| 0 % | Fees | 0% commission; costs over the spread |
| € 9.00 | Cost for €1,000 | Not comparable (spread-based) |
| 50+ | 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) |
| BaFin license as a securities institution | Regulation | Regulated by KNF (Poland), CySEC (Cyprus), FCA (UK), among others |
According to the evaluated user data, Trade Republic is especially appreciated for its intuitive and clear app. At the same time, users report room for improvement in support, while fees and individual aspects of the app are perceived in mixed ways according to reviews.
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 929 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 shown (star ratings) refer to all reviews available there. The ratings displayed reflect users’ experiences and do not represent the website operator’s own assessment. All information is provided without guarantee. As of: March 2026. This comparison does not constitute investment advice.
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin regulation | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA instant transfer | ✓ |
| ✓ | Card | ✓ |
| ✓ | Futures trading | ✓ |
| ✓ | Copy trading | ✓ |
| ✓ | Tax export | ✓ |
| ✓ | Demo mode | ✓ |
| ✓ | Education area | ✓ |
| Trade Republic Bank GmbH | Company | XTB S.A. |
| 2015 | 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) |
| Video-ID | KYC | Photo ID, fully digital verification |