Updated September 29, 2026 · BrokerCue Editorial Team
S Broker vs XTB
S Broker vs XTB: the differences
| Compare |  S Broker |  XTB |
|---|---|---|
| Stock trade fee | €0.95 | €0Lower |
| Markets | Stocks, ETFs, Funds, Bonds, Options | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | Bundesanstalt fuer Finanzdienstleistungsaufsicht, European Central Bank | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Platforms | Mobile App, Desktop, Profi Software | XStation 5, XStation Mobile |
| 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 |
| Maximum retail leverage | Not confirmed | 1:30 |
Same on both: Account fee (€0), Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Regulators: only S Broker offers Bundesanstalt fuer Finanzdienstleistungsaufsicht, European Central Bank.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- XTB is licensed in 2 more countries.
- Stock trade fee is lower at XTB: €0 vs €0.95.
- Markets: only S Broker offers Funds, Bonds, Options.
- Markets: only XTB offers Forex, CFDs, Crypto.
- Platforms: only S Broker offers Mobile App, Desktop, Profi Software.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only S Broker offers Help centre.
- Support channels: only XTB offers Chat.
Our verdict on each
S Broker
S Broker keeps the running costs of a German brokerage account down, with an account fee of €0 and a stock trade fee of €0.95, and it is supervised by the Bundesanstalt fuer Finanzdienstleistungsaufsicht. It suits investors who want a single account for stocks, funds, bonds and options in a regulated German firm.
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 | S Broker | XTB |
|---|---|---|
| Cost | 8.9Account fee of €0 ranks 1 of 138 on the site; stock trades at €0.95 sit above the site median. | 9.1Higher |
| Offer | 9.4Higher | 9.3 |
| Trust | 9.5 | 9.6Higher |
Sources behind this comparison
S Broker
- sbroker.de: 10 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 | S Broker | XTB |
|---|---|---|
| Stock and ETF brokers | 15 of 490 | 3 of 490 |
Every fact side by side
| Fact | S Broker | XTB |
|---|---|---|
| Features | Mobile app, Demo account | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Not confirmed | Commission free, Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | S Broker AG & Co. KG | XTB Limited |
| Headquarters | Germany | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone |
Where each stands against the rest
| Fact | S Broker | XTB | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | €0below the median | €1 |
| Stock trade fee | €0.95below the median | €0below the median | €1 |
| Account fee | €0at the median | €0at the median | €0 |
| 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
S Broker
Pros
- An account fee of €0 and stock trades at €0.95 keep the running cost of the account low.
- Regulated in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht and the European Central Bank, with deposits covered by the EU investor compensation scheme.
- A single account covers stocks, etfs and funds.
Cons
- Stock trades cost €0.95 each, which adds up for anyone dealing often.
- The market list is stocks, etfs and funds, so forex, CFDs and crypto traders have to look elsewhere.
- Support runs on email, phone and help centre, with no live chat listed.
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
S Broker
Who it suits
- Investors who want stocks, ETFs, funds and bonds in a single account with an account fee of €0.
- German residents who want a supervised German firm and phone support as well as email.
- Options traders who also hold stocks, funds or bonds and want a single account for all of it.
Who should look elsewhere
- eToro, if a stock trade fee of $0 matters more than a German account with funds and bonds on the platform.
- CFI, if forex, CFDs and crypto matter, since its markets of stocks, etfs and forex reach well past stocks, etfs and funds.
- Anyone who wants live chat support, since support runs on email, phone and help centre only.
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 | S Broker | XTB |
|---|---|---|
| Germany | Yes | No |
Questions about each
S Broker
What does S Broker charge for a stock trade and for the account?+
Stock trades cost €0.95 and the account fee is €0, so holding the account costs nothing. Across the site the median stock trade fee is €0, which leaves S Broker a little dearer than the cheapest stock platforms but with no account charge to set against it.
Who regulates S Broker and what happens to the money in the account?+
The legal entity is S Broker AG & Co. KG, supervised by the Bundesanstalt fuer Finanzdienstleistungsaufsicht and the European Central Bank. Deposits sit under the EU investor compensation scheme, so a firm failure is covered within that scheme's stated limits rather than by the broker itself.
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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