Updated October 17, 2026 · SumCue Editorial Team
bunq Stocks Spain vs XTB
bunq Stocks Spain
XTB
Higher score in this comparison
Where bunq Stocks Spain and XTB differ
| Compare | bunq Stocks SpainReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Minimum deposit | €10 | €0Lower |
| Markets | Stocks, ETFs, Crypto | Stocks, ETFs, Forex, CFDs, CryptoCovers more |
| Regulators | De Nederlandsche Bank, SIPC | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Platforms | Bunq app | XStation 5, XStation Mobile |
| Stock trade fee | Not confirmed | €0 |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| Retail accounts that lose money | Not confirmed | 77% |
| Currency conversion fee | Not confirmed | 0.5% |
| Deposit and withdrawal fees | Not confirmed | Free deposits; free withdrawals above 100 EUR/USD |
| 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 8.9.
- Regulators: only bunq Stocks Spain offers De Nederlandsche Bank, SIPC.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- Founded is lower at XTB: 2002 vs 2012.
- XTB is licensed in 1 more country.
- Minimum deposit is lower at XTB: €0 vs €10.
- Markets: only XTB offers Forex, CFDs.
- Platforms: only bunq Stocks Spain offers Bunq app.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only bunq Stocks Spain offers Help centre.
Our verdict on each
bunq Stocks Spain
bunq says Stocks requires an active, verified Personal account and a minimum age of 18.
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 | bunq Stocks Spain | XTB |
|---|---|---|
| Cost | 9.0 | 9.2HigherAccount fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset. |
| Offer | 8.6 | 9.2Higher |
| Trust | 9.1 | 9.5Higher |
Side by side, item by item
| Markets | bunq Stocks Spain | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | Yes | Yes |
How they place
| Ranking | bunq Stocks Spain | XTB |
|---|---|---|
| Investing | 12 of 654 | 3 of 654 |
| Stock and ETF brokers | 8 of 358 | 2 of 358 |
| Trading platforms | 6 of 24 | 2 of 24 |
Sources behind this comparison
bunq Stocks Spain
- bunq.com: 8 facts, checked September 26, 2026
- help.bunq.com: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
- sipc.org: 1 fact, 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
Every fact side by side
| Fact | bunq Stocks Spain | XTB |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app | Demo account, Mobile app, Crypto |
| Pricing model | Not confirmed | Commission free, Low fees |
| Audience | Beginners | Beginners |
| Legal entity | BUNQ US BD LLC | XTB Limited |
| Headquarters | Netherlands | Cyprus |
| Founded | 2012 | 2002Lower |
| Support channels | Email, Help centre | Email, Chat, Phone |
Crypto exchanges
| Fact | bunq Stocks Spain | 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 |
Savings
| Fact | bunq Stocks Spain | XTB |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Not confirmed | Variable |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| 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 |
Where each stands against the rest
| Fact | bunq Stocks Spain | XTB | Median |
|---|---|---|---|
| Minimum deposit | €10above the median | €0below the median | €1 |
| Stock trade fee | Not confirmed | €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 | Not confirmed | 0.5%above the median | 0.4% |
Median across 80 listed providers.
Pros and cons
bunq Stocks Spain
Pros
- Fractional shares let investors start with smaller slices of a company.
- Stocks, funds that track baskets of assets and digital assets sit in one service.
- Simple product choices suit first-time investors.
Cons
- The product choice is narrow, with no derivatives or currency trading.
- Investor protection is limited in scope and depends on the type of product held.
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
bunq Stocks Spain
Who it suits
- Readers checking the stated requirements for bunq Stocks in Spain.
Who should look elsewhere
- Traders who want forex, CFDs or futures alongside shares.
- Savers looking for cash savings rather than an investment product.
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.
Current offers
bunq Stocks Spain
Current offer
First period offer
No fees for buying or selling stocks for first 3 months: 0% for 3 months
Up to €100,000 in completed buy and sell orders
Source, checked September 26, 2026
Country by country
| Country | bunq Stocks Spain | XTB |
|---|---|---|
| Spain | Yes | No |
Questions about each
bunq Stocks Spain
Which products can be bought through the service?+
Stocks, funds that track baskets of assets and digital assets are the products on offer. Fractional shares make it possible to buy a portion of a single company's stock. The product range is focused, so anyone seeking other kinds of trading will need a different service.
Is the service aimed at beginners?+
The service is built with newcomers to investing in mind. Its simple choice of products and fractional shares help first-time investors start small and learn gradually. Investors with long experience may still prefer a broader platform for more complex strategies.
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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