Updated September 29, 2026 · BrokerCue Editorial Team
Robinhood vs XTB
What sets them apart
| Compare |  Robinhood |  XTB |
|---|---|---|
| Minimum deposit | $0 | €0 |
| Stock trade fee | $0 | €0 |
| Account fee | $0 | €0 |
| Inactivity fee | $0 | €10 |
| Markets | Stocks, ETFs, Options, Futures, Crypto | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | Bank of Lithuania (LSC), LT BL, SIPC | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Deposit and withdrawal fees | $100 outgoing transfer | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Robinhood app, Robinhood Legend | XStation 5, XStation Mobile |
| Maximum retail leverage | 10X | 1:30 |
| Retail accounts that lose money | Not confirmed | 77% |
| Currency conversion fee | Not confirmed | 0.5% |
| Margin rate | 3.95% | Not confirmed |
| Options contract fee | $0 | Not confirmed |
| Account types | IRA, Roth IRA, Joint | Not confirmed |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Robinhood scores higher overall: 9.4 vs 9.3.
- Regulators: only Robinhood offers Bank of Lithuania (LSC), LT BL, SIPC.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- Founded is lower at XTB: 2002 vs 2013.
- XTB is licensed in 1 more country.
- Markets: only Robinhood offers Options, Futures.
- Markets: only XTB offers Forex, CFDs.
- Platforms: only Robinhood offers Robinhood app, Robinhood Legend.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Features: only Robinhood offers Fractional shares, Options, Futures.
Our verdict on each
Robinhood
Robinhood suits first-time investors and small, regular investors who want nothing charged for holding or trading. It is the cheapest way in on our data, with a minimum deposit of $0, no account fee and no inactivity charge, under the Bank of Lithuania and SIPC.
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 | Robinhood | XTB |
|---|---|---|
| Cost | 9.6HigherStock trades cost $0, options contracts $0, the account fee is $0 and inactivity is $0. | 9.1 |
| Offer | 9.3 | 9.3 |
| Trust | 9.3 | 9.6Higher |
Feature by feature
| Markets | Robinhood | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Options | Yes | No |
| Futures | Yes | No |
| Crypto | Yes | Yes |
How they place
| Ranking | Robinhood | XTB |
|---|---|---|
| Stock and ETF brokers | 13 of 490 | 3 of 490 |
| Brokers for beginners | 6 of 88 | 1 of 88 |
Which one suits you
Pick Robinhood if cost matter most.
Pick XTB if trust matter most.
Sources behind this comparison
Robinhood
- finder.com: 7 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
- mymillennialguide.com: 4 facts, checked September 26, 2026
- financer.com: 2 facts, checked September 26, 2026
- robinhood.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
Every fact side by side
| Fact | Robinhood | XTB |
|---|---|---|
| Features | Crypto, Fractional shares, Options, Futures, Mobile app | Demo account, Mobile app, Crypto |
| Pricing model | Commission free, Low fees | Commission free, Low fees |
| Audience | Beginners, Day tradersCovers more | Beginners |
| Legal entity | Robinhood Europe UAB | XTB Limited |
| Headquarters | Lithuania | Cyprus |
| Founded | 2013 | 2002Lower |
| Support channels | Not confirmed | Email, Chat, Phone |
Where each stands against the rest
| Fact | Robinhood | XTB | Median |
|---|---|---|---|
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 70.375% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.4% |
| Margin rate | 3.95%lowest quarter | Not confirmed | 8.79% |
| Options contract fee | $0lowest quarter | Not confirmed | $0.59 |
Median across 38 listed brokers.
Pros and cons
Robinhood
Pros
- Nothing to pay to open or hold an account, with an account fee of $0 and an inactivity fee of $0
- Trading a share costs $0, so a small first order is not eaten by commission
- You can start with a deposit of $0, lower than most brands on our data
Cons
- Leverage is available at 10X, which magnifies losses as well as gains
- Outgoing transfers carry a charge of $100 outgoing transfer
- Margin borrowing is priced at a margin rate of 3.95%, so interest adds to your cost
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
Robinhood
Who it suits
- Beginners opening a first account with a small deposit
- Day-traders working in options, futures and crypto on mobile
- Retirement investors using an IRA, Roth IRA or joint account
Who should look elsewhere
- Vantage if a flat minimum deposit of $5 suits you better
- CFI if you want forex and CFDs alongside shares, since its markets cover stocks, etfs and forex
- eToro if social copy trading matters more than options and futures
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
Robinhood
What does it cost to trade shares on Robinhood?+
Trading a share costs $0, and an options contract costs $0. There is also an account fee of $0 and an inactivity fee of $0, so nothing is taken for simply holding the account open. Borrowing on margin is charged at a margin rate of 3.95%, which is the main running cost if you use leverage.
Is there a minimum deposit to open a Robinhood account?+
The minimum deposit is $0, so you can open an account and place a small first order without funding a large balance. It is worth comparing that with the deposits other brands ask for before you commit, since the figure varies widely across the market. Outgoing transfers are charged at $100 outgoing transfer, so factor that in if you plan to move money out early.
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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