eToro vs XTB

Ever wondered who would come out on top in a battle between eToro vs XTB? Well, read on to find out how they compare for features, fees and much more.

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Overall winner Our verdict
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 51%-76% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

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.

eToro vs XTB: At a glance

eToro Free StocksXTB
Finder score★★★★★★★★★★
Customer satisfaction survey★★★★★★★★★★
Fees score★★★★★★★★★★
Stocks and shares ISA available?
FSCS protected?
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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.

Round 1: Products

eToro Free StocksXTB
General investment account
Stocks and shares ISA
Lifetime ISA (LISA)
Pension (SIPP)
Junior ISA (JISA)/Junior SIPP (JSIPP)
Interest on cash balances
Keep in mindCapital at risk. 51% of retail CFD accounts lose moneyCapital at risk. 76% of retail CFD accounts lose money
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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

Round 2: Investment choice

eToro Free StocksXTB
Investment choice score★★★★★★★★★★
Available markets 193+
Number of investments6,000+3,000+
Number of ETFs/funds300449
Fractional shares
Min. initial deposit$100£0
Min. investment$10£10
Keep in mindCapital at risk. 51% of retail CFD accounts lose moneyCapital at risk. 76% of retail CFD accounts lose money
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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

Round 3: Fees

eToro Free StocksXTB
Fees score★★★★★★★★★★
Platform fees£0£0
US shares£0£0
UK shares£0£0
International shares£0£0
Funds/ETFs£0£0
Foreign exchange fee0.75%0.5%
Regular investingNoYes (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 mindCapital at risk. 51% of retail CFD accounts lose moneyCapital at risk. 76% of retail CFD accounts lose money
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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

Round 4: Ease of use

eToro Free StocksXTB
Ease of use score★★★★★★★★★★
Apple iOS rating3.8/54.7/5
Google Play rating 3.7/54.5/5
Ways to contact customer serviceLive chat, email and community forumPhone, email and in-app chat
UI/UXGoodGood
Desktop or web access
Mobile app
Keep in mindCapital at risk. 51% of retail CFD accounts lose moneyCapital at risk. 76% of retail CFD accounts lose money
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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

Round 5: Tools, resources and features

eToro Free StocksXTB
Tools, resources and features★★★★★★★★★★
Analysis features
Tools for investing/trading
Social features
Learning resources
Additional features
Keep in mindCapital at risk. 51% of retail CFD accounts lose moneyCapital at risk. 76% of retail CFD accounts lose money
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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

Overall winner: Is eToro better than XTB?

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.


George Sweeney, DipFA's headshot
Deputy editor

George is a deputy editor at Finder. He has previously written for The Motley Fool UK, Nasdaq, Freetrade, Investing in the Web, MoneyMagpie, Online Mortgage Advisor, Wealth, and Compare Forex Brokers. He's focused on making personal finance and investing engaging for everyone. To do this he draws from previous work and his Level 4 Diploma for Financial Advisers (DipFA), sharing what he’s learnt. When he’s not geeking out about money, you’ll find him playing sports and staying active. See full bio

George's expertise
George has written 190 Finder guides across topics including:
  • Investing
  • Personal finance
  • Tax
  • Pensions
  • Mortgages

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