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Updated September 29, 2026 · SumCue Editorial Team

eToro vs XTB

eToro scores 9.2 and XTB 9.3 out of 10. Compare their differences and shared features below.
eToro

eToro

9.2/10
Visit
XTB

XTB

Higher score in this comparison

9.3/10
Visit

Where eToro and XTB differ

eToro vs XTB
CompareeToroeToroReviewVisitVisitXTBXTBReviewVisitVisit
Minimum deposit$1 to $10,000€0
Stock trade fee$0€0
Account fee$0€0
MarketsStocks, ETFs, Forex, CFDs, Crypto, FuturesCovers moreStocks, ETFs, Forex, CFDs, Crypto
RegulatorsCyprus Securities and Exchange Commission (CySEC), SIPCCyprus Securities and Exchange Commission (CySEC), FCA, KNF
Inactivity feeNot confirmed€10
Retail accounts that lose moneyNot confirmed77%
Currency conversion feeNot confirmed0.5%
Deposit and withdrawal feesNot confirmedFree deposits; free withdrawals above 100 EUR/USD
PlatformsNot confirmedXStation 5, XStation Mobile
Account typesISANot confirmed
Maximum retail leverageNot confirmed1:30

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 9.2.
  • Regulators: only eToro offers SIPC.
  • Regulators: only XTB offers FCA, KNF.
  • Founded is lower at XTB: 2002 vs 2007.
  • XTB is licensed in 1 more country.
  • Markets: only eToro offers Futures.
  • Support channels: only eToro offers Help centre.
  • Support channels: only XTB offers Email, Chat, Phone.
  • Features: only eToro offers Fractional shares, Copy trading.
  • Pricing model: only XTB offers Low fees.

Our verdict on each

eToro

eToro suits new investors who want shares, crypto and cash interest in a single app, with an account fee of $0 and a stock trade fee of $0. The catch is the withdrawal fee of $5 flat fee, which makes it a poor fit for anyone moving small sums in and out often.

Read the full eToro review

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%.

Read the full XTB review

Score breakdown

eToro vs XTB
AreaeToroXTB
Cost9.3HigherAccount fee $0 and stock trade fee $0 rank 1 and 1, while withdrawals cost $5 flat fee.9.2Account fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset.
Offer8.89.2Higher
Trust9.29.5Higher

Choosing between them

Pick eToro if markets matter most.

Pick XTB if offer and trust matter most.

How they place

eToro vs XTB
RankingeToroXTB
Savings4 of 14922 of 1492
Savings accounts3 of 6582 of 658
Credit and debit cards3 of 15941 of 1594
Investing5 of 6543 of 654
Stock and ETF brokers4 of 3582 of 358
Trading platforms4 of 242 of 24
Forex brokers4 of 1472 of 147
Crypto3 of 4282 of 428

Licences and countries

eToro vs XTB
CountryeToroXTB
Cyprus
PolandNot confirmed
United KingdomNot confirmed
United States
SIPC SIPC member 70212
Not confirmed

Every fact side by side

eToro vs XTB
FacteToroXTB
FeaturesCrypto, Demo account, Fractional shares, Copy trading, Mobile appCovers moreDemo account, Mobile app, Crypto
Pricing modelCommission freeCommission free, Low feesCovers more
AudienceBeginnersBeginners
Legal entityeToro (Europe) LtdXTB Limited
HeadquartersCyprusCyprus
Founded20072002Lower
Support channelsHelp centreEmail, Chat, Phone

Crypto exchanges

eToro vs XTB
FacteToroXTB
Taker fee1%0%Lower
Coins listedfrom 15045
Fiat deposit methodsCard, BankCovers moreBank
Maker feeNot confirmed0%
Withdrawal fee$5 flat feeFree above 100 USD/EUR
DerivativesYesYes
Exchange typeCexCex

Savings

eToro vs XTB
FacteToroXTB
Headline rate3.8%4%Higher
Rate typeVariableVariable
Deposit protectionEU DGS up to EUR 100,000FSCS up to GBP 85,000
Access termsInterest on USD cash balance, no lock-in, withdraw at any time, calculated daily and paid monthlyInterest 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 kindCash managementEasy access

Robo-advisors

eToro vs XTB
FacteToroXTB
Management fee0%Not confirmed
Minimum investment$500Not confirmed
Portfolio typesETF, ESG, Cash, CryptoNot confirmed

Crypto wallets

eToro vs XTB
FacteToroXTB
Wallet typeMobileNot confirmed
CustodyCustodialNot confirmed

Where each stands against the rest

eToro vs XTB
FacteToroXTBMedian
Inactivity feeNot confirmed€10above the median€2.45
Retail accounts that lose moneyNot confirmed77%highest quarter72.21%
Currency conversion feeNot confirmed0.5%above the median0.4%

Median across 77 listed providers.

Pros and cons

eToro

Pros

  • Interest on the USD cash balance pays 3.8% on a variable basis, calculated daily and paid monthly, and withdrawals are allowed at any time.
  • Regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC, with client asset protection of EU ICS up to EUR 20,000 and deposit protection of EU DGS up to EUR 100,000.
  • Minimum deposit $1 to $10,000 and minimum portfolio investment $500 keep the starting point low, and fractional shares are among the listed features.

Cons

  • Withdrawal costs $5 flat fee each time, which makes small, regular transfers expensive next to the $0 stock trade fee.
  • Client asset protection of EU ICS up to EUR 20,000 sits well below deposit protection of EU DGS up to EUR 100,000, so a large share portfolio can outrun the cover.
  • Taker fee 1% sits above the 0.25% median, which matters for anyone trading crypto often rather than holding.

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

eToro

Who it suits

  • New investors, since the audience is listed as beginners and the minimum deposit is $1 to $10,000.
  • Investors who want cash and markets together, with USD balance interest at 3.8% alongside stocks, etfs and forex.
  • UK savers who want a tax wrapper, since an ISA sits among the isa on offer.

Who should look elsewhere

  • bunq, which covers stocks, etfs and crypto and suits anyone who wants shares, ETFs and crypto and can set derivatives aside.
  • CFI, for readers who want stocks, etfs and forex and can leave futures aside; eToro is the wider of the two.
  • Fiesta Credito MX, which answers to CONDUSEF rather than Cyprus Securities and Exchange Commission (CySEC) and SIPC, for readers trading outside those markets.

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

eToro

What does eToro charge to open and run an account?+

The account fee is $0 and the monthly fee is $0, so the account costs nothing to hold. Stock trades are charged at $0 and the platform describes itself as commission-free. Managed portfolios carry a management fee of 0%. Money moving out is the exception, at $5 flat fee per withdrawal.

Is my money protected at eToro?+

eToro is regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC. Client assets sit under investor protection of EU ICS up to EUR 20,000, while cash deposits are covered by a separate scheme at EU DGS up to EUR 100,000. These ceilings are very different, so anyone holding a large share portfolio should treat the lower figure as the real limit on recovery.

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

eToro

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XTB

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