Side-by-Side Comparison Independent Updated Apr 19, 2026
XTB vs DEGIRO 2026: Which Broker is Better?
Choosing between XTB and DEGIRO depends on your trading style, preferred markets, and budget. XTB is headquartered in Warsaw, Poland, while DEGIRO operates from Amsterdam, Netherlands. XTB has the longer track record, established in 2002, compared to DEGIRO which was founded in 2013. This in-depth comparison covers regulation, fees, platforms, markets, and overall ratings to help you decide which broker is the better fit in 2026.
XTB
DEGIRO
VS
| XTB | DEGIRO | |
|---|---|---|
| BrokerRank Score | 3.8/5 ✓ | 3.3/5 |
| Min. Deposit | $0 | $0 |
| Spread from | 0.1 pips | 0 pips ✓ |
| Max Leverage | 1:500 ✓ | 1:1 |
| Regulation | FCA, CySEC ✓ | FCA |
| Platforms | Proprietary Web, Proprietary Mobile, MT4 | Proprietary Web, Proprietary Mobile |
Quick VerdictBrokerRank recommends
Best for Beginners
XTBDEGIRO
Best for Low Fees
DEGIROXTB
Best for Regulation
XTBDEGIRO
Best Overall
XTBDEGIRO
Quick Answer
XTB is the better choice overall, scoring 3.8/5 vs 3.3/5 on BrokerRank's independent rating. On fees, DEGIRO offers lower spreads (0 pips).
See full side-by-side comparison belowXTB vs DEGIRO: Key Differences
Feature
XTB
WinnerDEGIRO
Our Rating
3.8 / 5
3.3 / 5
Min. Deposit
$0
$0
Spread From
0.1 pips
0 pips
Commission
None
$1.75/lot
Platforms
Proprietary Web, Proprietary Mobile, MT4
Proprietary Web, Proprietary Mobile
Markets
Forex, Cfd, Stocks, Indices, Commodities, Crypto
Stocks, Indices, Commodities
Founded
2002
2013
Headquarters
Warsaw, Poland
Amsterdam, Netherlands
Score
3 / 4
1 / 4
Fees Comparison
Fee
XTB
DEGIRO
Spread From
0.1 pips
0 pips
Commission
None
$1.75/lot
Deposit Fee
None
None
Withdrawal Fee
None
None
Regulation & Trust
XTB holds licences from FCA, CySEC. DEGIRO is regulated by FCA.
Markets & Assets
Both brokers offer access to Stocks, Indices, Commodities markets. XTB additionally covers Forex, Cfd.
Fees & Spreads
On spreads, DEGIRO is more competitive with EUR/USD spreads from 0.0 pips, compared to 0.1 pips at XTB.
Trading Platforms
XTB supports Proprietary Web, Proprietary Mobile, MT4. DEGIRO offers Proprietary Web, Proprietary Mobile. Both brokers are available on Proprietary Web, Proprietary Mobile.
Minimum Deposit
XTB requires no minimum deposit, while DEGIRO sets no minimum deposit. This makes XTB accessible to traders with any budget.
Overall Ratings
BrokerRank scores XTB at 3.81/5 and DEGIRO at 3.27/5, based on 50+ data points covering regulation, fees, platforms, markets, and user experience. XTB leads overall with a clear advantage.
BrokerRank Verdict
XTB is our recommended pick in this comparison, scoring 3.81/5 versus DEGIRO's 3.27/5. Both brokers carry equivalent tier-1 regulation. DEGIRO has a fees advantage with 0.0 pip spreads. DEGIRO is still a solid option for traders who prefer DEGIRO's specific platform or market selection, but XTB offers a stronger overall package for the majority of traders.
Who Should Choose Which?
XTB
3.8/5
Choose XTB if you want…
- Higher overall rating (3.8/5)
- No per-trade commission
- Higher leverage (up to 1:500)
- More regulatory licences (2)
DEGIRO
3.3/5
Choose DEGIRO if you want…
- Tighter spreads (from 0 pips)
Also consider
We earn a commission when you open an account through these links, at no extra cost to you. Our ratings are scored independently — see the full independent ranking.
Both XTB & DEGIRO are available in
Frequently Asked Questions
1Is XTB better than DEGIRO?
XTB scores higher overall on our independent rating system. XTB holds a 3.8/5 rating vs DEGIRO's 3.3/5. The best choice ultimately depends on your trading style — see our full verdict above for a detailed breakdown.
2Which has lower fees, XTB or DEGIRO?
XTB offers spreads from 0.1 pips, while DEGIRO starts at 0 pips. Check the fees section above for a full breakdown.
3What is the minimum deposit for XTB vs DEGIRO?
XTB requires a minimum deposit of $0. DEGIRO requires $0.
4Which broker is safer, XTB or DEGIRO?
XTB is regulated by FCA, CySEC, while DEGIRO holds licences from FCA.
5What trading platforms do XTB and DEGIRO support?
XTB supports Proprietary Web, Proprietary Mobile, MT4. DEGIRO supports Proprietary Web, Proprietary Mobile.
6Can I use both XTB and DEGIRO?
Yes, you can hold accounts at multiple brokers simultaneously. Many traders diversify across platforms to access different markets and tools.
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Trading involves risk. Past performance is not indicative of future results. Capital at risk. Full risk disclosure.
Higher Rated
XTB
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