches with Google Wear compatible OS. Your card information is not stored on the device or transmitted during payment. It is important to know that by activating Google Pay, as per the Google policy, you consent to making the data on transactions made with your payment card through Google Pay available to Google itself. For the conditions and purposes of data use please consult the Google Payments Terms of service and Privacy Policy and the Terms and Conditions of the service provided by FinecoBank upon activation of the service. Google Pay can only be used on Fineco Cards in the name of current account holders, excluding cards in the name of third parties and V PAY cards. To use Google Pay you need an Android device with NFC technology. For further information, please consult Google Support

Multicurrency: is the integrated service in the account in order to diversify liquidity and investments and operate in other global currencies. The activation of the service is free. Instead, a spread is applied to the individual exchange rate, as indicated in the information sheets.

Renminbi that customers hold, trade or use for payments outside of mainland China are considered offshore Renminbi (CNH). ISO code CNY must be used in customers’ payment orders, transaction statements and account information. Please note that “CNH” is not registered as a code with the International Organization for Standardization (ISO). Therefore, it’s not used in payment services or for account information.
Check the fact sheets to see spreads applied to the exchange rate (Currency Exchange)

Maxi Withdrawals: activation of the Maxi Withdrawals on the Fineco cards with the BANCOMAT® circuit is valid until midnight of the following day. It is possible to withdraw up to a maximum of 3,000 euro per single use and 6,000 euro every 30 days. Multiple transactions may also be required to withdraw the amount selected. Available at all UniCredit branches in Italy.

Maxi Purchase: The function allows you to make purchases for up to € 5,000 with the Fineco Visa Debit EUR card. The service must first be activated and is available until midnight of the same day.

Smart Withdrawal: Withdraw at UniCredit ATMs without any card. Just need your smartphone. You can activate the Smart Withdrawal on only one device at a time.

Contracts For Difference (CFD) trading is available to clients following the assessment of their knowledge of derivative instruments and the subscription of the Derivative Trading Contract.
CFDs (Contracts for Differences): a CFD is a financial derivative, which you can buy or sell with FinecoBank as your direct counterparty. Its value is directly related to that of an underlying asset (securities, indices, currencies, futures on bonds, futures on volatility indicators and futures on commodities) and consequently follows the price movement in the underlying asset. In particular, in CFD trading your profit/loss is given by the difference in value between the opening price and the subsequent closing price of the contract. The opening price and the closing price are determined by the Bank applying, if appropriate, a mark-up or a spread on the underlying price to the extent indicated by the economic conditions at the time. CFDs are characterized by a strong leverage effect. This means that a relatively small price movement in the underlying market will have a proportionally higher impact on the value of your margined position and an unfavourable price movement may result in losses exceeding your initial margin deposit (increasing underlying price for short positions, decreasing for long positions). CFD Positions open for more than a working day (overnight) are subject to a multi-day position fee.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 73.93% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.Before trading in CFDs, please read carefully the Key Information Documents (KIDs) available on the website: finecobank.com.Leverages offered are differentiated according to the type of underlying and customer classification: up to 28.57 times for retail customers and up to 100 times for professional customers.For the economic conditions, features, nature and risks of the products, reference must be made to the contract supplements (delete links to contract supplements) concerning the services for receiving and transmitting orders and for executing orders on behalf of customers also by negotiating derivative financial instruments, as well as to the relevant Product Sheets and Operating Rules, available on the website finecobank.com