Revolutvs
XTBStock Broker Comparison
Revolut and XTB clash between convenience and deep trading tools, testing costs, platform features, and global reach.
Who should choose Revolut vs XTB?
Find out which stock broker best suits your investing profile.
Choose if…
Choose Revolut if you want an all-in-one fintech app with fractional stock investing and UK FSCS protection.
Choose if…
Choose XTB if you want real share ownership on 5,800+ stocks with zero commissions up to €100K per month and advanced trading tools.
Verdict by Trader Profile
Which broker wins for each type of stock trader, based on costs, safety, features, and editorial scoring.
Best for low cost trading
Revolut vs XTB: Side-by-Side Stock Broker Comparison
 |  | |
|---|---|---|
| Editorial score | 3.8/ 5 | 4.1/ 5 |
| Min deposit | N/A | N/A |
| Spreads from | N/A | N/A |
| Commission / lot | N/A | N/A |
| Inactivity fee | None | $10/month (after 12 months) |
| Deposit fee | Free |
Revolut vs XTB Stock Broker Pros & Cons
Pros
- Banking, payments, and fractional stock investing in a single app
- 2,000+ US and EU stocks with fractional shares from $1
- Real share ownership (not CFDs) with dividend payments
- FCA regulated (UK) with FSCS protection up to GBP 85,000
- Unlimited commission-free trades on Premium/Metal/Ultra plans
Cons
Revolut vs XTB: Detailed Category Breakdown
A closer look at the specific criteria each broker meets or misses within each scoring category.
0
Revolut
criteria wins
5
XTB
criteria wins
Highlighted rows show where the two brokers differ
| Criteria | Revolut | 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) | Pass | Pass |
| Costs | ||
| Commission-free trading | Pass | Pass |
| No deposit fee | Pass | Pass |
| Features | ||
| Fractional shares | Pass | Pass |
| Dividend reinvestment (DRIP) | Fail | Fail |
| Extended hours trading | Fail | Fail |
| IPO access | Fail | Fail |
| Short selling | Fail | Fail |
| Stock screener tool | Fail | Pass |
| Support | ||
| Mobile app | Pass | Pass |
| Advanced charting tools | Fail | Pass |
| 24/5 live chat | Fail | Pass |
| Phone support | Fail | Pass |
Revolut vs XTB: Frequently Asked Questions
The scores are close: Revolut rates 3.8/5 and XTB rates 4.1/5. XTB has a marginal edge in our scoring, but the difference is small enough that your specific priorities — fees, platforms, or regulatory jurisdiction — should guide the final choice.
Both Revolut and XTB hold licences from top-tier regulators, indicating a high standard of regulatory oversight. Check each broker's specific regulatory bodies to confirm coverage in your jurisdiction.
For beginners, XTB provides negative balance protection, capping losses at your deposit amount. Also compare demo account availability and educational resources on each broker's site before deciding.
XTB lists maximum leverage of 1:5. Available leverage depends on your jurisdiction. EU retail clients under ESMA rules are capped at 1:30 on major forex pairs.
Revolut supports Proprietary Web/Mobile, while XTB supports xStation 5. Revolut has exclusive access to Proprietary Web/Mobile. XTB has exclusive access to xStation 5.
Yes, you can open an account with XTB independently of your Revolut account. There is no formal transfer process for open positions; you would need to close existing trades with Revolut before funding and trading with XTB.
Yes, both Revolut and XTB offer commission-free stock trading according to our data. Keep in mind that commission-free brokers may still charge spread costs, foreign exchange fees, or platform fees — always check the full fee schedule on each broker's website.
Yes, both Revolut and XTB offer fractional share investing. This makes it easier to invest in high-priced stocks with smaller amounts of capital, which is particularly useful for long-term portfolio building. Check each broker for the specific stocks eligible for fractional purchases.
Both Revolut and XTB are covered by a compensation scheme according to our data, providing an additional safety net for your stock investments. Confirm the specific scheme and coverage limit that applies to your account before depositing.
