DEGIRO vs XTB
Detailed side-by-side broker comparison
DEGIRO (BaFin, minimum deposit $0) and XTB (FCA/KNF, minimum deposit $0) are two regulated brokers competing for retail investors in the CIS and EU markets. This comparison is built from verified data on fees, available instruments, trading platforms and country access — so you can see exactly where each broker wins before you open an account.
Across 9 fee categories we track, DEGIRO comes out cheaper in 2, while XTB wins only 0. For active traders this gap compounds over time — commission, FX markup and custody fees are the three that hurt portfolio returns the most. On asset class coverage XTB is ahead with 6 instrument categories versus 5 at DEGIRO — relevant if you plan to diversify beyond stocks into bonds, ETFs, commodities or crypto.
Both brokers have similar entry requirements, so the decision comes down to fees and instruments. DEGIRO supports 2 trading platforms, XTB supports 2.
Trust dimensions side by side
Where it's safer
Five trust dimensions per our methodology. The further from the centre — the stronger. Dashed line is the industry median.
XTB leads on the combined score — 100/100 vs 75/100. Industry median is 72.
Overview
XTB leads with 4 out of 9 objective metrics. On fees specifically, DEGIRO wins 2 of 9 categories.
Fees & Commissions
Fee scenario
Approximate — based on listed fees only. Real costs depend on instrument, currency conversion and individual trade size.
Instruments & Markets
800k+ instruments · 6k+ instrumentsRegulators & investor protection
- BaFin—Germany
- Additional licences on file: AFM/DNB.
- FCA—United Kingdom
- KNF—Poland (EU)
- CySEC—Cyprus (EU)
Both brokers operate under Tier-1 jurisdictions, so regulatory oversight strength is comparable.
Account & Support
DEGIRO
XTB
Pros & Cons
DEGIRO
- Publicly-listed parent — full annual report transparency
- €2.00 per trade for EU and US stocks — among the lowest in EU retail
- Real assets only — no CFDs in the account
- Strong Trustpilot rating (4.1★)
- Wide instrument selection (800k+)
- Not available in CIS countries — EU/UK residents only
- No fractional shares — each position requires the full share price
- Platform UI has not kept pace with newer entrants
- No negative balance protection
- No fractional shares
XTB
- Zero commission on real stocks & ETFs below €100,000 monthly turnover
- WSE-listed public company (XTB SA, ticker XTB) — quarterly financial disclosures
- xStation 5 proprietary platform — single-app for stocks + CFD + FX
- Multi-regulator coverage: FCA (UK), KNF (Poland), CySEC (EU passporting)
- Wide instrument selection (6k+)
- Above-threshold pricing aggressive: 0.2% commission with £10 minimum
- No options or futures — derivatives are CFD-only
- Demo expires after 30 days of inactivity
- Trustpilot 'fake reviews removed' notice on broker page
- Trustpilot flagged reviews for removal · 3.7/5 from 2384
Who each broker is for
Verdict
Both DEGIRO and XTB are regulated brokers offering access to global financial markets. However, they differ significantly in fees, available instruments, and minimum deposit requirements. Below is our expert assessment to help you make an informed decision.
Choose DEGIRO if you want lower fees.
Choose XTB if you want more instruments, negative balance protection, fractional shares.
- Just starting outXTB· faster KYC
- Active tradingXTB· lower fees, more instruments, faster withdrawals
- Advanced / professionalEither works
Ultimately, the best choice depends on your trading style, budget, and preferred instruments. We recommend using our Broker Quiz for a personalized recommendation.
Frequently asked questions
Common questions about this comparison and how to use it.