eToro Becoming a Financial Super App

eToro is trying to turn idle brokerage cash into everyday money movement, which makes the investing account more useful between trades and harder to leave. Once a user can hold local currency, move money through a wallet tab, spend with a debit card, and send rewards back into stocks, eToro starts looking less like a place to place trades and more like a primary financial app.

• The product is becoming concrete, not conceptual. eToro Money now includes local bank accounts in more countries, a debit card rollout across Europe, full integration into the main eToro app, and seamless crypto transfers. In 2025, eToro Money transaction volume grew 6.5x year over year and ended with 1.87 million accounts.
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• The revenue logic is simple. Brokerage users already keep cash on platform before investing or after selling. Banking features let eToro earn more from that same balance through payments, cards, FX, and interest, instead of only when the user trades. By Q4 2024, interest income was 20% of revenue and eToro Money was 10%.
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• The closest comparison is Revolut, which used cards, FX, payments, savings, and investing to become a broader consumer finance app. eToro is taking a narrower path. It starts from social investing and adds money movement around that core, while Robinhood is building a more US focused investing super app.
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The next step is deeper bundling. More local accounts, wider card coverage, recurring investing, AI portfolios, and rewards that flow directly into holdings can make eToro the default place where an international retail investor gets paid, parks cash, spends, and invests. If that happens, trading becomes the hook, but banking becomes the retention engine.