Trading212€0 commission, tight spreads
- Published fee
- €0 commission, tight spreads
- Minimum deposit
- 1 €
- Spread figure
- EUR/USD from 1.2 pip (CFD), 0% stock commission, FX conversion 0.15%
Broker comparison
Trading212 vs.
XTB
Which broker fits your needs?
Platforms, products and fees side by side.
Checked on 22 October 2026
See comparisonTrading212
XTBVS
Summary
Your goal decides
Trading212 has a higher rating of 4.6/5 compared to XTB (4.4/5). XTB offers 7 instrument types, while Trading212 offers 4. The minimum deposit is lower at XTB with 0 €. Oversight: Trading212: FCA/CySEC; XTB: KNF/FCA/CySEC. Trading212: Options coming soon. XTB: No, but over 6,000 stocks and ETFs commission-free.
Trading212Commission-free stock trading with fractional shares
XTBPublicly traded CFD broker with award-winning xStation platform
At a glance
The key differences
| Criterion | Trading212 | XTB |
|---|---|---|
| Platforms | Trading 212 App, Trading 212 Web | xStation 5, xStation Mobile |
| Product types | Stocks, ETFs, CFDs, Forex | Stocks, ETFs, CFDs, Forex, Commodities, Indices, Crypto |
| Options trading | Options coming soon | No, but over 6,000 stocks and ETFs commission-free |
| Fee model | €0 commission, tight spreads | 0% commission on stock CFDs (up to €100,000/month), spreads from 0.1 pip |
| Minimum deposit | 1 € | 0 € |
| Regulation | FCA/CySEC | KNF/FCA/CySEC |
| More information | Details | Details |
Platforms
Trading212
Trading 212 App, Trading 212 Web
XTB
xStation 5, xStation Mobile
Product types
Trading212
Stocks, ETFs, CFDs, Forex
XTB
Stocks, ETFs, CFDs, Forex, Commodities, Indices, Crypto
Options trading
Trading212
Options coming soon
XTB
No, but over 6,000 stocks and ETFs commission-free
Fee model
Trading212
€0 commission, tight spreads
XTB
0% commission on stock CFDs (up to €100,000/month), spreads from 0.1 pip
Minimum deposit
Trading212
1 €
XTB
0 €
Regulation
Trading212
FCA/CySEC
XTB
KNF/FCA/CySEC
Product access and costs depend on market, account and permissions.
Detailed comparison
Comparing fees
Compare total costs, not just the order fee.
Trading212XTB0% commission on stock CFDs (up to €100,000/month), spreads from 0.1 pip
- Published fee
- 0% commission on stock CFDs (up to €100,000/month), spreads from 0.1 pip
- Minimum deposit
- 0 €
- Inactivity
- €10/month after 12 months of inactivity
The relevant costs depend on market, currency, order size and trading style.
Worked out
What does it actually cost?
Typical months at Trading212 and XTB, priced from their published fee schedules. Spreads, FX and exchange fees come on top depending on the venue.
| Scenario | Trading212 | XTB |
|---|---|---|
| ETF savings plan, ≈ €200 a month | €0Invest/Pies: commission free; €0 × 1 (0.15% FX fee only if ETF not in EUR) | €0Savings plans free; 0% commission up to €100k monthly turnover; €0 × 1 |
| 10 stock buys of ≈ €1,000 a month | €0Invest account: trading commission free; €0 × 10 | €00% up to €100k monthly turnover (then 0.2%, min €10); 10 × €1,000 = €0 |
| Custody and account fee per year | €0Custody fee free; no inactivity fee | €0Account free; 0.02% custody only above €250k avg (removed from 27 Oct 2026) |
Checked on 22 October 2026. Prices can change; the current fee schedule is what counts. Sources: helpcentre.trading212.com · helpcentre.trading212.com · xtb.com · xtb.com
Execution quality
Order type, venue and liquidity affect execution.
Trading212Check the provider’s execution policy and available order types for your account.
Provider informationXTBCheck the provider’s execution policy and available order types for your account.
Provider informationProduct range
Trading212StocksETFsCFDsForex
XTBStocksETFsCFDsForexCommoditiesIndicesCrypto
Categories come from broker profiles. Check specific markets and permissions before deciding.
Trading platforms
Trading212Trading 212 App · Trading 212 Web
Trading212 offers the Trading 212 App and web platform. Both are designed for maximum simplicity: clear price display, one-tap buying, automatic savings plans (Pies), fractional shares, and portfolio analysis. MT4/MT5 are not supported.
Explore platformXTBxStation 5 · xStation Mobile
XTB offers the award-winning xStation 5 and the xStation Mobile app. xStation 5 features a modern interface with real-time charts, over 30 technical indicators, drawing tools, and integrated market analyses. The platform provides a stock scanner, trade calculator, market sentiment display, and performance statistics. The xStation Mobile app mirrors the full range of features on the smartphone. Various order types including stop loss and take profit are supported.
Explore platformTrading212
Trading 212 EU GmbH (Invest & CFD accounts); Trading 212 Markets Ltd, Cyprus (Crypto account)
XTB
XTB S.A. Zweigniederlassung Deutschland (branch of XTB S.A., Warsaw)
Regulation does not protect against market losses. What counts is the entity you sign the contract with.
Your investor profile
Who might it suit?
Trading212For investors who work with fractional shares and want a pure investment account under German BaFin supervision.
- No commissions
- Very low minimum deposit
- User-friendly app
- No BaFin regulation
- Limited research tools
XTBFor investors who want a wide CFD range and learning material alongside shares and ETFs in the same app.
- Award-winning xStation platform
- 0% commission on stocks up to €100,000
- Publicly traded company
- Inactivity fee after 12 months
- No MetaTrader 4/5
Find the broker that fits
Trading212 oder XTB?
Side by side. Decided with knowledge.
See the differences that matter, and the Academy lessons that explain them.
VS
- Fees
- Platform
- Regulation
- Matching lessons
Two brokers. Many options. Your call.
Trading212 and XTB do not earn the same way
The table shows what they cost. These lessons show how they earn, which is what the difference is made of.
Who is on the other side?
Whether your order leaves the building or stops at the desk
Open the lesson →The fill you actually get
Why the price on screen and the price you get are not the same
Open the lesson →Where the price comes from
How several bank quotes become one spread on your screen
Open the lesson →Your questions
Frequently asked questions
How do fees differ between Trading212 and XTB?
Trading212: €0 commission, tight spreads. XTB: 0% commission on stock CFDs (up to €100,000/month), spreads from 0.1 pip. Compare total costs for the specific market, product, currency and order size in the current fee schedule.
Which broker offers more products: Trading212 or XTB?
Trading212 offers Stocks, ETFs, CFDs, Forex. XTB offers Stocks, ETFs, CFDs, Forex, Commodities, Indices, Crypto.
How are Trading212 and XTB regulated?
The broker profiles list FCA/CySEC for Trading212 and KNF/FCA/CySEC for XTB. Your account's contracting entity determines the applicable oversight and protection rules; check its current disclosures.
Is Trading212 or XTB better for beginners?
Trading212 lists a 1 € minimum deposit and offers Trading 212 App, Trading 212 Web. XTB lists 0 € and offers xStation 5, xStation Mobile. Compare usability, available products and costs for your intended use.
Trading212 vs XTB: Which broker is better overall?
The choice between Trading212 (4.6/5, 1892 reviews) and XTB (4.4/5, 2100 reviews) depends on your needs. Trading212: Commission-free stock trading with fractional shares. XTB: Publicly traded CFD broker with award-winning xStation platform.
How do spreads compare between Trading212 and XTB?
Trading212 offers typical spreads of EUR/USD from 1.2 pip (CFD), 0% stock commission, FX conversion 0.15%. XTB offers EUR/USD from 0.5 pip (Standard). Tighter spreads reduce trading costs especially for active trading.
Do Trading212 or XTB charge an inactivity fee?
Trading212: no inactivity fee. XTB: €10/month after 12 months of inactivity.
Your next step
Your next step
Trading212Commission-free stock trading with fractional shares
Open accountRead reviewXTBPublicly traded CFD broker with award-winning xStation platform
Open accountRead reviewKeep learning
Before you pick a broker
The guides worth reading before your first trade, whichever of the two you choose.