Updated September 29, 2026 · BrokerCue Editorial Team
Dodl vs XTB
Where Dodl and XTB differ
| Compare |  Dodl |  XTB |
|---|---|---|
| Minimum deposit | £25 | €0 |
| Stock trade fee | £0 | €0 |
| Markets | Stocks, ETFs, Funds | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | Financial Conduct Authority | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Currency conversion fee | 0.75% | 0.5%Lower |
| Deposit and withdrawal fees | free deposits and withdrawals | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Dodl app | XStation 5, XStation Mobile |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| Retail accounts that lose money | Not confirmed | 77% |
| Account types | ISA, SIPP, Lisa | Not confirmed |
| Maximum retail leverage | Not confirmed | 1:30 |
| Interest on cash | 3.8% | Not confirmed |
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Key differences
- XTB scores higher overall: 9.3 vs 8.8.
- Regulators: only Dodl offers Financial Conduct Authority.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- XTB is licensed in 2 more countries.
- Currency conversion fee is lower at XTB: 0.5% vs 0.75%.
- Markets: only Dodl offers Funds.
- Markets: only XTB offers Forex, CFDs, Crypto.
- Platforms: only Dodl offers Dodl app.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only Dodl offers Help centre.
Our verdict on each
Dodl
Dodl is an AJ Bell app aimed at UK beginners who want to sidestep dealing costs entirely. Stock trades cost £0 and cash earns 3.8%, so the saving comes from the fee-free model rather than from a richer market list.
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 | Dodl | XTB |
|---|---|---|
| Cost | 8.9 | 9.1Higher |
| Offer | 9.2Stock trade fee of £0 across isa, sipp and lisa, plus free deposits and withdrawals, undercuts priced platforms. | 9.3Higher |
| Trust | 8.6 | 9.6Higher |
A third option
willbe has currency conversion fee at 0.3%, against 0.75% for Dodl and 0.5% for XTB.
willbe reviewHow they place
| Ranking | Dodl | XTB |
|---|---|---|
| Stock and ETF brokers | 176 of 471 | 3 of 471 |
| Brokers for beginners | 47 of 88 | 1 of 88 |
Every fact side by side
| Fact | Dodl | XTB |
|---|---|---|
| Features | Mobile app | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Commission free, Low fees | Commission free, Low fees |
| Audience | Beginners | Beginners |
| Legal entity | AJ Bell | XTB Limited |
| Headquarters | Not confirmed | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Email, Chat, Help centre | Email, Chat, Phone |
Where each stands against the rest
| Fact | Dodl | XTB | Median |
|---|---|---|---|
| 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 | 0.75%highest quarter | 0.5%above the median | 0.45% |
| Interest on cash | 3.8%highest quarter | Not confirmed | 3% |
Median across 52 listed brokers.
Pros and cons
Dodl
Pros
- Stock trades cost £0, the lowest stock trade fee recorded in this comparison
- free deposits and withdrawals means moving money in and out adds nothing to a portfolio
- Cash held with the account earns interest of 3.8% while you save for a purchase
Cons
- Cash interest of 3.8% is a variable rate, so the return on uninvested money can move
- Dealing runs on Dodl app only, which suits casual investors less well than a desktop platform
- Support runs on email, chat and help centre only, so there is no phone line for urgent account problems
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
Dodl
Who it suits
- UK beginners opening a first stocks, ETFs and funds portfolio
- Investors who want dealing fees at £0 and want to keep cash earning 3.8%
- Savers setting aside money in an ISA, SIPP or LISA before investing
Who should look elsewhere
- Traders who need a desktop dealing platform, because dealing sits on Dodl app
- Anyone wanting phone support, since help runs on email, chat and help centre
- Investors who trade often in foreign currency, where 0.75% charges apply
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 | Dodl | XTB |
|---|---|---|
| United Kingdom | Yes | No |
Questions about each
Dodl
What does it cost to buy shares at Dodl?+
A stock trade costs £0, which is the figure that stands out on this platform. The pricing model is commission-free rather than low-fee, so dealing is designed to cost nothing. Money in and out is also free deposits and withdrawals, so a transfer adds nothing extra. The one charge to watch is 0.75% on currency conversion when you buy shares priced outside sterling.
Is my money protected at Dodl?+
Dodl is regulated by the Financial Conduct Authority, and eligible balances are covered by FSCS up to GBP 85,000. That protection is a stated limit on a claim to the firm, not a promise that investments cannot fall in value. The company operating the app is AJ Bell, so the account sits with an established UK provider rather than an offshore entity.
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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