eToro is
opening its Platinum+ membership tier to subscribers for $14.99 a month or
$149.99 a year, removing a $50,000 account-balance requirement that previously
gated the broker’s higher-end perks.

The
Nasdaq-listed firm announced the upgraded plan today (Tuesday), building on a
cheaper Platinum subscription it introduced last year.

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The plan
will roll out first in the United Kingdom and the European Union, with other
regions to follow, and includes a seven-day free trial. It extends a Platinum-tier subscription eToro
introduced in November at $4.99 a month, which first opened the broker’s loyalty
benefits to users sitting below its balance thresholds.

From Balance-Gated VIP to
Pay-to-Access Perks

Top
benefits of Platinum+ include a Black Visa debit card paying 4% back in stocks
on everyday purchases, a dedicated account manager, a 40% discount on currency
conversion fees, 3.55% interest on cash balances, and an 85% revenue share on
eligible crypto staking, according to the firm.

Subscribers
also get unlimited access to Tori, eToro’s AI investing companion, which
incorporates real-time market sentiment from X via Grok 4.2, plus a
complimentary digital subscription to The Wall Street Journal.

Existing
Platinum subscribers can upgrade immediately, with the remaining balance
prorated, eToro said.

“The
upgraded plan allows even more investors to access enhanced rewards,
professional tools and premium experiences regardless of the balance in their
trading account,” Etay Cohen, eToro’s Chief Customer Officer, said in a
statement.

Robinhood’s Subscription
Playbook Goes Mainstream

eToro is
leaning on a model that Robinhood has spent years building out. Robinhood Gold,
priced at $5 a month, ended the third quarter with 3.9 million subscribers and roughly
$88 million in subscription-related revenue for the period, double the year-earlier
figure, according to the US broker’s November earnings release.

Robinhood
has steadily widened its premium-tier ecosystem with a Gold credit card paying
up to 3% cashback, a 4% APY savings product launched in 2025, and a discounted mortgage benefit through
a partnership with Sage Home Loans introduced later that year.

Trading 212
and Revolut have moved in similar directions in Europe, layering
interest-bearing accounts and tiered card products onto their core trading
apps.

A Public Company in Search
of Steadier Cash Flow

The push
has particular urgency at eToro, which completed its Nasdaq IPO in May 2025 at a valuation of about $4.8
billion.

Since
listing, the firm has rolled out new products at a fast clip, including
AI-built Alpha portfolios, a stock-lending
program for European clients, and a 1% crypto-to-stock cashback program
aimed at addressing its heavy revenue concentration in digital assets, which
accounted for 91% of second-quarter revenue.

Subscription
income is, in principle, less correlated with the next crypto cycle. eToro has
not disclosed how many users signed up for the November Platinum plan, the
figure that will determine whether Platinum+ moves the needle on earnings or
simply repackages the existing rewards program for a paying audience.

This article was written by Damian Chmiel at www.financemagnates.com.

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