Revolut vs XTB: Which Broker Suits You?
Revolut scores 3.0 and XTB 3.6 out of 5 on our published methodology. XTB leads on Platform & Tools, Regulation & Trust and Asset Range, and they tie on Costs & Fees and Account Access & Support. Both accept clients in the UK, the EU and other countries.
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
| Revolut | XTB | |
|---|---|---|
| What you own | Real assets | Mixed |
| Available assets | Stocks, ETFs and crypto, with the menu varying by country | Real stocks and ETFs alongside 5,400+ CFDs |
| Regulated by | Varies by region: FCA in the UK, an EU entity in the EEA | FCA, KNF, CySEC, DFSA and others |
| Stands out for | Investing built into an app millions already have open | Commission-free stocks and ETFs up to a high monthly threshold |
| Watch out for | A narrow menu with tiered free-trade limits; not a dedicated broker | The product range is CFD-weighted, and availability varies by country |
| Accepts clients in | The UK, the EU and other countries | The UK, the EU and other countries |
Is Revolut cheaper than XTB?
Both score 3/5 on Costs & Fees, so neither has a clear overall cost advantage on our measures; which is cheaper for you depends on what you trade, how often, and in which currency. Fees differ by country and account type and change often, so check both brokers’ current price lists before you choose.
Which is safer, Revolut or XTB?
Revolut is regulated by Varies by region: FCA in the UK, an EU entity in the EEA; XTB by FCA, KNF, CySEC, DFSA and others. XTB scores higher on our Regulation & Trust measure (4/5 against 3/5). 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, Revolut scores 5/5 and XTB 4/5. Revolut is the gentler place to start.
Who each one tends to suit
Revolut
- Tends to suit
- Investing inside a banking app
- Stands out for
- Investing built into an app millions already have open
- Watch out for
- A narrow menu with tiered free-trade limits; not a dedicated broker
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.