We put in about 90 days using TFinance with a funded account, and here's what we found. Getting going takes minutes, your funds stay protected, and everyday users won't feel lost. The one catch is a couple of fees that run a little high.
Best for: Everyday investors who want to trade from their phone and are comfortable starting with $0.
Not for: People who trade a lot of foreign currencies, as a general app won't match a dedicated service in that one area.
TFinance is among the rare trading apps that put its money into being reliable — like keeping your money safe and being honest about costs — instead of hype. Based on our months of testing, we give it a score of A-.
The only thing holding it back is the price of some extras that run a bit high. These aren't deep problems — they're easy to change — the app itself is solid.
Making a trade is easy. Across our test trades, orders went through smoothly and the price you saw was the price you got, sometimes even a little better than other apps.
If you stick to regular stocks, it is smooth. More advanced trades occasionally lagged a bit — but most people won't notice.
Buying and selling stocks is free — nothing per trade. That's a big plus.
Where it costs a bit more are things like sending money out by bank transfer, which could be lower. None of it is hidden, so nothing sneaks up on you.
The app is really well made. It's fast, tidy, and easy to find your way around, even if you've never invested before.
There's handy info inside the app — prices, news, and simple charts — so you can trust it. The website is fine as well, but the app is better.
This is where the platform earns trust. Your money is held in a separate account, for your protection.
It's licensed and overseen by regulators and is reviewed by outside experts. If you buy crypto too, it's kept with a trusted, licensed partner — normal for the industry, but good to know.
Overall, we're happy to give TFinance a score of A- for everyday investors. It gets the basics right: easy to use, safe, and honest about costs.
For a perfect score, TFinance would only need to lower a few charges. We'll revisit this every so often.
For the most part, yes. Your money is kept in a separate account, which protects you if anything goes wrong. Regulators and independent auditors also keep watch.
You can open a standard account, plus tax-friendly retirement accounts. It only takes a few minutes, with a short wait for certain types.
For regular stocks, yes. If you trade fancy options, you may notice small delays. Heavy currency traders might prefer a specialist app.
Absolutely. Moving your account in is supported, and TFinance often refunds the exit fee your old app charges up to a limit. It usually takes a few business days.
Definitely. TFinance has a full phone app. It's designed for mobile first — charts, trades, and your account all fit nicely on a phone screen.
You only need $0. There's no big upfront amount. Signing up is free.
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