Fortuneo Review 2026
According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details
- $1
- Proprietary platform
- Up to 1:5
- Free investment guide is provided
Our Evaluation of Fortuneo
According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details
Fortuneo is a broker with higher-than-average risk and the TU Overall Score of 3.72 out of 10. Having reviewed trading opportunities offered by the company and reviews posted by Fortuneo clients on our website, Traders Union expert Anton Kharitonov recommends users to consider a more reliable broker with better conditions, as, according to reviews, many clients of this broker are not satisfied with the company’s work.
Fortuneo is suitable for experienced traders and investors looking to shift their focus to Europe, provided they have a sufficient command of French, which effectively limits participation to residents of France, Belgium, Switzerland, and Luxembourg, as well as other Francophiles living elsewhere.
How we tested Fortuneo
Traders Union has analyzed financial markets for over 14 years, evaluating brokers based on 250+ transparent criteria, including security, regulation, and trading conditions. Our expert team of over 50 professionals regularly updates a Watch List of 500+ brokers to provide users with data-driven insights. While our research is based on objective data, we recommend that users perform independent due diligence and consult official regulatory sources before making any financial decisions.
Learn more about our methodology and editorial policies.
Brief Look at Fortuneo
Fortuneo Broker (pronounced “For-tu-neo Broker”) was established in 2000 as a subsidiary of Crédit Mutuel Arkéa, a major French bank. It also provides brokerage services to traders. The primary focus in the financial markets includes stocks, bonds, and fund investments. A significant advantage for clients is the opportunity to receive a 100% reimbursement of expenses associated with transferring assets to Fortuneo from another broker. The bank equally caters to both individual clients (traders, investors) and corporate clients (various funds, and companies).
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- The trading platform is fully adapted for online trading, with all features accessible from both PCs and mobile devices.
- The bank fully compensates all client expenses for transferring assets from another company to any account type at Fortuneo within four weeks of applying.
- The broker is transparent in its operations and is monitored by multiple European regulators.
- The broker caters to traders who are proficient in French.
- The company's website lacks comprehensive educational resources.
- Trading is limited to the stock exchange (without access to the Forex market).
- Online chat support is not available.
- Trading can only be conducted through a browser. There are no desktop trading platforms.
TU Expert Verdict
Chief Analytics Officer
Fortuneo provides access to trading stocks, bonds, trackers, SICAV, FCPs, and derivatives through its proprietary browser-based platform, with account types including Standard securities, PEA, and PEA-PME. Regulated by the French Prudential Supervision and Resolution Authority, Fortuneo operates as a subsidiary of a major French bank and adheres to unified European Union standards, holding client funds in segregated accounts. There is no minimum deposit requirement, and account maintenance is free, while clients benefit from commission reimbursement for asset transfers. Technical analysis tools and free investment guides are available, and all trading features are accessible via PCs and mobile devices.
A few disadvantages are the website and client support are provided exclusively in French, restricting ease of use for non-French speakers, and trading is limited to stock exchange instruments only, with no Forex access or desktop platform. Online chat support is absent, and educational resources are minimal. Fortuneo may be suitable for French-speaking traders and investors seeking cost-effective access to European securities, but it is less appropriate for those seeking broader markets, more platform flexibility, or comprehensive support.
Fortuneo Summary
| 💻 Trading platform: | Fortuneo’s proprietary trading platform |
|---|---|
| 📊 Accounts: | Standard securities, investment PEA and PEA-PME |
| 💰 Account currency: | EUR |
| 💵 Deposit / Withdrawal: | Visa, Mastercard, and Gold CB Mastercard |
| 🚀 Minimum deposit: | €0 |
| ⚖️ Leverage: | Up to 1:5 |
| 💼 Copy Trading: | Yes |
| 📈️ Min Order: | No |
| 💱 EUR/USD spread: | Not available due to peculiarities of trading on the stock exchange |
| 🔧 Instruments: | Shares, trackers, treasury securities, SICAV, FCPs, and derivatives |
| 💹 Margin Call / Stop Out: | No |
| 🏛 Liquidity provider: | No |
| 📱 Mobile trading: | Yes |
| ➕ Affiliate program: | Yes |
| 📋 Order execution: | No |
| ⭐ Trading features: | Free investment guide is provided |
| 🎁 Contests and bonuses: | Welcome bonuses from €50 to €130 for opening a bank account; rebates from TU |
To trade on the stock exchange with Fortuneo, you need to open a securities account with the broker. There are no requirements for a minimum initial deposit, and no maintenance fees are charged. All operations are conducted through the browser on a PC or mobile device, without the need to install desktop software. Each client can have an unlimited number of accounts, but it is not possible to transfer securities from a standard exchange account to PEA or PEA-PME accounts.
Fortuneo Key Parameters Evaluation
Trading Account Opening
Before starting to work in the financial market with the Fortuneo broker, go through the following steps:
On the company's homepage, select the "Stock Exchange" section and click on the "Open an Account" button.
Choose the type of account (for trading, PEA, PEA PME). Fill out the registration form, and provide your name, surname, date of birth, country of residence, address, and phone number. You will also need to provide financial information about your annual income and its sources. Then, authorize a review in the "Client Access" section and undergo verification.
Features of the Fortuneo user account:
Your Fortuneo user account also provides access to:
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Connection to a section with expert consultations for choosing a suitable trading strategy.
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Display of bond interest rate indicators.
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Track data on commodity quotes.
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View the account balance, transaction history, and information on portfolios of acquired securities.
Is Fortuneo Safe?
Fortuneo operates within the territories of European countries under the unified broker law, Sapin II. The protection of clients' data is based on the European Union Regulation (2016/679).
The company has obtained a license from the French Prudential Supervision and Resolution Authority (ACPR) for providing investment services. As an insurance broker, its activities are regulated by ORIAS — the Association for the Certification of Insurance, Banking, and Finance Intermediaries.
Advantages
- Transparency of the bank's operations under the unified regulatory framework of the European Union
- Client funds are held in segregated bank accounts
Disadvantages
- The broker is under the jurisdiction of France, which makes it nearly impossible for traders from other countries to submit complaints
- To trade on the exchange, you must first open a bank account
- Verification of personal and payment data is a mandatory procedure
Commissions and Fees
To identify all fee account types at Fortuneo, TU’s analysts carefully examined the broker's trading conditions. The company offers three account types for its clients: standard (for trading securities), and investment accounts such as PEA, and PEA-PME. The size of the broker's fee depends on the selected tariff plan. Fortuneo does not charge non-trading fees to its clients. Accordingly, deposits and withdrawals are free of charge. The broker does not have a spread since it does not operate in the foreign exchange market.
| Account type | Spread (minimum value) | Withdrawal commission |
|---|---|---|
| Standard securities account | From €3.9 to €20 or from 0.1% to 0.2% of the transaction volume, depending on the selected tariff and the number of performed transactions | No |
| PEA | From €0 to €9.5 per transaction depending on tariff and number of orders | No |
| PEA-PME | From €0 to €9.5 per transaction depending on the tariff and number of orders | No |
Swaps for carrying over existing positions to the next day are not applied. Additionally, specialists at TU conducted an analysis and comparison of trading fees between Fortuneo and other brokers. The results of the analysis can be found in the table below.
| Broker | Average commission | Level |
|---|---|---|
|
$7.22 | |
|
$2.99 | |
|
$1.1 |
Account Types
Fortuneo offers three types of accounts, two of which are investment accounts and one for trading.
Account types:
There are no educational opportunities for working with financial instruments of the stock market in demo mode.
The broker is well-suited for experienced traders engaged in intraday trading and for transferring assets to Europe for investment in local businesses.
Deposit and Withdrawal
A client can submit a withdrawal request from Monday to Friday, between 8:00 and 19:00 (Paris time).
Withdrawal methods are limited, and funds can only be withdrawn to Visa, Mastercard, and Gold CB Mastercard bank cards.
To protect the client's card from online fraud, the Secure Internet Payment technology is applied, and a virtual card linked to the real one is created for each transaction.
Withdrawals are processed only in EUR.
The bank does not charge a commission for transferring funds to cards.
Investment Options
Fortuneo offers investors a choice of over 9,000 funds, with 700 of them having zero entry thresholds. The available investment programs include PEA and PEA-PME accounts.
PEA and PEA-PME are accounts for investment from Fortuneo Banque
PEA and PEA-PME accounts are designed for investing in securities of small and medium-sized European companies. The main goal of such offerings is to stimulate the development of these enterprises within the European Union. Features of this investment type include:
Investor is free from paying taxes on net profit after 5 years of participation in the selected fund.
Free access to analytics and technical analysis tools, with company experts assisting in developing an investment strategy.
Accounts are available only for tax residents of France (unlike regular trading accounts, which can be opened by citizens of any country). The range of instruments is limited to shares of small companies.
The term of investment programs is at least 5 years, with annual profits not exceeding €225,000.
Fortuneo Banque is primarily focused on investors residing in France. Many of the offered long-term investment programs allow French citizens to benefit from tax advantages.
If you are a large investor and plan on investments over $10,000, contact us at vip-invest@tradersunion.com or by the feedback form on our website. Our professional team will take you through all the intricacies of the deal and all the steps from signing up to withdrawal of profits.
Fortuneo partnership program:
“Affiliate” is an online partnership program where Fortuneo rewards for traffic acquisition (pay-per-click), lead generation (payment per form), and the sale of banking or brokerage services.
“Sponsorship” partners receive €50 or €110 for each newly attracted client, depending on the type of service chosen by the referee. Rewards are available up to 10 times a year.
Fortuneo offers partner programs through Public Idées, a partner company of Crédit Mutuel Arkéa. Website owners, bloggers, and publishers receive a full range of solutions (Coregistration, Retargeting, White Label, and adFactory) with commissions for clicks, acquiring new clients, and selling marketing tools.
Customer Support
Client support specialists process inquiries and respond to client questions from Monday to Friday, from 8:00 to 19:00.
Advantages
- Complaints can be submitted through a special section (available 24/7).
Disadvantages
- Support is not available on weekends.
- There is no online chat on the website.
- The communication language is exclusively French.
Clients can contact support specialists through the following methods:
By phone.
Writing to the company's email.
Using a special feedback form in a dedicated section of the website.
Contact with client support can be made through the mentioned methods from the user account.
Contacts
| Foundation date | 2000 |
|---|---|
| Registration address | 380 Rue Antoine de St Exupéry, 29490 Guipavas, France |
| Regulation | ACPR, l’ORIAS |
| Official site | https://www.fortuneo.fr/ |
| Contacts |
Education
Fortuneo does not offer comprehensive training. The company’s clients have access only to a limited number of paid online webinars. The basics of trading securities can be found in the "Stock Market Guide" section. All information is presented in French.
Demo accounts are not available. Consultations on the prospects of specific investments from experts can be obtained, but this option becomes available only during actual trading.
Detailed review of Fortuneo
Fortuneo Banque is a major international bank targeting French-fluent clients from France and European Union countries. Brokerage services are a key focus for the company, with a primary emphasis on investments for preferential tax treatment (through investments in securities of small and medium-sized enterprises) and active trading in the stock market. Fortuneo aims to retain its client base by offering advantageous trading conditions. The broker's fees decrease with an increase in the actual volume and number of transactions during the accounting period.
Fortuneo by the numbers:
Broker has over 800,000 clients from France, Belgium, Switzerland, and Luxembourg.
Total bank assets exceed 27 billion EUR.
Broker has over 35 international awards.
Fortuneo is a unique broker that provides investment solutions with the opportunity to benefit from tax advantages
Trading with Fortuneo is suitable for experienced active traders, as the website does not offer beginner-level training. However, the platform provides both fundamental and technical analyses, along with tools for forecasting investment potential in preferred directions. Fortuneo allows users to choose a tariff plan according to their trading strategy (which also determines the broker's commission). The tariff can be selected for both a regular securities account and for both investment account types. Experienced traders can optimize their costs independently, and with a high frequency of transactions, the commission is minimized to 0.1% of the total transaction amount. Within the same profile of activity, different tariffs can be used to gain additional benefits from reducing expenses.
New and existing clients can benefit from partner and bonus programs. Compensation for the transfer of assets to Fortuneo from other companies is also available.
Fortuneo’s analytical services:
News section with a map of major global stock exchanges. News is categorized as politics and economics, with a focus on events in European countries and key events globally.
Quotes for popular securities, categorized based on the type of the instrument.
Analytical reviews of global financial markets.
Filters for selecting investment instruments based on specified criteria.
The "Taxation" section includes a table of changes in the tax rate depending on the investment period for PEA and PEA-PME fund investors.
Advantages:
Broker offers the opportunity to reduce commission fees with an increase in transaction frequency.
The company’s activity is monitored by several European regulators.
Investment programs provide tax benefits for French citizens.
Compensation is available for the transfer of funds from another broker or bank.
The website is intuitive and well-structured.
The full mobile platform version is available and offers the same functionality as the desktop version.
For active traders, there are no restrictions on tactics in the stock market, but for short-term trading, the broker offers more favorable conditions (minimizing commission fees).
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