Updated September 29, 2026 · SumCue Editorial Team
AXI Card Tarjeta y Credito vs XTB
AXI Card Tarjeta y Credito
XTB
Higher score in this comparison
Where AXI Card Tarjeta y Credito and XTB differ
| Compare | AXI Card Tarjeta y CreditoReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Currency conversion fee | 0%Lower | 0.5% |
| Annual fee | €0 | Not confirmed |
| APR | 21.59% | Not confirmed |
| Rewards type | None | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Card kind | Credit | Not confirmed |
| Regulators | Not confirmed | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
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Key differences
- XTB scores higher overall: 9.3 vs 9.0.
- XTB is licensed in 2 more countries.
- Currency conversion fee is lower at AXI Card Tarjeta y Credito: 0% vs 0.5%.
- Support channels: only AXI Card Tarjeta y Credito offers Help centre.
- Support channels: only XTB offers Chat.
- Pricing model: only AXI Card Tarjeta y Credito offers Fixed rate.
- Pricing model: only XTB offers Commission free, Low fees.
- Features: only AXI Card Tarjeta y Credito offers Credit line.
- Features: only XTB offers Demo account, Mobile app, Crypto.
Our verdict on each
AXI Card Tarjeta y Credito
AXI Card Tarjeta y Credito suits adults in Spain who want a small revolving credit line on a card with no annual or monthly fee. The catch is the cost of borrowing: 21.59% sits well above the 4.9 picture here, and a hard check decides who is accepted.
XTB
XTB suits beginners who want an account for shares, forex, CFDs and crypto without a monthly charge, and the cost side is thin: the account fee is €0 and the stock trade fee is €0. The catch is the inactivity fee of €10 and a currency conversion fee of 0.5%.
Score breakdown
| Area | AXI Card Tarjeta y Credito | XTB |
|---|---|---|
| Cost | 8.9Annual fee €0, monthly fee €0 and free early repayment, offset by 21.59% interest and 0 EUR (card issuance and annual maintenance). | 9.2HigherAccount fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset. |
| Offer | 8.7Credit line to up to €1,500 with Immediate: credit line available on card activation funding. | 9.2Higher |
| Trust | 9.4 | 9.5Higher |
Where they rank in our lists
| Ranking | AXI Card Tarjeta y Credito | XTB |
|---|---|---|
| Credit and debit cards | 13 of 1594 | 1 of 1594 |
Where each is licensed and available
| Country | AXI Card Tarjeta y Credito | XTB |
|---|---|---|
| Bulgaria | Not confirmed | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed |
Spending 1,000 abroad
AXI Card Tarjeta y Credito
0
0% of 1,000
XTB
5
0.5% of 1,000
AXI Card Tarjeta y Credito comes out 5 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
What we checked
AXI Card Tarjeta y Credito
- axi-card.es: 11 facts, checked September 26, 2026
XTB
- xtb.com: 4 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- hello-brokers.com: 2 facts, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | XTB |
|---|---|---|
| Pricing model | Fixed rate | Commission free, Low fees |
| Features | Credit line | Demo account, Mobile app, Crypto |
| Audience | Not confirmed | Beginners |
| Legal entity | Access Finance SL | XTB Limited |
| Headquarters | Spain | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone |
Savings
| Fact | AXI Card Tarjeta y Credito | XTB |
|---|---|---|
| Headline rate | 21.59%Higher | 4% |
| Rate type | Fixed | Variable |
| Term | 1 month | Not confirmed |
| Minimum deposit | Not confirmed | €0 |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Access terms | Revolving credit line up to 1500 EUR, repaid in full between day 1 and day 5 of the following month, or a minimum monthly payment of 19% of the total payable | Interest on uninvested funds, calculated daily and paid monthly within five days of month end, no minimum or maximum balance, withdraw any amount to your bank account |
| Monthly fee | €0 | £0 |
| Account kind | Easy access | Easy access |
Crypto exchanges
| Fact | AXI Card Tarjeta y Credito | XTB |
|---|---|---|
| Taker fee | Not confirmed | 0% |
| Coins listed | Not confirmed | 45 |
| Fiat deposit methods | Not confirmed | Bank |
| Maker fee | Not confirmed | 0% |
| Withdrawal fee | Not confirmed | Free above 100 USD/EUR |
| Derivatives | Not confirmed | Yes |
| Exchange type | Not confirmed | Cex |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | XTB | Median |
|---|---|---|---|
| Annual fee | €0at the median | Not confirmed | €0 |
| APR | 21.59%highest quarter | Not confirmed | 11.635% |
| Currency conversion fee | 0%below the median | 0.5%below the median | 1% |
Median across 486 listed providers.
Pros and cons
AXI Card Tarjeta y Credito
Pros
- No annual fee of €0 and no monthly fee of €0 on the credit card, so an unused line costs nothing to hold
- Funding is Immediate: credit line available on card activation, with the credit line live as soon as the card is activated
- Early repayment is free, so paying the balance in full shortens the interest charged rather than adding a charge
Cons
- Interest is the real cost: 21.59% is above the 15.5% typical of comparable borrowing, and the fixed rate does not fall with a longer relationship
- The line is small at up to €1,500, so anything larger needs another lender, unlike Creduma ES which starts at from €12,000
- Applications run a hard credit check, and fair credit history is the stated bar, with no softer prequalification step
XTB
Pros
- The account fee is €0 and the stock trade fee is €0, which places XTB at 1 of 166 brands on the share dealing charge.
- The minimum deposit is €0, putting XTB at 1 of 218 brands on the amount needed to start.
- Deposit protection is FSCS up to GBP 85,000 and investor protection is EU ICS up to EUR 20,000, both stated with figures rather than vague wording.
Cons
- The inactivity fee is €10, and at 39 of 56 brands on that measure XTB sits well outside the free group.
- A currency conversion fee of 0.5% applies even though the stock trade fee is €0, which bites on any US share held in a euro or sterling account.
- Retail leverage runs to 1:30 and 77% of retail accounts lose money, so free dealing does not mean free from risk.
Who each suits
AXI Card Tarjeta y Credito
Who it suits
- Adults resident in Spain with a DNI, or a NIE plus a passport if they are not a Spanish citizen
- People who already clear their card balance in full each month and treat the line as a short bridge
- Borrowers comfortable with a revolving balance rather than a fixed personal loan repayment
Who should look elsewhere
- Anyone needing a large one-off sum, where Creduma ES and its from €12,000 floor is a better fit
- Borrowers wanting cheaper credit, since Sofkredit charges 10.74% to 18.06%
- Applicants with overdue debts or an ASNEF registration, who are turned away on eligibility
XTB
Who it suits
- Beginners new to investing, since the audience XTB is built for is beginners and the minimum deposit is €0.
- UK and EU customers who want stocks, etfs and forex behind a single login and who read FSCS up to GBP 85,000 before funding.
- People who want the same platform on desktop and phone, with xStation 5 and xStation Mobile both carrying the account.
Who should look elsewhere
- Not bunq, which asks for a minimum deposit of €10 where XTB opens at €0.
- Not CFI if the opening amount is your only guide, since its minimum deposit is also $0 and the real difference is markets and protection.
- Not Fiesta Credito MX, listed under CONDUSEF for credit rather than for trading stocks, etfs and forex.
Country by country
| Country | AXI Card Tarjeta y Credito | XTB |
|---|---|---|
| Bulgaria | Yes | No |
| Spain | Yes | No |
Questions about each
AXI Card Tarjeta y Credito
What does AXI Card charge to borrow?+
The rate is the main cost. 21.59% is the APR and the rate type is fixed. The representative example sets out the annual interest and the total cost of credit on a fully drawn line, settled across one payment period. Clearing the line in full at the start of the following month keeps that cost down.
Are there any fees on the card itself?+
No annual or monthly charge is listed. The annual fee is €0, the monthly fee is €0 and the origination fee is 0 EUR (card issuance and annual maintenance), which covers card issuance and annual maintenance. Currency conversion on the card is 0%, so spending outside euro adds nothing to the bill.
XTB
What does it cost to hold an XTB account?+
The account fee is €0 and the monthly fee is £0, so there is no standing charge for keeping the account open. The recurring cost to watch is the inactivity fee of €10, which applies when an account is left unused. If you hold uninvested funds you also earn interest, calculated daily and paid monthly, with no minimum or maximum balance.
How much does it cost to buy shares on XTB?+
The stock trade fee is €0 and the account runs on a commission free and low fees model, so a share trade carries no commission. The charges that remain are the currency conversion fee of 0.5% when the trade currency and your account currency differ, and any spread built into the price. For an account holding US shares, that conversion fee is what turns a trade with a stock trade fee of €0 into a cost.
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