Updated September 29, 2026 · BrokerCue Editorial Team
eToro vs XTB
What sets them apart
| Compare |  eToro |  XTB |
|---|---|---|
| Stock trade fee | $0 | €0 |
| Account fee | $0 | €0 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, FuturesCovers more | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), SIPC | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| 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 |
| Platforms | Not confirmed | XStation 5, XStation Mobile |
| Account types | ISA | Not confirmed |
| Maximum retail leverage | Not confirmed | 1:30 |
Same on both: Investor protection (EU ICS up to EUR 20,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- XTB scores higher overall: 9.3 vs 9.2.
- Regulators: only eToro offers SIPC.
- Regulators: only XTB offers FCA, KNF.
- Founded is lower at XTB: 2002 vs 2007.
- XTB is licensed in 1 more country.
- Markets: only eToro offers Futures.
- Support channels: only eToro offers Help centre.
- Support channels: only XTB offers Email, Chat, Phone.
- Features: only eToro offers Fractional shares, Copy trading.
- Pricing model: only XTB offers Low fees.
Our verdict on each
eToro
eToro suits readers who want to hold shares, ETFs, crypto, forex and CFDs in one app without paying commission on trades. Costs look light on the standard account, with a stock trade fee of $0 and account fee of $0, though the account fee applies to the virtual portfolio rather than every standard account.
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 | eToro | XTB |
|---|---|---|
| Cost | 9.3HigherCommission-free pricing with a stock trade fee of $0 and account fee of $0, but currency conversion on non-USD balances sits outside that headline. | 9.1 |
| Offer | 8.8 | 9.3Higher |
| Trust | 9.3 | 9.6Higher |
Which one suits you
Pick eToro if markets matter most.
Pick XTB if offer and trust matter most.
How they place
| Ranking | eToro | XTB |
|---|---|---|
| Stock and ETF brokers | 6 of 490 | 3 of 490 |
| Forex brokers | 4 of 147 | 2 of 147 |
| Low-spread forex brokers | 4 of 145 | 2 of 145 |
| CFD brokers | 4 of 122 | 2 of 122 |
| Brokers for beginners | 2 of 88 | 1 of 88 |
Where these facts come from
eToro
- etoro.com: 9 facts, checked September 26, 2026
- esma.europa.eu: 4 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 | eToro | XTB |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Copy trading, Mobile appCovers more | Demo account, Mobile app, Crypto |
| Pricing model | Commission free | Commission free, Low feesCovers more |
| Audience | Beginners | Beginners |
| Legal entity | eToro (Europe) Ltd | XTB Limited |
| Headquarters | Cyprus | Cyprus |
| Founded | 2007 | 2002Lower |
| Support channels | Help centre | Email, Chat, Phone |
Robo-advisors
| Fact | eToro | XTB |
|---|---|---|
| Management fee | 0% | Not confirmed |
| Minimum investment | $500 | Not confirmed |
| Portfolio types | ETF, ESG, Cash, Crypto | Not confirmed |
Where each stands against the rest
| Fact | eToro | XTB | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | €0below the median | €1 |
| 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
eToro
Pros
- No commission on share dealing: stock trade fees are $0
- No account fee on the standard dealing account: $0
- Regulated in Cyprus by the Cyprus Securities and Exchange Commission, and a SIPC member in the US
Cons
- A separate management fee of 0% applies to the managed portfolio service, so headline dealing costs are not the whole bill
- Support runs on help centre only, so there is no stated phone or live chat route for account problems
- The same commission-free model at XTB comes with a stated stock trade fee of €0, so commission alone does not separate the two
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
eToro
Who it suits
- Beginners who want commission-free share dealing plus fractional shares
- Readers who want stocks, ETFs, crypto, forex and CFDs in one place
- Anyone saving in a currency other than US dollars who wants to watch the cost of conversion
Who should look elsewhere
- Readers who want a stated phone or live chat support channel, since support runs on help centre
- Day traders who judge a broker on spreads alone, as no spread figure is listed
- Anyone wanting managed portfolios at no cost, since the management fee is 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
eToro
What does it cost to buy shares with eToro?+
The stock trade fee is $0, and the account fee is $0. Both sit at the low end of the market, and eToro is ranked at 1 on trade fees and 1 on account fees among the brands compared here. Currency conversion can still apply if your balance is not in the account currency.
Is there an account fee on the standard eToro account?+
The account fee is $0 for the standard dealing account, which is why eToro places at 1 out of 138 brands on that measure. The managed portfolio service is charged differently, at a management fee of 0%, so treat the dealing and portfolio costs as two separate lines.
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.
Other options to compare
Other matchups
- eToro vs Nexo
- eToro vs Fidelity
- eToro vs Firstrade
- eToro vs Merrill Edge
- eToro vs IG
- eToro vs Interactive Brokers
- eToro vs Webull
- eToro vs Topstep
- eToro vs Wealthsimple
- eToro vs Ally Bank
- eToro vs Betterment
- eToro vs One (One Finance)
- XTB vs Markets.com
- XTB vs CFI
- XTB vs OANDA
- XTB vs Exness
- XTB vs ActivTrades
- eToro vs DKB (Deutsche Kreditbank)
- XTB vs NAGA
- eToro vs UNest
- XTB vs Linxea
- XTB vs bunq
- XTB vs Mintos
- XTB vs Bitpanda
- XTB vs Robinhood
- XTB vs EBC Financial Group
- eToro vs Revolut