Updated September 29, 2026 · BrokerCue Editorial Team
InvestEngine vs XTB
What sets them apart
| Compare |  InvestEngine |  XTB |
|---|---|---|
| Minimum deposit | £100 | €0 |
| Stock trade fee | £0 | €0 |
| Account fee | £0 | €0 |
| Markets | ETFs | Stocks, ETFs, Forex, CFDs, CryptoCovers more |
| Regulators | Financial Conduct Authority (FCA) | Cyprus Securities and Exchange Commission (CySEC), FCA, KNFCovers more |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Deposit and withdrawal fees | Free | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Web, iOS, Android | XStation 5, XStation Mobile |
| Inactivity fee | Not confirmed | €10 |
| Retail accounts that lose money | Not confirmed | 77% |
| Currency conversion fee | Not confirmed | 0.5% |
| Account types | ISA, SIPP, Corporate | Not confirmed |
| Maximum retail leverage | Not confirmed | 1:30 |
| Interest on cash | 0% | Not confirmed |
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Key differences
- XTB scores higher overall: 9.3 vs 8.7.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), KNF.
- Founded is lower at XTB: 2002 vs 2019.
- XTB is licensed in 2 more countries.
- Markets: only XTB offers Stocks, Forex, CFDs.
- Platforms: only InvestEngine offers Web, iOS, Android.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only InvestEngine offers Help centre.
- Support channels: only XTB offers Chat, Phone.
- Features: only InvestEngine offers Fractional shares.
Our verdict on each
InvestEngine
InvestEngine suits beginners who want their money spread across ETFs without picking shares themselves. Costs stay thin: an account fee of £0, a stock trade fee of £0 and a single portfolio management charge of 0.25%, with deposits and withdrawals free.
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 | InvestEngine | XTB |
|---|---|---|
| Cost | 9.0 | 9.1Higher |
| Offer | 8.8The isa, sipp and corporate account range wraps one ETF plan for savers and firms alike. | 9.3Higher |
| Trust | 8.4 | 9.6Higher |
Feature by feature
| Markets | InvestEngine | XTB |
|---|---|---|
| Stocks | No | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | No | Yes |
Licences and countries
| Country | InvestEngine | XTB |
|---|---|---|
| United Kingdom | ||
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed |
What we checked
InvestEngine
- investengine.com: 10 facts, checked September 26, 2026
- blog.investengine.com: 2 facts, checked September 26, 2026
- help.investengine.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
How they place
| Ranking | InvestEngine | XTB |
|---|---|---|
| Stock and ETF brokers | 195 of 471 | 3 of 471 |
| Brokers for beginners | 57 of 88 | 1 of 88 |
Every fact side by side
| Fact | InvestEngine | XTB |
|---|---|---|
| Features | Fractional shares, Mobile app | Demo account, Mobile app, Crypto |
| Pricing model | Commission free | Commission free, Low feesCovers more |
| Audience | Beginners | Beginners |
| Legal entity | InvestEngine (UK) Limited | XTB Limited |
| Headquarters | United Kingdom | Cyprus |
| Founded | 2019 | 2002Lower |
| Support channels | Email, Help centre | Email, Chat, Phone |
Robo-advisors
| Fact | InvestEngine | XTB |
|---|---|---|
| Management fee | 0.25% | Not confirmed |
| Minimum investment | £1 | Not confirmed |
| Portfolio types | ETF | Not confirmed |
Where each stands against the rest
| Fact | InvestEngine | XTB | Median |
|---|---|---|---|
| Inactivity fee | Not confirmed | €10above the median | €2.45 |
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 72.05% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.45% |
| Interest on cash | 0%lowest quarter | Not confirmed | 3% |
Median across 47 listed brokers.
Pros and cons
InvestEngine
Pros
- An account fee of £0 and a stock trade fee of £0 leave almost nothing to pay for holding or trading.
- Investor protection is FSCS up to GBP 85,000, with the platform regulated by the Financial Conduct Authority.
- The platform list covers Web, iOS and Android, and fractional shares make small regular buys work.
Cons
- Shares are not among its markets (etfs), so the range stays on funds rather than a general dealing list.
- Support runs on email and help centre, with no phone number for urgent account questions.
- Cash waiting to be invested earns 0%.
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
InvestEngine
Who it suits
- Beginners who want a curated portfolio and can start from a minimum investment of £1.
- ISA and SIPP holders in the UK who would rather not pay an account fee.
- Investors who only need help by email and are happy to stay inside a single asset class.
Who should look elsewhere
- CFI, for anyone who wants to open with a minimum deposit of $0 rather than £100.
- Vantage, for anyone who wants a smaller entry point, since its minimum deposit is $5.
- eToro, for traders who want share dealing, because shares are not among its markets (etfs).
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 | InvestEngine | XTB |
|---|---|---|
| United Kingdom | Yes | No |
Questions about each
InvestEngine
What does it cost to hold an InvestEngine account?+
The account fee is £0 and a stock trade costs £0, so buying and holding leaves most of the pot intact. The only ongoing charge is the portfolio management fee of 0.25%, which is taken on the portfolio rather than per trade. Cash left uninvested earns 0%.
Is my money protected if the platform fails?+
The Financial Conduct Authority is the regulator named on the licence, and the platform states investor protection of FSCS up to GBP 85,000. The account is run by InvestEngine (UK) Limited, a UK company, so UK rules and the protection scheme both apply to the account.
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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