Updated September 29, 2026 · BrokerCue Editorial Team
Titan vs XTB
What sets them apart
| Compare |  Titan |  XTB |
|---|---|---|
| Minimum deposit | $500 | €0 |
| Markets | Stocks, ETFs, Bonds, Crypto, Funds | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | Securities and Exchange Commission (SEC) | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Platforms | Web, Mobile app | XStation 5, XStation Mobile |
| Stock trade fee | Not confirmed | €0 |
| Account fee | 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 |
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Key differences
- XTB scores higher overall: 9.3 vs 8.5.
- Regulators: only Titan offers Securities and Exchange Commission (SEC).
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- Founded is lower at XTB: 2002 vs 2017.
- XTB is licensed in 2 more countries.
- Markets: only Titan offers Bonds, Funds.
- Markets: only XTB offers Forex, CFDs.
- Platforms: only Titan offers Web, Mobile app.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only Titan offers Help centre.
Our verdict on each
Titan
Titan is a US robo-advisor for investors who want a portfolio run for them, with a single management fee of 0.4% across holdings in stocks, etfs and bonds. The trade-off is entry size: a minimum investment of $500 keeps small savers out, though the money sits under SIPC up to USD 500,000.
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 | Titan | XTB |
|---|---|---|
| Cost | 8.3Management fee of 0.4% matches the site median of 0.4%; minimum investment of $500 sits above €25. | 9.1Higher |
| Offer | 8.8 | 9.3Higher |
| Trust | 8.5 | 9.6Higher |
Feature by feature
| Markets | Titan | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
| Funds | Yes | No |
Where each is licensed and available
| Country | Titan | XTB |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed | |
| United States | Not confirmed |
How they place
| Ranking | Titan | XTB |
|---|---|---|
| Stock and ETF brokers | 215 of 471 | 3 of 471 |
Sources behind this comparison
Titan
- titan.com: 11 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
Every fact side by side
| Fact | Titan | XTB |
|---|---|---|
| Features | Crypto, Mobile app | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Low fees | Commission free, Low feesCovers more |
| Audience | Not confirmed | Beginners |
| Legal entity | Titan Global Capital Management USA LLC | XTB Limited |
| Headquarters | United States | Cyprus |
| Founded | 2017 | 2002Lower |
| Support channels | Help centre | Email, Chat, Phone |
Robo-advisors
| Fact | Titan | XTB |
|---|---|---|
| Management fee | 0.4% | Not confirmed |
| Minimum investment | $500 | Not confirmed |
| Portfolio types | Cash, Crypto | Not confirmed |
Where each stands against the rest
| Fact | Titan | XTB | Median |
|---|---|---|---|
| Stock trade fee | Not confirmed | €0below the median | €1 |
| Account fee | Not confirmed | €0at the median | €0 |
| 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% |
Median across 52 listed brokers.
Pros and cons
Titan
Pros
- A single management fee of 0.4% covers the managed portfolio, so the running cost is easy to forecast.
- Regulated in the US by the Securities and Exchange Commission, with holdings under SIPC up to USD 500,000.
- Holdings span stocks, etfs and bonds, so crypto sits alongside the usual assets rather than needing a second provider.
Cons
- Minimum investment of $500 and minimum deposit of $500 sit well above the site median of €25.
- Support runs on help centre only, so there is no direct phone or email line for questions.
- Portfolio choice is narrow, limited to cash and crypto.
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
Titan
Who it suits
- US investors who want a robo-managed portfolio and not to monitor it day to day.
- Savers who can start from $500 and hand the decisions to a manager.
- Investors comfortable with a cash sleeve alongside crypto.
Who should look elsewhere
- Small savers: CFI takes a minimum deposit of $0, against $500 here.
- Direct traders: eToro covers stocks, etfs and forex, wider than stocks, etfs and bonds.
- Small-account traders: Vantage asks $5 to get going.
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 | Titan | XTB |
|---|---|---|
| United States | Yes | No |
Questions about each
Titan
What does Titan charge?+
The running cost is a management fee of 0.4% on the portfolio, the same as the site median of 0.4%. Because the account is managed for you, that fee is the line to compare rather than a price per trade.
Is Titan regulated and is my money protected?+
Titan Global Capital Management USA LLC is registered with the Securities and Exchange Commission in the US, and holdings sit under SIPC up to USD 500,000. That cover is a limit on broker failure, not a guarantee on what an account earns.
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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