X
XTB
3.8 / 5Score: 3 / 4
A commission-free, multi-asset platform built for traders who want breadth, leverage, and dual tier-1 regulation in one package.
- Min deposit
- $0
- Max leverage
- 1:500
- Spread from
- 0.1 pips
- Regulators
- FCA, CySEC
Reviewed by Experts Updated 9/16/2026
XTB vs DEGIRO: Which Broker Wins in 2026?
XTB and DEGIRO both target cost-conscious investors, but they take very different paths to get there. Our independent research gives XTB the overall edge at 3.8/5 versus DEGIRO's 3.3/5, though DEGIRO clinches the win on raw spread pricing.
D
DEGIRO
3.3 / 5Score: 1 / 4
A no-leverage, spread-focused platform built for cost-conscious stock and ETF investors who value simplicity over breadth.
- Min deposit
- $0
- Max leverage
- 1:1
- Spread from
- 0 pips
- Regulators
- FCA
Overall Winner
XTB
Best for Beginners
XTB
Lowest Fees
DEGIRO
Top Regulation
XTB
Side-by-side comparison
Core features compared head-to-head.
| Feature | X XTB | D DEGIRO |
|---|---|---|
| Overview | ||
| Rating | 3.8 / 5 | 3.3 / 5 |
| Founded | 2002 | 2013 |
| Headquarters | Warsaw, Poland | Amsterdam, Netherlands |
| Regulation | FCA, CySEC | FCA |
| Fees & Limits | ||
| Min Deposit | $0 | $0 |
| Spreads From | 0.1 pips | 0 pips |
| Commission | None | $1.75/lot |
| Max Leverage | 1:500 | 1:1 |
| Platforms & Markets | ||
| Trading Platforms | Proprietary Web, Proprietary Mobile, MT4 | Proprietary Web, Proprietary Mobile |
| Markets Offered | Forex, Cfd, Stocks, Indices, Commodities, Crypto | Stocks, Indices, Commodities |
Trading & non-trading fees
Min Deposit
XTB
$0
DEGIRO
$0
Spreads From
XTB
0.1 pips
DEGIRO
0 pips
Commission
XTB
None
DEGIRO
$1.75/lot
Deposit Fees
XTB
None
DEGIRO
None
Withdrawal Fees
XTB
None
DEGIRO
None
Pros & cons
X
XTB
Pros
- Achieves a higher independent rating at 3.8 out of 5
- Zero per-trade commission simplifies cost calculations
- High leverage ceiling of 1:500 suits active margin traders
- Covers two tier-1 regulatory licences for added oversight
- Wide market range spanning six asset classes
- MT4 support enables automated and algorithmic trading
- No minimum deposit required to open an account
Cons
- Spreads from 0.1 pips are technically wider than DEGIRO's headline rate
- High leverage of 1:500 can amplify losses for inexperienced traders
- No MT5 support listed alongside MT4
- Crypto and CFD offerings may carry added risk warnings for retail clients
D
DEGIRO
Pros
- Tightest headline spread in this comparison at 0 pips
- No minimum deposit barrier to open an account
- No deposit or withdrawal fees charged
- Straightforward proprietary platform suite for web and mobile
- FCA regulation provides tier-1 oversight
- 1:1 leverage naturally limits margin-related risk
Cons
- Lower overall independent rating at 3.3 out of 5
- Charges a per-lot commission of $1.75 despite tight spreads
- Only one regulatory licence listed versus competitors with multiple
- No forex or crypto market access
- No MT4 or MT5 support for algorithmic trading
Our expert verdict
Editor's verdict
Overall winner XTB
Lowest fees DEGIRO
Best regulation XTB
Better for beginners XTB
XTB is our overall recommended pick, earning a 3.8/5 rating compared to DEGIRO's 3.3/5 on our independent scoring system. XTB pulls ahead thanks to broader regulatory coverage, commission-free trading, higher leverage ceilings, and a wider range of tradable markets including forex and crypto. DEGIRO still wins on headline pricing, offering spreads from 0 pips versus XTB's 0.1 pips, and remains a credible choice for investors focused purely on low-cost stock and ETF investing. For most active traders, however, XTB's broader toolkit and stronger regulatory profile make it the more complete package.
Regulation & Safety
Both brokers operate under tier-1 regulatory oversight, which is the baseline any serious trader should demand. XTB is regulated by both the FCA and CySEC, giving it two separate tier-1 regulatory licences across different jurisdictions.
DEGIRO, by comparison, holds a single FCA licence in our facts matrix. While this is still a reputable regulator, having only one licence versus XTB's two gives XTB a slight edge in terms of jurisdictional redundancy and oversight breadth.
Neither broker charges deposit or withdrawal fees, which is a positive sign for cost transparency on both sides. Overall, XTB's dual-regulation structure makes it our pick for traders who prioritize regulatory depth.
Fees, Spreads & Commissions
This is where DEGIRO fights back hardest. DEGIRO advertises spreads from 0 pips, technically undercutting XTB's spreads from 0.1 pips on a headline basis.
However, DEGIRO charges a commission of $1.75 per lot, whereas XTB charges no per-trade commission at all. This means the true cost comparison depends heavily on trading frequency and position size — high-volume traders may find XTB's commission-free model more predictable and ultimately cheaper.
Both brokers require a $0 minimum deposit, removing barriers to entry for new traders on either platform. Neither broker imposes deposit or withdrawal fees, so funding and withdrawing capital is cost-neutral on both sides.
Trading Platforms & Tools
XTB supports three platform options: its own Proprietary Web platform, a Proprietary Mobile app, and the industry-standard MetaTrader 4 (MT4). This gives traders flexibility to choose between XTB's native tools or a widely supported third-party charting and automation environment.
DEGIRO offers a more streamlined setup with just its Proprietary Web platform and Proprietary Mobile app. There is no MT4 or MT5 support, which may be a limiting factor for traders who rely on custom indicators, Expert Advisors, or algorithmic strategies.
For traders who value platform choice and automation capability, XTB's inclusion of MT4 is a meaningful differentiator. DEGIRO's simpler platform suite may suit buy-and-hold investors who don't need advanced charting infrastructure.
Market Access & Leverage
XTB offers access to Forex, CFDs, Stocks, Indices, Commodities, and Crypto — a genuinely diverse product suite covering both short-term trading and longer-term investing. XTB also supports leverage up to 1:500, giving active traders significant flexibility for margin-based strategies.
DEGIRO's market access is narrower, covering Stocks, Indices, and Commodities, with no listed forex or crypto offering in our facts matrix. Its maximum leverage sits at 1:1, meaning DEGIRO is effectively structured around unleveraged, cash-based investing rather than margin trading.
This distinction matters enormously depending on your trading style. Forex and CFD traders seeking leverage will find XTB far better suited to their needs, while conservative, long-term stock investors may appreciate DEGIRO's leverage-free approach as a built-in risk control.
Company Background
XTB was founded in 2002 and is headquartered in Warsaw, Poland, giving it over two decades of operating history in the retail trading space. This longer track record can translate into more mature infrastructure, deeper liquidity relationships, and refined customer support processes.
DEGIRO was founded in 2013 and is headquartered in Amsterdam, Netherlands. While younger than XTB, DEGIRO has still built a solid reputation, particularly among European investors focused on low-cost equity investing.
Neither company's founding date alone should dictate your decision, but XTB's longer operating history does align with its broader product suite and multi-jurisdictional regulation.
Our Verdict
Based on our independent rating system, XTB is the stronger all-around broker, scoring 3.8/5 versus DEGIRO's 3.3/5. XTB wins on regulation depth, commission structure, leverage, platform variety, and market breadth.
DEGIRO's core advantage is its tighter headline spread from 0 pips, making it our pick for best low fees in this comparison. It remains a solid option for cost-focused stock and ETF investors who don't need forex, crypto, or leveraged products.
Ultimately, the right choice depends on your trading profile. Multi-asset traders and those wanting margin flexibility should lean toward XTB, while simplicity-focused equity investors may still find DEGIRO a fitting match.
Verdict summary
The bottom line — category winners and our final pick based on ratings.
Editor's verdict
XTB wins overall
XTB edges out DEGIRO overall based on our expert rating score.
X
Highest Rated
XTB
3.8 / 5 / 5
Category winners
Overall winner
Based on overall expert rating (3.8/5).
XTBBetter for beginners
Stronger onboarding and educational resources.
XTBLower trading costs
More competitive spreads and baseline commissions.
DEGIROStronger regulation
Higher trust based on tier-1 regulatory oversight.
XTB
Frequently asked questions
According to our independent rating system, XTB comes out ahead with a score of 3.8 out of 5, compared to DEGIRO's 3.3 out of 5. XTB's advantage stems from broader market access, commission-free trading, higher leverage, and dual tier-1 regulation. That said, DEGIRO remains competitive for investors focused purely on low-cost stock trading, so your ideal pick depends on your specific trading goals.
DEGIRO advertises spreads starting from 0 pips, technically tighter than XTB's spreads from 0.1 pips. However, DEGIRO also charges a commission of $1.75 per lot, while XTB charges no commission at all. Depending on your trade size and frequency, XTB's commission-free structure can end up more cost-effective overall.
Both brokers offer a $0 minimum deposit requirement, making them equally accessible to new traders with limited starting capital. Neither platform charges deposit or withdrawal fees, so funding your account carries no additional cost on either side.
XTB is regulated by both the FCA and CySEC, giving it two separate tier-1 regulatory licences. DEGIRO is regulated by the FCA alone in our facts matrix. Both are considered tier-1 regulated brokers, but XTB's additional licence gives it a slight edge in regulatory breadth.
XTB supports its own Proprietary Web and Mobile platforms alongside full MetaTrader 4 (MT4) integration, giving traders access to automated strategies and custom indicators. DEGIRO offers only its Proprietary Web and Mobile platforms, with no MT4 or MT5 support listed.
XTB offers leverage up to 1:500, making it suitable for active forex and CFD traders who want margin flexibility. DEGIRO, by contrast, operates at a maximum of 1:1 leverage, effectively functioning as an unleveraged, cash-based investing platform.
XTB supports Forex, CFDs, Stocks, Indices, Commodities, and Crypto, giving it a genuinely diverse multi-asset offering. DEGIRO's listed market access covers only Stocks, Indices, and Commodities, meaning forex and crypto traders will need to look to XTB instead.
Yes, there is nothing stopping you from holding accounts at both brokers simultaneously. Many traders diversify across multiple platforms to access different markets, tools, and fee structures depending on their strategy.
XTB is our pick for beginners, largely due to its $0 minimum deposit, commission-free structure, and higher overall rating of 3.8 out of 5. Its inclusion of educational-friendly proprietary platforms alongside MT4 also gives newer traders room to grow into more advanced strategies.
XTB was founded in 2002 and is headquartered in Warsaw, Poland, giving it over two decades of industry experience. DEGIRO was founded more recently in 2013 and is based in Amsterdam, Netherlands, making it the younger of the two companies.
Risk warning: Trading CFDs and forex involves significant risk of loss and is not suitable for all investors. Please consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.