eToro Club Tiers Explained: Requirements and Benefits from Silver to Diamond

Updated 1 October 2026 · Reviewed by the Ecoinomy editorial team · Facts checked against official sources linked below.

Ecoinomy earns affiliate commissions from some of the brokers we cover, including eToro. The links on this page go to eToro’s own Club, fees and staking pages for reference, and no commercial arrangement changes the thresholds, fees or benefits we report. How we review: our sources, MiCA checks and corrections policy.

eToro tiers are the five eToro Club levels, set by your tier balance as of September 2026: Silver ($5,000), Gold ($10,000), Platinum ($25,000), Platinum+ ($50,000) and Diamond ($250,000). Accounts under $5,000 are Bronze (non-Club). Membership is free and automatic, and UK and EU users can also subscribe to Platinum or Platinum+.

This article is part of our extensive eToro review. We explain how the eToro Club tiers work today, what each level actually unlocks, how the tier balance is calculated, where benefits differ by country, and how to decide whether chasing a higher tier makes sense for you.

Key Takeaways

• eToro Club thresholds as of September 2026 are $5,000 (Silver), $10,000 (Gold), $25,000 (Platinum), $50,000 (Platinum+) and $250,000 (Diamond).
• The tier balance counts cash plus the amount invested, not unrealised profit, and excludes leveraged CFDs (and crypto for UK residents).
• eToro Platinum removes the $5 USD withdrawal fee and cuts the manual crypto fee from 1% to 0.95%; Diamond starts at 0.85%.
• Staking reward share rises by tier, from 45% for Bronze to 75% for Platinum and 90% for Diamond.
• Since November 2025 (Platinum) and 28 April 2026 (Platinum+), UK and EU users can buy tier status by subscription, with Platinum+ priced at $14.99 per month.
• Higher tiers do not unlock extra assets, more copy trading or higher leverage; ESMA and FCA rules cap retail CFD leverage at 30:1 to 2:1.

What Are the eToro Club Tiers and Their Requirements?

The eToro Club tiers requirements are five tier-balance thresholds, from $5,000 for Silver to $250,000 for Diamond, with Bronze covering everyone below $5,000. Benefits are cumulative, so each tier keeps everything from the tier below it.

The thresholds come from the official eToro Club page and the staking shares from eToro’s staking page (both checked September 2026).

Club Tier	Tier Balance Required	Staking Reward Share	Key Benefits
Bronze (non-Club)	Under $5,000	45%	Standard platform access, live chat support, CopyTrader, demo account
Silver	$5,000	55%	Dedicated account manager, Club dashboard, market webinars, hand-picked partner apps, Delta PRO
Gold	$10,000	65%	All Silver benefits, WhatsApp channel with your account manager, weekly expert market analysis, interest on cash balance
Platinum	$25,000 (or subscription)	75%	All Gold benefits, no withdrawal fees, discounted exchange fees, reduced crypto trading fees, premium digital publication, Delta PRO+
Platinum+	$50,000 (or subscription)	85%	All Platinum benefits, further fee discounts, higher interest on cash, premium publications (e.g. WSJ), eToro Money Black card (UK/EU), sporting and cultural events
Diamond	$250,000	90%	All Platinum+ benefits, lowest crypto fees, exemption from exchange fees, invitations to Diamond events and galas

Sources: eToro Club page, eToro Help Center and eToro staking page (checked September 2026). eToro says offers vary by country and can change at any time, so always confirm in your own Club dashboard.

How Does eToro Club Membership Work?

eToro Club membership is automatic: eToro checks every user’s tier balance daily and upgrades qualifying accounts, usually within 24 hours. UK and EU users can alternatively pay a subscription for Platinum or Platinum+ status.

Your tier is shown under your username in the app and on desktop, and it is private: other users cannot see it. There are now two routes into the higher tiers:

• By balance – free and automatic once your tier balance reaches $5,000 (Silver) or more.
• By subscription – an optional paid plan that gives Platinum or Platinum+ status regardless of balance. eToro launched the Platinum subscription in November 2025 and added Platinum+ on 28 April 2026, priced at $14.99 per month or $149.99 per year with a 7-day free trial. The Club page advertises plans “from $4.99 per month” (Platinum). The subscription launched in the UK and EU first, with other regions to follow.

If you subscribe and later qualify for Platinum or higher by balance, eToro cancels the subscription and refunds the unused part pro rata. If you cancel, you keep the benefits until the end of the billing period and then drop back to the tier your balance supports.

How the tier balance is calculated

The tier balance is not the same as your portfolio value. According to the eToro Help Center, it is:

• Available cash in your eToro investment account
• plus the total amount invested (what you paid for open positions, not their current value)
• minus excluded products (leveraged CFD positions, and crypto positions for UK residents)
• plus cash in your eToro Money account
• plus certain linked balances in some countries (for example a Moneyfarm ISA in the UK or a Spaceship balance in Australia)

Unrealised profit and loss is ignored, so members are not bounced between tiers every time markets move. A position bought for $8,000 that has grown to $12,000 still counts as $8,000 until you realise the gain.

What happens if your balance drops

You will not lose your tier the day your balance dips. eToro gives Diamond and Platinum+ members a courtesy period of up to a year, and Silver, Gold and Platinum members a six-month grace period, before the downgrade applies. After a downgrade, any subscriptions or offers tied to the higher tier are lost.

To get started on eToro and understand its tier system, begin with the basics: our eToro Demo Account Review explains how starting with a demo account can lay the foundation before you commit real money and work your way through the different eToro tiers.

What Does Each eToro Club Tier Offer?

Each eToro Club tier adds service and fee perks on top of the one below: Silver adds an account manager, Gold adds WhatsApp support and interest on cash, Platinum adds fee cuts, and Diamond adds the lowest fees. The eToro Help Center lists the tier benefits in full.

Bronze (non-Club)

Every funded eToro user below $5,000 is Bronze. You get the full trading platform, including stocks, ETFs, crypto, CopyTrader and Smart Portfolios. Bronze is not a restricted account: tradable assets and copy trading are the same for everyone. What you miss are the service and fee perks, and you receive the lowest staking share (45% of network rewards on eligible coins). Access to Tori, eToro’s AI assistant, is limited for non-subscribers.

Silver ($5,000)

Silver is the entry level of the Club. eToro lists a dedicated account manager, access to in-depth market webinars and hand-picked partner apps. Silver and Gold members also get Delta PRO, the upgraded version of eToro’s Delta portfolio tracker. Staking share rises to 55%. UK residents at Silver and above are eligible for the eToro Money Visa debit card.

Gold ($10,000)

Gold adds a WhatsApp channel with your account manager during business hours, eToro’s weekly expert market analysis and eligibility for interest on your uninvested USD cash in regions where the higher rates are not already available to everyone. Staking share rises to 65%. Crypto trading fees are still the standard 1% rate at Gold.

What Are the eToro Platinum and Platinum+ Benefits?

eToro Platinum benefits start at a $25,000 tier balance (or a subscription) and include no withdrawal fees, crypto fees from 0.95%, discounted currency conversion and a 75% staking share. Platinum+ at $50,000 adds an 85% staking share, crypto fees from 0.90% and premium publications.

Platinum ($25,000 or subscription)

• No withdrawal fees – eToro normally charges $5 to withdraw from a USD account to an external account.
• Lower crypto fees – Bronze, Silver and Gold pay a flat 1% per manual crypto position; Platinum starts at 0.95% and falls with monthly volume.
• Discounted currency conversion – eToro’s subscription page lists a 40% discount on exchange fees for both Platinum and Platinum+ subscribers.
• 75% staking share, a complimentary premium digital publication, trading signals and research tools, and Delta PRO+.

Platinum+ ($50,000 or subscription)

Platinum+ adds higher interest on cash, an 85% staking share, lower crypto fees again (from 0.90%), free subscriptions to leading financial publications (eToro names The Wall Street Journal and The Economist), invitations to sporting and cultural events and, for UK and EU residents, the eToro Money Black programme with the black Visa debit card.

What Is the eToro Diamond Club?

The eToro Diamond Club is the highest eToro Club tier, reserved for members with a tier balance of $250,000 or more. Diamond cannot be bought by subscription.

On top of everything in Platinum+, eToro lists an exemption from exchange (currency conversion) fees, the lowest crypto fee schedule (from 0.85%, down to 0.10% at very high volume), a 90% staking share, and invitations to eToro’s Diamond events and galas. Diamond and Platinum+ members also get the longest downgrade protection, a courtesy period of up to one year.

How Do eToro Fees and Rewards Change by Tier?

eToro tier fees differ in four published places as of September 2026: the manual crypto fee (1% down to 0.85%), the staking share (45% to 90%), the $5 USD withdrawal fee (waived from Platinum) and the eToro Money crypto sell fee (1% down to 0.6%).

We only list figures we could confirm on eToro’s official fees page and staking page.

Benefit	Bronze / Silver / Gold	Platinum	Platinum+	Diamond
Crypto fee per manual position (monthly volume under $10K)	1.00%	0.95%	0.90%	0.85%
Crypto fee at $1M-$10M monthly volume	1.00%	0.70%	0.50%	0.30%
Staking reward share	45% / 55% / 65%	75%	85%	90%
Withdrawal fee (USD account)	$5	Free	Free	Free
Fee to sell crypto in the eToro Money wallet	1% (Silver) / 0.8% (Gold)	0.8%	0.6%	0.6%

The reduced crypto fee applies only to manual crypto trades; crypto held through CopyTrader, Smart Portfolios or CFDs is excluded. Copied crypto therefore pays the standard 1% when a position is opened and again when it is closed. Our eToro fees guide lists every charge by Club tier, and our eToro crypto guide covers buying, holding and transferring crypto on eToro. Staking rewards do not apply to crypto held via CopyTrader or Smart Portfolios either, so readers of our crypto copy trading guide should not count on the staking perk.

Interest on cash

Interest on uninvested USD cash is paid monthly and is linked to your balance and Club tier. Rates are set by eToro, differ by region and change with market rates, so we do not reproduce a rate table here. As of September 2026, eToro’s interest page shows a flat rate for all eligible users in the EU, UK and Singapore, with a higher rate from $50,000; in other regions the rate steps up with the balance, starting from $10,000. You need to switch interest on in the Club dashboard.

Card stock-back promotion (ended)

eToro’s UK and EU eToro Money card stock-back promotion, which paid Platinum members 3% (capped at $25 a month) and Platinum+ and Diamond members 4%, ran under its promotional terms from 1 February to 30 September 2026. It is not a current Club benefit; check the eToro Money app for any replacement offer, and compare alternatives in our best crypto cards guide.

How Do eToro Club Benefits Differ by Country?

eToro Club benefits depend on country of residence: UK residents cannot count crypto toward their tier balance, US residents cannot count eToro Options assets, and the paid subscription launched only in the UK and EU.

• UK – crypto positions are excluded from the tier balance, which makes it harder for crypto-heavy investors to reach higher tiers. A Moneyfarm ISA balance counts towards it. The green eToro Visa debit card is available from Silver; the Black programme from Platinum+.
• EU – the eToro Money Black programme and black card are available from Platinum+. Interest on cash is paid at a flat rate to eligible users regardless of tier, with a higher rate from $50,000.
• US – thresholds are the same ($5,000 to $250,000), but some eToro Money features are not available, and cash or assets on the eToro Options platform do not count toward your tier balance. eToro’s staking reward tables note that the Bronze staking rate does not apply to US members.
• Australia – a Spaceship balance can count toward the tier balance.
• Subscriptions – the paid Platinum and Platinum+ plans launched in the UK and EU; availability elsewhere may lag. The Club page shows USD pricing internationally and GBP pricing (from £4.99 per month) in the UK.

Does a Higher eToro Tier Give You More Leverage?

No. Higher eToro Club tiers do not unlock higher leverage, because retail CFD leverage in the UK and EU is capped by regulators at between 30:1 and 2:1 whatever your tier.

The caps below follow the ESMA CFD restrictions agreed on 23 March 2018; the FCA applies the same caps in its own UK rules. Many of these assets are traded as CFDs on eToro. If you want to trade falling markets, see our guide to short selling crypto first.

Asset Class	Maximum Leverage	Traded as CFD*
Major Currency Pairs	Up to 30:1	Yes
Non-Major Currency Pairs, Gold, Major Indices	Up to 20:1	Yes
Commodities other than Gold, Non-Major Equity Indices	Up to 10:1	Yes
Individual Equities and Other Reference Values	Up to 5:1	Yes
Cryptocurrencies	Up to 2:1	Yes

Crypto CFDs are not available to retail clients regulated by the FCA in the UK. Also remember that leveraged CFD positions are excluded from the tier balance, so trading with leverage does not help you move up the Club.

*CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 51% 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.

Is the eToro Club the Same as the Popular Investor Program?

No. The eToro Club rewards the money you hold on eToro, while the Popular Investor Program (now marketed as the Pro Investor Program) pays traders whose portfolios other users copy.

Only program members can be copied, and eToro pays them up to 1.5% a year of their assets under copy at the higher levels. To apply you need, among other criteria, at least $2,000 in equity, two months of trading history, a real name and photo on your profile, and a maximum daily risk score of 7. Being a Popular Investor does not, by itself, raise your Club tier; your tier still follows your tier balance.

eToro also offers Islamic accounts designed to comply with Sharia principles, which sit alongside the Club system rather than replacing it.

It is also essential to understand the safety aspects of trading on eToro. Learn more about how eToro protects its users in our detailed analysis of Is eToro Safe?

Which eToro Club Tier Fits You?

The right eToro Club tier is the one your normal investing already reaches: Bronze for testing, Silver or Gold for portfolios of $5,000 to $25,000, Platinum tiers for frequent converters and crypto traders, and Diamond only above $250,000.

Bronze

• New to eToro or testing the platform with small amounts
• Mostly buying and holding stocks, ETFs or crypto
• Copying one or two Popular Investors with the $200 minimum

Silver and Gold

• Building a diversified portfolio of $5,000 to $25,000
• Value a named account manager and market webinars
• Hold stakeable crypto such as ETH, SOL or ADA directly and want a bigger staking share

Platinum and Platinum+

• Deposit and withdraw regularly, or convert between EUR/GBP and USD (fee savings add up)
• Trade crypto manually and would benefit from lower per-position fees
• Would use the premium research, trading signals and publication subscriptions

Diamond

• Hold $250,000 or more on eToro
• Trade high crypto volumes or convert large amounts of currency
• Want the most personal service and event access

Whatever your tier, the Club does not change your strategy. Our overview of crypto trading strategies covers how to plan trades independently of platform perks.

Is the eToro Club Subscription Worth It?

The eToro Club subscription is worth it mainly for UK and EU users below $25,000 who regularly withdraw from a USD account, convert currency, trade crypto manually or stake crypto directly. Work through these steps before paying:

1. Count your withdrawals. Skipping the $5 USD withdrawal fee only matters if you withdraw regularly from a USD account.
2. Estimate your currency conversions. A 40% discount on conversion fees can outweigh the subscription cost for someone depositing EUR or GBP monthly.
3. Check your directly staked crypto. Moving from a 45% or 55% share to 75% or 85% can be meaningful on a larger stakeable position.
4. List the extras you would really use. Research tools and publications only have value if you read them.
5. Compare the annual cost. Platinum+ costs $149.99 a year; add up the savings from steps 1 to 4 and subscribe only if they are clearly higher.

Never deposit more than you are comfortable investing just to reach a tier. The perks are modest compared with the risk of over-allocating to markets.

Key eToro Club Terms

Tier balance

Cash plus the amount invested plus eligible linked balances, minus excluded products such as leveraged CFDs; unrealised profit and loss is ignored.

Bronze

eToro’s label for users with a tier balance below $5,000, who are not Club members.

Club subscription

A paid monthly or yearly plan, launched in the UK and EU, that grants Platinum or Platinum+ status regardless of balance.

Grace period

The time eToro keeps your tier after your balance falls: six months for Silver to Platinum, up to one year for Platinum+ and Diamond.

Staking reward share

The percentage of network staking rewards eToro passes on to you, from 45% (Bronze) to 90% (Diamond).

What Should You Consider Before Moving Up an eToro Tier?

Before moving more money onto eToro to reach a higher tier, check three things: whether the capital fits your plan, whether your trading activity uses the fee discounts, and whether the benefits are offered in your country.

Deposit Amount

• How much capital can you commit without needing it back soon?
• Does reaching the next tier align with your plan, or would you be stretching?

Trading Activity

• Will you be an active manual trader or a passive copy investor?
• Do you trade crypto manually often enough for the fee discounts to matter?

Investing Approach

• Would a dedicated account manager genuinely help you?
• Are the staking, interest and card rewards available in your country?

Are eToro Club Tiers Worth Chasing?

eToro Club tiers are worth reaching naturally but rarely worth chasing, because they change service, fees and rewards rather than the assets or tools you can use.

There are five membership levels from Silver to Diamond, plus Bronze for everyone else, and all users get the same assets and the same copy trading tools. What changes as you move up is an account manager from Silver, WhatsApp support from Gold, free withdrawals and cheaper crypto from Platinum, and the richest perks at Platinum+ and Diamond. The subscription route means UK and EU users can buy Platinum or Platinum+ benefits, which is worth comparing with your actual fee and staking usage. Always check the live tier table in your own Club dashboard, as eToro changes offers by country and over time.

Which eToro Club Tier Is Best for Which Investor?

Pick the tier your normal balance already reaches, then check that the benefit you actually want is published for your country. Each label below is tied to a figure from eToro’s own Club, fees or staking pages, checked in September 2026.

Best for testing the platform: Bronze (under $5,000). Full platform, CopyTrader from a $200 minimum, and the same tradable assets as every other tier. You give up the service perks and take the lowest staking share, 45% of network rewards.

Best for stakers with a mid-sized portfolio: Gold ($10,000). The staking share rises from 45% to 65%, plus interest on your cash balance and a WhatsApp channel to your account manager. On stakeable holdings this is the biggest single jump in the ladder per dollar deposited.

Best for frequent withdrawers and currency converters: Platinum ($25,000, or the paid subscription in the UK and EU). The $5 USD withdrawal fee is waived and the manual crypto fee drops from 1.00% to 0.95%, so the saving tracks how often you move money rather than how much you hold.

Best for active manual crypto traders: Platinum+ ($50,000). The staking share reaches 85%, the eToro Money crypto sell fee falls to 0.6%, and at $1m to $10m monthly volume the per-position crypto fee is 0.50% against 1.00% at Bronze.

Best for large balances only: Diamond ($250,000). The lowest published fees, a 90% staking share and 0.30% crypto at $1m to $10m monthly volume. Below six figures the extra capital required is worth more than the fee savings.

Who Should Skip the eToro Club?

The Club is not a good fit in four situations. If you are crypto-heavy and resident in the UK, crypto positions do not count toward your tier balance at all, so the ladder is far more expensive to climb. If you invest mainly through CopyTrader or Smart Portfolios, the headline perks largely miss you: the reduced crypto fee applies only to manual crypto positions, and staking rewards do not apply to crypto held via CopyTrader or Smart Portfolios either. If you are a US member, some eToro Money features are unavailable, eToro Options assets do not count toward your tier balance, and eToro’s staking tables note that the Bronze staking rate does not apply to US members. And if you would need to move money you may want back soon just to cross a threshold, the tier is the wrong reason to do it.

Also treat the paid route with care. The Platinum and Platinum+ subscriptions launched in the UK and EU only, and they buy the benefits rather than the tier balance, so they pay off only if your real withdrawal, conversion and manual-crypto activity already exceeds the subscription cost.

Is eToro Authorised to Offer These Services in the EU?

Checked on 1 October 2026 against the ESMA interim MiCA register (crypto-asset service provider file, last updated 16 September 2026): eToro is authorised as eToro (Europe) Ltd by the Cyprus Securities and Exchange Commission (CySEC), register entry dated 16 January 2025, LEI 213800GIFQMSV7HROS23. The entry covers seven of the ten MiCA crypto-asset services — custody, exchange of crypto-assets for funds, order execution, reception and transmission of orders, advice, portfolio management and transfers — and is passported into all 30 EEA states, the widest coverage of any crypto platform in the register.

Checked on 1 October 2026: the Club tiers themselves are a loyalty programme, not an authorised service, so the tier benefits can change by country and over time regardless of the licence. Staking, interest on cash and the eToro Money card are the benefits most often restricted locally — confirm each one in your own Club dashboard before you deposit to reach a tier.

Frequently Asked Questions

What are the eToro tiers?

As of September 2026, eToro Club has five tiers based on tier balance: Silver ($5,000), Gold ($10,000), Platinum ($25,000), Platinum+ ($50,000) and Diamond ($250,000). Accounts below $5,000 are Bronze, the non-Club level. Membership is free and automatic, and higher tiers add an account manager, lower crypto and conversion fees, a larger staking share and premium extras.

eToro Club tiers requirements: how much do you need for each tier?

The eToro Club tiers requirements are tier-balance thresholds: $5,000 for Silver, $10,000 for Gold, $25,000 for Platinum, $50,000 for Platinum+ and $250,000 for Diamond (as of September 2026). Tier balance is cash plus the amount invested, excluding leveraged CFDs and, for UK residents, crypto. UK and EU users can also reach Platinum or Platinum+ through a paid subscription.

What are the eToro Platinum benefits?

eToro Platinum ($25,000 tier balance or subscription) adds no withdrawal fees (instead of $5 per USD withdrawal), crypto fees from 0.95% instead of 1%, a 40% discount on currency conversion fees for subscribers, a 75% staking reward share, a premium digital publication, research tools and Delta PRO+. Platinum+ ($50,000) raises staking to 85% and crypto fees start at 0.90%.

What is the eToro Diamond Club?

The eToro Diamond Club is the top eToro Club tier, reached with a $250,000 tier balance. As of September 2026, Diamond members get every Platinum+ benefit plus an exemption from currency exchange fees, the lowest crypto fees (0.85%, down to 0.10% at very high volume), a 90% staking share and invitations to Diamond events. Diamond cannot be bought by subscription.

How much does the eToro Club subscription cost?

eToro advertises its Club subscription from $4.99 per month (from £4.99 in the UK) for Platinum. Platinum+ launched on 28 April 2026 at $14.99 per month or $149.99 per year, with a 7-day free trial. The subscription launched in the UK and EU first, and prices and availability vary by country, so check eToro’s subscription page before signing up.

Does eToro count unrealised profits toward my Club tier?

No. eToro calculates the tier balance on realised equity, so unrealised gains and losses on open positions are ignored. A position bought for $8,000 that is now worth $12,000 still counts as $8,000 until you close it. eToro checks the balance daily and usually upgrades members within 24 hours of reaching a new threshold.

Do higher eToro tiers give access to more assets or more copy trading?

No. Every eToro user, including Bronze members, can trade the same assets and copy up to 100 traders with CopyTrader from a $200 minimum. eToro Club tiers change service levels, fees and rewards, not the investment universe. Reduced crypto fees and staking rewards also do not apply to crypto held through CopyTrader or Smart Portfolios.

What happens if my eToro balance falls below my tier?

eToro does not downgrade you immediately. Silver, Gold and Platinum members get a six-month grace period, and Platinum+ and Diamond members a courtesy period of up to one year, before moving to the tier their balance supports. After a downgrade, subscriptions or offers tied to the higher tier are lost. Paid subscribers keep benefits until their billing period ends.

How we researched this: We checked every threshold, fee and benefit on this page against eToro’s own Club page, Help Center, fees page, staking page, interest page and press releases, plus ESMA’s CFD rules, on 30 September 2026. We excluded figures we could not confirm on an official source, and we flag benefits such as the card stock-back promotion once they end.

Return to the main eToro reviews page.

*eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.