| 1.2 % | Fees | 0% commission; costs over the spread |
| € 12.00 | Cost for €1,000 | Not comparable (spread-based) |
| 350+ | Cryptos | 25–50 crypto CFDs |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA/Bank transfer, credit/debit card, e-wallets (Skrill, Neteller – with fee) |
| Withdrawn from Germany due to BaFin investigation for missing license. | Regulation | Regulated by KNF (Poland), CySEC (Cyprus), FCA (UK), among others |
Based on the analyzed user data, crypto.com is especially valued for its intuitive and easy-to-navigate app. At the same time, user reviews more often report room for improvement regarding fees, support, and individual account or login issues, which means the overall picture varies noticeably depending on how it is used.
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 872 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 platform ratings (star ratings) shown refer to all reviews available there. The ratings shown reflect users' experiences and do not represent our own assessment by the site operator. All information without guarantee. Status: March 2026. This comparison does not constitute investment advice.
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | Anti-phishing code | ✓ |
| ✓ | SEPA instant transfer | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Card | ✓ |
| ✓ | Futures trading | ✓ |
| ✓ | Copy trading | ✓ |
| ✓ | Tax export | ✓ |
| ✓ | Demo mode | ✓ |
| ✓ | Education area | ✓ |
| Foris DAX Asia Pte. Ltd | Company | XTB S.A. |
| 2016 | Founded | 2002 |
| Withdrawn from Germany due to BaFin investigation for missing license. | Regulation | Regulated by KNF (Poland), CySEC (Cyprus), FCA (UK), among others |
| € 3 | Minimum Amount | 0 € (recommended approximately 250 € for the first deposit) |
| Photo ID | KYC | Photo ID, fully digital verification |