| 0.99 % | Fees | 0% commission; costs over the spread |
| € 10.89 | Cost for €1,000 | Not comparable (spread-based) |
| 13 | Cryptos | 25–50 crypto CFDs |
| SEPA Direct Debit, SEPA Transfer | Payment Methods | SEPA/Bank transfer, credit/debit card, e-wallets (Skrill, Neteller – with fee) |
| BaFin license as a securities institution | Regulation | Regulated by KNF (Poland), CySEC (Cyprus), FCA (UK), among others |
According to reviews, Scalable Capital presents a mixed user picture: some users appreciate the clear and intuitive app as well as everyday use that is perceived as reliable. At the same time, users report login and 2FA issues, as well as occasional delays with withdrawals and support.
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 195 AI-evaluated user reviews from Google Play Store, Trustpilot. The total number of reviews on the respective platforms may be higher — the platform ratings shown (star ratings) refer to all reviews available there. The ratings 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.
| ✓ | Savings plan | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin regulation | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA direct debit | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Card | ✓ |
| ✓ | Futures trading | ✓ |
| ✓ | Copy trading | ✓ |
| ✓ | Tax export | ✓ |
| ✓ | Demo mode | ✓ |
| ✓ | Education area | ✓ |
| Scalable Capital GmbH | Company | XTB S.A. |
| 2014 | Founded | 2002 |
| BaFin license as a securities institution | Regulation | Regulated by KNF (Poland), CySEC (Cyprus), FCA (UK), among others |
| € 1 | Minimum Amount | 0 € (recommended approximately 250 € for the first deposit) |
| eID, Video-ID, PostIdent | KYC | Photo ID, fully digital verification |