| 0.25 % | Fees | 0% commission; costs over the spread |
| € 3.00 | Cost for €1,000 | Not comparable (spread-based) |
| 100+ | Cryptos | 25–50 crypto CFDs |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA/Bank transfer, credit/debit card, e-wallets (Skrill, Neteller – with fee) |
| MiCA license via BaFin | Regulation | Regulated by KNF (Poland), CySEC (Cyprus), FCA (UK), among others |
No separate analysis -- based on Bitpanda.
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 248 user reviews analyzed by AI from the Apple App Store and Google Play Store. The total number of reviews on the respective platforms may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The ratings displayed reflect users’ experiences and do not represent the site operator’s own assessment. All information without guarantee. As of: June 2026. This comparison does not constitute investment advice.
| ✓ | Maker/Taker Model | ✓ |
| ✓ | Order Types | ✓ |
| ✓ | API | ✓ |
| ✓ | Charts | ✓ |
| ✓ | Aggregated Order Books | ✓ |
| ✓ | Savings Plan | ✓ |
| ✓ | Wallet Transfer | ✓ |
| ✓ | 2FA Security | ✓ |
| ✓ | BaFin License | ✓ |
| ✓ | Mobile App | ✓ |
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Card | ✓ |
| ✓ | Futures trading | ✓ |
| ✓ | Copy trading | ✓ |
| ✓ | Tax export | ✓ |
| ✓ | Demo mode | ✓ |
| ✓ | Education area | ✓ |
| Bitpanda GmbH | Company | XTB S.A. |
| 2014 | Founded | 2002 |
| MiCA license via BaFin | Regulation | Regulated by KNF (Poland), CySEC (Cyprus), FCA (UK), among others |
| € 1 | Minimum Amount | 0 € (recommended approximately 250 € for the first deposit) |
| eID, Photo ID | KYC | Photo ID, fully digital verification |