Updated September 29, 2026 · SumCue Editorial Team
S Broker vs XTB
S Broker
XTB
Higher score in this comparison
S Broker vs XTB: the differences
| Compare | S BrokerReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Stock trade fee | €0.95 | €0Lower |
| Markets | Stocks, ETFs, Funds, Bonds, Options | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | Bundesanstalt fuer Finanzdienstleistungsaufsicht, European Central Bank | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Platforms | Mobile App, Desktop, Profi Software | XStation 5, XStation Mobile |
| Minimum deposit | 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: Account fee (€0), Investor protection (EU ICS up to EUR 20,000).
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Key differences
- XTB scores higher overall: 9.3 vs 9.2.
- Regulators: only S Broker offers Bundesanstalt fuer Finanzdienstleistungsaufsicht, European Central Bank.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- XTB is licensed in 2 more countries.
- Stock trade fee is lower at XTB: €0 vs €0.95.
- Markets: only S Broker offers Funds, Bonds, Options.
- Markets: only XTB offers Forex, CFDs, Crypto.
- Platforms: only S Broker offers Mobile App, Desktop, Profi Software.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only S Broker offers Help centre.
Our verdict on each
S Broker
S Broker suits German investors who want a low cost broker to hold with, with an account fee of €0 and a stock trade fee of €0.95. The money side is a European scheme, investor protection of EU ICS up to EUR 20,000, under Bundesanstalt fuer Finanzdienstleistungsaufsicht and European Central Bank.
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 | S Broker | XTB |
|---|---|---|
| Cost | 8.9Account fee of €0 stands out; the stock trade fee of €0.95 is the part to watch. | 9.2HigherAccount fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset. |
| Offer | 9.4Higher | 9.2 |
| Trust | 9.4 | 9.5Higher |
Licences and countries
| Country | S Broker | XTB |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Germany | Not confirmed | |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed |
How they place
| Ranking | S Broker | XTB |
|---|---|---|
| Investing | 28 of 654 | 3 of 654 |
| Stock and ETF brokers | 18 of 358 | 2 of 358 |
| Trading platforms | 13 of 24 | 2 of 24 |
Every fact side by side
| Fact | S Broker | XTB |
|---|---|---|
| Features | Mobile app, Demo account | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Not confirmed | Commission free, Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | S Broker AG & Co. KG | XTB Limited |
| Headquarters | Germany | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone |
Crypto exchanges
| Fact | S Broker | 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 | S Broker | 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 | S Broker | XTB | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | €0below the median | €1 |
| Stock trade fee | €0.95below the median | €0below the median | €1.50 |
| Account fee | €0at the median | €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
S Broker
Pros
- Account fee of €0, so keeping the account open costs nothing.
- Stock trade fee of €0.95 per trade, which keeps dealing costs modest for steady buyers.
- One account covers stocks, etfs and funds, so a spread of assets sits together.
Cons
- Dealing is the pricier side, with €0.95 for each stock trade, so frequent trading adds up.
- Investor protection of EU ICS up to EUR 20,000 is a stated ceiling, so large balances sit above it.
- Support runs on email, phone and help centre only, which suits people who prefer a phone call or email to live chat.
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
S Broker
Who it suits
- German residents who want stocks, etfs and funds in a single account.
- Long term holders who care most about a standing charge of €0.
- New investors who want to practise first, as mobile app and demo account includes a demo account.
Who should look elsewhere
- Crypto traders, because bunq covers stocks, etfs and crypto while S Broker's stocks, etfs and funds stops short of crypto.
- Forex and CFD traders, since CFI covers stocks, etfs and forex.
- Readers after a lender such as Fiesta Credito MX, which works under CONDUSEF rather than Bundesanstalt fuer Finanzdienstleistungsaufsicht and European Central Bank.
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 | S Broker | XTB |
|---|---|---|
| Germany | Yes | No |
Questions about each
S Broker
How much does it cost to run an S Broker account?+
The account fee is €0, so there is no standing charge for keeping the account open, and each stock trade costs €0.95. On the site that puts S Broker at 1 of 142 brands on the account fee and 115 of 166 on dealing. Cheap to hold, ordinary to trade.
What can I buy and sell?+
One account covers stocks, etfs and funds, so shares, ETFs, funds, bonds and options sit together. Instruments such as crypto, forex and CFDs are not part of that list. If those are your plans, bunq with stocks, etfs and crypto or CFI with stocks, etfs and forex covers ground this broker does not.
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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