DEGIRO vs XTB Stock Broker Comparison
A head-to-head comparison of DEGIRO and XTB across regulation, commissions, platforms, and editorial scoring.
DEGIRO offers some of Europe's lowest stock commissions with access to 50+ exchanges. It lacks an ISA or SIPP wrapper, making it less suitable for UK tax-efficient investing, but excellent for low-cost international exposure.
DEGIRO and XTB are extremely closely matched with scores of 4.3/5 and 4.3/5. The right choice depends on your individual trading priorities.
Verdict by Trader Profile
Which broker wins for each type of stock trader, based on costs, safety, features, and editorial scoring.
XTB offers commission-free trading while DEGIRO does not, making XTB the more cost-effective choice for frequent stock traders.
XTB has a stronger safety profile: top-tier regulation, compensation scheme, segregated funds, negative balance protection.
Both brokers offer equivalent long-term investing features including fractional shares and dividend reinvestment.
XTB has the edge for active traders: commission-free trading, more platform options, advanced charting.
Both brokers share the same editorial score of 4.3/5, but XTB has a known minimum deposit of $0 while no deposit data is available for DEGIRO.
DEGIRO vs XTB: Side-by-Side Stock Broker Comparison
| Editorial score | 4.3/ 5 | 4.3/ 5 |
|---|---|---|
| Min deposit | N/A | No minimum |
| Commission-free | No | Yes |
| Fractional shares | No | Yes |
| Dividend reinvestment | Yes | No |
| Extended hours | No | No |
| IPO access | No | No |
| Short selling | Yes | Yes |
| Regulators | AFM BaFin | FCA CySEC KNF |
| Platforms | DEGIRO Platform | MetaTrader 4 xStation 5 |
| Active bonuses | 2 offers | None |
| Visit broker | Visit DEGIRO | Visit XTB |
DEGIRO vs XTB Stock Broker Pros & Cons
- Among Europe's lowest stock commissions
- Access to 50+ exchanges worldwide
- Transparent, flat-fee pricing structure
- Regulated by BaFin, AFM, and under MiFID II
- No minimum deposit requirement
- No Stocks & Shares ISA or SIPP available
- No fractional shares
- Limited customer support options
- Platform and app less polished than newer competitors
- 5,800+ real stocks and ETFs at zero commission up to EUR 100K/month
- Real share ownership with dividend entitlement - not just CFD exposure
- KNF, FCA, and CySEC regulated; WSE-listed with annual audited accounts
- xStation 5 includes stock screener, earnings calendar, and professional charting
- 0.2% commission (min EUR 10) applies above EUR 100,000 monthly volume
- No ISA or SIPP tax wrapper on the trading account
- No MetaTrader - xStation 5 is the only platform option
- Inactivity fee applies after 12 months without trading activity
DEGIRO vs XTB: Detailed Category Breakdown
A closer look at the specific criteria each broker meets or misses within each scoring category.
| Criteria | DEGIRO | XTB |
|---|---|---|
| Trust & Regulation | ||
| Top-tier regulator (FCA, ASIC, SEC, etc.) | Pass | Pass |
| Segregated client funds | Pass | Pass |
| Negative balance protection | Fail | Pass |
| Compensation scheme (e.g. FSCS, SIPC) | Fail | Pass |
| Costs | ||
| Commission-free trading | Fail | Pass |
| Features | ||
| Fractional shares | Fail | Pass |
| Dividend reinvestment (DRIP) | Pass | Fail |
| Extended hours trading | Fail | Fail |
| IPO access | Fail | Fail |
| Short selling | Pass | Pass |
| Stock screener tool | Pass | Pass |
| Support | ||
| Mobile app | Pass | Pass |
| Advanced charting tools | Fail | Pass |
| 24/5 live chat | Fail | Pass |
| Phone support | Fail | Fail |
DEGIRO vs XTB: Frequently Asked Questions
DEGIRO and XTB share the same editorial score of 4.3/5. The right choice depends on your priorities: commissions, fractional shares, account features, or regulatory safety.
XTB offers commission-free stock trading while DEGIRO does not according to our data. Commission-free trading can significantly reduce costs for frequent traders. Always confirm the current fee structure directly on each broker's website.
XTB scores higher on our regulatory safety criteria, with top-tier regulatory oversight, segregated client funds, compensation scheme coverage. For stock investors, regulatory safety is critical — always confirm a broker's specific licences and investor protections before depositing funds.
XTB requires a minimum deposit of no minimum. Minimum deposit information is not currently available for the other broker.
DEGIRO supports DEGIRO Platform and XTB offers MetaTrader 4, xStation 5. Platform availability affects the tools, charting, and order types available to you. If you rely on a specific platform like MetaTrader or a proprietary web app, confirm compatibility before opening an account.
For beginners: XTB offers negative balance protection. Also compare educational resources, customer support quality, and the simplicity of each broker's platform before deciding.
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