Updated September 29, 2026 · SumCue Editorial Team
Revolut vs XTB
Revolut
XTB
Higher score in this comparison
Revolut vs XTB: the differences
| Compare | RevolutReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Taker fee | 0.09% | 0%Lower |
| Coins listed | 200 to 230Higher | 45 |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), LT BL | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Fiat deposit methods | Card, BankCovers more | Bank |
| Withdrawal fee | network fee plus service fee | Free above 100 USD/EUR |
| Derivatives | No | YesHas it |
Same on both: Maker fee (0%), Exchange type (Cex).
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Key differences
- XTB scores higher overall: 9.3 vs 9.2.
- Regulators: only Revolut offers LT BL.
- Regulators: only XTB offers FCA, KNF.
- Founded is lower at XTB: 2002 vs 2015.
- Taker fee is lower at XTB: 0% vs 0.09%.
- Coins listed is higher at Revolut: 200 to 230 vs 45.
- Fiat deposit methods: only Revolut offers Card.
- Derivatives: only XTB.
- Support channels: only Revolut offers Help centre.
- Features: only Revolut offers Multi currency, Virtual card, Travel.
Our verdict on each
Revolut
Revolut suits people who want everyday banking, travel spending and easy-access savings in one app. Its debit account has a monthly fee of £0, a free ATM allowance of £200 and multi-currency, virtual-card and travel features, although its currency conversion fee can reach 0% to 2%.
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 | Revolut | XTB |
|---|---|---|
| Cost | 9.4HigherThe debit account has a monthly fee of £0, while its currency conversion fee is 0% to 2%. | 9.2Account fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset. |
| Offer | 9.8HigherThe offer includes multi-currency, virtual-card and travel features, plus a headline savings rate of 4%. | 9.2 |
| Trust | 8.5 | 9.5Higher |
Licences and countries
| Country | Revolut | XTB |
|---|---|---|
| Cyprus | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| United Kingdom | ||
| Lithuania | LT_BL PSD_EMI LT_LT_BL_304940980 | Not confirmed |
| Poland | Not confirmed |
Where these facts come from
Revolut
- datawallet.com: 5 facts, checked September 26, 2026
- esma.europa.eu: 3 facts, checked September 26, 2026
- coinweb.com: 1 fact, checked September 26, 2026
- cryptoexchange.org.uk: 1 fact, checked September 26, 2026
- en.wikipedia.org: 1 fact, 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
How they place
| Ranking | Revolut | XTB |
|---|---|---|
| Savings | 22 of 1492 | 2 of 1492 |
| Savings accounts | 14 of 658 | 2 of 658 |
| Credit and debit cards | 24 of 1594 | 1 of 1594 |
| Investing | 139 of 654 | 3 of 654 |
| Crypto | 20 of 428 | 2 of 428 |
Every fact side by side
| Fact | Revolut | XTB |
|---|---|---|
| Features | Multi currency, Virtual card, Travel | Demo account, Mobile app, Crypto |
| Legal entity | Revolut Digital Assets (Europe) Ltd | XTB Limited |
| Headquarters | Cyprus | Cyprus |
| Founded | 2015 | 2002Lower |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Chat, Phone |
Savings
| Fact | Revolut | XTB |
|---|---|---|
| Headline rate | 4% | 4% |
| Rate type | Variable | Variable |
| Minimum deposit | £0 | €0 |
| Deposit protection | FSCS up to GBP 85,000 | FSCS up to GBP 85,000 |
| Pricing model | No monthly fee | Commission free, Low fees |
| Access terms | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits | 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 |
Credit cards
| Fact | Revolut | XTB |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| APR | 13.34% to 17.99% | Not confirmed |
| Currency conversion fee | 0% to 2%Lower | 0.5% |
| Rewards type | Points | Not confirmed |
| Rewards rate | 1.5 points per EUR1 | Not confirmed |
| Card kind | Credit | Not confirmed |
| Audience | Not confirmed | Beginners |
Loans
| Fact | Revolut | XTB |
|---|---|---|
| Loan types | Personal | Not confirmed |
Robo-advisors
| Fact | Revolut | XTB |
|---|---|---|
| Management fee | 0% | Not confirmed |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Account types | ISA, Joint | Not confirmed |
| Portfolio types | ETF, Cash, Crypto | Not confirmed |
Where each stands against the rest
| Fact | Revolut | XTB | Median |
|---|---|---|---|
| Taker fee | 0.09%below the median | 0%lowest quarter | 0.15% |
| Coins listed | 200 to 230above the median | 45below the median | 89.5 |
| Maker fee | 0%below the median | 0%below the median | 0.1% |
Median across 222 listed providers.
Pros and cons
Revolut
Pros
- The debit account has a monthly fee of £0 and a free ATM allowance of £200.
- Savings offer instant access through the Revolut app, fee-free withdrawals and no withdrawal limits.
- The debit card includes multi-currency, virtual-card and travel features.
Cons
- Currency conversion fees can reach 0% to 2%, which may add cost when travelling or spending abroad.
- Crypto withdrawals carry network fee plus service fee.
- The savings rate is variable at variable, so the headline return may change.
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
Revolut
Who it suits
- People who use Revolut for everyday spending and travel.
- Savings users wanting app-based easy access with fee-free withdrawals.
- Customers who want debit, credit, savings, investing and crypto services together.
Who should look elsewhere
- Wise users prioritising a lower stated currency conversion fee of 0.1%.
- Varo Believe Secured Credit Card users seeking a secured credit card rather than Revolut's debit and credit products.
- bunq users focused on comparing the stated monthly fee of €0 against Revolut's fee.
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.
Country by country
| Country | Revolut | XTB |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
8 of 29 countries where either is available.
Questions about each
Revolut
What is Revolut's debit card monthly fee?+
Revolut's debit account has a monthly fee of £0. The card is a debit card on the Visa network, with multi-currency, virtual-card and travel features included in the stated offer.
How much can I withdraw from Revolut ATMs?+
The stated free ATM allowance is £200. Revolut is ranked 15 for this measure among 124 listed brands.
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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