eToro Recurring Investments: Build Your Portfolio on Autopilot
eToro launched its recurring investments feature in May 2025, enhancing its long-term investing offering. This powerful automation tool transforms how everyday investors build wealth, removing the complexity of market timing while maintaining consistent portfolio growth. We tested this feature extensively and found it particularly effective for investors seeking a hands-off approach to dollar-cost averaging. New users can also take advantage of eToro's $500 welcome bonus to kickstart their recurring investment journey with extra capital.
What We Found: Key Benefits of eToro's Recurring Investment Feature
After analyzing eToro's recurring investments functionality, we identified several compelling advantages that set it apart from traditional manual investing approaches. The feature allows you to set a fixed amount of money to invest monthly in your favorite assets, with the flexibility to choose from thousands of stocks, ETFs, and crypto.
The automation aspect eliminates the psychological barriers that often prevent consistent investing. According to eToro's Retail Investor Beat survey of 10,000 retail investors across 12 countries, 45% use recurring investments to invest consistently with what they can afford, while 41% appreciate the time-saving benefits. Regular investors who maintain consistent portfolios can also qualify for eToro Club membership, unlocking additional benefits like reduced spreads and dedicated account management based on their equity levels.
How Dollar-Cost Averaging Works With eToro Recurring Investments
We examined the mathematical advantages of dollar-cost averaging through eToro's platform, and the results prove compelling for long-term investors. Historical data shows that dollar-cost averaging on the SPDR S&P 500 ETF performed 1.25x better than attempting to time market dips between 2007 and 2024.
The strategy becomes even more powerful with volatile assets. When applied to Bitcoin investments between 2017 and 2024, dollar-cost averaging demonstrated superior performance compared to perfect market-timing strategies. This approach helps investors avoid the common pitfall of emotional decision-making during market fluctuations.
Our analysis reveals that recurring investments work best when you maintain discipline regardless of market conditions. By investing the same amount each month, you automatically buy more shares when prices drop and fewer when prices rise, optimizing your average purchase price over time.
Setting Up Your Recurring Investment Plan: Step-by-Step Process
The minimum investment starts from $25 per transaction, with a maximum of $5,000 per transaction and $25,000 in total monthly transactions. This range accommodates both beginner investors starting their journey and experienced traders looking to automate substantial portfolio contributions. For those just getting started, combining the low minimum investment requirement with eToro's current $500 welcome bonus offer provides an excellent opportunity to begin building a diversified portfolio with minimal initial capital.
Fee Structure and Cost Advantages
We discovered significant cost benefits when using eToro's recurring investment feature. Stock, cryptoassets, or ETF positions opened through a recurring plan are exempt from commission fees. However, standard closing fees still apply when you sell positions. This fee structure makes recurring investments particularly attractive for long-term investors who prioritize accumulation over frequent trading.
The platform also offers reduced foreign exchange fees for recurring investments, further improving cost efficiency for international investors. When combined with eToro's recent introduction of GBP and EUR accounts, UK and European users can invest in local markets without unnecessary currency conversion costs. These savings compound over time, especially when paired with promotional offers like the eToro $500 welcome bonus, which can cover your first several months of recurring investments. As your portfolio grows through consistent investing, you may qualify for eToro Club tiers, which offer progressively better trading conditions including lower spreads and zero stock commission.
Available Assets and Geographic Restrictions
The recurring investment feature is available to eToro users in the UK, UAE, Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Norway, Poland, Portugal, Romania, Spain, Switzerland, and Sweden. We found some important limitations to note:
The feature supports stocks, ETFs, and cryptocurrencies, providing diverse portfolio building options. Recurring investments are currently not available for CFDs, SmartPortfolios, or CopyTrading. Additionally, users cannot set up recurring investments for leveraged or inverse ETFs, or elevated risk stocks.
Geographic restrictions apply to certain asset classes. The feature is currently not available for ETFs in Switzerland and for crypto in Belgium and the UAE. Netherlands users can access recurring investments for stocks and ETFs, with cryptocurrency support coming soon.
Comparison With Traditional Investment Methods
Our testing revealed that eToro's recurring investment feature offers several advantages over traditional manual investing approaches. The automation eliminates the need for monthly manual transactions, reducing the risk of forgetting to invest or being influenced by short-term market sentiment.
When we compared this feature to other brokers offering similar functionality, eToro's zero-commission structure for recurring purchases stands out. Combined with fractional share capabilities, investors can maintain exact monthly investment amounts regardless of individual share prices. This precision helps maintain consistent portfolio allocation strategies.
The integration with payment cards for automatic funding streamlines the entire process. UK clients can only use debit cards for recurring deposits, ensuring responsible investing practices. This direct funding method removes the extra step of manually transferring funds to your trading account before each investment.
Who Should Consider eToro's Recurring Investments
Based on our analysis, recurring investments particularly benefit several investor profiles. Young professionals building their first portfolios appreciate the low $25 minimum and automated approach that fits busy lifestyles. The feature helps them develop consistent investing habits without requiring extensive market knowledge. New investors can maximize their start by claiming the eToro welcome bonus and using those funds to establish multiple recurring investment streams across different asset classes.
Experienced investors use recurring investments to systematically build positions in core holdings while freeing time for active trading strategies elsewhere. We found this hybrid approach effective for maintaining long-term wealth accumulation while pursuing shorter-term opportunities. High-volume investors using recurring investments to build substantial portfolios often reach eToro Club status, gaining access to exclusive features like quarterly webinars with market experts and priority customer support.
Risk-averse investors benefit from the volatility smoothing effects of dollar-cost averaging. By spreading purchases across multiple time periods, they reduce the impact of buying at market peaks. This psychological comfort often leads to better long-term outcomes compared to timing-based strategies.
Parents setting up investment accounts for their children's future find the automation particularly valuable. The set-and-forget nature ensures consistent contributions toward education funds or long-term wealth transfer goals.
Managing and Modifying Your Recurring Investment Strategy
While eToro's recurring investment feature excels in automation, we noted some limitations in plan management. Currently, it's not possible to edit existing recurring investment plans. To make changes, you need to cancel your current plan and set up a new one. This limitation requires careful initial planning but doesn't significantly impact the overall user experience.
Recurring orders always execute on the scheduled date, providing predictability for budget planning. We recommend reviewing your recurring investments quarterly to ensure they align with your evolving financial goals and risk tolerance.
The platform processes recurring investments at live market prices on your selected date each month. This transparency ensures you understand exactly when and how your investments execute, avoiding confusion about order timing or pricing. We also recommend tracking your various investments with our portfolio tracker of choice, Delta.
Integration With eToro's Broader Investment Ecosystem
eToro's recurring investments complement the platform's other features effectively. While you cannot use recurring investments for CopyTrading or SmartPortfolios, these automated strategies serve different purposes within a diversified approach.
We found that combining recurring investments in core holdings with selective use of eToro's social trading features creates a balanced strategy. Use recurring investments for your foundational portfolio while exploring more active strategies with discretionary funds.
The platform's recent addition of portfolio analysis tools helps track the performance of your recurring investments alongside other holdings. This comprehensive view enables better decision-making about allocation adjustments and rebalancing needs. For those seeking alternative platforms with different features, our broker comparison tool can help identify suitable alternatives.
FAQ
What is the minimum amount needed to start recurring investments on eToro?
The minimum amount to set up a recurring investment on eToro is $25 per transaction. This low threshold makes the feature accessible to beginning investors who want to start building their portfolios gradually. You can invest up to $5,000 per individual transaction, with a monthly maximum of $25,000 across all recurring investments.
Can I use recurring investments for all assets on eToro?
No, recurring investments are available only for stocks, ETFs, and cryptocurrencies. The feature doesn't support CFDs, SmartPortfolios, CopyTrading, leveraged or inverse ETFs, or elevated-risk stocks. Some geographic restrictions also apply, with ETFs unavailable in Switzerland and cryptocurrencies restricted in Belgium and the UAE.
How do I modify an existing recurring investment plan?
Currently, you cannot directly edit an existing recurring investment plan on eToro. To make changes to your investment amount, frequency, or selected asset, you need to cancel the current plan and create a new one with your preferred settings. While this requires an extra step, it ensures clarity about your active investment schedules.
Are there any fees for using eToro's recurring investment feature?
Positions opened through recurring investments are exempt from commission fees, providing significant cost savings compared to manual purchases. However, standard closing fees still apply when you sell these positions. Reduced foreign exchange fees may also apply to recurring investments, improving overall cost efficiency.
When do recurring investment orders execute each month?
Recurring investment orders execute on the specific date you select during setup, using live market prices at that time. Orders always process on the scheduled date, providing predictability for budget planning. If your selected date falls on a weekend or market holiday, the order typically executes on the next available trading day.
Which countries have access to eToro's recurring investment feature?
The feature is available in the UK, UAE, and most European countries including Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Norway, Poland, Portugal, Romania, Spain, Switzerland, and Sweden. Availability continues to expand, with phased rollouts planned for additional regions.
How do I get started with recurring investments if I'm new to eToro?
First, you'll need to open an eToro account, which takes just a few minutes. New users should check out the current $500 welcome bonus promotion to maximize their starting capital. Once your account is verified and funded, navigate to any eligible stock, ETF, or cryptocurrency and look for the recurring investment banner to begin setup. The entire process takes less than 5 minutes to complete.
eToro is a multi-asset platform which offers both investing in stocks and cryptoassets, as well as trading CFDs. Please note that 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. This communication is intended for information and educational purposes only and should not be considered investment advice or investment recommendation. Past performance is not an indication of future results. Copy Trading does not amount to investment advice. The value of your investments may go up or down. Your capital is at risk. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more. eToro USA LLC does not offer CFDs and makes no representation and assumes no liability as to the accuracy or completeness of the content of this publication, which has been prepared by our partner utilizing publicly available non-entity specific information about eToro.
