Updated September 29, 2026 · SumCue Editorial Team
Bitpanda vs XTB
Bitpanda
XTB
Higher score in this comparison
What sets them apart
| Compare | BitpandaReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Minimum deposit | €1 | €0Lower |
| Stock trade fee | €1 | €0Lower |
| Markets | Stocks, ETFs, Crypto, Metals | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMA | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Currency conversion fee | 0%Lower | 0.5% |
| Deposit and withdrawal fees | Free deposits | Free deposits; free withdrawals above 100 EUR/USD |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| Retail accounts that lose money | Not confirmed | 77% |
| Platforms | Not confirmed | XStation 5, XStation Mobile |
| Maximum retail leverage | Not confirmed | 1:30 |
Same on both: Investor protection (EU ICS up to EUR 20,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- XTB scores higher overall: 9.3 vs 9.1.
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- Founded is lower at XTB: 2002 vs 2014.
- Minimum deposit is lower at XTB: €0 vs €1.
- Stock trade fee is lower at XTB: €0 vs €1.
- Currency conversion fee is lower at Bitpanda: 0% vs 0.5%.
- Markets: only Bitpanda offers Metals.
- Markets: only XTB offers Forex, CFDs.
- Support channels: only Bitpanda offers Help centre.
Our verdict on each
Bitpanda
Bitpanda suits beginners who want stocks, crypto and metals in one app and can start small. Its cost score of 4.6 reflects a flat €1 stock trade fee, free deposits and a low entry point, though the protection cap is modest.
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 | Bitpanda | XTB |
|---|---|---|
| Cost | 9.2Stock trades cost €1 a share, deposits are Free deposits, and the entry point is €1. | 9.2Account fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset. |
| Offer | 8.7 | 9.2Higher |
| Trust | 9.3 | 9.5Higher |
Side by side, item by item
| Markets | Bitpanda | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | Yes | Yes |
| Metals | Yes | No |
Sources behind this comparison
Bitpanda
- bitpanda.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
XTB
- xtb.com: 10 facts, checked September 26, 2026
- hello-brokers.com: 5 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- eupersonalfinance.eu: 1 fact, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Bitpanda | XTB |
|---|---|---|
| Savings | 13 of 1492 | 2 of 1492 |
| Credit and debit cards | 15 of 1594 | 1 of 1594 |
| Investing | 17 of 654 | 3 of 654 |
| Stock and ETF brokers | 11 of 358 | 2 of 358 |
| Trading platforms | 8 of 24 | 2 of 24 |
| Crypto | 10 of 428 | 2 of 428 |
Every fact side by side
| Fact | Bitpanda | XTB |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo accountCovers more | Demo account, Mobile app, Crypto |
| Pricing model | No annual fee | Commission free, Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | Bitpanda GmbH | XTB Limited |
| Headquarters | Austria | Cyprus |
| Founded | 2014 | 2002Lower |
| Support channels | Help centre | Email, Chat, Phone |
Credit cards
| Fact | Bitpanda | XTB |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Rewards type | Cashback | Not confirmed |
| Rewards rate | 1% cashback on crypto asset spending | Not confirmed |
| Perks | 1% cashback on crypto asset spending | Not confirmed |
| Cashback rate | 1% | Not confirmed |
| Card kind | Credit | Not confirmed |
Debit cards
| Fact | Bitpanda | XTB |
|---|---|---|
| Monthly fee | €0 | £0 |
| Card type | Debit | Not confirmed |
| Cashback rate | 1% | Not confirmed |
| Card network | Visa | Not confirmed |
| Custody | Custodial | Not confirmed |
Savings
| Fact | Bitpanda | XTB |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Not confirmed | Variable |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Instant access, trading 24/7, funds tradeable anytime | 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 |
| Account kind | Easy access | Easy access |
Crypto exchanges
| Fact | Bitpanda | XTB |
|---|---|---|
| Taker fee | Not confirmed | 0% |
| Coins listed | from 650 | 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 | Cex | Cex |
Crypto wallets
| Fact | Bitpanda | XTB |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Coins supported | 650 | Not confirmed |
Where each stands against the rest
| Fact | Bitpanda | XTB | Median |
|---|---|---|---|
| Minimum deposit | €1at the median | €0below the median | €1 |
| Stock trade fee | €1below the median | €0below the median | €1.50 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €10above the median | €2.45 |
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 72.21% |
| Currency conversion fee | 0%below the median | 0.5%above the median | 0.4% |
Median across 80 listed providers.
Pros and cons
Bitpanda
Pros
- You can start with €1, so a small amount opens the account and the entry point sits well inside the field.
- Stock trades cost €1 a share, a flat price you can work out before you deal.
- Deposits cost Free deposits, so moving money in does not eat into your first investment.
Cons
- Investor protection stops at EU ICS up to EUR 20,000, so a large portfolio can sit above the cap.
- Support runs on help centre only, so a question that needs a person has no listed route.
- The crypto side alone lists from 650 coins against a field median of 71.5, and custodial custody means the keys are not yours.
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
Bitpanda
Who it suits
- Beginners building a first portfolio from spare monthly savings
- People who want stocks, crypto and metals in one app
- Anyone who prefers a fixed share price over percentage dealing fees
Who should look elsewhere
- Anyone holding more than EU ICS up to EUR 20,000, where the cap is too low
- Investors who want to hold their own keys rather than custodial custody
- People who need phone or email support, since help runs on help centre only
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
Bitpanda
What is the minimum I need to open a Bitpanda account?+
You can start with €1. That is a small enough figure to test the platform before committing real money, and the account is easy access, so you are not tied into a term. A first deposit can be made straight away at no charge.
How much does it cost to buy shares?+
A stock trade costs €1 per share. Because that is a flat price rather than a percentage, the cost does not rise as your order gets larger, which suits a beginner making a handful of larger buys. Very small orders can cost more per share in relative terms.
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.
Other options to compare
Other matchups
- XTB vs Binance P2P
- XTB vs FxPro
- XTB vs Angel One
- Bitpanda vs ActivTrades
- XTB vs Finom
- Bitpanda vs eToro
- Bitpanda vs Linxea
- XTB vs DKB
- XTB vs Gemini
- Bitpanda vs UNest
- XTB vs bunq Spain
- XTB vs bunq Stocks Spain
- XTB vs Qonto
- Bitpanda vs Mintos
- XTB vs Coinbase
- Bitpanda vs Kraken
- Bitpanda vs kraken
- XTB vs BlackBull Markets
- XTB vs Pepperstone
- XTB vs Revolut
- XTB vs EBC Financial Group