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Broker Comparison

Totality vs XTB

Compare Totality and XTB side by side: fees, regulation, platforms.

Totality

Totality

Australian investors and active multi-asset traders

Totality is an Australian multi-asset broker, formerly Saxo Australia, offering stocks, ETFs, bonds, FX, CFDs…

VS
XTB

XTB

Investors who want ETFs, stocks and CFDs in one app

XTB combines stocks, ETFs, CFDs, options, ETF plans, cash interest and a multi-currency card. Its German bran…

Head-to-head comparison

Totality vs XTB
Feature Totality XTB
Minimum deposit Zero minimum deposit 1 EUR
Stock trading fee Brokerage from $1 on US stocks; ASX from 0.03%, min. 3 AUD; NYSE from 0.03%, min. 1 USD 0% commission up to 100 000 EUR monthly turnover; above that 0.2%, minimum 10 EUR
Regulators ASIC BaFin, KNF, FCA, CySEC
Best for Australian investors and active multi-asset traders Investors who want ETFs, stocks and CFDs in one app
Markets & account
Stocks
ETFs
Forex
CFDs
Crypto
Bonds
—
Options
Futures
—
Margin
—
Multi Currency
Business Account
—
Demo Account
—
Fractional Shares
—
Investment Plans
—

Pros & cons

Totality

Totality

Pros

  • Zero minimum deposit lowers the cash barrier to start
  • No account maintenance or inactivity fees
  • US stock and ETF brokerage starts from $1
  • ASX stocks and ETFs from 0.03%, min. 3 AUD
  • Foreign currency sub-accounts are free to open
  • 11 currency sub-accounts can reduce repeated FX conversions
  • 20-day demo includes a simulated USD 100,000 account
  • Position transfers between Totality sub-accounts are free

Cons

  • Transfers out cost AUD 50 per ISN, capped at AUD 200
  • FX conversion costs up to plus/minus 0.45 percent
  • Saxo-branded platforms were retired on 1 April 2026
  • Some features, such as level 2 market data, require a subscription
  • Classic negative NFE is charged at Totality Ask + 8%
  • Crypto funding and withdrawals are not supported
XTB

XTB

Pros

  • 0% stock and ETF commission up to 100 000 EUR monthly turnover
  • Minimum deposit is 1 EUR
  • Fractional shares are available for selected stocks
  • ETF investment plans can start from 15 EUR
  • Automatic interest on non-invested cash
  • XTB card supports accounts in up to 25 currencies
  • Negative balance protection is available for CFDs

Cons

  • Trades above 100 000 EUR cost 0.2%, minimum 10 EUR
  • Currency conversion fee is 0.50%
  • Inactivity fee can reach 10 EUR per month after one year
  • Crypto is offered as CFDs
  • Retail CFD leverage is capped at 1:30
Totality

Totality

Totality is an Australian multi-asset broker, formerly Saxo Australia, offering stocks, ETFs, bonds, FX, CFDs, futures, options and crypto exposure on web, mobile and desktop platforms.

Visit Totality Read review

Your capital is at risk. Other fees apply.

XTB

XTB

XTB combines stocks, ETFs, CFDs, options, ETF plans, cash interest and a multi-currency card. Its German branch is supervised by KNF and BaFin.

Visit XTB Read review

Your capital is at risk. Other fees apply.

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