eToro vs XTB
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 and copy trading; XTB adds the xStation platform. Our pick for EU retail stock-pickers: XTB. For copy-portfolios: eToro.
Editor: Kyrylo Vasyliev
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 2 fee categories we track, XTB comes out cheaper in 2, while eToro 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 eToro — relevant if you plan to diversify beyond stocks into bonds, ETFs, commodities or crypto.
If entry budget matters, XTB is more accessible with a minimum deposit of £0. eToro supports 2 trading platforms, XTB supports 2 — check the platforms section below to confirm your preferred terminal is available.
Trust dimensions side by side
Where it's safer
Five trust dimensions per our methodology. The further from the centre — the stronger. The dashed line is our fixed reference level, the same on every axis.
eToro and XTB are tied — both score 100/100; our fixed reference line is 72.
Overview
XTB leads with 5 out of 9 objective metrics. On fees specifically, XTB wins 2 of 2 categories.
Fees & Commissions
Fee scenario
Approximate — based on verified fees only. Per-share commissions assume a $50 share price. 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
- FSA Seychelles—Seychelles
- FCA—United Kingdom
- KNF—Poland (EU)
- CySEC—Cyprus (EU)
- Additional licences on file: DFSA, FSC Belize.
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
- Strong Trustpilot rating (4★)
- Negative balance protection
- 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
- Licensed companies in Poland (KNF), the UK (FCA) and Cyprus (CySEC)
- Wide instrument selection (6k+)
- Above-threshold pricing aggressive: 0.2% commission with a 10 EUR minimum
- No options or futures — derivatives are CFD-only
- Demo expires after 30 days of inactivity
Who each broker is for
Verdict
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 stronger regulation.
Choose XTB if you want lower fees, more instruments, lower entry barrier.
- Just starting outXTB· lower entry barrier, 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.