Updated September 29, 2026 · BrokerCue Editorial Team
NAGA vs XTB
Where NAGA and XTB differ
| Compare |  NAGA |  XTB |
|---|---|---|
| Minimum deposit | €50 | €0Lower |
| Stock trade fee | €3 | €0Lower |
| Markets | Stocks, ETFs, Forex, CFDs, Futures, CryptoCovers more | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | Cyprus Securities and Exchange Commission | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Retail accounts that lose money | 70.45% | 77% |
| Deposit and withdrawal fees | No withdrawal fee | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | iOS, Android, Web, MetaTrader 5 | XStation 5, XStation Mobile |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| Currency conversion fee | Not confirmed | 0.5% |
| Maximum retail leverage | Not confirmed | 1:30 |
| Interest on cash | 2.4% | Not confirmed |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- XTB scores higher overall: 9.3 vs 8.7.
- Regulators: only NAGA offers Cyprus Securities and Exchange Commission.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- XTB is licensed in 2 more countries.
- Minimum deposit is lower at XTB: €0 vs €50.
- Stock trade fee is lower at XTB: €0 vs €3.
- Markets: only NAGA offers Futures.
- Platforms: only NAGA offers iOS, Android, Web.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Features: only NAGA offers Copy trading.
Our verdict on each
NAGA
NAGA suits mobile copy traders who want stocks, ETFs, forex, CFDs, futures and crypto alongside social features in the same app. Opening starts at €50, while stock trades carry €3, so active share buyers should weigh costs against broader choice.
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 | NAGA | XTB |
|---|---|---|
| Cost | 8.5Stock trades cost €3; withdrawals show No withdrawal fee. | 9.1Higher |
| Offer | 9.1Coverage spans stocks, ETFs and forex via iOS, Android and Web for desktop plus mobile. | 9.3Higher |
| Trust | 8.5Cover sits at EU ICS up to EUR 20,000 under Cyprus oversight. | 9.6Higher |
What each covers
| Markets | NAGA | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | Yes |
| CFDs | Yes | Yes |
| Futures | Yes | No |
| Crypto | Yes | Yes |
Where these facts come from
NAGA
- naga.com: 5 facts, checked September 28, 2026
- nagamarkets.zendesk.com: 5 facts, checked September 28, 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 | NAGA | XTB |
|---|---|---|
| Stock and ETF brokers | 4 of 490 | 3 of 490 |
| Forex brokers | 3 of 147 | 2 of 147 |
| Low-spread forex brokers | 3 of 145 | 2 of 145 |
| CFD brokers | 3 of 122 | 2 of 122 |
Every fact side by side
| Fact | NAGA | XTB |
|---|---|---|
| Features | Crypto, Copy trading, Mobile app | Demo account, Mobile app, Crypto |
| 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 | NAGA | XTB | Median |
|---|---|---|---|
| Minimum deposit | €50highest quarter | €0below the median | €1 |
| Stock trade fee | €3above the median | €0below the median | €1 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €10above the median | €0 |
| Retail accounts that lose money | 70.45%above the median | 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
NAGA
Pros
- Access stocks, ETFs and forex under a single login, covering shares through crypto for varied strategies.
- Trade via iOS, Android and Web, with MetaTrader 5 plus mobile apps for flexible order management.
- Withdrawals show No withdrawal fee, helped by No withdrawal fee for cost clarity.
Cons
- Stock trade fee sits at €3, which can weigh on frequent share buyers versus lower fee rivals.
- Support runs on help centre only, so help stays inside help centre without live chat or phone.
- Entry starts at €50, above ActivTrades at $0 for very small starters.
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
NAGA
Who it suits
- Social traders who follow others and want futures plus crypto alongside shares may prefer NAGA over eToro.
- Mobile led investors starting at €50 who accept €3 may prefer NAGA over ActivTrades.
Who should look elsewhere
- Cost sensitive share buyers who want lower ticket fees than €3 may prefer XTB.
- Traders wanting phone or live chat beyond help centre may prefer ActivTrades.
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 | NAGA | XTB |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
8 of 30 countries where either is available.
Questions about each
NAGA
What does NAGA charge for stock trades and withdrawals?+
Stock orders carry €3 per trade, and funding shows No withdrawal fee for withdrawals. Share buyers who trade often should compare that ticket charge with rivals before committing, as frequent dealing lifts total cost over time.
What is the minimum deposit to open a NAGA account?+
Trading can start at €50, which keeps entry modest for newcomers testing markets. Withdrawals show No withdrawal fee, so moving funds out does not add a separate withdrawal charge under current terms.
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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