eToro vs XTB
Detailed side-by-side broker comparison
eToro (FCA/CySEC, minimum deposit $50) 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, XTB comes out cheaper in 2, while eToro wins only 1. 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 eToro — 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. eToro 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.
eToro and XTB are tied — both score 100/100 against an industry median of 72.
Overview
XTB leads with 5 out of 9 objective metrics. On fees specifically, XTB 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
3k+ instruments · 6k+ instrumentsRegulators & investor protection
- FCA—United Kingdom
- CySEC—Cyprus (EU)
- ASIC—Australia
- FCA—United Kingdom
- KNF—Poland (EU)
- CySEC—Cyprus (EU)
Both brokers operate under Tier-1 jurisdictions, so regulatory oversight strength is comparable.
Account & Support
eToro
XTB
Pros & Cons
eToro
- 0% commission on ETFs — no threshold, no monthly cap
- Copy trading and Smart Portfolios — one-click diversified exposure
- Fractional shares from $10 — access any stock regardless of price
- Available in Kazakhstan, Ukraine, Georgia, Turkey and Uzbekistan
- Strong Trustpilot rating (4.1★)
- 0.75% FX conversion markup on every trade for non-USD investors
- $5 withdrawal fee (USD accounts) + real stocks cost $1/open + $1/close
- Social feed can obscure fundamental analysis
- Slow wire withdrawals (3-8 days)
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 · 3.6/5 from 2701
Who each broker is for
Verdict
Both offer 0% on ETFs, but eToro charges $1/open+$1/close on stocks while XTB is free under €100k/month turnover. eToro adds fractional shares, copy trading and CIS availability; XTB adds platform tools and more markets. Our pick for EU retail stock-pickers: XTB. For copy-portfolios or CIS investors: eToro.
Both eToro 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 eToro if you want an unlimited demo, a stronger Trustpilot rating.
Choose XTB if you want lower fees, more instruments, lower entry barrier.
- Just starting outXTB· lower entry barrier, an unlimited demo, faster KYC
- Active tradingXTB· lower fees, more instruments, faster withdrawals
- Advanced / professionalXTB· more exchanges, more account currencies
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.