Comparison of Trading 212 and XTB
| Feature | Trading 212 | XTB |
|---|---|---|
| Broker | ||
| Year Founded | 2006 | 2002 |
| Broker Type | MM | MM |
| Dealing | B-book | B-book |
| Execution | Instant | Instant |
| Regulation | FCA, FSC, CySEC | BFSC, KNF, AMF, ACPR, FCA, CNMV, DFSA, BaFin |
| Platforms | Trading 212 | xStation |
| Spread | ⮕ Average | ⮕ Average |
| Maximum Leverage | 1:30 | 1:500 |
| Minimum Deposit | $10 | $1 |
| Base Currencies | USD, EUR, GBP, CHF, SEK, NOK, CZK, PLN | USD |
| Funding Methods | Bank Wire, Credit Card, Debit Card, PayPal | Bank Wire, Credit Card, Debit Card, Neteller, Skrill, PaySafeCard |
| Inactivity Fee | ✖ | $10 per month after 12 months |
| Interest on Margin | ✖ | ✖ |
| Withdrawal Fee | ✖ | ✖ |
| Investor Protection | UK Financial Services Compensation Scheme (FSCS), Investor Compensation Fund (ICF) | UK Financial Services Compensation Scheme (FSCS) |
| Protection Size | £85 000 / €20 000 | £85 000 |
| Segregated Accounts | ✔ | ✔ |
| Negative Balance Protection | ✔ | ✔ |
| Guaranteed Stop Loss | ✖ | ✖ |
| Copy Trading | ✔ | ✖ |
| VPS | ✖ | ✖ |
| MAM/PAMM | ✖ | ✖ |
| Scalping Allowed | ✖ | ✔ |
| EAs/Robots | ✖ | ✔ |
| Depth of Market (DOM) | ✖ | ✔ |
| Tradable Assets (CFDs) | Currencies, Indices, Stocks, ETFs, Bonds, Metals, Energies, Soft Commodities | Currencies, Indices, Stocks, ETFs, Bonds, Metals, Energies, Soft Commodities, Cryptocurrencies |
| Review | Trading 212 Review | XTB Review |
About Trading 212
Trading 212 is a reputable online broker established in 2004, offering a versatile platform that caters to both CFD and direct share trading. Renowned for its user-friendly interface and intuitive mobile application, Trading 212 provides access to a broad spectrum of financial instruments, including forex, stocks, commodities, ETFs, and cryptocurrencies. Operating as a Market Maker (MM), the broker ensures competitive spreads and seamless trade executions, complemented by features such as a free demo account for practice, zero-commission trading on Invest accounts, and the ability to trade fractional shares. Regulated by esteemed authorities like the Financial Conduct Authority (FCA) in the UK, Trading 212 prioritizes security and transparency. Additionally, it offers a suite of educational resources and real-time news feeds to empower traders with informed decision-making tools. However, its Market Maker model and limited advanced trading functionalities may not fully meet the demands of professional traders seeking direct market access and more sophisticated analytical tools.
Pros
- Intuitive interface and mobile app suitable for all experience levels
- Offers both CFD and direct share (Invest) trading across various asset classes
- No fees on Invest accounts, making it cost-effective for long-term investors
- Ability to trade fractional shares, allowing for greater investment flexibility
- Free practice account available to hone trading skills without financial risk
- Attractive spreads and flexible leverage options enhance trading efficiency
- Licensed by reputable authorities such as the FCA, ensuring a secure trading environment
Cons
- Potential conflicts of interest as the broker acts as the counterparty to trades
- Lacks some of the sophisticated trading tools and analytics preferred by professional traders
- Customer service may not always meet the expectations of all users
- Withdrawal processing can sometimes be slower than desired
- Fewer interactive educational sessions compared to other brokers
About XTB
XTB is a reputable Forex and CFD broker renowned for its user-friendly trading platforms, extensive range of financial instruments, and strong regulatory standing. Established in 2002, XTB has grown to serve clients in numerous countries, offering access to major and minor currency pairs, commodities, indices, and cryptocurrencies. The broker is particularly appreciated for its proprietary xStation platform, which provides advanced charting tools, real-time data, and customizable features tailored to both novice and experienced traders. Additionally, XTB emphasizes education and support, offering a wealth of resources such as webinars, tutorials, and market analysis to help traders make informed decisions. With competitive spreads, transparent pricing, and reliable customer service, XTB stands out as a solid choice for those looking to engage in Forex and CFD trading.
Pros
- Regulated by top-tier financial authorities
- Provides access to Forex, commodities, indices, and cryptocurrencies
- Provides responsive and multilingual support
- Easy-to-navigate platform design
Cons
- Some countries face access limitations
- Certain withdrawal methods may incur additional costs
- xStation offers fewer customization options than some competitors
Trading 212 & XTB Regulation
| Feature | Trading 212 | XTB |
|---|---|---|
Companies | Trading 212 UK Ltd, Trading 212 Ltd, Trading 212 Markets Ltd. | XTB International Limited, XTB S.A., XTB Limited, XTB Sucursal, XTB MENA Limited, XTB S.A. German Branch |
Countries | United Kingdom, Bulgaria, Cyprus | Belize, Poland, United Kingdom, Spain, United Arab Emirates, Germany |
Regulators | FCA, FSC, CySEC | BFSC, KNF, AMF, ACPR, FCA, CNMV, DFSA, BaFin |
Investor Protection | UK Financial Services Compensation Scheme (FSCS), Investor Compensation Fund (ICF) | UK Financial Services Compensation Scheme (FSCS) |
Investor Protection Size | £85 000 / €20 000 | £85 000 |
Publicly Traded | ||
Segregated Accounts | ||
Guaranteed Stop Loss | ||
Negative Balance Protection |
Account Types
| Account | Trading 212 | XTB |
|---|---|---|
Market Maker Account | ||
| Account Name | CFD | Standard |
| Min Deposit | $10 | $1 |
| Lot Size | 0.01 | 0.01 |
| Spread Type | Floating | Floating |
| Execution | Instant | Instant |
| Min Spread | 1.2 | 0.5 |
| Fee | No | No |
| Max Leverage | 1:30 | 1:500 |
| Stop Out | 25% | 30% |
| Margin Call | 45% | 100% |
| Additional Features | ||
| Demo Account | ||
| VIP Account | ||
| Swap-Free Account | ||
| Copy Trading | ||
| VPS | ||
| PAMM/MAM Accounts | ||
Funding and Fees
| Feature | Trading 212 | XTB |
|---|---|---|
Base currencies | USD, EUR, GBP, CHF, SEK, NOK, CZK, PLN | USD |
Deposit and withdrawal methods | Bank Wire, Credit Card, Debit Card, PayPal | Bank Wire, Credit Card, Debit Card, Neteller, Skrill, PaySafeCard |
Inactivity fee | $10 per month after 12 months | |
Interest on margin | ||
Withdrawal fee |
Trading Platforms and Conditions
| Feature | Trading 212 | XTB |
|---|---|---|
Trading Platforms | Trading 212 | xStation |
Execution Speed | 0 ms | 0 ms |
Scalping | ||
Expert Advisors (EAs) | ||
Depth of Market (DOM) | ||
Spread | average | average |
Trading Assets
| Asset | Trading 212 | XTB |
|---|---|---|
Currencies | 31 | 57 |
Indices | 30 | 35 |
Stocks | 3000 | 1997 |
Cryptocurrencies | 0 | 41 |
Bonds | 100 | 3 |
Metals | 8 | 9 |
Energies | 10 | 5 |
Soft Commodities | 23 | 10 |
ETFs | 50 | 177 |
Education and Analytics
| Feature | Trading 212 | XTB |
|---|---|---|
Economic Calendar | ||
Indicators | ||
Robots | ||
Signals | ||
Autochartist | ||
Expert Analytics | ||
News Feed | ||
Education Articles | ||
Webinars | ||
Seminars |
Customer Support
| Contact | Trading 212 | XTB |
|---|---|---|
Email | info@trading212.com | sales_int@xtb.com |
Phone | — | +35725725356 |
Facebook | — | |
YouTube | YouTube | — |
Instagram | — | |
Twitter | — |
Which Broker is Better?
After comparing Trading 212 and XTB, XTB comes out ahead as our overall pick. It ranks higher in our internal scoring and delivers a stronger balance of pricing (spreads/fees), platform experience, and product range. That said, the runner-up may still be a better fit if you prioritize specific needs—like a particular account type, funding method, or niche instruments. This is not financial advice; always choose a broker that matches your goals and local regulatory requirements.
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Andriy Bondarenko
Broker Analyst
Andriy is a seasoned expert in broker reviews with over a decade of experience in finance and trading. Under his leadership, the team produces in-depth and unbiased analyses of leading trading platforms.