Updated October 18, 2026 · SumCue Editorial Team
Binance P2P vs XTB
Binance P2P
Higher score in this comparison
XTB
Where Binance P2P and XTB differ
| Compare | Binance P2PReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Taker fee | 0.1% | 0%Lower |
| Coins listed | 490Higher | 45 |
| Regulators | Autorite des marches financiers (AMF), Commissione Nazionale per le Societa e la Borsa (CONSOB), Banco de Espana, Australian Securities and Investments Commission (ASIC), Thailand Ministry of Finance | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Maker fee | 0.1% | 0%Lower |
| Fiat deposit methods | Not confirmed | Bank |
| Proof of reserves | Yes | Not confirmed |
| Withdrawal fee | Not confirmed | Free above 100 USD/EUR |
Same on both: Derivatives (Yes), Exchange type (Cex).
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Key differences
- Regulators: only Binance P2P offers Autorite des marches financiers (AMF), Commissione Nazionale per le Societa e la Borsa (CONSOB), Banco de Espana.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- Founded is lower at XTB: 2002 vs 2017.
- Binance P2P is licensed in 2 more countries.
- Taker fee is lower at XTB: 0% vs 0.1%.
- Maker fee is lower at XTB: 0% vs 0.1%.
- Coins listed is higher at Binance P2P: 490 vs 45.
- Support channels: only Binance P2P offers Help centre.
- Support channels: only XTB offers Phone.
- Features: only Binance P2P offers Staking.
Our verdict on each
Binance P2P
Binance P2P suits traders who want a wide coin list at a low taker fee and will hold a custodial wallet. Fees of 0.1% sit under the 0.25% site median, though proof of reserves and a spread of regulators leave some account holders uneasy.
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 | Binance P2P | XTB |
|---|---|---|
| Cost | 9.0Taker and maker fees both sit at 0.1% and 0.1%, below the 0.25% site median. | 9.2HigherAccount fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset. |
| Offer | 9.5HigherLists 490 coins, adds derivatives and staking, and publishes proof of reserves. | 9.2 |
| Trust | 9.4 | 9.5Higher |
Pick Binance P2P if, pick XTB if
Pick Binance P2P if offer and coins listed matter most.
Pick XTB if taker fee and maker fee matter most.
The bill, worked out
Buy 1,000 of crypto and sell it again
Binance P2P
2
0.1% of 2,000
XTB
0
0% of 2,000
XTB comes out 2 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.
Where they rank in our lists
| Ranking | Binance P2P | XTB |
|---|---|---|
| Crypto | 15 of 428 | 2 of 428 |
Every fact side by side
| Fact | Binance P2P | XTB |
|---|---|---|
| Features | Staking | Demo account, Mobile app, Crypto |
| Legal entity | Binance Holdings Ltd. | XTB Limited |
| Headquarters | United Arab Emirates | Cyprus |
| Founded | 2017 | 2002Lower |
| Support channels | Email, Chat, Help centre | Email, Chat, Phone |
Crypto wallets
| Fact | Binance P2P | XTB |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Custody | Custodial | Not confirmed |
| Coins supported | 490 | Not confirmed |
Savings
| Fact | Binance P2P | XTB |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | €0 |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Pricing model | Not confirmed | Commission free, Low fees |
| Access terms | Not confirmed | 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 | Not confirmed | £0 |
| Account kind | Not confirmed | Easy access |
Credit cards
| Fact | Binance P2P | XTB |
|---|---|---|
| Currency conversion fee | Not confirmed | 0.5% |
| Audience | Not confirmed | Beginners |
Where each stands against the rest
| Fact | Binance P2P | XTB | Median |
|---|---|---|---|
| Taker fee | 0.1%below the median | 0%lowest quarter | 0.15% |
| Coins listed | 490highest quarter | 45below the median | 89.5 |
| Maker fee | 0.1%at the median | 0%below the median | 0.1% |
Median across 222 listed providers.
Pros and cons
Binance P2P
Pros
- Taker and maker fees of 0.1% and 0.1% sit below the 0.25% site median
- Lists 490 coins, ahead of the 71.5 site median
- Derivatives and staking are available on a custodial mobile wallet
Cons
- Custody is custodial, so assets sit with the exchange rather than in your own keys
- Support runs on email, chat and help centre only, and a phone line is not among its support channels
- Regulators cover Autorite des marches financiers (AMF), Commissione Nazionale per le Societa e la Borsa (CONSOB) and Banco de Espana, so UK holders are not covered by a listed licence
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
Binance P2P
Who it suits
- Traders buying and selling frequently who care about taker fees
- Anyone who wants a long coin list in one custodial app
- Mobile first users who want chat support alongside a help centre
Who should look elsewhere
- Anyone who wants to hold their own keys, since custody is custodial
- eToro users after a broader retail platform for equities alongside crypto
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.
Questions about each
Binance P2P
What are the trading fees at Binance P2P?+
Taker fees are 0.1% and maker fees are 0.1%, charged on the standard exchange account. The site median taker fee is 0.25%, so costs sit at the lower end of the range. No account fee is listed.
Which regulators licence Binance P2P?+
The exchange lists Autorite des marches financiers (AMF), Commissione Nazionale per le Societa e la Borsa (CONSOB) and Banco de Espana among its regulators. Those registrations cover France, Italy, Spain, Australia and Thailand, so users in other markets should check their local position. Licence coverage is therefore partial.
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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