Updated September 29, 2026 · BrokerCue Editorial Team
Freedom24 vs XTB
Where Freedom24 and XTB differ
| Compare |  Freedom24 |  XTB |
|---|---|---|
| Stock trade fee | €2 | €0Lower |
| Inactivity fee | €0Lower | €10 |
| Markets | Stocks, ETFs, Options, Bonds | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | CySEC | Cyprus Securities and Exchange Commission (CySEC), FCA, KNFCovers more |
| Currency conversion fee | 0.005%Lower | 0.5% |
| Deposit and withdrawal fees | EUR 7 per withdrawal | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Freedom24 App, Freedom24 Web | XStation 5, XStation Mobile |
| Retail accounts that lose money | Not confirmed | 77% |
| Options contract fee | $0.65 | Not confirmed |
| Maximum retail leverage | Not confirmed | 1:30 |
Same on both: Minimum deposit (€0), 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 8.9.
- Regulators: only XTB offers FCA, KNF.
- Founded is lower at XTB: 2002 vs 2013.
- XTB is licensed in 2 more countries.
- Stock trade fee is lower at XTB: €0 vs €2.
- Inactivity fee is lower at Freedom24: €0 vs €10.
- Currency conversion fee is lower at Freedom24: 0.005% vs 0.5%.
- Markets: only Freedom24 offers Options, Bonds.
- Markets: only XTB offers Forex, CFDs, Crypto.
- Platforms: only Freedom24 offers Freedom24 App, Freedom24 Web.
Our verdict on each
Freedom24
Freedom24 suits European investors who want stocks, ETFs, options and bonds under one CySEC-regulated roof, and who would rather not pay an annual account charge of €0. A euro minimum deposit of €0 keeps entry easy, while per-deal trading costs make it a better fit for occasional buyers than for frequent traders.
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 | Freedom24 | XTB |
|---|---|---|
| Cost | 9.2HigherCost is middling: account fee €0 and minimum deposit €0 are nil, but €2 per deal is high against the €0 median. | 9.1 |
| Offer | 8.9 | 9.3Higher |
| Trust | 8.7 | 9.6Higher |
Licences and countries
| Country | Freedom24 | XTB |
|---|---|---|
| Cyprus | CySEC 275/15 | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed |
Feature by feature
| Markets | Freedom24 | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Options | Yes | No |
| Crypto | No | Yes |
| Bonds | Yes | No |
What we checked
Freedom24
- forex.wikibit.com: 3 facts, checked September 26, 2026
- matchmybroker.com: 3 facts, checked September 26, 2026
- ucits-etfs.com: 3 facts, checked September 26, 2026
- beinoption.vercel.app: 2 facts, checked September 26, 2026
- eupersonalfinance.eu: 2 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
How they place
| Ranking | Freedom24 | XTB |
|---|---|---|
| Stock and ETF brokers | 161 of 471 | 3 of 471 |
Every fact side by side
| Fact | Freedom24 | XTB |
|---|---|---|
| Features | Options, Mobile app | Demo account, Mobile app, Crypto |
| Pricing model | Not confirmed | Commission free, Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | Freedom Finance Europe Ltd | XTB Limited |
| Headquarters | Cyprus | Cyprus |
| Founded | 2013 | 2002Lower |
| Support channels | Not confirmed | Email, Chat, Phone |
Where each stands against the rest
| Fact | Freedom24 | XTB | Median |
|---|---|---|---|
| Minimum deposit | €0below the median | €0below the median | €1 |
| Stock trade fee | €2above the median | €0below the median | €1 |
| Account fee | €0at the median | €0at the median | €0 |
| Inactivity fee | €0below the median | €10above the median | €2.45 |
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 72.05% |
| Currency conversion fee | 0.005%lowest quarter | 0.5%above the median | 0.45% |
Median across 52 listed brokers.
Pros and cons
Freedom24
Pros
- Account fee €0 and inactivity fee €0 leave the cost of holding an account at nil.
- A minimum deposit of €0 sits well under the €6.17 median for stock brokers.
- A single account covers stocks, etfs and options, so an ETF, a bond and an option sit together.
Cons
- A stock trade fee of €2 ranks 126 of 161 on the site, well behind the field.
- Withdrawals cost EUR 7 per withdrawal each.
- Currency conversion is charged at 0.005% on positions held outside the euro.
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
Freedom24
Who it suits
- Investors who want stocks, etfs and options in one account with an account fee of €0.
- Savers who prefer a euro starting point of €0 and a firm authorised in Cyprus under 275/15.
- People who trade from a phone as well as a browser, since Freedom24 App and Freedom24 Web lists the Freedom24 App and web platform.
Who should look elsewhere
- eToro, if the cost of each trade decides it, because its stock trade fee is $0.
- Vantage, if you would rather start with a deposit of $5 than fund the account from the first unit.
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
Freedom24
What does a trade cost at Freedom24?+
A stock trade costs €2, with options at $0.65 per contract and currency conversion at 0.005%. That per-deal cost is the number to weigh, since the account fee of €0 adds nothing to it.
Is there an account fee or an inactivity charge?+
The account fee is €0 and the inactivity fee is €0. Both rank 1 on the site, so an unused account does not start costing money. That suits investors who top up in small amounts rather than trading often.
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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