EToro vs XTB : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

EToro

XTB

Broker Overview

Broker Type (e.g., Market Maker, ECN/STP)

Market maker

Years of Existence / Established Year

2007

2002

Customer Base / Number of Accounts

20 Million

2 Million

Regulation & Security

Regulations (governing bodies)

FCA, CySEC, MFSA, ADGM, ASIC, FSA, FINRA, SEC

FCA, KNF, CySEC, DFSA, BaFin, FSCA, and FSC.

Awards Won (count for the last 2 years)

Best Cryptocurrency Platforms by Good Money guide awards

Best for low cost ISA 2025, Best CFD Broker of 2025, Europe's fastest growing company 2025, Highly Recommended Finder Awards 2024,

Security Measures

AML, ICF

FSCS

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Yes

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

5545+ stocks

11400+ trading instruments, including an investment plan

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Futures

Bonds

Mutual Funds

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Precious Metals

Yes

Real Estate Investment Trusts (REITs)

Equities

Yes

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

MT5

cTrader

Social Trading

Yes

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

Web trading and Mobile trading apps

X station

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

Account Types (Retail, Pro, VIP, etc.)

Professional, Retail or Personal account, Corporate account

Standarad, Professional

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

$50.00

Leverage Available

1:2 to 1:30

1:2 to 1:500

Trade Limit (maximum per trade)

Depends on the assets class

Depends on assets class

Commission (per account type)

Best Suited For (e.g., beginners, experienced traders)

Beginners

Beginners to experienced traders

Deposit & Withdrawal Options

Deposit Methods

Debit card, Online banking, Wire transfer, e-Wallets

bank transfers, credit and debit cards, e-wallets

Withdrawal Methods

Debit card, Online banking, Wire transfer, e-Wallets

bank transfers, credit and debit cards, e-wallets

Other E-Wallets Supported

PayPal

Skrill, Neteller

Tools & Educational Resources

Economic Calendar

Yes

Tools & Educational Resources (tutorials, webinars, market news, etc.)

eToro Guides and eBooks, Crypto and Trading Courses, Trading Academy, Market News and Analysis, Webinars

Educational Articles and Market Articles

Fees & Commissions

Trading-Related Fees

Stocks- $1 or $2, Commission- $0, ETFs-$0, Spread-0, Crypto-2% of the transaction size; Minimum: $1 to Maximum: $100, CFD(Stocks and EFTs)- 0.15%, Crypto CFDs: 1%

Spread 0.1 to 0.8 pips, Stock transfer fee- USD 25, ETF commission- 0.2%

Spread (typical, fixed, variable)

Fixed

Variable

Per Lot Fees

0.08% per lot, or 0.16% per round turn

Options Contract Fees

Futures Contract Fees

Markup Fees on Spread

1% for both opening and closing a position

Guaranteed Stop Loss Fees

Maximum Leverage

30:1

(1:500)

Non-Trading Fees

Dormant Fees

$10/month after 12 months of inactivity

Charges apply 12 months of inactivity

Subscription Fees (for premium features, data feeds)

Advisory Fees

0% advisory fee for cash-enhanced portfolio, 0.30% annual advisory fee for market-focused portfolio, 0.75-0.85% annual advisory fee for personal advice

Swap Fees (Overnight Financing)

Statement or Document Fee

Account Opening Fee

Account Maintenance Fee

Deposit Fee

$0- Bank transfer, Visa, Mastercard, or Maestro, 2% fee for deposits via Skrill.

Currency Conversion Fee

0.75%

0.50%

Withdrawal Fee

$5 fee for withdrawals to external accounts

$0 - above $50, £5 or $20 fee for withdrawals below £50 or $50

Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Customer Benefits (e.g., Retirement Plan)

Trading Hours

Trading Hours (for each asset class if applicable)

9:30am ET until 4pm during normal business days

22:00 on Sunday to 21:00 on Friday GMT.

Customer Support

Support Hours (e.g., 24/7, weekdays only)

24/7

(24/5)

Customer Support Methods (phone, email, live chat)

Chatbot, Live chat, Ticket

Phone: +48 222 739 976, Live chat, E-mail: [email protected]

Support Languages

19+

Additional Information

Headquarters Location

4th floor, One Canada Square Canary Wharf London, E14 5AB United Kingdom

Poland

Complaints (for crypto brokers)

At TradingCritique, we don't just list brokers. We test, compare, and simplify your decision-making. Whether you're a beginner or a pro, our data-driven comparisons are built to match your trading style and region. Learn how we Evaluate a broker.

While eToro maintains low trading fees with no minimum deposit, XTB includes some charges for premium features and certain asset trades, making eToro the better option for budget-focused traders.

If speed and simplicity matter to you, eToro delivers a streamlined account setup. In contrast, XTB includes more documentation and KYC checks, which can delay access but ensures strong compliance.

eToro provides a modern trading experience with its proprietary platform, ideal for technical traders. XTB, on the other hand, offers more research tools and is better suited for data-driven investors.

eToro supports complex strategies and asset diversity, while XTB offers clarity and low-cost access for long-term holders.

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