XTB
SoFi Invest
VS
Higher Rated
XTB
Capital at risk · T&Cs apply
Choosing between XTB and SoFi Invest depends on your trading style, preferred markets, and budget. XTB is headquartered in Warsaw, Poland, while SoFi Invest operates from San Francisco, USA. XTB has the longer track record, established in 2002, compared to SoFi Invest which was founded in 2012. 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
SoFi Invest
| XTB | SoFi Invest | |
|---|---|---|
| BrokerRank Score | 3.8/5 ✓ | 3.3/5 |
| Min. Deposit | $0 ✓ | $1 |
| Spread from | 0.1 pips | 0 pips ✓ |
| Max Leverage | 1:500 ✓ | 1:1 |
| Regulation | FCA, CySEC ✓ | SEC |
| Platforms | Proprietary Web, Proprietary Mobile, MT4 | Proprietary Web, Proprietary Mobile |
XTB is the better choice overall, scoring 3.8/5 vs 3.3/5 on BrokerRank's independent rating. On fees, SoFi Invest offers lower spreads (0 pips).
See full side-by-side comparison belowXTB
WinnerSoFi Invest
XTB
SoFi Invest
Lower feesXTB holds licences from FCA, CySEC. SoFi Invest is regulated by SEC.
Both brokers offer access to Stocks, Indices markets. XTB additionally covers Forex, Cfd, Commodities. SoFi Invest adds Crypto.
On spreads, SoFi Invest is more competitive with EUR/USD spreads from 0.0 pips, compared to 0.1 pips at XTB.
XTB supports Proprietary Web, Proprietary Mobile, MT4. SoFi Invest offers Proprietary Web, Proprietary Mobile. Both brokers are available on Proprietary Web, Proprietary Mobile.
XTB requires no minimum deposit, while SoFi Invest sets a minimum deposit of $1. This makes XTB accessible to traders with any budget.
BrokerRank scores XTB at 3.81/5 and SoFi Invest at 3.33/5, based on 50+ data points covering regulation, fees, platforms, markets, and user experience. XTB leads overall with a clear advantage.
XTB
3.8/5
Choose XTB if you want…
SoFi Invest
3.3/5
Choose SoFi Invest if you want…
XTB scores higher overall on our independent rating system. XTB holds a 3.8/5 rating vs SoFi Invest's 3.3/5. The best choice ultimately depends on your trading style — see our full verdict above for a detailed breakdown.
XTB offers spreads from 0.1 pips, while SoFi Invest starts at 0 pips. Check the fees section above for a full breakdown.
XTB requires a minimum deposit of $0. SoFi Invest requires $1.
XTB is regulated by FCA, CySEC, while SoFi Invest holds licences from SEC.
XTB supports Proprietary Web, Proprietary Mobile, MT4. SoFi Invest supports Proprietary Web, Proprietary Mobile.
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.