DEGIRO vs XTB: Which Is Better in 2026?
Choosing between DEGIRO and XTB? Here is the short answer, then the full breakdown on fees, features, and who each one is best for.
Reviewed by Yaniv Barshaf, CPA · Fees verified 6 October 2026 · Our methodology
Disclosure: FeesWizard may earn a commission if you open an account through links on this page. This never affects our fee data or rankings — how we make money.
XTB: 74% of retail investor accounts lose money when trading CFDs with XTB Limited (UK); 77% with XTB Limited (CY).
XTB Limited (UK) is authorised and regulated by the Financial Conduct Authority (FRN 522157). XTB Limited (CY) is authorised and regulated by the Cyprus Securities and Exchange Commission (169/12).
Best overall: XTB
Both are established, low-cost European brokers for real stocks and ETFs. DEGIRO charges a €1 handling fee per trade but offers commission-free Core Selection ETFs and a low 0.25% AutoFX fee — often the cheaper option for pure ETF investors. XTB is commission-free up to €100,000 monthly turnover (then 0.2%), with a higher 0.5% FX fee but a genuinely powerful platform and research in xStation. For the lowest ETF dealing cost, DEGIRO; for a better platform and research alongside commission-free trading, XTB. UK investors should note that XTB offers a Stocks & Shares ISA and DEGIRO does not.
- Best for beginners: XTB
- Best for low fees: DEGIRO
- Best for advanced: XTB
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with XTB Limited (UK); 77% with XTB Limited (CY), which serves clients outside the UK. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
DEGIRO vs XTB at a glance
| Feature | DEGIRO | XTB |
|---|---|---|
| Rating | 4.3 / 5 | 4.7 / 5 |
| Stock commission | Commission plus a EUR 1 handling fee per trade: EUR 2 total on US and Canadian exchanges, EUR 4.90 on London and on any European exchange outside your own country, EUR 6 on Australia, Frankfurt, Hong Kong, Singapore and Tokyo. ETFs EUR 3, or EUR 1 handling only for the Core Selection (the ETFs listed on Tradegate). Your domestic market is priced separately and the discount is not the same everywhere: Euronext Milan, Bolsa de Madrid and Euronext Paris all cost EUR 2 on their national schedules, Euronext Amsterdam and Brussels EUR 3 on the Dutch one and Euronext Dublin EUR 3 on the Irish one, Nasdaq Stockholm SEK 20 all-in on the Swedish one, while the German schedule gives XETRA no discount at all and charges the full EUR 4.90 | 0% up to €100k monthly turnover, then 0.2% (min €10) |
| Withdrawal fee | Free to a linked bank account | Free, with no minimum withdrawal amount - XTB charges no withdrawal commission, including on foreign-currency withdrawals |
| Inactivity fee | None (DEGIRO publishes EUR 0 inactivity, custody, deposit and withdrawal fees) | EUR 10/month, only after 365 days with no trade AND no deposit in the previous 90 days. Not charged on ISA accounts, where open positions are held, or on a zero balance. |
| Min deposit | None | None |
| Fractional shares | No | Yes |
| Demo account | No | Yes |
| Regulators | BaFin, AFM, DNB | FCA, CySEC, KNF |
Pros and cons
DEGIRO
Pros
- +Very low dealing costs — €1 handling fee, or commission-free Core Selection ETFs
- +No inactivity fee and no minimum deposit
- +Low 0.25% AutoFX currency-conversion mark-up
- +Client cash held as a German bank deposit under flatexDEGIRO Bank
Cons
- −€2.50 per-exchange, per-year connectivity fee on non-home markets
- −Pays 0% on uninvested cash, capped at 0% by its own price list, while Trading 212 pays interest
- −US stocks carry an added commission on top of the €1 handling fee
- −No UK ISA; primarily aimed at EU-resident investors
XTB
Pros
- +Commission-free stocks and ETFs (under turnover cap)
- +Flexible UK Stocks & Shares ISA with no platform fee
- +No minimum deposit
- +Well-regulated and established
- +Strong, user-friendly platform
Cons
- −0.5% FX fee is higher than some rivals
- −0.2% commission above €100k monthly turnover
- −Inactivity fee if both idle and not depositing
XTB
Best for low-cost stock and ETF investing in the EU/UK
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with XTB Limited (UK); 77% with XTB Limited (CY), which serves clients outside the UK. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Frequently Asked Questions
Is DEGIRO or XTB cheaper?
DEGIRO charges Free to a linked bank account for withdrawals, while XTB charges Free, with no minimum withdrawal amount - XTB charges no withdrawal commission, including on foreign-currency withdrawals. Stock commission is Commission plus a EUR 1 handling fee per trade: EUR 2 total on US and Canadian exchanges, EUR 4.90 on London and on any European exchange outside your own country, EUR 6 on Australia, Frankfurt, Hong Kong, Singapore and Tokyo. ETFs EUR 3, or EUR 1 handling only for the Core Selection (the ETFs listed on Tradegate). Your domestic market is priced separately and the discount is not the same everywhere: Euronext Milan, Bolsa de Madrid and Euronext Paris all cost EUR 2 on their national schedules, Euronext Amsterdam and Brussels EUR 3 on the Dutch one and Euronext Dublin EUR 3 on the Irish one, Nasdaq Stockholm SEK 20 all-in on the Swedish one, while the German schedule gives XETRA no discount at all and charges the full EUR 4.90 on DEGIRO and 0% up to €100k monthly turnover, then 0.2% (min €10) on XTB. Your real cost depends on how often you trade and withdraw.
Is DEGIRO safe?
DEGIRO is regulated by BaFin, AFM, DNB. Regulation does not remove investment risk, but it means client funds are subject to oversight in those jurisdictions.
Which is better for beginners, DEGIRO or XTB?
XTB is generally the more beginner-friendly option thanks to a simpler interface and lower barriers to entry.
XTB
Best for low-cost stock and ETF investing in the EU/UK
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with XTB Limited (UK); 77% with XTB Limited (CY), which serves clients outside the UK. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.