Updated September 29, 2026 · BrokerCue Editorial Team
Avanza vs XTB
Where Avanza and XTB differ
| Compare |  Avanza |  XTB |
|---|---|---|
| Stock trade fee | SEK 1 | €0 |
| Account fee | SEK 0 | €0 |
| Markets | Stocks, ETFs, Funds | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | Finansinspektionen | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Platforms | Avanza Platform, Avanza App | 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: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- XTB scores higher overall: 9.3 vs 8.9.
- Regulators: only Avanza offers Finansinspektionen.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- Founded is lower at Avanza: 1999 vs 2002.
- XTB is licensed in 2 more countries.
- Markets: only Avanza offers Funds.
- Markets: only XTB offers Forex, CFDs, Crypto.
- Platforms: only Avanza offers Avanza Platform, Avanza App.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Features: only XTB offers Demo account, Crypto.
Our verdict on each
Avanza
Avanza suits Swedish and European beginners who want a regulated home for stocks, ETFs and funds without an account charge. Its account fee is SEK 0 and each stock trade costs SEK 1, with money covered by EU ICS up to EUR 20,000 and watched by Finansinspektionen.
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 | Avanza | XTB |
|---|---|---|
| Cost | 9.0Account fee is SEK 0 and the stock trade fee is SEK 1 on a low-fees model, against a site account fee median of €0. | 9.1Higher |
| Offer | 8.8 | 9.3Higher |
| Trust | 9.0 | 9.6Higher |
What each covers
| Markets | Avanza | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | No | Yes |
| Funds | Yes | No |
Positions in our rankings
| Ranking | Avanza | XTB |
|---|---|---|
| Stock and ETF brokers | 154 of 471 | 3 of 471 |
| Brokers for beginners | 40 of 88 | 1 of 88 |
Every fact side by side
| Fact | Avanza | XTB |
|---|---|---|
| Features | Mobile app | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Low fees | Commission free, Low feesCovers more |
| Audience | Beginners | Beginners |
| Legal entity | Avanza Bank Holding AB | XTB Limited |
| Headquarters | Sweden | Cyprus |
| Founded | 1999Lower | 2002 |
| Support channels | Not confirmed | Email, Chat, Phone |
Where each stands against the rest
| Fact | Avanza | XTB | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | €0below the median | €1 |
| Inactivity fee | Not confirmed | €10above the median | €2.45 |
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 72.05% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.45% |
Median across 47 listed brokers.
Pros and cons
Avanza
Pros
- No account charge: the account fee is SEK 0, and Avanza ranks at 1 of 138 brands on that measure.
- Stock trades cost SEK 1 on a low-fees model, below the site stock trade fee median of €0.
- Regulated in Sweden by Finansinspektionen, and EU ICS up to EUR 20,000 covers eligible holdings.
Cons
- Coverage is limited to stocks, etfs and funds, so traders who want forex, CFDs or crypto must look elsewhere.
- The account sits with Avanza Bank Holding AB in Sweden, so money is in a Swedish account rather than a UK one.
- Regulator count is thin: Finansinspektionen is the only entry, which limits cross-border reassurance for readers in other markets.
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
Avanza
Who it suits
- Beginners building a first share and fund portfolio in Sweden
- Long-term holders who want EU ICS up to EUR 20,000 behind their holdings
- Investors who trade through the app and prefer one account charge of SEK 0
Who should look elsewhere
- Traders after forex, CFDs or crypto, since Avanza lists stocks, etfs and funds only
- Readers who want a UK-listed provider and the account type that goes with it
- Anyone who needs a wide spread of regulated entities beyond Finansinspektionen
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 | Avanza | XTB |
|---|---|---|
| Sweden | Yes | No |
Questions about each
Avanza
How much does Avanza cost to open and run an account?+
The account fee is SEK 0, so holding the account does not cost anything on its own. Each stock trade is SEK 1 on a low-fees model. That puts Avanza near the top of the site ranking for account fees at 1 of 138 brands.
What can I actually buy and sell on Avanza?+
The listed markets are stocks, etfs and funds. So the account is built for direct share dealing, ETF buying and fund investment rather than leveraged products. Readers who want forex, CFDs or crypto will need a different broker for those instruments.
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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