Updated September 29, 2026 · SumCue Editorial Team
bunq vs XTB
bunq
XTB
Higher score in this comparison
bunq vs XTB: the differences
| Compare | bunqReviewVisitVisit | 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 |
| Currency conversion fee | 0.5% to 3% | 0.5% |
| 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% |
| 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 8.8.
- Regulators: only bunq 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.
- bunq is licensed in 4 more countries.
- Minimum deposit is lower at XTB: €0 vs €10.
- Markets: only XTB offers Forex, CFDs.
- Platforms: only bunq offers Bunq app.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only bunq offers Help centre.
Our verdict on each
bunq
bunq fits expats and anyone living across Europe who wants a euro account that pays interest on everyday money and handles spending and investing in the same app. Savings pay 3.01% on an easy access balance held under EU DGS up to EUR 100,000, with interest credited weekly.
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 | XTB |
|---|---|---|
| Cost | 9.5HigherThe plan carries a monthly fee of €0 and an annual fee of €0, with deposits starting from €10. | 9.2Account fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset. |
| Offer | 8.3 | 9.2Higher |
| Trust | 8.5 | 9.5Higher |
Side by side, item by item
| Markets | bunq | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | Yes | Yes |
Which one suits you
Pick bunq if cost matter most.
Pick XTB if offer, minimum deposit, and markets matter most.
Availability and regulation
| Country | bunq | XTB |
|---|---|---|
| Belgium | Nationale Bank van Belgie / Banque Nationale de Belgique (NBB) BE 0769.451.708 | Not confirmed |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| France | Banque de France SIREN 893970970 | Not confirmed |
| Germany | Not confirmed | |
| Ireland | Central Bank of Ireland 909737 | Not confirmed |
| Italy | Banca d'Italia MI - 2628476 | Not confirmed |
| Netherlands | Not confirmed | |
| Poland | Not confirmed |
Where these facts come from
bunq
- bunq.com: 11 facts, checked September 26, 2026
- help.bunq.com: 2 facts, checked September 26, 2026
- en.wikipedia.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
How they place
| Ranking | bunq | XTB |
|---|---|---|
| Savings | 10 of 1492 | 2 of 1492 |
| Savings accounts | 7 of 658 | 2 of 658 |
| Credit and debit cards | 9 of 1594 | 1 of 1594 |
| Investing | 13 of 654 | 3 of 654 |
| Stock and ETF brokers | 9 of 358 | 2 of 358 |
| Crypto | 7 of 428 | 2 of 428 |
Every fact side by side
| Fact | bunq | XTB |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app | Demo account, Mobile app, Crypto |
| Pricing model | Monthly | Commission free, Low fees |
| Audience | Expats | Beginners |
| Legal entity | bunq B.V. | XTB Limited |
| Headquarters | Netherlands | Cyprus |
| Founded | 2012 | 2002Lower |
| Support channels | Email, Help centre | Email, Chat, Phone |
Savings
| Fact | bunq | XTB |
|---|---|---|
| Headline rate | 3.01% | 4%Higher |
| Rate type | Variable | Variable |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly | 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 |
Debit cards
| Fact | bunq | XTB |
|---|---|---|
| Card type | Debit | Not confirmed |
| Card network | Mastercard | Not confirmed |
| Currencies | 8 | Not confirmed |
Crypto exchanges
| Fact | bunq | XTB |
|---|---|---|
| Taker fee | 0.25% to 1.99% | 0%Lower |
| Coins listed | from 350 | 45 |
| Fiat deposit methods | Not confirmed | Bank |
| Maker fee | 0.25% to 1.99% | 0%Lower |
| Withdrawal fee | Not confirmed | Free above 100 USD/EUR |
| Derivatives | Not confirmed | Yes |
| Exchange type | Cex | Cex |
Credit cards
| Fact | bunq | XTB |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Card kind | Credit | Not confirmed |
Where each stands against the rest
| Fact | bunq | 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 | 0.5% to 3%above the median | 0.5%above the median | 0.4 |
Median across 80 listed providers.
Pros and cons
bunq
Pros
- Investing sits in the same app, with stocks, etfs and crypto and fractional shares among the plan features.
- The card runs on mastercard, and conversion costs 0.5% to 3% across 8 currencies.
- Regulated in the Netherlands by De Nederlandsche Bank, with savings under EU DGS up to EUR 100,000 and investments under EU ICS up to EUR 20,000.
Cons
- Support runs on email and help centre only.
- The rate is variable, so the 3.01% headline can move in either direction.
- Crypto trades cost 0.25% to 1.99%, with maker fees of 0.25% to 1.99%.
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
Who it suits
- Anyone banking across the euro area, since bunq is licensed in the Netherlands, Germany, France, Spain, Ireland, Italy and Belgium.
- People who want saving, spending and investing in one place, since crypto, fractional shares and mobile app all run through bunq app.
- Savers who want interest without being locked into a term, since the account is easy access.
Who should look elsewhere
- Linxea, where €25 is the starting premium on a life insurance product rather than a balance that pays interest.
- Oney Préstamos ES, where €1,000 is a borrowing amount to repay, not money you hold.
- Euroasia Insurance, where UZS 60,000 buys car cover, not euro banking.
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
Current offer
First period offer
bunq Pro free for students: bunq Pro for EUR0/month while studying (normally EUR9.99/month)
Students only; Enjoy bunq Pro for free while you study
Source, checked September 26, 2026
Free trial
30-day free trial: 30 days free
Open your account in just 5 minutes and start your 30-day free trial today
Source, checked September 26, 2026
Country by country
| Country | bunq | XTB |
|---|---|---|
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Spain | Yes | No |
Questions about each
bunq
How much does a bunq account cost?+
The standard plan carries a monthly fee of €0 and an annual fee of €0, so the account itself is free to hold. What you pay depends on use: currency conversion on the card runs at 0.5% to 3%, and crypto trades are charged 0.25% to 1.99%. Everything is managed in bunq app.
How much interest does bunq pay on savings?+
The savings balance pays 3.01%, and the rate is variable, which means it can move rather than being locked in for a term. Interest is paid weekly into the account, and the account is easy access.
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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