crypto.com vs XTB Comparison
| 1.2 % | Fees | 0% commission on crypto Contracts for Difference; costs apply through spreads and swap fees. |
| € 12.00 | Cost for €1,000 | Not comparable (spread-based) |
| 400+ | Cryptos | 39 crypto Contract for Differences |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA/Bank transfer, credit/debit card, e-wallets (Skrill, Neteller – with fee) |
| Fully MiCA Compliant | 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, including all fees and spreads.
| € 12.00 | Cost for €1,000 | Not comparable (spread-based) |
| 1.2 % | Fees | 0% commission on crypto Contracts for Difference; costs apply through spreads and swap fees. |
| € 44.81 | Wallet transfer | - |
| No | Cost transparency | Variable spreads |
| € 3 | Minimum Amount | 0 € (recommended approximately 250 € for the first deposit) |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA/Bank transfer, credit/debit card, e-wallets (Skrill, Neteller – with fee) |
Pros & Cons
- Over 350 cryptocurrencies available
- Own VISA debit card with cashback program
- Savings plan and staking are offered
- Payment methods: SEPA, SEPA instant transfer, and credit card
- Minimum investment possible from €3
- No BaFin license for the German market
- Withdrawal fees of around €44.81 room for improvement
- Cost transparency is rated as limited
- Trading fees of 1.2% occasionally criticized
- 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 AnalysisBased 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 1674 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.
Features
| ✓ | 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 | ✓ |
- VISA debit card with cashback program
- 350+ cryptocurrencies available
- Savings plan and staking on one platform
- On the market since 2016
- 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
According to reviews, the fees at crypto.com are viewed critically more often than average. Users report high costs and, in some cases, a high spread. Overall, this area is described critically in the user data.
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 particularly appreciate crypto.com's intuitive app and simple operation. According to reviews, the interface is often described as clear and easy to understand, which stands out positively, especially for newcomers. However, frequent updates and the associated changes are occasionally described as room for improvement.
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
Overall, the user data contains only limited recurring statements about features and the offering. Individual users praise options such as Visa cashback and Learn-&-Earn features. In addition, users would like to see more coins, extra portfolio filters, a German language setting, an iPad version, and a tax tool.
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
Regarding stability and reliability, users primarily report login issues, being unable to log in, and in some cases blocked withdrawals. There are also individual comments about constant or mandatory updates in the user data. Overall, this results in a rather critical picture of reliability.
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
When it comes to support, the user reviews paint a predominantly critical picture. Users report comparatively often about poor support or that no support was reachable. Customer service is therefore clearly viewed critically in the analyzed user data.
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
| Foris DAX MT Limited | Company | XTB S.A. |
| 2016 | Founded | 2002 |
| Fully MiCA Compliant | Regulation | Regulated by the KNF (Poland), CySEC (Cyprus), FCA (UK) and others; locally supervised through its EU branches |
| € 3 | Minimum Amount | 0 € (recommended approximately 250 € for the first deposit) |
| Photo ID | KYC | Photo ID, fully digital verification |
Verdict
In our overall rating XTB leads with 4.5 against 4.2 for crypto.com.
For most investors XTB is therefore the better choice.
Crypto.com is especially valued for its own VISA debit card with cashback program, which is considered a unique selling point in the crypto market. With more than 350 tradable cryptocurrencies, savings plans, and staking, the platform, active since 2016, offers a broad range of services. The minimum investment starting at €3 is seen as particularly beginner-friendly.
For the German market, it should be noted that Crypto.com currently does not have a BaFin license for the German market. The trading fees of 1.2% and, in particular, the withdrawal fees of around €44.81 are occasionally criticized. Limited cost transparency and the lack of a web platform — use is only possible via the app — are also room for improvement.
Crypto.com is mainly considered suitable for users who want to actively use the VISA debit card with cashback and are willing to accept the missing BaFin license.
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.