Sofi Active Investing vs XTB : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

Sofi Active Investing

XTB

Broker Overview

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

Market maker

Years of Existence / Established Year

2019

2002

Customer Base / Number of Accounts

6.2+ Million

2 Million

Regulation & Security

Regulations (governing bodies)

SEC, FINRA

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

Awards Won (count for the last 2 years)

No major awards listed

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

Security Measures

SIPC

FSCS

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Yes

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

IPO, IRA, Shares

11400+ trading instruments, including an investment plan

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Bonds

Mutual Funds

Yes

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

Copy Trading

Other Trading Platforms (proprietary, etc.)

Mobile and Web app

X station

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

Individual brokerage, IRA (Traditional, Roth, SEP)

Standarad, Professional

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

Leverage Available

1:2 to 1:500

Trade Limit (maximum per trade)

Account Equity < $25,000: No Day Trades

Depends on assets class

Commission (per account type)

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

Passive investors

Beginners to experienced traders

Deposit & Withdrawal Options

Deposit Methods

Bank transfers (ACH), direct deposit from linked bank accounts

bank transfers, credit and debit cards, e-wallets

Withdrawal Methods

ACH transfer back to linked bank accounts

bank transfers, credit and debit cards, e-wallets

Other E-Wallets Supported

Skrill, Neteller

Tools & Educational Resources

Economic Calendar

Yes

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

Learn (Investing Education), Market Insights and Analysis, Webinars, Investing Guides, Financial Planning Tools, Sofi Insights (Market News)

Educational Articles and Market Articles

Fees & Commissions

Trading-Related Fees

Stocks, ETFs-$0,Commission -$0

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

Spread (typical, fixed, variable)

Variable

Per Lot Fees

0.08% per lot, or 0.16% per round turn

Options Contract Fees

$0- $5

Futures Contract Fees

Markup Fees on Spread

Guaranteed Stop Loss Fees

Maximum Leverage

(1:500)

Non-Trading Fees

Dormant Fees

$25

Charges apply 12 months of inactivity

Subscription Fees (for premium features, data feeds)

Advisory Fees

Depending on assets type, Professional charges- 1% , annual advisory fees as low as 0.25%

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

$5 paper statement 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

0.50%

Withdrawal Fee

Outgoing ACAT transfers $100

$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)

Yes

Trading Hours

Trading Hours (for each asset class if applicable)

Depends on the instrument offer

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

Customer Support

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

Monday - Friday 5am-5pm PT

(24/5)

Customer Support Methods (phone, email, live chat)

Live chat, Phone: 855-456-7634, Virtual assistant

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

Support Languages

Additional Information

Headquarters Location

San Francisco, California.

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.

Sofi Active Investing stands out for its zero-commission trading model, appealing to cost-conscious investors. In contrast, XTB offers more comprehensive services with slightly higher fees, especially for advanced tools and asset classes.

Account approval at Sofi Active Investing is usually completed within hours, often with automated ID checks. XTB might take longer due to manual reviews, but provides in-depth onboarding support along the way.

Traders who value simplicity and execution speed may prefer Sofi Active Investing platform. Meanwhile, XTB offers more flexibility through tools like advanced order types and multi-screen support.

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

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