eToro promo: 5% of your crypto deposit back in stocks

Until 31 August 2026, eToro pays back five percent of your net crypto deposit. Not in cash, but in stocks. The promotion is called "Crypto Deposit to eToro Hosted Wallet — Stock Back Promotion 2026", is dated 5 July 2026 by eToro, and runs from 1 July 2026 00:00 to 31 August 2026 23:59 London time. Sixteen days are left.

In short

5 percent of your monthly net crypto deposit · paid in stocks, not in cash · award capped at 2,000 US dollars per month · cannot be withdrawn for 90 days · ends 31 August 2026.

The cap sits on the award, not on the deposit

This is where most summaries of this promotion go wrong. The terms say: "5% of their Monthly Net Crypto Deposit, up to the Capped Award Amount of $2,000". Those 2,000 US dollars are the maximum you receive, not the maximum you may deposit.

To reach that ceiling you would need to transfer 40,000 US dollars net in a month. That figure is not in the terms — it is 2,000 divided by 5 percent.

What "net deposit" actually means

Not the amount that arrives. Each month eToro totals the value of your settled crypto deposits and values them solely at the closing price of the relevant cryptoassets on the last day of that month. Two things come off: all withdrawals of cryptoassets from your Hosted Wallet in the same month, and eToro's and third-party fees and commissions.

That valuation rule has a consequence the terms do not spell out: deposit in early August and let the price slide before month-end, and the base your 5 percent is calculated on slides with it.

You get a stock, not money

The award arrives as a position in a single stock. eToro assigns that stock "at its sole discretion", or lets you choose from a list of Qualified Stocks. According to the terms, that list is built on "objective factors such as liquidity and market capitalisation".

One stock, then. No fund, no ETF, no diversification. eToro buys for a US dollar amount equal to the Monthly Award, so at almost any amount you end up with a fraction of a share. If the Monthly Award comes to less than 2.50 US dollars, you get cash instead.

What a fraction is worth as ownership is not in the promotion terms but on eToro's own fractional shares page: dividends come pro rata to your fraction, and you do not get voting rights the way holders of whole shares do. Two different sources — keep that distinction in mind.

Ninety days you cannot withdraw

The terms state that the value of the Monthly Award "cannot be withdrawn from your eToro Account for a minimum of 90 days from the Monthly Reward Date". It only says you cannot take it out. The terms say nothing about selling.

In practice that means three months of price risk on a stock you did not pick yourself. What that stock does in that window is anyone's guess — which is precisely why this is not cashback.

When it arrives

Within fourteen days of the end of the month in which you deposited.

Who can take part

You need an active eToro account and a Hosted Wallet Account, and you must make at least one qualifying crypto deposit during the promotion period. One account per person and per household. eToro employees and their immediate family are excluded.

Three kinds of transfer do not count as deposits: from another eToro account, from Tangany GmbH — the custodian eToro itself uses — and from an eToro affiliate.

What we could not establish

The country list. eToro says "75+ countries" and publishes nowhere which ones. Whether the Netherlands and Belgium are included cannot be derived from the promotion terms. We were unable to confirm this.

What is settled concerns something else: eToro (Europe) Ltd is supervised by the Cypriot CySEC under authorisation 109/10 and has held a MiCA authorisation for crypto services in the EEA since February 2025. For Belgium there is an FSMA notification for the free provision of services. But the platform being available in your country does not mean the promotion applies there. The two do not track each other, and the terms nowhere link them.

Doing the maths

Deposit 1,000 US dollars net and the award is 50 US dollars in a single stock you probably did not choose, which you cannot withdraw for three months. That is a real reward, but it is not 50 US dollars in your account.

So do not let those 5 percent decide how much you transfer. Five percent of the amount you were going to move anyway is the comparison that holds; 5 percent of 40,000 US dollars is an arithmetic example, not a plan.

Sources: eToro, "Crypto Deposit to eToro Hosted Wallet — Stock Back Promotion 2026" (cloud.connect.etoro.com, terms dated 5 July 2026); eToro fractional shares page; eToro press release on the MiCA authorisation (February 2025). Last verified: 15 August 2026.

This article is general information, not investment advice. Crypto and stocks carry risk; you can lose your stake. Read the promotion terms yourself before taking part. Links to partners may be affiliate links, at no extra cost to you.