ByBit EU vs XTB Comparison
| 0.25% taker 0.10 to 0.15% maker from 5 Oct 2026: 0.25% | Fees | 0% commission on crypto Contracts for Difference; costs apply through spreads and swap fees. |
| — | Minimum cost per €1,000 | Not comparable (spread-based) |
| +100 | Cryptos | 30+ crypto Contracts for Difference |
| — | Payment Methods | SEPA/bank transfer (free), credit/debit card, PayPal (0.85% fee); card fees vary by country |
| MiCAR license via FMA | 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 A price markup in the spread is not included, because most providers do not publish it.
| — | Minimum cost per €1,000 | Not comparable (spread-based) |
| 0.25% taker 0.10 to 0.15% maker from 5 Oct 2026: 0.25% | Fees | 0% commission on crypto Contracts for Difference; costs apply through spreads and swap fees. |
| — | Wallet transfer | - |
| — | Cost transparency | Variable spreads |
| 1 EUR per order, card deposit from 10 USD | Minimum Amount | 0 € (no minimum deposit) |
| — | Payment Methods | SEPA/bank transfer (free), credit/debit card, PayPal (0.85% fee); card fees vary by country |
Pros & Cons
- MiCA licence from Austria's FMA – a clear regulatory basis for EU/EEA investors
- Spot fees from 0.10% maker / 0.25% taker
- Hundreds of tradable crypto assets
- Assets held largely in cold storage, 2FA, proof-of-reserves audits
- Fast execution and a well-rated app (iOS/Android)
- Registered in Vienna, inside the EU
- No futures or other derivatives for EEA retail clients, spot trading only
- Security incident in February 2025 (around 401,000 ETH drained)
- The sheer number of features can overwhelm outright beginners
- 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 AnalysisAccording 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.
Investing in crypto assets carries a high level of risk, up to and including total loss of capital. This is not investment advice. Figures as of September 2026, without guarantee – check current conditions on bybit.eu.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Card | ✓ |
| ✓ | Futures trading | ✓ |
| ✓ | Copy trading | ✓ |
| ✓ | Tax export | ✓ |
| ✓ | Demo mode | ✓ |
| ✓ | Education area | ✓ |
- EU-regulated (MiCA, FMA Austria)
- Spot fees from 0.10% maker
- Cold-wallet custody and proof of reserves
- 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
Spot trading (VIP 0, crypto pairs): 0.10% maker / 0.25% taker; from 5 October 2026 a flat 0.25%. Bybit EU does not offer futures or other derivatives to EEA retail clients. Deposit and withdrawal costs depend on the method used; crypto transfers incur the usual network fees.
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
Not enough reviews available.
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
Not enough reviews available.
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
Not enough reviews available.
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
Not enough reviews available.
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
| Bybit EU GmbH | Company | XTB S.A. |
| 2018 | Founded | 2002 |
| MiCAR license via FMA | Regulation | Regulated by the KNF (Poland), CySEC (Cyprus), FCA (UK) and others; locally supervised through its EU branches |
| 1 EUR per order, card deposit from 10 USD | Minimum Amount | 0 € (no minimum deposit) |
| — | KYC | Photo ID, fully digital verification |
Verdict
In our overall rating XTB leads with 4.5 against 4.1 for ByBit EU.
For most investors XTB is therefore the better choice.
Bybit EU pairs the strengths of the wider Bybit exchange – low fees, fast execution and a well-built interface – with a genuine EU licence (MiCA, granted by Austria's FMA). For European investors who want a regulated venue without giving up depth of markets, it is one of the more compelling options in 2026. Anyone expecting the very high leverage available on Bybit's global platform should note that those products are not available to EEA retail clients.
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.