Degiro vs. XTB
Comparison: Degiro vs. XTB – Which broker is better? A quick comparison based on the trading platform, fees, deposit or withdrawal options, and regulation in 2026.
Winner of this comparison: XTB with an overall rating of 60%
Basic information
| Basic information |  Degiro |  XTB |
|---|---|---|
| Deposit | 100 EUR/USD | 1 EUR/USD |
| Spreads | *The value is indicative from the broker's website. The spread amount is variable. | 0.9 EUR/USD |
| Established | 2008 | 2002 |
| Currency Pairs (Total Forex pairs) | 9 | 71 |
| Country | Germany | Poland, Cyprus, UK |
| Regulation | Authorised in the European Union (EU) | FCA (UK), Authorised in the European Union (EU), Cysec |
| Trading app | Web Platform | Desktop Platform (Windows), Web Platform |
| Number of CFD asset classes | 2 | 6 |
| Broker type | ECN, STP | MM |
| Support | Phone, Mail | Phone, Mail, Chat |
| Funding methods | * Some of the payment methods may not be available in your country. Bank Wire | * Some of the payment methods may not be available in your country. Skrill, PayPal, Visa/Mastercard, Bank Wire |
| Real Stocks and ETFs | Yes | Yes |
*The value is indicative from the broker's website. The spread amount is variable.
XTB · www.xtb.com
77% of retail CFD accounts lose money.
Comparison Result
If you don’t want to read the full comparison, the winner of our review is XTB, which takes the lead with a rating of 60%, while Degiro only reaches 23%. Degiro requires a minimum deposit of 100 EUR/USD, while XTB sets it at 1 EUR/USD. Conversely, XTB scores with a lower minimum deposit. For Degiro, the spread is 0 EUR/USD, while for XTB it is 0.9 EUR/USD. Tighter spreads make Degiro a more advantageous choice. Degiro offers 9 forex pairs, while XTB provides 71. More options come with XTB. Degiro was founded in 2008, while XTB has been operating since 2002. The older XTB has the upper hand in this regard. Both brokers allow trading with real stocks. Degiro is overseen by 1 regulatory bodies, while XTB has 3. Stricter oversight at XTB gives it an advantage. Degiro supports 1 platforms, while XTB offers 2. More options are provided by XTB.
23%
Degiro
60%
XTB
Key Strengths
Degiro
XTB
- Offers real stocks and ETFs
- Automatic investing
- Pays interest on uninvested funds
- Regulated by FCA (UK) and Cysec and under supervision
- Video content and webinars for clients
- XTB is a trustworthy brand established in 2002
Comparison by Categories
Comprehensive Comparison: Degiro vs XTB
Degiro XTB Investments
25 % 75 %| Investments | Degiro | XTB |
|---|---|---|
| Currency Pairs (Total Forex pairs) | 9 | 71 |
| CFDs – Total Offered | 0 | 8600+ |
| Options CFD | Yes | No |
| Share CFDs | No | Yes |
| Forex CFD | No | Yes |
| Commodities CFD | No | Yes |
| ETF CFD | Yes | Yes |
| Indicies CFD | No | Yes |
| Cryptocurrency traded as actual | No | No |
| Cryptocurrency traded as CFD | No | Yes |
Cost
80 % 40 %| Cost | Degiro | XTB |
|---|---|---|
| Average Spread EUR/USD *The value is indicative from the broker's website. The spread amount is variable. | 0 | 0.9 |
| Deposit from | 100 | 1 |
| Account fee | No | No |
| Inactivity fee | Yes | Yes |
| Active Trader or VIP Discounts | No | No |
| Withdrawal fees | No | Yes |
| Deposit fees | No | Yes |
Trading app
14 % 29 %| Trading app | Degiro | XTB |
|---|---|---|
| Desktop Platform (Windows) | No | Yes |
| Web Platform | Yes | Yes |
| Social Trading / Copy-Trading | No | No |
| MetaTrader 4 (MT4) | No | No |
| MetaTrader 5 (MT5) | No | No |
| Currenex | No | No |
| cTrader | No | No |
Trading Tools
60 % 100 %| Trading Tools | Degiro | XTB |
|---|---|---|
| Financial leverage | Yes | Yes |
| Virtual Trading (Demo) | Yes | Yes |
| Alerts – Basic Fields | No | Yes |
| Charting – Indicators / Studies (Total) | Yes | Yes |
| Charting – Drawing Tools (Total) | Yes | Yes |
| Charting – Trade From Chart | Yes | Yes |
| Stop-Loss | Yes | Yes |
| Finacial Calendar | No | Yes |
| Daily financial news | No | Yes |
| Order Type – Trailing Stop | No | Yes |
Research
33 % 100 %| Research | Degiro | XTB |
|---|---|---|
| Daily Market Commentary | Yes | Yes |
| Forex News (Top-Tier Sources) | No | Yes |
| Weekly Webinars | No | Yes |
| Social Sentiment – Currency Pairs | No | Yes |
| Economic Calendar | No | Yes |
| Research | Yes | Yes |
Education
33 % 100 %| Education | Degiro | XTB |
|---|---|---|
| Has Education – Forex | No | Yes |
| Has Education – CFDs | No | Yes |
| Client Webinars | No | Yes |
| Videos – Advanced Trading Videos | No | Yes |
| Investor Dictionary (Glossary) | Yes | Yes |
| Education | Yes | Yes |
Forex
0 % 100 %| Forex | Degiro | XTB |
|---|---|---|
| GBP/USD | No | Yes |
| USD/JPY | No | Yes |
| EUR/USD | No | Yes |
| USD/CHF | No | Yes |
| USD/CAD | No | Yes |
| NZD/USD | No | Yes |
| AUD/USD | No | Yes |
Commodities
0 % 82 %| Commodities | Degiro | XTB |
|---|---|---|
| Gold | No | Yes |
| Silver | No | Yes |
| WIT Oil | No | Yes |
| Brent Oil | No | Yes |
| Coffee | No | Yes |
| Cocoa | No | Yes |
| Soybeans | No | Yes |
| Rice | No | No |
| Corn | No | No |
| Platinum | No | Yes |
| Palladium | No | Yes |
Indicies
100 % 100 %| Indicies | Degiro | XTB |
|---|---|---|
| DAX 40 | Yes | Yes |
| S&P 500 | Yes | Yes |
| Nasdaq | Yes | Yes |
| Dow Jones | Yes | Yes |
| Nikkei | Yes | Yes |
Cryptocurrencies
0 % 60 %| Cryptocurrencies | Degiro | XTB |
|---|---|---|
| Bitcoin | No | Yes |
| Litecoin | No | Yes |
| Ethereum | No | Yes |
| Ripple | No | Yes |
| Neo | No | No |
| Stellar | No | Yes |
| Cardano | No | No |
| Tron | No | No |
| Monero | No | No |
| EOS | No | Yes |
Regulations
17 % 50 %| Regulations | Degiro | XTB |
|---|---|---|
| Cysec | No | Yes |
| ASIC (Australia) | No | No |
| FCA (UK) | No | Yes |
| Authorised in the European Union (EU) | Yes | Yes |
| CFTC Registered (USA) | No | No |
| FINMA (Switzerland) | No | No |
Support
67 % 100 %| Support | Degiro | XTB |
|---|---|---|
| Chat | No | Yes |
| Phone | Yes | Yes |
| Yes | Yes |
Overall
23 % 60 %| Overall | Degiro | XTB |
|---|
Our Recommendations
Best for XTB
Thanks to comprehensive educational materials and a user-friendly platform, XTB is an ideal choice for new traders.
Best Platform XTB
The trading platform of broker XTB offers an intuitive interface and advanced features for efficient trading.
Lowest Costs Degiro
offers competitive spreads and lower fees, making it ideal for active traders.
Degiro XTB