Bitget vs XTB Comparison
| 0.1 % | Fees | 0% commission on crypto Contracts for Difference; costs apply through spreads and swap fees. |
| € 1.00 | Minimum cost per €1,000 | Not comparable (spread-based) |
| 1080+ | Cryptos | 30+ crypto Contracts for Difference |
| SEPA Transfer, Credit Card | Payment Methods | SEPA/bank transfer (free), credit/debit card, PayPal (0.85% fee); card fees vary by country |
| No MiCA authorisation; CASP application pending with Austria's FMA (as of August 2026) | Regulation | Regulated by the KNF (Poland), CySEC (Cyprus), FCA (UK) and others; locally supervised through its EU branches |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, calculated from the disclosed trading fee. A price markup in the spread is not included, because most providers do not publish it.
| € 1.00 | Minimum cost per €1,000 | Not comparable (spread-based) |
| 0.1 % | Fees | 0% commission on crypto Contracts for Difference; costs apply through spreads and swap fees. |
| € 7.47 | Wallet transfer | - |
| Yes | Cost transparency | Variable spreads |
| € 5 | Minimum Amount | 0 € (no minimum deposit) |
| SEPA Transfer, Credit Card | Payment Methods | SEPA/bank transfer (free), credit/debit card, PayPal (0.85% fee); card fees vary by country |
Pros & Cons
- Over 1080 cryptocurrencies available
- Low spot fees of 0.1% and futures from 0.02%
- Total costs of €4.00 per trade
- Staking is offered
- Wallet transfer possible
- Minimum investment from €5 possible
- Not available in Germany or France. Both countries appear in Bitget's own terms of use among the restricted jurisdictions: German users have been unable to open accounts since 16 January 2026, and in France all services ended on 31 March 2026.
- Only nine of the 1,230 coins trade directly against the euro. Everything else requires a detour through another currency.
- No granted MiCA authorisation; the CASP application is pending with Austria's FMA
- No savings plan available
- User interface with numerous popups and notifications after login
- Broad multi-asset offering: 39 crypto Contracts for Differences plus more than 12,300 instruments across stocks, ETFs, forex, commodities and indices
- Long and short crypto positions with leverage up to 1:2, plus stop-loss and take-profit
- 0% commission on real stocks and ETFs up to €100,000 in monthly trading volume
- Established, publicly listed broker with 20+ years of history and multi-regulator oversight
- Locally regulated European branches with support in the local language, plus extensive educational resources
- Crypto is offered only as Contracts for Differences - no option to buy and hold real coins, so XTB suits traders seeking price exposure rather than investors wanting to own and withdraw crypto
- Because positions are Contracts for Differences, transferring crypto to a personal wallet isn't possible (expected for this product type, but a limitation if self-custody is your goal)
Score Comparison
User Experiences
AI AnalysisBitget is frequently praised in user data for its intuitive app, clear design, and ease of use. At the same time, users in the reviews also report criticism regarding fees and support, so the overall picture varies depending on the user experience.
According to the analyzed user reviews, the overall picture of XTB is mixed. Users particularly appreciate the clear, easy-to-understand interface; however, in terms of support, fees, and technical reliability, users occasionally report critical experiences.
This analysis is based on 675 user reviews evaluated by AI from the Apple App Store, Trustpilot, and Google Play Store. The total number of reviews on the respective platforms may be higher — the displayed platform ratings (star ratings) refer to all reviews available there. The ratings shown reflect users' experiences and do not represent the website operator's own assessment. All information is provided without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | Whitelist | ✓ |
| ✓ | SEPA transfer | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Card | ✓ |
| ✓ | Futures trading | ✓ |
| ✓ | Copy trading | ✓ |
| ✓ | Tax export | ✓ |
| ✓ | Demo mode | ✓ |
| ✓ | Education area | ✓ |
- Over 1080 tradable cryptocurrencies – one of the largest selections
- Spot fees from 0.1% and futures from 0.02% are considered low
- Copy trading and bot trading available
- Total costs of €4.00 per trade
- More than 20 years on the market and over 2.5 million customers
- Interest on uninvested balances in different currencies
- XTB Card and payment account as additional features for private customers
The five areas head to head
AI AnalysisFees & Costs
Users more often express criticism in the reviews when it comes to fees and costs. Users report that the fees are sometimes perceived as high. As a result, this cost area is described by some users as having room for improvement.
When it comes to fees, the user picture is rather critical: according to reviews, the fee structure is occasionally perceived as high, while some users rate the value for money positively.
Usability & User Experience
Users especially appreciate Bitget's intuitive app and its ease of use in everyday trading. According to reviews, the interface is often described as clear, although some users occasionally perceive it as confusing. The quick verification process and smooth trading workflows are also mentioned positively.
Users mostly describe the app as clear, well structured, and easy to use. Verification is perceived by some users as quick, which makes getting started easier. In some cases, the registration process is described as confusing.
Features & Offering
According to reviews, users particularly praise copy trading, as well as the wide range of promotions and events on the platform. Users report an overall broad offering that can be used well in everyday trading. Occasionally, users would like additional convenience features such as a landscape view on the iPad, the return of certain icons, or more offers for specific regions.
From the users’ perspective, there is above all a wish for expanded features: more indicators, a risk-reward ratio, and more flexibility when moving charts and setting take-profit/stop-loss. Some users also want partial closing of positions, a clearer presentation, and continuous trading around the clock.
Stability & Security
In terms of stability and reliability, Bitget is repeatedly described by users as reliable. According to reviews, fast trades are also mentioned positively, suggesting mostly smooth everyday use. However, some users occasionally report delayed withdrawals, which means this area is not perceived uniformly.
Regarding stability and reliability, users repeatedly mention technical weaknesses of the app in their reviews. App stability is occasionally described as room for improvement, for example in the display of charts and indicators. Some users also mention a chart display that is sometimes unclear.
Customer Support
The user data paints an overall critical picture of support. Users report room for improvement in response times and occasionally note that replies to inquiries do not arrive or that concerns are only handled with delays. According to reviews, support is also sometimes viewed critically in connection with registration, account matters, and withdrawals.
In terms of support, users repeatedly describe accessibility as room for improvement; in some cases, missing responses are mentioned. The payout process is also criticized in individual reports. Overall, customer service is rated rather cautiously according to user reviews.
Details
| BG Limited | Company | XTB S.A. |
| 2018 | Founded | 2002 |
| No MiCA authorisation; CASP application pending with Austria's FMA (as of August 2026) | Regulation | Regulated by the KNF (Poland), CySEC (Cyprus), FCA (UK) and others; locally supervised through its EU branches |
| € 5 | Minimum Amount | 0 € (no minimum deposit) |
| Personal information | KYC | Photo ID, fully digital verification |
Verdict
In our overall rating Bitget leads with 4.9 against 4.5 for XTB.
For most investors Bitget is therefore the better choice.
Bitget is especially valued for its large selection of over 1080 cryptocurrencies and low spot fees starting at 0.1%. In addition, the copy trading and bot trading features are considered a standout offering, which is viewed particularly positively by active traders. Futures fees starting at 0.02% are among the lowest in the comparison.
However, it should be noted that Bitget does not have EU regulation or a BaFin license and is headquartered in the Seychelles. This aspect is seen by security-conscious investors as having room for improvement. The lack of a savings plan and the user interface with numerous popups after login are also occasionally criticized.
Bitget is considered especially suitable for experienced traders who prioritize a large coin selection, copy trading, and low trading fees, and are willing to do without EU regulation.
XTB stands out as an established, publicly listed multi-asset broker with more than 20 years of market experience and over 2.5 million clients. Its main strengths are a clear, easy-to-use interface and an unusually broad offering of more than 12,300 instruments - including 39 crypto Contracts for Differences alongside real stocks, ETFs, forex and commodities. The 0% commission on stocks and ETFs up to €100,000 in monthly volume, the XTB card and payment account, locally regulated European branches with support in the local language, and the depth of educational material all add to its appeal.
The key thing to understand is how XTB offers crypto: as Contract for Differences rather than as actual coins. That's a deliberate product design, not a defect - Contracts for Differences let you go long or short with leverage and built-in risk controls. But it does mean you never own the underlying crypto and can't move it to a personal wallet. If your goal is self-custody or long-term holding of real coins, a dedicated crypto platform fits better; if you want regulated, flexible price exposure within a single multi-asset account, XTB's approach is a sensible match. Some users also note room for improvement in support responsiveness and app stability.
Overall, XTB is best suited to investors who want a regulated, broadly positioned broker with locally supervised European branches, strong stock and ETF conditions, and integrated crypto Contracts for Differences trading - and who value a simple, clear and intuitive interface over direct crypto ownership.
**Contracts for Differences are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading Contract for Differences with this provider. You should consider whether you understand how Contracts for Differences work and whether you can afford to take the high risk of losing your money.