Updated October 1, 2026 · BrokerCue Editorial Team
Afranga vs XTB
Where Afranga and XTB differ
| Compare |  Afranga |  XTB |
|---|---|---|
| Minimum deposit | €10 | €0Lower |
| Regulators | Financial Supervision Commission of Bulgaria | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Investor protection | None: not covered by any deposit guarantee scheme or investor compensation scheme | EU ICS up to EUR 20,000 |
| Deposit and withdrawal fees | Depositing money Free; Withdrawing money Free | Free deposits; free withdrawals above 100 EUR/USD |
| Stock trade fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| Markets | Not confirmed | Stocks, ETFs, Forex, CFDs, Crypto |
| Retail accounts that lose money | Not confirmed | 77% |
| Currency conversion fee | Not confirmed | 0.5% |
| Platforms | Not confirmed | XStation 5, XStation Mobile |
| Maximum retail leverage | Not confirmed | 1:30 |
Same on both: Account fee (€0).
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Key differences
- Regulators: only Afranga offers Financial Supervision Commission of Bulgaria.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- Founded is lower at XTB: 2002 vs 2021.
- XTB is licensed in 2 more countries.
- Minimum deposit is lower at XTB: €0 vs €10.
- Support channels: only Afranga offers Help centre, Community.
- Support channels: only XTB offers Chat.
- Pricing model: only XTB offers Commission free.
Our verdict on each
Afranga
Afranga suits beginners who want a small entry point and a published target range on business lending. Charges of €0 and Depositing money Free; Withdrawing money Free keep running costs light, though 8% to 16% is a target rather than a promise and investor protection is listed as none.
XTB
XTB suits retail traders who want to hold stocks, ETFs, forex, CFDs and crypto under one Cyprus-based account without a monthly charge. The account fee is €0, deposits cost nothing, and CySEC, FCA and KNF authorisations sit behind a legal entity founded in 2002.
Score breakdown
| Area | Afranga | XTB |
|---|---|---|
| Cost | 10.0HigherAccount fee is €0 and Depositing money Free; Withdrawing money Free shows both directions are free. | 9.1 |
| Offer | 9.5HigherTarget return of 8% to 16% tops Fingood's 10% to 12.9%, a secondary market is available and minimum investment is €10. | 9.3 |
| Trust | 8.7Licensed under 863/12.09.2023, with no deposit guarantee or investor compensation scheme behind the money. | 9.6Higher |
Pick Afranga if, pick XTB if
Pick Afranga if cost matter most.
Pick XTB if trust and minimum deposit matter most.
What we checked
Afranga
- afranga.com: 10 facts, checked October 1, 2026
- fsc.bg: 1 fact, checked October 1, 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 | Afranga | XTB |
|---|---|---|
| Brokers for beginners | 9 of 88 | 1 of 88 |
Every fact side by side
| Fact | Afranga | XTB |
|---|---|---|
| Features | Not confirmed | Demo account, Mobile app, Crypto |
| Pricing model | Low fees | Commission free, Low feesCovers more |
| Audience | Beginners | Beginners |
| Legal entity | Afranga EOOD | XTB Limited |
| Headquarters | Bulgaria | Cyprus |
| Founded | 2021 | 2002Lower |
| Support channels | Email, Phone, Help centre, Community | Email, Chat, Phone |
Where each stands against the rest
| Fact | Afranga | XTB | Median |
|---|---|---|---|
| Minimum deposit | €10above the median | €0below the median | €1 |
| Stock trade fee | Not confirmed | €0below the median | €1 |
| Account fee | €0at the median | €0at the median | €0 |
| Inactivity fee | Not confirmed | €10above the median | €0 |
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 70.375% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.4% |
Median across 38 listed brokers.
Pros and cons
Afranga
Pros
- The account fee is €0, so holding an account is free.
- Cash handling costs nothing either way: Depositing money Free; Withdrawing money Free.
- Minimum investment of €10 is the lowest of the 6 brands ranked on it, at position 1.
Cons
- There is no buyback guarantee, so a loan that goes unpaid stays on your books.
- Investor protection is listed as none, so a default on a loan you funded comes straight out of your own pocket.
- Afranga publishes a target return of 8% to 16%, while Fingood's 10% to 12.9% gives you a tighter band to plan around.
XTB
Pros
- Account fee of €0 on the standard account, and stock trades cost €0.
- Minimum deposit of €0, so the account opens without a funding floor.
- Regulated by CySEC, the FCA and KNF across Cyprus, the UK and Poland.
Cons
- An inactivity fee of €10 applies, unlike eToro, which has no such charge.
- Forex and CFD trading is not cost free: fx trading costs 0.5%.
- CFDs carry a high proportion of losing retail accounts, and XTB's own figure is 77%.
Who each suits
Afranga
Who it suits
- Beginners putting a small first amount into business loans rather than trying it with a large sum.
- Investors who want the 8% to 16% target range without an account fee eating into it.
- Anyone comfortable that the money sits outside any deposit guarantee or investor compensation scheme.
Who should look elsewhere
- Fingood, if you would rather plan around a narrower return band of 10% to 12.9% than the wider 8% to 16% Afranga publishes.
- Anyone who relies on live chat, since support runs on email, phone, help centre and 1 more.
XTB
Who it suits
- Retail traders in the UK and Europe who want stocks, ETFs, forex, CFDs and crypto in one account
- Beginners who want a demo account and a mobile app before committing money
- Cost conscious traders who will not hold a balance large enough to trigger the inactivity fee
Who should look elsewhere
- Vantage, if a small minimum deposit of $5 suits a smaller starting balance better
- CFI, for traders who want forex and CFDs without paying an fx charge of 0.5%
- Anyone who plans to hold an idle balance for a long period, given the inactivity fee of €10
Country by country
| Country | Afranga | 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 31 countries where either is available.
Questions about each
Afranga
How much does it cost to hold an account with Afranga?+
The account fee is €0, so holding an account is free. Most of the brands listed also charge nothing, though the highest account fee in the group reaches €348.65. Afranga sits with the majority rather than against them.
Does it cost anything to move money in or out?+
Depositing money is free and withdrawing money is free, so Depositing money Free; Withdrawing money Free applies to both sides. That means a small starting balance can be topped up or taken out without a charge eating into it, which matters more when your minimum is €10.
XTB
What does XTB charge to open and hold an account?+
The account fee is €0, so there is no monthly or annual cost to keeping the account open. A stock trade costs €0 on the same account. The only recurring charge to watch is an inactivity fee of €10 for traders whose balance sits idle.
Is there a minimum deposit at XTB?+
The minimum deposit is €0, which means the account can be opened and funded with a small amount. It is a lower floor than the $5 asked by Vantage, so it suits a trader testing the platform before scaling up.
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