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 · Fees verified June 2026 · Our methodology
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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. Neither offers a UK ISA.
- Best for beginners: XTB
- Best for low fees: DEGIRO
- Best for advanced: XTB
Capital at risk. This is not financial advice. Investing involves risk of loss.
DEGIRO vs XTB at a glance
| Feature | DEGIRO | XTB |
|---|---|---|
| Rating | 4.4 / 5 | 4.5 / 5 |
| Stock commission | €1 handling fee per trade on most markets; US stocks add a further ~€1 commission. Core Selection ETFs: €1 handling fee only (fair-use policy applies) | 0% up to €100k monthly turnover, then 0.2% (min €10) |
| Withdrawal fee | Free to a linked bank account | Free above €100 (some entities charge €10 below €100) |
| Inactivity fee | None | €10/month after 1 year inactive with no deposit in 90 days |
| Min deposit | $0 | $0 |
| 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
- −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)
- +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
Capital at risk. This is not financial advice. Investing involves risk of loss.
Frequently Asked Questions
Is DEGIRO or XTB cheaper?
DEGIRO charges Free to a linked bank account for withdrawals, while XTB charges Free above €100 (some entities charge €10 below €100). Stock commission is €1 handling fee per trade on most markets; US stocks add a further ~€1 commission. Core Selection ETFs: €1 handling fee only (fair-use policy applies) 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
Capital at risk. This is not financial advice. Investing involves risk of loss.