u/Possible_Seesaw2978

Do you publish any statistics on how many of your active users remain profitable over the long term?

How easy is it for a beginner to access margin and futures on eToro?

Before online brokers, mobile apps, and CFD platforms made the markets extremely accessible, advanced products such as futures, options, and leveraged trading were effectively dominated by professional players, institutions, and experienced traders. The barrier to entry was much higher for ordinary individuals.

Trading apps have created a generation of retail investors who can easily mistake access to financial markets for actual investment knowledge. You can download an app, deposit a few hundred euros and start trading complex products within minutes. The interface makes everything look simple, while the underlying risks are anything but simple. The dangerous part is that the easier trading becomes, the easier it is for inexperienced users to develop an unjustified sense of confidence. There should be much more emphasis on whether users actually understand what they're trading, rather than simply whether they can pass a basic onboarding questionnaire.

I want to be completely honest about my story because I believe context matters.

Seven years ago, I joined eToro with very little knowledge of financial markets. I made serious mistakes. I borrowed money to trade futures, lost it, and then made an even bigger mistake by borrowing again in an attempt to recover my losses. That decision left me approximately $70,000 in debt, a debt I am still paying today.

I take full responsibility for those decisions. Nobody forced me to trade or borrow money. Those mistakes are mine.

I have never told eToro about this loss, but I am mentioning it here on Reddit for the first time to provide context for my story.

What I struggle to understand is eToro's position today.

Over the past seven years, I have spent thousands of hours learning about the financial markets. I have studied technical analysis, market fundamentals, risk management, and trading psychology. I am a completely different trader than I was when I opened my account.

During those seven years, I deposited around $50,000 into eToro. My account remained active throughout that time, and eToro continued to accept my deposits and business.

Now, after seven years, my account has been closed under the Vulnerability Program.

This raises an important question.

If eToro genuinely believes I am a vulnerable customer who should not have access to the platform, why was this conclusion reached only after seven years? Why was I considered suitable to trade while making deposits year after year, only to later be told I should no longer be allowed to use the platform?

I am not asking anyone to ignore my own responsibility. I accept my past mistakes completely.

What I am questioning is whether this process is fair, consistent, and transparent.

If customer protection is the goal, it should be applied consistently from the beginning, not after years of accepting a customer's business. As a customer, it is difficult to understand why I was considered suitable for seven years but suddenly classified as vulnerable without any meaningful opportunity to demonstrate how much I have learned and changed.

I attempted to withdraw funds from my account. The withdrawals were cancelled multiple times, despite previous withdrawals having worked without any issues. I contacted customer support repeatedly, but instead of receiving a clear and timely solution, the process continued to drag on.

At one point I became extremely stressed and wrote to customer support explaining that I was "crying" because I could not access my own money. Shortly afterwards, eToro referred my account for a Vulnerability Assessment and placed restrictions on my account.

I understand that regulated financial companies have responsibilities when customers show signs of distress. However, in my case, it feels like the focus shifted from solving the original problem, which was my inability to access my funds, to assessing me as a vulnerable customer because I reacted emotionally to the situation.

During the review process, eToro attempted to contact me by phone several times. I had already informed them that there were problems with telephone communication, but they continued attempting phone contact instead of moving to email immediately. Only later did they send the assessment by email.

Because I could not access my funds through the withdrawal process, I was forced to close my own trading positions to obtain money for a personal financial commitment.

After my account was restricted, I was unable to reopen those positions. The market later moved in the direction I had anticipated, creating what I believe was a substantial missed trading opportunity.

I have now received eToro's final complaint response. Their position is that:

• the withdrawals were cancelled due to payment method eligibility;
• the account restriction was appropriate under their Vulnerability Program;
• they never closed any of my trading positions; and
• therefore they are not responsible for the losses I described.

The issue is that this does not address my actual complaint.

I never claimed that eToro directly closed my trades. My complaint is that the withdrawal problems caused me to liquidate positions that I would otherwise have kept, and that the later account restrictions prevented me from entering the market again.

I have my trading history, account records, and correspondence documenting the timeline of events.

After 7 years as an eToro customer, I am disappointed with how this situation was handled.

Has anyone else experienced repeated withdrawal cancellations, account restrictions, or being placed into eToro's Vulnerability Program after contacting support during a stressful situation? Has anyone taken a complaint to the Financial Ombudsman in Cyprus? I would appreciate hearing about your experiences.

I want to be completely honest about my story because I believe context matters.

Seven years ago, I joined eToro with very little knowledge of financial markets. I made serious mistakes. I borrowed money to trade futures, lost it, and then made an even bigger mistake by borrowing again in an attempt to recover my losses. That decision left me approximately $70,000 in debt, a debt I am still paying today.

I take full responsibility for those decisions. Nobody forced me to trade or borrow money. Those mistakes are mine.

What I struggle to understand is eToro's position today.

Over the past seven years, I have spent thousands of hours learning about the financial markets. I have studied technical analysis, market fundamentals, risk management, and trading psychology. I am a completely different trader than I was when I opened my account.

During those seven years, I deposited around $50,000 into eToro. My account remained active throughout that time, and eToro continued to accept my deposits and business.

Now, after seven years, my account has been closed under the Vulnerability Program.

This raises an important question.

If eToro genuinely believes I am a vulnerable customer who should not have access to the platform, why was this conclusion reached only after seven years? Why was I considered suitable to trade while making deposits year after year, only to later be told I should no longer be allowed to use the platform?

I am not asking anyone to ignore my own responsibility. I accept my past mistakes completely.

What I am questioning is whether this process is fair, consistent, and transparent.

If customer protection is the goal, it should be applied consistently from the beginning, not after years of accepting a customer's business. As a customer, it is difficult to understand why I was considered suitable for seven years but suddenly classified as vulnerable without any meaningful opportunity to demonstrate how much I have learned and changed.

I would genuinely like to hear from others who have experienced the same thing. Have you had your account restricted or closed under eToro's Vulnerability Program? If so, what explanation were you given?

• Country: Norway
• eToro customer for: Approximately 7 years
• Withdrawal method: Bank card
• Withdrawal requests made: June and July 2026
• Current status: Withdrawals were eventually processed, but my account was later restricted and ultimately closed following a Vulnerability Assessment.

I am sharing this because I would like to understand whether other eToro customers have experienced similar issues with cancelled withdrawals, delayed communication, account restrictions, or vulnerability assessments.

I have been trading with eToro for around 7 years and have always considered myself a long-term customer. Earlier this year, I experienced a situation that has completely changed my view of how eToro handles customer issues.

I attempted to withdraw funds from my account. The withdrawals were cancelled multiple times, despite previous withdrawals having worked without any issues. I contacted customer support repeatedly, but instead of receiving a clear and timely solution, the process continued to drag on.

At one point I became extremely stressed and wrote to customer support explaining that I was crying because I could not access my own money. Shortly afterwards, eToro referred my account for a Vulnerability Assessment and placed restrictions on my account.

I understand that regulated financial companies have responsibilities when customers show signs of distress. However, in my case, it feels like the focus shifted from solving the original problem, which was my inability to access my funds, to assessing me as a vulnerable customer because I reacted emotionally to the situation.

During the review process, eToro attempted to contact me by phone several times. I had already informed them that there were problems with telephone communication, but they continued attempting phone contact instead of moving to email immediately. Only later did they send the assessment by email.

Because I could not access my funds through the withdrawal process, I was forced to close my own trading positions to obtain money for a personal financial commitment.

After my account was restricted, I was unable to reopen those positions. The market later moved in the direction I had anticipated, creating what I believe was a substantial missed trading opportunity.

I have now received eToro's final complaint response. Their position is that:

• the withdrawals were cancelled due to payment method eligibility;
• the account restriction was appropriate under their Vulnerability Program;
• they never closed any of my trading positions; and
• therefore they are not responsible for the losses I described.

The issue is that this does not address my actual complaint.

I never claimed that eToro directly closed my trades. My complaint is that the withdrawal problems caused me to liquidate positions that I would otherwise have kept, and that the later account restrictions prevented me from entering the market again.

I have my trading history, account records, and correspondence documenting the timeline of events.

After 7 years as an eToro customer, I am disappointed with how this situation was handled.

Has anyone else experienced repeated withdrawal cancellations, account restrictions, or being placed into eToro's Vulnerability Program after contacting support during a stressful situation? Has anyone taken a complaint to the Financial Ombudsman in Cyprus? I would appreciate hearing about your experiences.

Has anyone else experienced something similar with eToro?

I have been trading with eToro for around 7 years and have always considered myself a long-term customer. Earlier this year, I experienced a situation that has completely changed my view of how eToro handles customer issues.

I attempted to withdraw funds from my account. The withdrawals were cancelled multiple times, despite previous withdrawals having worked without any issues. I contacted customer support repeatedly, but instead of receiving a clear and timely solution, the process continued to drag on.

At one point I became extremely stressed and wrote to customer support explaining that I was "crying" because I could not access my own money. Shortly afterwards, eToro referred my account for a Vulnerability Assessment and placed restrictions on my account.

I understand that regulated financial companies have responsibilities when customers show signs of distress. However, in my case, it feels like the focus shifted from solving the original problem, which was my inability to access my funds, to assessing me as a vulnerable customer because I reacted emotionally to the situation.

During the review process, eToro attempted to contact me by phone several times. I had already informed them that there were problems with telephone communication, but they continued attempting phone contact instead of moving to email immediately. Only later did they send the assessment by email.

Because I could not access my funds through the withdrawal process, I was forced to close my own trading positions to obtain money for a personal financial commitment.

After my account was restricted, I was unable to reopen those positions. The market later moved in the direction I had anticipated, creating what I believe was a substantial missed trading opportunity.

I have now received eToro's final complaint response. Their position is that:

• the withdrawals were cancelled due to payment method eligibility;
• the account restriction was appropriate under their Vulnerability Program;
• they never closed any of my trading positions; and
• therefore they are not responsible for the losses I described.

The issue is that this does not address my actual complaint.

I never claimed that eToro directly closed my trades. My complaint is that the withdrawal problems caused me to liquidate positions that I would otherwise have kept, and that the later account restrictions prevented me from entering the market again.

I have my trading history, account records, and correspondence documenting the timeline of events.

After 7 years as an eToro customer, I am disappointed with how this situation was handled.

Has anyone else experienced repeated withdrawal cancellations, account restrictions, or being placed into eToro's Vulnerability Program after contacting support during a stressful situation? Has anyone taken a complaint to the Financial Ombudsman in Cyprus? I would appreciate hearing about your experiences.