Updated October 12, 2026 · BrokerCue Editorial Team
willbe vs XTB
Where willbe and XTB differ
| Compare |  willbe |  XTB |
|---|---|---|
| Minimum deposit | €200 | €0Lower |
| Markets | ETFs, Funds, Metals | Stocks, ETFs, Forex, CFDs, Crypto |
| Currency conversion fee | 0.3%Lower | 0.5% |
| Deposit and withdrawal fees | Free same-currency deposits and withdrawals | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Willbe app | XStation 5, XStation Mobile |
| Stock trade fee | Not confirmed | €0 |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| Regulators | Not confirmed | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Investor protection | Not confirmed | EU ICS up to EUR 20,000 |
| Retail accounts that lose money | Not confirmed | 77% |
| Maximum retail leverage | Not confirmed | 1:30 |
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Key differences
- Founded is lower at willbe: 1861 vs 2002.
- Minimum deposit is lower at XTB: €0 vs €200.
- Currency conversion fee is lower at willbe: 0.3% vs 0.5%.
- Markets: only willbe offers Funds, Metals.
- Markets: only XTB offers Stocks, Forex, CFDs.
- Platforms: only willbe offers Willbe app.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only willbe offers Help centre.
- Support channels: only XTB offers Chat.
- Features: only XTB offers Demo account, Crypto.
Our verdict on each
willbe
willbe pairs phone based saving in nine currencies with ETF, fund, stock and gold investing from Liechtenstein. For savers who want cash style balances and market holdings in one app, it gives a clear starting point for steady long term plans.
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 | willbe | XTB |
|---|---|---|
| Cost | 8.9 | 9.1Higher |
| Offer | 8.9 | 9.3Higher |
| Trust | 9.9Higher | 9.6 |
Availability and regulation
| Country | willbe | XTB |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed |
How they place
| Ranking | willbe | XTB |
|---|---|---|
| Stock and ETF brokers | 36 of 491 | 3 of 491 |
| Brokers for beginners | 11 of 88 | 1 of 88 |
Every fact side by side
| Fact | willbe | XTB |
|---|---|---|
| Features | Mobile app | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Low fees | Commission free, Low feesCovers more |
| Audience | Beginners | Beginners |
| Legal entity | Liechtensteinische Landesbank AG | XTB Limited |
| Headquarters | Liechtenstein | Cyprus |
| Founded | 1861Lower | 2002 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone |
Robo-advisors
| Fact | willbe | XTB |
|---|---|---|
| Management fee | 0.49% | Not confirmed |
| Minimum investment | €200 | Not confirmed |
| Portfolio types | ETF, ESG, Cash | Not confirmed |
Where each stands against the rest
| Fact | willbe | XTB | Median |
|---|---|---|---|
| Minimum deposit | €200highest quarter | €0below the median | €1 |
| Stock trade fee | Not confirmed | €0below the median | €1 |
| Account fee | Not confirmed | €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 | 0.3%below the median | 0.5%above the median | 0.4% |
Median across 41 listed brokers.
Pros and cons
willbe
Pros
- One app covers saving alongside ETF, stock and gold investing
- Nine currency balances support everyday spending and saving abroad
- Physical gold option adds a tangible stability element
Cons
- Phone led service focused on app use alone
- Learning material such as the blog is offered in German only
- ETF and fund choice centres on a set savings plan range
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
willbe
Who it suits
- Phone led savers who like currency choice and gold
- Long term planners who prefer steady diversification
Who should look elsewhere
- Readers who want desktop software or in person advice
- Readers who want English language guides and blogs
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
Current offers
willbe
Current offer
First period offer
Download the app and save 3 months of fees: 3 months of fees free
Source, checked September 26, 2026
Questions about each
willbe
Where is willbe based and who is behind it?+
willbe is the finance app from Liechtenstein. It comes from Liechtensteinische Landesbank and brings saving and investing together in one app for long term building of assets. Liechtenstein gives direct access to the EEA and is noted for a balanced national budget and an AAA standing.
How does the willbe app work?+
You manage saving and investing through the willbe app on your phone. You can hold cash style balances, run a savings plan and view gold, ETF, stock and managed options side by side. The layout keeps everyday balances and long term holdings in one clear view.
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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