United States
United Kingdom
Germany
Netherlands
Australia
United Arab Emirates
Canada
Italy
Spain
Austria
Croatia
Serbia
Portugal
CyprusXTB vs Trading 212
What each one charges, who licenses it, and how they rank against each other country by country.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
The short version
We rank both for CFDs in 5 countries, and XTB comes out ahead in every one of them.
We score each country separately, based on the company that would actually hold your account there, so check your own country in the table below.
They charge the same on both fees we could compare.
Both hold top-tier (tier-1) licences: XTB from FCA, Trading 212 from ASIC.
- Both charge the same for US stock orders: $0 per order.
- Neither charges a withdrawal fee.
- We list XTB in 7 of the 14 countries we cover and Trading 212 in 9. They overlap in 5.Edge: Trading 212
- Only XTB offers forex.
- XTB gets more search attention than Trading 212 (Market Signal 63 vs 56). That tells you how well known it is, not how good it is.
Where you can use each one
Where each one ranks on our list in every country we cover, its Coinish Score there, and the company that would hold your account. If a broker isn't allowed to take clients from a country, it isn't on that country's list.
CFD brokers
| Country | XTB | Trading 212 |
|---|---|---|
| Cyprus | #5 of 3068/100Locally licensed XTB Ltd · CySEC | #7 of 3066/100Locally licensed Trading 212 Markets Ltd · CySEC |
| Germany | #7 of 3168/100EU passport XTB S.A. · KNF | #9 of 3166/100EU passport Trading 212 Markets Ltd · CySEC |
| Italy | #7 of 3368/100EU passport XTB S.A. · KNF | #9 of 3366/100EU passport Trading 212 Markets Ltd · CySEC |
| Portugal | #6 of 3168/100EU passport XTB S.A. · KNF | #8 of 3166/100EU passport Trading 212 Markets Ltd · CySEC |
| Spain | #7 of 3168/100EU passport XTB S.A. · KNF | #9 of 3166/100EU passport Trading 212 Markets Ltd · CySEC |
| Australia | Not listed | #9 of 1867/100Locally licensed Trading 212 AU Pty Ltd · ASIC |
| Austria | Not listed | #8 of 3066/100EU passport Trading 212 Markets Ltd · CySEC |
| Croatia | Not listed | #6 of 2866/100EU passport Trading 212 Markets Ltd · CySEC |
| Netherlands | Not listed | #8 of 3066/100EU passport Trading 212 Markets Ltd · CySEC |
| United Arab Emirates | #6 of 1268/100Locally licensed XTB MENA Limited · DFSA | Not listed |
| United Kingdom | #5 of 1871/100Locally licensed XTB Limited · FCA | Not listed |
Stock brokers & investing apps
| Country | XTB | Trading 212 |
|---|---|---|
| Cyprus | #3 of 969/100Locally licensed XTB Ltd · CySEC | #4 of 966/100Locally licensed Trading 212 Markets Ltd · CySEC |
| Germany | #3 of 1269/100EU passport XTB S.A. · KNF | #4 of 1266/100EU passport Trading 212 Markets Ltd · CySEC |
| Italy | #3 of 1169/100EU passport XTB S.A. · KNF | #4 of 1166/100EU passport Trading 212 Markets Ltd · CySEC |
| Portugal | #3 of 969/100EU passport XTB S.A. · KNF | #4 of 966/100EU passport Trading 212 Markets Ltd · CySEC |
| Spain | #3 of 969/100EU passport XTB S.A. · KNF | #4 of 966/100EU passport Trading 212 Markets Ltd · CySEC |
| Australia | Not listed | #6 of 868/100Locally licensed Trading 212 AU Pty Ltd · ASIC |
| Austria | Not listed | #3 of 866/100EU passport Trading 212 Markets Ltd · CySEC |
| Croatia | Not listed | #3 of 866/100EU passport Trading 212 Markets Ltd · CySEC |
| Netherlands | Not listed | #4 of 1066/100EU passport Trading 212 Markets Ltd · CySEC |
| United Arab Emirates | #3 of 669/100Locally licensed XTB MENA Limited · DFSA | Not listed |
| United Kingdom | #5 of 771/100Locally licensed XTB Limited · FCA | Not listed |
Fees and features side by side
| XTB | Trading 212 | |
|---|---|---|
| Products | Forex, CFDs, Stocks & ETFs | Stocks & ETFs, CFDs |
| Owner | XTB S.A. (listed on the Warsaw Stock Exchange) | Not verified yet |
| EUR/USD all-in cost | Not verified yet | Not verified yet |
| US stock commission | $0 per order | $0 per order |
| Currency conversion fee | 0.5% | Not verified yet |
| Inactivity fee | €10 per month after 365 days with no trade and no deposit in the last 90 days | None |
| Withdrawal fee | None | None |
| Minimum deposit | $0 (XTB Limited) | Not verified yet |
| Instruments | 11,900+ | 9,000+ |
| Fractional shares | Not verified yet | Yes |
| Platforms | xStation web, xStation desktop, XTB mobile app | Trading 212 app |
| Deposit methods | Bank transfer, Credit/debit card (Visa, Mastercard) | Bank transfer, Instant bank transfer (Open Banking), Card, Apple Pay, Google Pay, Klarna |
| Withdrawal time (stated) | same or next business day (bank transfer) | Not verified yet |
| Demo account | Yes | Yes |
| Support | live chat, email, phone · 24/5 | email · 24/7 |
Every figure comes from the broker's own pages or its regulator. You'll find the sources in each review (XTB, Trading 212).
Licences
XTB vs Trading 212: common questions
Which is better, XTB or Trading 212?
We rank both for CFDs in 5 countries, and XTB comes out ahead in every one of them. For reference, XTB's best ranking is #3 of 12 stock brokers & investing apps in Germany, and Trading 212's best ranking is #3 of 8 stock brokers & investing apps in Austria.
Is XTB cheaper than Trading 212?
Both charge the same for US stock orders: $0 per order. Neither charges a withdrawal fee.
Is XTB or Trading 212 better regulated?
Both hold top-tier (tier-1) licences: XTB from FCA, Trading 212 from ASIC. Which company you actually sign up with depends on where you live; the country table on this page names it for each one.
Can I use both XTB and Trading 212 where I live?
We list XTB in 7 of the 14 countries we cover and Trading 212 in 9. They overlap in 5. For CFDs, you'll find both on our lists in Cyprus, Germany, Italy, Portugal and Spain.