Revolut vs XTB Comparison

Revolut is considered one of the most versatile financial apps in the DACH region and is popular with users who want to manage crypto, banking, card payments, and currency exchange in a single application. With more than 300 tradeable cryptocurrencies, Revolut offers by far the broadest coin selection among the brokers compared here. The crypto business sits with the Cypriot entity Revolut Digital Assets (Europe) Ltd., which has held licence CASP001/25 in the CySEC MiCAR register since 20 October 2025. The entity previously named here, RT Digital Securities Cyprus Ltd., is no longer listed there.

Unlike many German neobrokers, Revolut enables both wallet transfers to external wallets and staking and recurring investments. Biometric verification for withdrawals is viewed positively as an additional security feature. Deposits are possible via SEPA, SEPA Instant Transfer, and credit card, which increases flexibility.

Costs call for caution: Revolut advertises exchange fees “from 0 %”, but the small print on the same page states that the fee depends on the plan and the trading volume, and that exchange-rate and subscription fees apply on top. No standard fee is given, neither on the crypto page nor in the fee schedule. Anyone who wants to know the total cost has to work it out for their own plan and their own order size. Revolut is therefore especially suitable for investors looking for a wide selection of coins with wallet functionality in an all-in-one financial app.

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.