Robert J. Williams
Reviewed by:
Sikirty Chatterjee
USP: Regulated by CySEC | Over 1 M tradable instruments | Web-& mobile-first platforms
Earn is a Cyprus-based multi-asset broker founded in 2011 (operated by Top Markets Solutions Ltd) with its headquarters in Nicosia, Cyprus. Over the past decade it has built a position as a regulated European broker offering a broad range of investable instruments and trading technology. The firm emphasises transparency, wide market access and modern execution.
📅 Founded: 2011
📜 Regulation: CySEC (Cyprus) licence no. 158/11
🏦 Supported Countries: Operates in EEA states under MiFID (except Belgium)
💻 Platforms: Web & mobile proprietary (Earn.Broker) + MetaTrader 5
💵 Min Deposit: €100 (for brokerage offering)
Earn is the brand name of Top Markets Solutions Ltd, which was established in 2011 and secured its CySEC licence in that year. The company highlights over 13 years of experience in the financial markets, servicing clients with access to major US, European and Asian exchanges. It offers a wide catalogue of trading and investment instruments — reportedly over 1 000 000 items across stocks, bonds, futures, ETFs, CFDs and options. Over time the firm has expanded from standard brokerage to direct market access, portfolio management and mobile-first investing. The mission is to make financial markets more accessible and understandable by combining technology, transparent costs and regulatory compliance.
Earn stands out by offering both investment assets (stocks, bonds, options) and CFD trading, whereas many brokers focus purely on one side.
It offers a relatively low entry point (€100) for brokerage accounts vs many peers requiring higher minimums.
The regulatory oversight (CySEC) is strong for European clients, but some global brokers are regulated in multiple jurisdictions (Tier-1) which may offer broader protections.
The proprietary platform (Earn.Broker) and web-first design differentiate it from brokers that rely solely on third-party platforms.
Earn is regulated by a Tier-2 regulator (CySEC) under the MiFID framework, which is considered a solid regulatory regime within the EU. It implies that client monies are segregated, investor compensation schemes apply, and transparent disclosures are mandated. While not a Tier-1 regulator (e.g., FCA UK, ASIC Australia), CySEC regulation still provides meaningful protections for retail clients in Europe.
CySEC (Cyprus) – Licence No. 158/11
Client Fund Protection: Client funds are held in segregated accounts separate from company operating funds, with European and Swiss banking partners used for custodianship.
Compensation Schemes: Earn participates in the Investor Compensation Fund (ICF) under CySEC rules, so eligible clients may receive compensation if the firm fails and funds are unavailable.
Negative Balance Protection: For retail clients the policy provides negative balance protection, meaning losses cannot exceed the account balance in normal circumstances.
Data Security & Encryption: The website states use of advanced data protection, client verification (KYC/AML), and secure protocols in line with EU regulations (GDPR etc.).
Regulatory Transparency & Reporting: The firm discloses regulatory status, financial report adherence and licensing information, supporting client trust.
✅ Instruments: Stocks, Bonds, ETFs, Options, Futures, CFDs (Forex, Indices, Commodities, Crypto)
✅ Spreads: From 0.0 pips (Raw account for CFD trading) — stated under “Raw floating spreads from 0.0 pips”.
✅ Commission: Example commission for investment accounts: e.g., €2 + €0.08 per share for US stocks (Standard plan)
✅ Leverage: Up to 1:30 for CFDs under EU regulations (retail clients)
Instruments: Earn offers a wide spectrum — retail clients can trade CFDs on currencies, indices, commodities, stocks, ETFs and crypto. Additionally, the investment account side offers direct stocks, bonds, funds and options access.
Spreads: “Raw floating spreads from 0.0 pips” indicate that for certain account types or instruments the broker allows very tight bid-ask spreads, which is beneficial for active traders. However actual spreads may vary based on instrument and liquidity.
Commission: For equity investment accounts the cost structure is transparent: e.g., Standard plan costs €2 + €0.08 per share for US stocks (minimum €5 per trade) under the brokerage service offering. For the CFD side, commission details are less clearly stated on the publicly accessible pages, so clients should check terms.
Leverage: The broker mentions leverage up to 1:30 for CFDs which aligns with EU retail limits (ESMA). This means while higher leverage is technically possible, retail traders in the EU will be capped.
✔ Earn.Broker (Proprietary web & mobile platform) — A custom platform designed by the broker, accessible via browser and apps.
✔ MetaTrader 5 (MT5) — A widely-used third-party trading platform supported for CFDs in Earn’s offering.
✔ Web Terminal (Browser-based version of Earn.Broker) — No download required; allows trading via browser and mobile.
Advanced order types & asset coverage: Earn.Broker supports a wide range of instruments (stocks, bonds, options, ETFs, futures) and offers order types such as limit, stop and others useful for both investment and trading.
IPO access & portfolio management features: The platform provides access to IPOs and supports strategies like long-term investing, margin lending and participation in corporate actions.
Mobile trading & account management: Web and mobile apps (iOS/Android) allow users to open, fund, trade and manage their accounts from multiple devices seamlessly.
Real-time data & analytics: The platform gives up-to-date account information, market data, charts and analytics tools integrated within the interface.
The broker offers integrated tools / third-party integrations such as the “Acuity & SignalCentre” for market analysis, trade ideas, news sentiment and economic calendar.
Built-in calculators (swap, pip, margin, profit, currency) help traders assess costs and risks before entering trades.
| Account Types | Min Deposit | Spread | Commission | Platforms |
|---|---|---|---|---|
| Trading / CFD Account* | €100 | From 0.0 pips (raw) | Varies (not fully listed) | MT5, Earn.Broker |
| Investment Standard | €1,000 | (Equity spread only) | €2 + €0.08/share (US) | Earn.Broker |
| Investment Silver | €10,000 | — | €2 + €0.06/share | Earn.Broker |
| Investment Gold | €50,000 | — | €2 + €0.05/share | Earn.Broker |
| Investment Platinum | €100,000 | — | €2 + €0.04/share | Earn.Broker / DAS Trader |
*For CFD/trading accounts precise commission/spread tables not fully detailed on public site.
Demo Account: A “Start Demo” option is offered for new users to test platform and markets without risk.
Islamic (Swap-Free) Accounts: Not explicitly mentioned in the publicly available pages — clients should enquire directly.
VIP / Premium Accounts: Higher-tier investment plans (Silver, Gold, Platinum) with lower per-share commissions and higher minimum deposits.
Managed Accounts: Some portfolio management / investment account features and margin lending are highlighted, but formal “managed account” service details are limited publicly.
Bank transfer (EUR/USD) via European bank accounts — 2-3 business days processing for EU bank accounts.
Card payment (credit/debit) — instantaneous processing but a 2.5 % acquirer commission applies.
Bank transfer — standard method for withdrawal; a fixed commission (EUR 10/USD 10) applies depending on base currency.
Processing Time: Bank transfer 2-3 business days (for EU bank accounts).
Deposit Fees: Yes — Card deposits incur 2.5 % acquirer commission. Bank transfer may incur intermediary fees.
Withdrawal Fees: Yes — Fixed EUR 10/USD 10 commission for withdrawal via bank. Intermediary bank fees borne by recipient. Minimum/Maximum Limits: Not fully detailed in public summary; minimum for brokerage deposit is around €100.
Visit Earn official website (earn.eu) and click “Open an Account”.
Register by filling in your personal details (name, email, country, etc.).
Verify your email and phone number as prompted.
Upload KYC documents — photo ID and proof of address.
Fund your account via your preferred deposit method (card or bank transfer).
Log in to your chosen trading platform (Earn.Broker web/mobile or MT5).
Choose your trading instrument (e.g., forex pair, stock, ETF, CFD).
Analyse the chart and apply indicators/tools from platform or research section.
Place your trade (Buy/Sell), set Stop-Loss (SL) and Take-Profit (TP) as needed.
Monitor your trade and close it manually or allow automated exit per your settings.
The trading process with Earn is straightforward and accessible for both beginners and experienced traders. The onboarding is digital, the platforms are web- and mobile-friendly, and the step-by-step flow from account registration to executing a trade is clearly laid out. For users new to trading, the demo account option helps to practise before real funds are deployed.
Email: support@earn.eu
Phone: +357 22 314160 (Customer Support)
Complaints: complaints@earn.eu
Monday–Friday, 09:00–17:30 (Cyprus Time) for head-office.
Multilingual support available (serving clients across multiple EEA jurisdictions) though exact languages not fully listed.
Dedicated account manager may be available for higher-tier investment clients (implied via premium account tiers).
Response time or satisfaction metrics are not clearly published; however the broker states “professional support ready to help at any time 24/5” in marketing copy.
“Ideal for European-based traders and investors seeking regulated access to a broad range of assets, with modern platforms and competitive pricing.”
– You reside outside the EEA or in a region where Earn does not provide services (e.g., USA).
– You are looking for ultra-high leverage beyond EU retail limits (1:30) or extremely niche institutional tools not provided in standard account tiers.
– You prioritise fixed spreads (Earn uses floating spreads) or want very low capital entry in certain account types beyond the €100 minimum.
Earn offers a strong value proposition in the European brokerage space: regulated by CySEC, a very wide range of instruments, modern platforms and a transparent cost structure for investment accounts. It is well suited for those looking for regulated access across equities, options, ETFs, and CFDs without switching brokers. While not every single institutional feature may be present, for most retail and semi-professional users within the EEA it represents a solid option. I recommend it for eligible users who match the ideal profile and check the detailed terms/fees for their jurisdiction before proceeding.
2025 BROKERINSPECT
Disclaimer: Trading forex, CFDs, cryptocurrencies, and other derivatives involves substantial risk and is not suitable for all investors. Leverage can amplify both gains and losses. Market volatility, system failures, and third-party service risks can result in significant financial loss. Past performance does not guarantee future results. This content is for informational purposes only and does not constitute investment advice. Seek professional guidance before making any financial decisions. For a full overview of associated risks and our disclaimers, click here.
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