Updated September 29, 2026 · BrokerCue Editorial Team
Webull vs XTB
Webull vs XTB: the differences
| Compare |  Webull |  XTB |
|---|---|---|
| Stock trade fee | $0 | €0 |
| Markets | Stocks, ETFs, Options, Futures, Crypto, Bonds, Funds | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | FINRA, SEC, SIPC | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Deposit and withdrawal fees | $0 incoming stock transfer | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Desktop, Mobile, Web | XStation 5, XStation Mobile |
| Minimum deposit | 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% |
| Options contract fee | $0 | Not confirmed |
| Account types | IRA | Not confirmed |
| Maximum retail leverage | Not confirmed | 1:30 |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Webull scores higher overall: 9.6 vs 9.3.
- Regulators: only Webull offers FINRA, SEC, SIPC.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- XTB is licensed in 2 more countries.
- Markets: only Webull offers Options, Futures, Bonds.
- Markets: only XTB offers Forex, CFDs.
- Platforms: only Webull offers Desktop, Mobile, Web.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only Webull offers Help centre.
- Support channels: only XTB offers Chat.
Our verdict on each
Webull
Webull suits US retail investors who want a single app for stocks, options, futures, crypto and retirement saving, and the fee line is the draw: a stock trade costs $0. Investor protection is SIPC up to USD 500,000, though the account range is narrow.
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 | Webull | XTB |
|---|---|---|
| Cost | 9.7Higher | 9.1 |
| Offer | 9.3 | 9.3 |
| Trust | 9.8Higher | 9.6 |
Availability and regulation
| Country | Webull | XTB |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed | |
| United States | SIPC SIPC member 71394 | Not confirmed |
What each covers
| Markets | Webull | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Options | Yes | No |
| Futures | Yes | No |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
| Funds | Yes | No |
How they place
| Ranking | Webull | XTB |
|---|---|---|
| Stock and ETF brokers | 45 of 471 | 3 of 471 |
Every fact side by side
| Fact | Webull | XTB |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Options, Futures, Mobile appCovers more | Demo account, Mobile app, Crypto |
| Pricing model | Commission free | Commission free, Low feesCovers more |
| Audience | Not confirmed | Beginners |
| Legal entity | WEBULL FINANCIAL LLC | XTB Limited |
| Headquarters | Not confirmed | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone |
Where each stands against the rest
| Fact | Webull | XTB | Median |
|---|---|---|---|
| Minimum deposit | 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% |
| Options contract fee | $0lowest quarter | Not confirmed | $0.625 |
Median across 52 listed brokers.
Pros and cons
Webull
Pros
- A stock trade costs $0 and an options contract $0 on the ira account.
- Investor protection is SIPC up to USD 500,000, with registration under FINRA, SEC and SIPC.
- A single app covers stocks, etfs and options, so shares, bonds, funds, options, futures and crypto sit together.
Cons
- Support runs on email, phone and help centre, with no live chat listed.
- Account choice is narrow, with ira the only type listed.
- Across the brokers compared, the middle retail loss share is 70.15% and the top of the range 88%.
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
Webull
Who it suits
- US retail investors who want stocks, options, futures and crypto under a single login
- Beginners using the demo account in crypto, demo account and fractional shares before committing money
- Retirement savers who want $0 stock trades in the same app
Who should look elsewhere
- eToro, if you want forex and CFDs, since stocks, etfs and forex include them
- CFI, if your focus is forex and CFDs rather than stocks, etfs and options
- Vantage, if you trade metals and CFDs, which its forex, cfds and stocks cover
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 | Webull | XTB |
|---|---|---|
| United States | Yes | No |
Questions about each
Webull
What does it cost to trade?+
A stock trade costs $0 and an options contract $0, on the ira account. The pricing model is commission free, and incoming stock transfers are free. Costs stay low, though they do not decide whether a trade makes money.
Is my money protected if the firm fails?+
Accounts sit with WEBULL FINANCIAL LLC. Investor protection is SIPC up to USD 500,000, and registration with FINRA, SEC and SIPC applies, with SIPC membership listed as SIPC member 71394. Low costs do not change that, so weigh the retail loss figures before you trade.
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.
Other options to compare
Other matchups
- Webull vs Nexo
- XTB vs Afranga
- XTB vs Nectaro
- Webull vs Charles Schwab
- Webull vs TradeStation
- Webull vs Lightspeed Financial
- Webull vs tastytrade
- Webull vs Trading 212
- Webull vs Wealthsimple
- Webull vs TradeZero
- Webull vs Merrill Edge
- Webull vs Acorns Checking
- Webull vs Public
- Webull vs Mitrade
- Webull vs Exness
- Webull vs Betterment
- Webull vs Wealthfront
- Webull vs Saxo
- Webull vs Ally Bank
- Webull vs Dodl
- Webull vs Plus500
- XTB vs ActivTrades
- XTB vs DKB (Deutsche Kreditbank)
- XTB vs NAGA
- XTB vs UNest
- Webull vs eToro
- XTB vs Linxea
- XTB vs bunq
- Webull vs Mintos
- Webull vs Robinhood
- Webull vs Kraken
- XTB vs EBC Financial Group
- XTB vs BlackBull Markets