DEGIRO vs XTB: Which Broker Suits You?
DEGIRO scores 3.4 and XTB 3.6 out of 5 on our published methodology. DEGIRO leads on Costs & Fees; XTB leads on Platform & Tools and Account Access & Support, and they tie on Regulation & Trust and Asset Range. Both accept clients in the EU.
Score by score
Each category is scored 1–5 using our published methodology. The overall score is the plain average of the first five; ease of use is shown separately.
Key facts side by side
| DEGIRO | XTB | |
|---|---|---|
| What you own | Real assets | Mixed |
| Available assets | Stocks, ETFs, bonds and funds across many European and global exchanges | Real stocks and ETFs alongside 5,400+ CFDs |
| Regulated by | BaFin (flatexDEGIRO Bank SE), with DNB and AFM overseeing the Dutch branch | FCA, KNF, CySEC, DFSA and others |
| Stands out for | Among the lowest per-trade costs available in Europe | Commission-free stocks and ETFs up to a high monthly threshold |
| Watch out for | Basic platform, no forex, and not open to US residents | The product range is CFD-weighted, and availability varies by country |
| Accepts clients in | The EU | The UK, the EU and other countries |
Is DEGIRO cheaper than XTB?
On our Costs & Fees score, DEGIRO rates 4/5 against XTB’s 3/5, so it is generally the cheaper of the two for the costs we assess: commissions, spreads, currency conversion and account fees. Fees differ by country and account type and change often, so check both brokers’ current price lists before you choose.
Which is safer, DEGIRO or XTB?
DEGIRO is regulated by BaFin (flatexDEGIRO Bank SE), with DNB and AFM overseeing the Dutch branch; XTB by FCA, KNF, CySEC, DFSA and others. Both score 4/5 on our Regulation & Trust measure. Which company holds your account, and which investor compensation scheme covers it, depends on where you live. Compensation schemes cover a broker failing, never investment losses.
Which is better for beginners?
On ease of use for a beginner, which sits outside the overall score, DEGIRO scores 3/5 and XTB 4/5. XTB is the gentler place to start.
Who each one tends to suit
DEGIRO
- Tends to suit
- Low-cost European investing
- Stands out for
- Among the lowest per-trade costs available in Europe
- Watch out for
- Basic platform, no forex, and not open to US residents
XTB
- Tends to suit
- European CFD & stock trading
- Stands out for
- Commission-free stocks and ETFs up to a high monthly threshold
- Watch out for
- The product range is CFD-weighted, and availability varies by country
More head-to-heads
Scores and facts come from our own reviews as of September 2026 and follow one published methodology. Plain Investor has no commercial relationship with either broker. This is general education, not personal financial advice. Fees, features and regulation change, so confirm current terms with each broker before opening an account.