Updated September 29, 2026 · BrokerCue Editorial Team
AvaTrade vs XTB
Where AvaTrade and XTB differ
| Compare | AvaTrade ReviewSee alternativesSee alternatives |  XTB |
|---|---|---|
| Minimum deposit | $100 | €0 |
| Stock trade fee | $0 | €0 |
| Inactivity fee | $50 | €10 |
| Markets | Stocks, ETFs, Forex, CFDs, Options, Crypto, BondsCovers more | Stocks, ETFs, Forex, CFDs, Crypto |
| Deposit and withdrawal fees | No deposit or withdrawal fees | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | MetaTrader 4, MetaTrader 5, AvaTradeGO, WebTrader | XStation 5, XStation Mobile |
| Account fee | Not confirmed | €0 |
| Regulators | Not confirmed | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Investor protection | Not confirmed | EU ICS up to EUR 20,000 |
| Retail accounts that lose money | Not confirmed | 77% |
| Currency conversion fee | Not confirmed | 0.5% |
| Maximum retail leverage | Not confirmed | 1:30 |
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Key differences
- XTB scores higher overall: 9.3 vs 9.2.
- Markets: only AvaTrade offers Options, Bonds.
- Platforms: only AvaTrade offers MetaTrader 4, MetaTrader 5, AvaTradeGO.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Features: only AvaTrade offers Copy trading.
- Features: only XTB offers Crypto.
- Pricing model: only XTB offers Low fees.
Our verdict on each
AvaTrade
AvaTrade is a commission-free CFD and forex broker for traders who want no deposit or withdrawal charges and free stock dealing, and who can start at a minimum deposit of $100. The catch is an inactivity fee of $50 on dormant accounts, so this suits active traders rather than occasional investors.
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 | AvaTrade | XTB |
|---|---|---|
| Cost | 8.7Stock dealing costs $0 with no deposit or withdrawal fees, offset by an inactivity fee of $50. | 9.1Higher |
| Offer | 9.8Higher | 9.3 |
| Trust | Not confirmed | 9.6 |
How they place
| Ranking | AvaTrade | XTB |
|---|---|---|
| Stock and ETF brokers | 89 of 471 | 3 of 471 |
| Forex brokers | 40 of 147 | 2 of 147 |
| Low-spread forex brokers | 38 of 145 | 2 of 145 |
| CFD brokers | 31 of 122 | 2 of 122 |
Choosing between them
Pick AvaTrade if offer and markets matter most.
Pick XTB if cost matter most.
Where each is licensed and available
| Country | AvaTrade | XTB |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed |
What each covers
| Markets | AvaTrade | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | Yes |
| CFDs | Yes | Yes |
| Options | Yes | No |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
Every fact side by side
| Fact | AvaTrade | XTB |
|---|---|---|
| Features | Demo account, Mobile app, Copy trading | Demo account, Mobile app, Crypto |
| Pricing model | Commission free | Commission free, Low feesCovers more |
| Audience | Not confirmed | Beginners |
| Legal entity | Not confirmed | XTB Limited |
| Headquarters | Not confirmed | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Not confirmed | Email, Chat, Phone |
Where each stands against the rest
| Fact | AvaTrade | XTB | Median |
|---|---|---|---|
| Account fee | Not confirmed | €0at the median | €0 |
| 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 52 listed brokers.
Pros and cons
AvaTrade
Pros
- Stock dealing is free, with a stock trade fee of $0
- No deposit or withdrawal fees, so funding and getting money out cost nothing
- A demo account, a mobile app and copy trading are all offered
Cons
- Dormant accounts attract an inactivity fee of $50
- The minimum deposit of $100 is higher than the site median of €4.64
- Copy trading sits well below the site average of 9.6%
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
AvaTrade
Who it suits
- Traders who keep an account active and want free deposits and withdrawals
- Anyone who wants to trade forex, CFDs, options and crypto in one place
- Copy traders who want to follow other people's positions as well as run their own
Who should look elsewhere
- Investors who need a tax-sheltered investment account
- Anyone who would leave a balance sitting untouched for long periods
- CFI or Vantage suit people who want a lower starting deposit
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
Questions about each
AvaTrade
What does it cost to trade stocks at AvaTrade?+
Stock dealing carries a stock trade fee of $0, and pricing is commission-free, so there is no separate dealing commission layered on top. Other costs are thinner too: funding an account carries no deposit fee.
What is the smallest amount needed to open an account?+
The minimum deposit is $100. That sits above the site median of €4.64 and above the lower quartile of €0, so it is a higher starting bar than many brokers on the site.
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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