OKX vs XTB Comparison

OKX

Winner

4.5of 5

Go to OKX

XTB

4.1of 5

Go to XTB

0.35 %	Fees	0% commission; costs over the spread
€ 1.10	Cost for €1,000	Not comparable (spread-based)
270+	Cryptos	39 crypto CFDs
Deposits: SEPA / SEPA Instant, Open Banking, Credit Card and PayPal Express purchases: PayPal, Google Pay, Apple Pay and Credit Card	Payment Methods	SEPA/Bank transfer, credit/debit card, e-wallets (Skrill, Neteller – with fee)
MiCA license	Regulation	Regulated by KNF (Poland), CySEC (Cyprus), FCA (UK), among others

OKXWinner

XTB

Pros & Cons

OKX

Pros

MiCA license available – EU-regulated via OKX Europe Ltd (Malta)
Trading fees of 0.35 % are considered low
Total costs of just 1.10 € per trade
Proof of reserve is provided
Wide range of payment methods: SEPA, PayPal, credit card, Apple Pay, Google Pay
Recurring savings plan via DCA Bot and staking available

Cons

Selection of 270+ cryptocurrencies is room for improvement compared with some competitors
KYC process with eID and photo ID is occasionally criticized as time-consuming

OKX Reviews

XTB

Pros

Broad multi-asset offering: 39 crypto CFDs 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
German app, German-language customer service and extensive educational resources

Cons

Crypto is offered only as CFDs — 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 CFDs, transferring crypto to a personal wallet isn't possible (expected for this product type, but a limitation if self-custody is your goal)

XTB Reviews

Score Comparison

4.7Usability4.2

4.8Features4.3

4.7Fees4.0

4.4Stability3.9

4.4Support4.1

User Experiences

AI Analysis

4.4

App Store

4.5

4.2

Google Play

4.4

2.3

Trustpilot

—

OKX

According to the analyzed user reviews, OKX is mentioned by many users for its intuitive app, easy usability, and wide range of coins. At the same time, users also report critical experiences with support, as well as occasionally with blocked accounts or blocked withdrawals.

XTB

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 744 user reviews evaluated by AI from the Apple App Store, Trustpilot, 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 reviews shown reflect users' experiences and do not represent the site operator's own assessment. All information without guarantee. As of: March 2026. This comparison does not constitute investment advice.

Features

OKXXTB

✓	Recurring savings plan	✓
✓	Staking	✓
✓	Wallet transfer	✓
✓	Cost transparency	✓
✓	2FA security	✓
✓	Anti-phishing code	✓
✓	Passkey login	✓
✓	Wallet whitelist	✓
✓	Mobile app (iOS/Android)	✓
✓	Web platform	✓
✓	Savings plan	✓
✓	Card	✓
✓	Futures trading	✓
✓	Copy trading	✓
✓	Tax export	✓
✓	Demo mode	✓
✓	Education area	✓

OKXHighlights

One of the first exchanges with a MiCA license in the EU
Total costs of 1.10 € are considered particularly low
Proof of reserve available for transparency
Express purchases via PayPal, Apple Pay, and Google Pay possible
Minimum investment from just 1 €

XTBHighlights

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

Details

OKXXTB

OKX Europe Ltd	Company	XTB S.A.
2017	Founded	2002
MiCA license	Regulation	Regulated by KNF (Poland), CySEC (Cyprus), FCA (UK), among others
~$10 USD	Minimum Amount	0 € (recommended approximately 250 € for the first deposit)
eID, Photo ID	KYC	Photo ID, fully digital verification

OKX Reviews XTB Reviews

OKX vs XTB Comparison

OKX

Winner

4.5of 5

Go to OKX

XTB

4.1of 5

Go to XTB

0.35 %	Fees	0% commission; costs over the spread
€ 1.10	Cost for €1,000	Not comparable (spread-based)
270+	Cryptos	39 crypto CFDs
Deposits: SEPA / SEPA Instant, Open Banking, Credit Card and PayPal Express purchases: PayPal, Google Pay, Apple Pay and Credit Card	Payment Methods	SEPA/Bank transfer, credit/debit card, e-wallets (Skrill, Neteller – with fee)
MiCA license	Regulation	Regulated by KNF (Poland), CySEC (Cyprus), FCA (UK), among others

Pros & Cons

OKX

Pros

MiCA license available – EU-regulated via OKX Europe Ltd (Malta)
Trading fees of 0.35 % are considered low
Total costs of just 1.10 € per trade
Proof of reserve is provided
Wide range of payment methods: SEPA, PayPal, credit card, Apple Pay, Google Pay
Recurring savings plan via DCA Bot and staking available

Cons

Selection of 270+ cryptocurrencies is room for improvement compared with some competitors
KYC process with eID and photo ID is occasionally criticized as time-consuming

OKX Reviews

XTB

Pros

Broad multi-asset offering: 39 crypto CFDs 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
German app, German-language customer service and extensive educational resources

Cons

Crypto is offered only as CFDs — 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 CFDs, transferring crypto to a personal wallet isn't possible (expected for this product type, but a limitation if self-custody is your goal)

XTB Reviews

Features

OKXXTB

✓	Recurring savings plan	✓
✓	Staking	✓
✓	Wallet transfer	✓
✓	Cost transparency	✓
✓	2FA security	✓
✓	Anti-phishing code	✓
✓	Passkey login	✓
✓	Wallet whitelist	✓
✓	Mobile app (iOS/Android)	✓
✓	Web platform	✓
✓	Savings plan	✓
✓	Card	✓
✓	Futures trading	✓
✓	Copy trading	✓
✓	Tax export	✓
✓	Demo mode	✓
✓	Education area	✓

OKXHighlights

One of the first exchanges with a MiCA license in the EU
Total costs of 1.10 € are considered particularly low
Proof of reserve available for transparency
Express purchases via PayPal, Apple Pay, and Google Pay possible
Minimum investment from just 1 €

XTBHighlights

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