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Updated September 29, 2026 · SumCue Editorial Team

Finom vs XTB

Finom scores 8.9 and XTB 9.3 out of 10. Compare their differences and shared features below.
Finom

Finom

8.9/10
Visit
XTB

XTB

Higher score in this comparison

9.3/10
Visit

Finom vs XTB: the differences

Finom vs XTB
CompareFinomFinomReviewVisitVisitXTBXTBReviewVisitVisit
Headline rate5%Higher4%
Rate typeFixedVariable
Deposit protectionEU DGS up to EUR 100,000FSCS up to GBP 85,000
Access termsInstant access, withdraw at any time with no withdrawal penaltiesInterest 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
RegulatorsNot confirmedCyprus Securities and Exchange Commission (CySEC), FCA, KNF

Same on both: Minimum deposit (€0).

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.
  • Founded is lower at XTB: 2002 vs 2019.
  • XTB is licensed in 1 more country.
  • Headline rate is higher at Finom: 5% vs 4%.
  • Support channels: only Finom offers Help centre, Community.
  • Support channels: only XTB offers Phone.
  • Pricing model: only Finom offers No monthly fee, Fixed rate.
  • Pricing model: only XTB offers Commission free, Low fees.

Our verdict on each

Finom

Finom is a cash management account for a business audience that pays a fixed 5% headline with a monthly fee of €0 and instant access whenever cash is needed. It suits companies that hold euro reserves and want deposit protection of EU DGS up to EUR 100,000 without locking the money away.

Read the full Finom 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

Finom vs XTB
AreaFinomXTB
Cost9.3HigherRunning costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0.9.2Account fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset.
Offer9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward.9.2
Trust8.29.5Higher

Licences and countries

Finom vs XTB
CountryFinomXTB
Cyprus
NetherlandsNot confirmed
PolandNot confirmed
United KingdomNot confirmed

Where they rank in our lists

Finom vs XTB
RankingFinomXTB
Savings3 of 14922 of 1492
Credit and debit cards2 of 15941 of 1594

Sources behind this comparison

Finom

  • finom.co: 12 facts, checked September 26, 2026

XTB

  • xtb.com: 8 facts, checked September 26, 2026
  • esma.europa.eu: 2 facts, checked September 26, 2026
  • hello-brokers.com: 2 facts, checked September 26, 2026
  • linkedin.com: 1 fact, checked September 26, 2026

Every fact side by side

Finom vs XTB
FactFinomXTB
Pricing modelNo monthly fee, Fixed rateCommission free, Low fees
Legal entityPNL Fintech B.V.XTB Limited
HeadquartersNetherlandsCyprus
Founded20192002Lower
Support channelsEmail, Chat, Help centre, CommunityEmail, Chat, Phone

Credit cards

Finom vs XTB
FactFinomXTB
Currency conversion feeNot confirmed0.5%
Rewards typeCashbackNot confirmed
FeaturesRewardsDemo account, Mobile app, Crypto
Rewards rateup to 3%Not confirmed
AudienceBusinessBeginners

Crypto exchanges

Finom vs XTB
FactFinomXTB
Taker feeNot confirmed0%
Coins listedNot confirmed45
Fiat deposit methodsNot confirmedBank
Maker feeNot confirmed0%
Withdrawal feeNot confirmedFree above 100 USD/EUR
DerivativesNot confirmedYes
Exchange typeNot confirmedCex

Where each stands against the rest

Finom vs XTB
FactFinomXTBMedian
Headline rate5%above the median4%above the median3.3%
Minimum deposit€0below the median€0below the median€1

Median across 710 listed providers.

Pros and cons

Finom

Pros

  • A fixed 5% headline, above bunq at 3.01% and Wise at 3.29%.
  • The cash management account carries a monthly fee of €0 and a minimum deposit of €0, so nothing is taken back out of the balance.
  • Instant access with no withdrawal penalties, so cash can move the same day it lands.

Cons

  • Support runs on email, chat and help centre only, so an urgent payment problem has no phone line to call.
  • The fixed 5% rate is set rather than linked, so it carries no upside if market rates climb further.
  • Deposit protection runs as EU DGS up to EUR 100,000, so a balance above that ceiling carries the risk itself.

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

Finom

Who it suits

  • Companies that keep euro working capital in one place and draw on it as invoices clear, on a fixed rate of 5%.
  • Business owners who care more about fees than flexibility, since the monthly charge is €0.
  • Firms that want deposit protection of EU DGS up to EUR 100,000 without giving up instant access.

Who should look elsewhere

  • Personal savers weighing bunq or Wise, because the account is built for a business audience rather than households.
  • Anyone who needs a phone line, since support runs on email, chat and help centre only while 80.2% of savings brands take calls.
  • Anyone holding more cash than the guarantee scheme covers, since protection runs as EU DGS up to EUR 100,000.

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

Finom

Current offer

  • Bonus

    Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000

    Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply

    Source, checked September 26, 2026

  • Free trial

    30-day trial on paid plans: 30 days

    Paid Basic and Smart plans, excl. VAT; paid monthly or yearly

    Source, checked September 26, 2026

  • First period offer

    3 months for free for partners customers only: 3 months free

    Customers introduced through the Finom Partner Program

    Source, checked September 26, 2026

Country by country

Finom vs XTB
CountryFinomXTB
AustriaYesNo
BelgiumYesNo
CyprusYesNo
FranceYesNo
GermanyYesNo
IrelandYesNo
ItalyYesNo
NetherlandsYesNo

8 of 11 countries where either is available.

Questions about each

Finom

What interest rate does Finom pay?+

Finom pays a headline rate of 5% on its cash management account, and the rate is fixed. That figure is set rather than something that follows a base rate, so the headline shown is the rate the account pays for as long as it runs. Cashback of up to 3% adds a further stream of return on top of the interest.

Is there a monthly or annual fee?+

Monthly fees on the cash management account are €0, and the pricing model is a no monthly fee setup alongside a fixed rate. The interest is the return line and nothing further is taken from the balance, so a business holding a large euro float keeps the whole 5% headline.

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

Finom

Visit

XTB

Visit