Trade Republic vs XTB: Which Broker Suits You?
Trade Republic scores 3.4 and XTB 3.6 out of 5 on our published methodology. Trade Republic 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.
Overall score
Trade Republic
3.4/5
Best for: Low-cost EU investing & savings plans
Read the full Trade Republic review →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
| Trade Republic | XTB | |
|---|---|---|
| What you own | Real assets | Mixed |
| Available assets | Stocks, ETFs, bonds and crypto, plus warrants and private-market funds | Real stocks and ETFs alongside 5,400+ CFDs |
| Regulated by | German bank licence, supervised by BaFin and the Bundesbank, with branches in several EU countries | FCA, KNF, CySEC, DFSA and others |
| Stands out for | A flat €1 order fee, free savings plans and interest on uninvested cash | Commission-free stocks and ETFs up to a high monthly threshold |
| Watch out for | EU only, an app-first service whose support has struggled with rapid growth, and tax reporting that varies by country | The product range is CFD-weighted, and availability varies by country |
| Accepts clients in | The EU | The UK, the EU and other countries |
Is Trade Republic cheaper than XTB?
On our Costs & Fees score, Trade Republic 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, Trade Republic or XTB?
Trade Republic is regulated by German bank licence, supervised by BaFin and the Bundesbank, with branches in several EU countries; 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, Trade Republic scores 5/5 and XTB 4/5. Trade Republic is the gentler place to start.
Who each one tends to suit
Trade Republic
- Tends to suit
- Low-cost EU investing & savings plans
- Stands out for
- A flat €1 order fee, free savings plans and interest on uninvested cash
- Watch out for
- EU only, an app-first service whose support has struggled with rapid growth, and tax reporting that varies by country
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.