Updated September 29, 2026 · BrokerCue Editorial Team
DKB (Deutsche Kreditbank) vs XTB
Where DKB (Deutsche Kreditbank) and XTB differ
| Compare |  DKB (Deutsche Kreditbank) |  XTB |
|---|---|---|
| Stock trade fee | €10 | €0Lower |
| Markets | Stocks, ETFs, Bonds, Funds, Crypto | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | European Central Bank, Bundesanstalt fuer Finanzdienstleistungsaufsicht | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Platforms | Web Banking, DKB 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 |
| Account types | Joint | Not confirmed |
| Maximum retail leverage | Not confirmed | 1:30 |
Same on both: Account fee (€0), Investor protection (EU ICS up to EUR 20,000).
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Key differences
- XTB scores higher overall: 9.3 vs 9.0.
- Regulators: only DKB (Deutsche Kreditbank) offers European Central Bank, Bundesanstalt fuer Finanzdienstleistungsaufsicht.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- Stock trade fee is lower at XTB: €0 vs €10.
- Markets: only DKB (Deutsche Kreditbank) offers Bonds, Funds.
- Markets: only XTB offers Forex, CFDs.
- Platforms: only DKB (Deutsche Kreditbank) offers Web Banking, DKB App.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Features: only XTB offers Demo account.
Our verdict on each
DKB (Deutsche Kreditbank)
DKB: Das kann Bank suits buy and hold investors seeking stocks alongside ETFs, bonds, funds and crypto inside familiar banking with joint accounts and mobile access. Account upkeep stays at €0 while dealing costs sit at €10 under German banking supervision with defined investor cover.
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 | DKB (Deutsche Kreditbank) | XTB |
|---|---|---|
| Cost | 8.6Account upkeep at €0 helps holding, while dealing at €10 adds cost. | 9.1Higher |
| Offer | 8.6Market mix across stocks, ETFs and bonds with access via Web Banking and DKB App shapes everyday use. | 9.3Higher |
| Trust | 9.5German banking supervision plus cover at EU ICS up to EUR 20,000 supports confidence. | 9.6Higher |
Side by side, item by item
| Markets | DKB (Deutsche Kreditbank) | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
| Funds | Yes | No |
Positions in our rankings
| Ranking | DKB (Deutsche Kreditbank) | XTB |
|---|---|---|
| Stock and ETF brokers | 2 of 490 | 3 of 490 |
Where these facts come from
DKB (Deutsche Kreditbank)
- dkb.de: 8 facts, checked September 29, 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 | DKB (Deutsche Kreditbank) | XTB |
|---|---|---|
| Features | Crypto, Mobile app | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Not confirmed | Commission free, Low fees |
| 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 | DKB (Deutsche Kreditbank) | XTB | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | €0below the median | €1 |
| Stock trade fee | €10highest quarter | €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
DKB (Deutsche Kreditbank)
Pros
- Account upkeep at €0 keeps holding costs contained across market cycles
- Market mix across stocks, ETFs and bonds spans stocks, ETFs, bonds, funds and crypto in the same place
- Joint access through joint suits households managing shared long term portfolios
Cons
- Dealing at €10 costs more than ActivTrades at $0 for regular stock orders
- Dealing at €10 costs more than XTB at €0 for frequent equity activity
- Support runs on help centre only, which gives fewer contact routes than broader rivals
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
DKB (Deutsche Kreditbank)
Who it suits
- Buy and hold investors building diversified portfolios across stocks, ETFs and bonds with limited trading
- Households seeking shared oversight through joint with banking plus investing via Web Banking and DKB App
Who should look elsewhere
- Active stock pickers seeking lower dealing than €10 may prefer XTB at €0
- High frequency equity traders watching per order cost may prefer ActivTrades at $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
Current offers
DKB (Deutsche Kreditbank)
Current offer
Bonus
Visa Kreditkarte: 30 EUR Bonus Aktion: 30 EUR
Aktion bis 31.12.2026
Source, checked September 26, 2026
Questions about each
DKB (Deutsche Kreditbank)
What does DKB charge for stock dealing and account upkeep?+
Stock orders cost €10 per execution and account upkeep costs €0. Holding therefore stays light while dealing drives total cost, so infrequent orders suit this schedule better than very active dealing.
How is DKB supervised and what cover applies?+
Supervision comes through European Central Bank and Bundesanstalt fuer Finanzdienstleistungsaufsicht. Investor cover is stated as EU ICS up to EUR 20,000. Banking supervision plus defined cover helps readers judge where cash and securities sit.
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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