XTB and eToro are two of the most popular trading and investing platforms available to UK retail investors. They’re also fairly comparable in terms of what they offer and their target audience. So, it make sense to pit eToro vs XTB against each other in a head-to-head battle.
Both eToro and XTB offer a decent range of investments and features, but both are lacking account options like a stocks and shares ISA or self-invested personal pension (SIPP). So, check out our breakdown of eToro vs XTB and hopefully this will help you pick who’s best, depending on what’s most important to you – whether that’s fees, investment choice, or anything else.
 |  | |
| Finder score | ★★★★★ | ★★★★★ |
| Customer satisfaction survey | ★★★★★ | ★★★★★ |
| Fees score | ★★★★★ | ★★★★★ |
| Stocks and shares ISA available? | ||
| FSCS protected? | ||
| Go to site More Info | Go to site More Info |
eToro and XTB are pretty close when it comes to their Finder score. XTB has a score of 4.4 out of 5, and eToro has a similar 4.3 out of 5.
Neither platform offer a stocks and shares ISA, but both come with full Financial Services Compensation Scheme (FSCS) protection of up to £85,000.
Both providers score pretty well for fees, with XTB scoring 4.4 out 5 and eToro scoring 4.3 out of 5.
XTB and eToro also had similar ratings in the Finder Investing Customer Satisfaction Awards 2024, with XTB doing slightly better.
| | |
| General investment account | ||
| Stocks and shares ISA | ||
| Lifetime ISA (LISA) | ||
| Pension (SIPP) | ||
| Junior ISA (JISA)/Junior SIPP (JSIPP) | ||
| Interest on cash balances | ||
| Keep in mind | Capital at risk. 51% of retail CFD accounts lose money | Capital at risk. 76% of retail CFD accounts lose money |
| Go to site More Info | Go to site More Info |
Unfortunately, neither eToro nor XTB offer much in the way of account options. Both platforms pay interest on cash but there’s no tax-efficient wrappers or anything like that.
Winner: Tie
| | |
| Investment choice score | ★★★★★ | ★★★★★ |
| Available markets | 19 | 3+ |
| Number of investments | 6,000+ | 3,000+ |
| Number of ETFs/funds | 300 | 449 |
| Fractional shares | ||
| Min. initial deposit | $100 | £0 |
| Min. investment | $10 | £10 |
| Keep in mind | Capital at risk. 51% of retail CFD accounts lose money | Capital at risk. 76% of retail CFD accounts lose money |
| Go to site More Info | Go to site More Info |
These platforms are also pretty comparable when it comes to investments, but eToro does have a wider selection overall – covering a great number of global exchanges.
The exchange-traded fund (ETF) options are quite similar, but XTB does have cool features like its investment plans, which let you build a custom passive ETF portfolio.
On the other hand, eToro has some excellent features like CopyTrader, which lets you copy the moves of other traders (for free).
The minimum investment is basically the same with eToro and XTB, however, you need a bigger initial deposit of $100 with eToro.
Winner: eToro
| | |
| Fees score | ★★★★★ | ★★★★★ |
| Platform fees | £0 | £0 |
| US shares | £0 | £0 |
| UK shares | £0 | £0 |
| International shares | £0 | £0 |
| Funds/ETFs | £0 | £0 |
| Foreign exchange fee | 0.75% | 0.5% |
| Regular investing | No | Yes (ETF investment plans) |
| Withdrawal fee | $5 | £5 fee if less than £60, otherwise £0 |
| Deposit fee | £0 | £0 |
| Inactivity fee | $10 per month | €10 |
| Keep in mind | Capital at risk. 51% of retail CFD accounts lose money | Capital at risk. 76% of retail CFD accounts lose money |
| Go to site More Info | Go to site More Info |
XTB and eToro offer great value, with pretty low fees across the board. However, XTB has a lower FX fee compared to eToro.
Unfortunately, both platforms charge a withdrawal fee. Although you can avoid XTB’s by withdrawing more than £50. They both also have a similar policy for inactivity.
Winner: XTB
| | |
| Ease of use score | ★★★★★ | ★★★★★ |
| Apple iOS rating | 3.8/5 | 4.7/5 |
| Google Play rating | 3.7/5 | 4.5/5 |
| Ways to contact customer service | Live chat, email and community forum | Phone, email and in-app chat |
| UI/UX | Good | Good |
| Desktop or web access | ||
| Mobile app | ||
| Keep in mind | Capital at risk. 51% of retail CFD accounts lose money | Capital at risk. 76% of retail CFD accounts lose money |
| Go to site More Info | Go to site More Info |
XTB is more highly reviewed in places like the App Store and Google Play, but both XTB and eToro scored decently in our ease of use assessment.
We’d say eToro is probably better for beginners and XTB would more likely suit intermediate investors that already have experience placing trades.
Winner: XTB
| | |
| Tools, resources and features | ★★★★★ | ★★★★★ |
| Analysis features | ||
| Tools for investing/trading | ||
| Social features | ||
| Learning resources | ||
| Additional features | ||
| Keep in mind | Capital at risk. 51% of retail CFD accounts lose money | Capital at risk. 76% of retail CFD accounts lose money |
| Go to site More Info | Go to site More Info |
Although XTB and eToro have a lot to offer, it’s eToro that ticks every single box in this department.
Along with plenty of free research and analysis tools, there are excellent learning resources like the eToro Academy and unique social features like CopyTrader.
Winner: eToro
It’s hard to separate XTB and eToro. If you want a slightly cheaper platform, XTB might be a good fit.
However, if you want more investments, tools, and a more beginner-friendly interface – eToro is worth checking out.
These are two of the highest-rated trading apps on Finder and both offer free demo accounts so you can give them both a try (with no commitment) and see which one you like best.
Winner: Tie
All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.
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