Updated September 29, 2026 · BrokerCue Editorial Team
Deriv vs XTB
Where Deriv and XTB differ
| Compare |  Deriv |  XTB |
|---|---|---|
| Minimum deposit | $5 | €0 |
| Stock trade fee | $0 | €0 |
| Inactivity fee | $25 | €10 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, BondsCovers more | Stocks, ETFs, Forex, CFDs, Crypto |
| Retail accounts that lose money | 74% | 77% |
| Platforms | Deriv MT5, Deriv Trader | 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 |
| 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 |
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Key differences
- XTB scores higher overall: 9.3 vs 8.9.
- Markets: only Deriv offers Bonds.
- Platforms: only Deriv offers Deriv MT5, Deriv Trader.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only Deriv offers Help centre.
- Support channels: only XTB offers Email, Chat, Phone.
- Pricing model: only XTB offers Low fees.
- Audience: only Deriv offers Day traders.
Our verdict on each
Deriv
Deriv suits beginners and day-traders who want a $0 stock trade fee, a $5 minimum deposit and a demo account to practise on. Most retail accounts here lose money, at 74%, so the cheap entry is not a reason to trade lightly.
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 | Deriv | XTB |
|---|---|---|
| Cost | 8.9An inactivity fee of $25 is the weak spot, against $0 at Vantage. | 9.1Higher |
| Offer | 8.9 | 9.3Higher |
| Trust | Not confirmed | 9.6 |
Positions in our rankings
| Ranking | Deriv | XTB |
|---|---|---|
| Stock and ETF brokers | 160 of 471 | 3 of 471 |
| Forex brokers | 69 of 147 | 2 of 147 |
| Low-spread forex brokers | 67 of 145 | 2 of 145 |
| CFD brokers | 58 of 122 | 2 of 122 |
| Brokers for beginners | 42 of 88 | 1 of 88 |
Side by side, item by item
| Markets | Deriv | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | Yes |
| CFDs | Yes | Yes |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
Sources behind this comparison
Deriv
- deriv.com: 5 facts, checked September 26, 2026
- brokeranalysis.com: 3 facts, checked September 26, 2026
- fxempire.com: 1 fact, checked September 26, 2026
- fxleaders.com: 1 fact, 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 | Deriv | XTB |
|---|---|---|
| Features | Demo account, Mobile app, Crypto | Demo account, Mobile app, Crypto |
| Pricing model | Commission free | Commission free, Low feesCovers more |
| Audience | Day traders, BeginnersCovers more | Beginners |
| Legal entity | Not confirmed | XTB Limited |
| Headquarters | Not confirmed | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Help centre | Email, Chat, Phone |
Where each stands against the rest
| Fact | Deriv | XTB | Median |
|---|---|---|---|
| Account fee | Not confirmed | €0at the median | €0 |
| Retail accounts that lose money | 74%above the median | 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
Deriv
Pros
- A single account covers stocks, etfs and forex, so no second broker is needed
- demo account, mobile app and crypto covers a demo account and a mobile app alongside Deriv Trader and Deriv MT5
- Built for beginners and day traders (day traders and beginners) rather than experienced traders only
Cons
- An inactivity fee of $25 applies to dormant balances, against $0 at Vantage
- Support runs on help centre only, with no phone line or live chat listed
- Deriv reports that 74% of retail accounts lose money, above the 70.15% site median
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
Deriv
Who it suits
- Beginners who want a demo account and a small minimum deposit before going live
- Day-traders who want stocks, etfs and forex in a single account
- Traders already comfortable with charting platforms, since Deriv MT5 is one of the platforms listed (Deriv MT5 and Deriv Trader)
Who should look elsewhere
- Anyone leaving money parked for long: Vantage lists an inactivity fee of $0
- Traders who want futures in the same account: the markets at eToro, stocks, etfs and forex, include them
- Traders who want the smallest possible entry: CFI lists a minimum deposit of $0
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
Deriv
What does it cost to open a Deriv account?+
The minimum deposit is $5, so the account opens on a small balance. Stock trades are charged at $0, which sits inside a commission-free model, so no commission is added per trade. Beginners and day traders are the stated audience.
Will I be charged if my account sits idle?+
Yes. Deriv charges an inactivity fee of $25 on an account left unused, which is the main cost trap here. Vantage lists an inactivity fee of $0 by comparison, so a dormant balance is cheaper elsewhere. Move money you are not using rather than leaving it parked.
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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