XTB vs eToro 2026 – Which is best? We tested both!

XTB and eToro are two of the best-known brokers in Europe, each with its own strengths. In this side-by-side comparison, we analyse XTB vs eToro on the features that matter most: fees, products, platforms, interest on cash, safety and more, so you can make a better-informed decision.

Below, you’ll find a quick verdict, a comparison table, worked fee examples and the pros and cons of each broker.

XTB vs eToro: quick take

1. XTB is best for commission-free stocks and ETFs (up to €100,000 of monthly turnover) and a more advanced trading platform
2. eToro is best for beginners, social trading and owning real cryptocurrencies

XTB vs eToro in a nutshell

You can also use our broker comparison tool for a side-by-side comparison of eToro and XTB.

1. Overview

About XTB

Founded in 2004 as X-Trade Brokers, XTB is listed on the Warsaw Stock Exchange and serves more than 2.9 million clients. It joined the STOXX Europe 600 index in September 2026 and is regulated by Poland’s Financial Supervision Authority (KNF), the UK’s Financial Conduct Authority (FCA) and the Cyprus Securities and Exchange Commission (CySEC), among others.

XTB offers real stocks and ETFs with 0% commission up to €100,000 of monthly turnover (then 0.2%, minimum €10), fractional shares, ETF Investment Plans and interest on uninvested cash. It also offers CFDs (contracts for difference) on stocks, indices, commodities, forex and crypto.

About eToro

Founded in 2007 and listed on Nasdaq since May 2025, eToro has 4.28 million funded accounts (June 2026) and around 40 million registered users. It gives access to stocks, ETFs, real cryptocurrencies and CFDs on stocks, ETFs, commodities, forex, indices and cryptocurrencies.

eToro’s platform is a social trading hub: investors can discuss markets with each other and automatically copy other investors’ portfolios through CopyTrader, or invest in thematic Smart Portfolios. ETFs are commission-free, while stocks carry a $1 commission per trade on most exchanges.

eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

2. Products and market access

Both brokers cover the major markets (US, Europe and the UK) with thousands of stocks and ETFs. eToro is the better choice for investors who want to own real cryptocurrencies or copy other investors, since XTB only offers crypto through CFDs. XTB, on the other hand, offers options in some countries and ETF Investment Plans to automate your investments. CFDs are complex, leveraged instruments and most retail accounts lose money trading them.

3. Trading platforms

XTB has two platforms: xStation 5 on the web and desktop, and xStation Mobile for iOS and Android. Both are intuitive, with fast order placement, a stock and ETF screener, market sentiment data and advanced charting with multiple timeframes.

eToro offers its web platform and mobile app, built around a social feed. Charting is solid, though less advanced than xStation 5, and the copy trading features are unique. For complete beginners, eToro’s interface is the simplest of the two, and both brokers offer a free demo account ($100,000 in virtual funds at eToro).

4. Interest on uninvested cash

XTB pays a variable rate set by country and reviewed weekly. New clients get a higher rate for the first 90 days on up to €100,000. In Portugal, for example, XTB pays 2.60% on euros for the first 90 days and 1.10% after that (as of 5 October 2026). Interest is calculated daily and paid monthly.

eToro pays interest only on the available USD balance. For residents of the EU and the UK, the rate is 3% on a total balance up to $50,000 and 3.80% above that (as of September 2026). Interest accrues daily, is paid monthly and you need to opt in.

If you hold euros, XTB pays interest on your euro cash, while eToro only pays on dollars. If you keep cash in dollars, eToro’s rate is the more attractive.

5. Account types

XTB focuses on individual accounts, with a Stocks and Shares ISA and a Flexible Cash ISA for UK clients.

eToro offers individual and corporate accounts, plus a professional status for experienced traders, and a Club programme (from Bronze to Diamond) that gives discounts on currency conversion and crypto fees as your balance grows.

6. Account opening

Both brokers have a fully digital account opening process. You will need a valid ID, proof of address and your tax identification number, and you will answer questions about your experience and finances. Accounts are usually approved within a day. eToro requires a minimum first deposit of $50 in most countries, while XTB has no minimum.

7. Pricing

Headline commissions only tell part of the story, so below you’ll find the trading and non-trading fees side by side, followed by worked examples.

Buying and selling €1,000 of a US stock from a euro account

On XTB, the commission is €0 within the €100,000 monthly limit, but converting your euros costs 0.5%, about €5 on the way in and again on the way out. On eToro, you pay $1 on opening and $1 on closing the position, plus a currency conversion fee that depends on your Club level. For small, frequent trades the fixed $1 commission weighs more, while for larger amounts XTB’s percentage conversion fee becomes the bigger cost.

Buying a European ETF

Both brokers charge no commission on ETFs, so a €1,000 purchase of a euro-listed ETF costs €0 on either platform, provided your account currency matches the ETF’s currency.

Trading above €100,000 a month

Once your monthly turnover at XTB passes €100,000, each stock or ETF trade costs 0.2% with a €10 minimum, so a €10,000 order costs €20. On eToro, the same stock order still costs $1 and an ETF order $0, so very active investors pay less in commission at eToro.

See eToro’s fee page for the full list of charges.

8. Safety and regulation

Both brokers are listed, regulated companies that keep client assets segregated from their own and publish audited financial statements.

These schemes protect against the failure of the firm, not against investment losses.

9. Customer support

XTB offers multilingual support by live chat, phone and email, often in the local language of each country it serves, plus a comprehensive help centre and educational resources.

eToro offers support through live chat and a ticket system, with no phone line, and a detailed help centre. In our experience, response times are slower than XTB’s.

10. XTB pros and cons

11. eToro pros and cons

How to invest in the S&P 500 on XTB and eToro

Want to learn how to invest in the S&P 500 on both platforms? Watch our step-by-step videos, where we show you how to place your order in both apps:

XTB vs eToro: our verdict

Choose XTB if you want a more advanced trading platform, commission-free stocks and ETFs up to €100,000 a month, interest on your euro cash and responsive customer service. Watch the 0.5% currency conversion fee if you buy assets in other currencies.

Choose eToro if you are interested in social trading, want to own real cryptocurrencies or prefer the simplest possible interface. Keep in mind the $1 commission on stocks and that interest is only paid on dollar balances.

Ultimately, the best platform depends on your trading style, experience and preference for social trading or advanced tools. Want to know more? Check out our in-depth broker reviews, our comparison table, our comparison between XTB and Interactive Brokers and our BrokerMatch tool.