Updated October 13, 2026 · BrokerCue Editorial Team
Bestinvest vs XTB
Facts checked September 26, 2026.
Where Bestinvest and XTB differ
| Compare |  Bestinvest |  XTB |
|---|---|---|
| Stock trade fee | £4.95 | €0 |
| Markets | Stocks, ETFs, Funds | Stocks, ETFs, Forex, CFDs, Crypto |
| Currency conversion fee | 0.95% | 0.5%Lower |
| Platforms | Mobile app | XStation 5, XStation Mobile |
| Minimum deposit | Not confirmed | €0 |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| 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% |
| Deposit and withdrawal fees | Not confirmed | Free deposits; free withdrawals above 100 EUR/USD |
| Account types | ISA, SIPP, Jisa | Not confirmed |
| Maximum retail leverage | Not confirmed | 1:30 |
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Key differences
- Founded is lower at Bestinvest: 1986 vs 2002.
- Currency conversion fee is lower at XTB: 0.5% vs 0.95%.
- Markets: only Bestinvest offers Funds.
- Markets: only XTB offers Forex, CFDs, Crypto.
- Platforms: only Bestinvest offers Mobile app.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only Bestinvest offers Help centre.
- Support channels: only XTB offers Email, Chat.
- Features: only XTB offers Demo account, Crypto.
- Pricing model: only XTB offers Commission free.
Our verdict on each
Bestinvest
Bestinvest is an online investment platform known for pairing wide investment choice with expert coaching and planning tools. It suits newcomers and steady investors who want ISAs, pensions and junior accounts with clear guidance while they shape long term goals.
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 | Bestinvest | XTB |
|---|---|---|
| Cost | 8.2 | 9.1Higher |
| Offer | 8.9 | 9.3Higher |
| Trust | 9.7Higher | 9.6 |
Where each is licensed and available
| Country | Bestinvest | XTB |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed |
How they place
| Ranking | Bestinvest | XTB |
|---|---|---|
| Stock and ETF brokers | 249 of 471 | 3 of 471 |
| Brokers for beginners | 64 of 88 | 1 of 88 |
Side by side, item by item
| Markets | Bestinvest | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | No | Yes |
| Funds | Yes | No |
Sources behind this comparison
Bestinvest
- bestinvest.co.uk: 12 facts, checked September 26, 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
Every fact side by side
| Fact | Bestinvest | XTB |
|---|---|---|
| Features | Mobile app | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Low fees | Commission free, Low feesCovers more |
| Audience | Beginners | Beginners |
| Legal entity | Evelyn Partners Investment Management Services Limited | XTB Limited |
| Headquarters | United Kingdom | Cyprus |
| Founded | 1986Lower | 2002 |
| Support channels | Phone, Help centre | Email, Chat, Phone |
Robo-advisors
| Fact | Bestinvest | XTB |
|---|---|---|
| Management fee | 0% to 0.4% | Not confirmed |
| Minimum investment | £50 | Not confirmed |
| Portfolio types | ETF, ESG, Cash | Not confirmed |
Where each stands against the rest
| Fact | Bestinvest | XTB | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | €0below the median | €1 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €10above the median | €2.45 |
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 72.05% |
| Currency conversion fee | 0.95%highest quarter | 0.5%above the median | 0.45% |
Median across 52 listed brokers.
Pros and cons
Bestinvest
Pros
- Operates with over 40 years of experience dating back to 1986.
- Offers expert coaching and smart planning tools alongside investment choice.
- Covers more than 3,000 shares and funds plus ETFs and investment trusts.
Cons
- Management of investments happens online and through the mobile app.
- Ready-made Portfolios are built and managed by the parent company teams.
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
Bestinvest
Who it suits
- New investors wanting coaching with investment choice
- Parents arranging junior ISAs and pensions for children
- Planners using ISAs and SIPPs for long term goals
Who should look elsewhere
- Traders seeking face to face branch service
- Investors wanting fully independent portfolio management
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 | Bestinvest | XTB |
|---|---|---|
| United Kingdom | Yes | No |
Questions about each
Bestinvest
Which accounts does Bestinvest provide?+
Bestinvest provides ISAs, Self-invested Personal Pensions, a general investment account without annual limits, and junior versions for children. You can hold Ready-made Portfolios inside these accounts or select your own investments. The range supports goals from daily investing to retirement and childhood saving.
Who runs Bestinvest and its Ready-made Portfolios?+
Bestinvest has helped investors make the most of their money since 1986, building over 40 years of experience. Its Ready-made Portfolios are built and managed by expert teams at its parent company Evelyn Partners. That relationship gives hands off investors professional portfolio management within the platform.
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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