Wikitoro author Mike Druttman Written by Mike Druttman
Wikitoro fact checker Wikitoro Team Fact checked by Wikitoro Team
Updated Mar, 2024

The eToro Club Tier Balance is a system within the club membership program that categorizes members into different tiers based on their financial engagement on the platform. These tiers, ranging from Silver to Diamond, are determined by the balance in a member's trading and eToro Money accounts, excluding certain products like leveraged CFDs. 

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51% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money.


In the dynamic world of online trading, eToro stands out not just for its trading platform but also for its unique membership program: the eToro Club. Understanding the Club Tier Balance is crucial for traders looking to maximize their experience on the platform. In this article, I'll break down the intricacies of this tier system, providing insights into how it works and what it means for you as a trader.


Quick Info About the Club Membership

The eToro Club is an exclusive membership program designed to reward active traders on the platform. Membership is granted automatically to clients who maintain a tier balance of at least $5,000, offering a range of benefits that enhance the trading experience.


Understanding the Tier Levels

There are five distinct levels within the club:

  1. Silver
  2. Gold
  3. Platinum
  4. Platinum+
  5. Diamond

Each level is accessible based on your tier balance, starting from $5,000 for Silver and going up to $250,000 for Diamond. As your balance increases, so does your access to higher tiers.


Benefits of Each Tier Level

Each tier in the eToro Club comes with its own set of rewards. These can range from a dedicated account manager to exclusive assets and reduced fees. The bottom line here is: the higher your tier, the more substantial the benefits.


How to Check Your Tier Balance

Your current tier balance can be easily checked in your Club dashboard. This feature allows you to monitor your status and see how close you are to the next tier level.


Daily Tier Balance Check and Level Changes

eToro automatically checks your tier balance at midnight GMT every day. Any change in your level, whether an upgrade or downgrade, is implemented the following day, ensuring your tier status always reflects your current balance.


Tier Balance Calculation

The tier balance is calculated by considering the cash available in your eToro account, total invested, minus excluded products like leveraged CFDs, plus the cash balance in your eToro Money account. This comprehensive approach ensures a fair assessment of your total assets on the platform.

Here's a table I prepared so you'll be able to understand this calculation better:

Fund / ProductAdd or Subtract?
Cash available in eToro trading accountAdd
Total invested in eToro trading accountAdd
Excluded products (leveraged CFDs)Subtract
Cash balance in eToro Money accountAdd


Role of eToro Money Account in Tier Balance

Funds in your eToro Money account play a significant role in your tier balance. This inclusion means that your overall financial engagement with eToro, not just your trading activity, influences your Club status.

In my opinion, this is approach better because they also consider not just your holdings on the investment account but also on the e-money account. This will make it easier for you to meet the equity requirements so you can get to the next tier.


Excluded Products in Tier Balance Calculation

It's important to note that certain products, such as leveraged CFDs, are excluded from the tier balance calculation. This exclusion helps maintain a focus on more stable assets when determining your Club tier.


Essential Insights

  • The eToro Club Tier Balance is a dynamic system that rewards traders based on their financial engagement on the platform.
  • Understanding the tier levels and the benefits each offers can significantly enhance your trading experience.
  • Regular monitoring of your tier balance is key to maximizing the benefits available to you.
  • The tier system is inclusive, considering both your trading and cash balances, but it's important to be aware of the exclusions.

While the benefits of this club are attractive, it's essential to approach trading with a strategy that suits your financial goals and not just to climb the tier levels. Remember, efficient trading is about making informed decisions, not just reaping rewards.


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.

Past performance is not an indication of future results. Trading history presented is less than 5 complete years and may not suffice as basis for investment decision.

Copy Trading does not amount to investment advice. The value of your investments may go up or down. Your capital is at risk.

Cryptoasset investing is highly volatile and unregulated in some EU countries. No consumer protection. Tax on profits may apply. 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.

Wikitoro author Mike Druttman About Mike Druttman

Mike Druttman, Head of Content at, has decades of expertise in marketing communications and business matching. Educated at the CAM Foundation and the Chartered Institute of Marketing, Mike has collaborated with businesses from the UK to Japan. He founded KEYZUNA, bridging Japanese businesses with global innovations. With a diverse background spanning high-tech to hospitality, Mike's articles at Wikitoro reflect his vast knowledge and unique perspective.

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51% of retail investor accounts lose money