| Feature | eToro | XTB |
|---|---|---|
| Founded Year | 2007 | 2002 |
| Regulatory Authorities | FCA (UK), CySEC (Cyprus), ASIC (Australia) | FCA (UK), CySEC (Cyprus), KNF (Poland), DFSA (Dubai), FSC (Belize) |
| Minimum Deposit | $10 (varies by region) | $0 |
| Trading Instruments | Stocks, ETFs, Cryptocurrencies, CFDs on Stocks, ETFs, Commodities, Forex, Indices | Stocks, ETFs, CFDs on Stocks, Forex, Indices, Commodities, Cryptocurrencies |
| Trading Platforms | Proprietary Web Trader, eToro Mobile App | xStation 5, xStation Mobile |
| Social Trading | Yes, offers CopyTrader and social feeds | No |
| Demo Account | Yes, unlimited with $100,000 virtual funds | Yes, 30-day duration with $100,000 virtual funds (renewable upon request) |
| Leverage | Up to 1:30 for retail clients, up to 1:400 for professional clients | Up to 1:500 (varies by jurisdiction) |
| Stock Fees | $1 per trade for US, EU, and UK stocks; commission-free ETFs (other fees apply) | Commission-free up to €100,000 monthly volume; 0.20% fee applies above that amount |
| Cryptocurrency Fees | 1% per trade | Not applicable (offers crypto CFDs only) |
| Forex Spreads | From 1.0 pips | From 0.1 pips |
| Withdrawal Fees | $5 per withdrawal | Free for withdrawals over $100; fees apply below that amount |
| Inactivity Fee | $10 per month after 12 months of inactivity | €10 per month after 12 months of inactivity |
| Customer Support | Available via live chat and ticket system during trading hours; slower response times compared to XTB | 24/5 multilingual support via live chat, phone, and email; generally faster response times |
| Educational Resources | Comprehensive online academy with articles and courses; social trading features provide additional learning opportunities | Extensive educational materials, including training videos and articles integrated into the platform |
| Research Tools | Daily market commentary, economic calendar, social sentiment indicators; charts powered by TradingView with over 100 indicators | Advanced charting tools with over 30 technical indicators; customizable news feeds; sentiment heatmaps; trader calculator |
| Mobile Trading | User-friendly mobile app with full platform functionality, including social trading features | xStation Mobile app with built-in market commentary, economic calendar, and one-click trading; lacks price alerts |
| Interest on Cash | Up to 4.8% (USD) | Up to 3.8% (EUR); Up to 5% (USD); Up to 5.2% (GBP) |
| Investor Protection | Up to €20,000 (EU clients); Up to £85,000 (UK clients) | Up to €20,000 (EU clients); Up to £85,000 (UK clients) |
| Private Insurance | Yes, covers losses up to 1 million euros/AUD | No |
| Negative Balance Protection | Yes | Yes |
| Asset Segregation | Yes | Yes |
| Spread Type | Fixed for most instruments | Variable |
| Order Execution | Market Maker | Market Maker and STP/ECN options |
| Fractional Shares | Yes, available for stocks and ETFs | No, trades are executed in full share units |
| Payment Methods | Credit/Debit Card, PayPal, Skrill, Neteller, Bank Transfer | Credit/Debit Card, PayPal, Skrill, Neteller, Bank Transfer |
| Account Base Currencies | USD only | Multiple (USD, EUR, GBP, PLN) |
| Account Types | Retail, Professional, Islamic | Standard, Professional, Islamic |
| API Trading | No | Yes, available via xAPI |
| Trading Alerts | Yes, includes price alerts and CopyTrader notifications | Yes, customizable alerts integrated within xStation |
| Account Verification | Fully digital, requires government-issued ID and proof of address | Fully digital, requires government-issued ID and proof of address |
| Corporate Accounts | No | Yes, available |
| Hedging | Not supported | Supported |
| Scalping | Not allowed | Allowed |
| Deposit Fees | No fees for deposits | No fees for deposits |
| Trading Competitions | Not available | Available periodically for clients |
| Algorithmic Trading | Limited to CopyTrading algorithms | Fully supported through API or integration with third-party tools |
| VIP Account | eToro Club for premium users with tiered benefits based on deposit amounts | Available for high-volume traders; offers personalized services |
| Market Availability | Limited in some regions like the US | Broad availability in Europe, Asia, and the Middle East |
| Account Closure Process | Online via account settings | Requires contacting customer support |
| Server Stability | Reliable but may experience slowdowns during high market volatility | Generally stable with quick order execution |
| Margin Call Level | 50% | 50% |
| Charting Tools Comparison | Includes basic drawing tools, trend lines, and over 100 indicators from TradingView | Offers advanced drawing tools, custom indicators, and multiple chart layouts |
| Account Upgrade Criteria | Based on deposits and trading volume (eToro Club tiers: Silver, Gold, Platinum, etc.) | Volume-based upgrade criteria to Professional account |
| Regulatory Authorities | FCA (UK), CySEC (Cyprus), ASIC (Australia), FinCEN (USA) | FCA (UK), CySEC (Cyprus), KNF (Poland), DFSA (Dubai), FSC (Belize) |
| Account Base Currencies | USD | USD, EUR, GBP, PLN |
| Deposit Methods | Credit/Debit Card, PayPal, Skrill, Neteller, Bank Transfer | Credit/Debit Card, PayPal, Skrill, Neteller, Bank Transfer |
| Withdrawal Fees | $5 per withdrawal | Free for withdrawals over $100; fees apply below that amount |
| Inactivity Fee | $10 per month after 12 months of inactivity | €10 per month after 12 months of inactivity |
| Trading Platforms | Proprietary Web Trader, eToro Mobile App | xStation 5, xStation Mobile |
| Social Trading | Yes, offers CopyTrader and social feeds | No |
| Demo Account | Yes, unlimited with $100,000 virtual funds | Yes, 30-day duration with $100,000 virtual funds (renewable upon request) |
| Leverage | Up to 1:30 for retail clients, up to 1:400 for professional clients | Up to 1:500 (varies by jurisdiction) |
| Stock Fees | $1 per trade for US, EU, and UK stocks; commission-free ETFs (other fees apply) | Commission-free up to €100,000 monthly volume; 0.20% fee applies above that amount |
| Cryptocurrency Fees | 1% per trade | Not applicable (offers crypto CFDs only) |
| Forex Spreads | From 1.0 pips | From 0.1 pips |
| Customer Support | Available via live chat and ticket system during trading hours; slower response times | 24/5 multilingual support via live chat, phone, and email; generally faster response times |
| Educational Resources | Comprehensive online academy with articles and courses; social trading features | Extensive educational materials, including training videos and articles integrated |
| Research Tools | Daily market commentary, economic calendar, social sentiment indicators; charts powered by TradingView with over 100 indicators | Advanced charting tools with over 30 technical indicators; customizable news feeds; sentiment heatmaps; trader calculator |
| Mobile Trading | User-friendly mobile app with full platform functionality, including social trading features | xStation Mobile app with built-in market commentary, economic calendar, and one-click trading; lacks price alerts |
| Interest on Cash | Up to 4.8% (USD) | Up to 3.8% (EUR); Up to 5% (USD); Up to 5.2% (GBP) |
| Investor Protection | Up to €20,000 (EU clients); Up to £85,000 (UK clients) | Up to €20,000 (EU clients); Up to £85,000 (UK clients) |
| Private Insurance | Yes, covers losses up to 1 million euros/AUD | No |
| Negative Balance Protection | Yes | Yes |
| Asset Segregation | Yes | Yes |
| Spread Type | Fixed for most instruments | Variable |
| Order Execution | Market Maker | Market Maker and STP/ECN options |
| Fractional Shares | Yes, available for stocks and ETFs | No, trades are executed in full share units |
| Account Types | Retail, Professional, Islamic | Standard, Professional, Islamic |
| API Trading | No | Yes, available via xAPI |
| Trading Alerts | Yes, includes price alerts and CopyTrader notifications | Yes, customizable alerts integrated within xStation |
| Account Verification | Fully digital, requires government-issued ID and proof of address | Fully digital, requires government-issued ID and proof of address |
| Corporate Accounts | No | Yes, available |
| Hedging | Not supported | Supported |
| Scalping | Not allowed | Allowed |
| Deposit Fees | No fees for deposits | No fees for deposits |
| Trading Competitions | Not available | Available periodically for clients |
| Algorithmic Trading | Limited to CopyTrading algorithms | Fully supported through API or integration with third-party tools |
| VIP Account | eToro Club for premium users with tiered benefits based on deposit amounts | Available for high-volume traders; offers personalized services |
| Market Availability | Limited in some regions like the US | Broad availability in Europe, Asia, and the Middle East |
| Account Closure Process | Online via account settings | Requires contacting customer support |
| Server Stability | Reliable but may experience slowdowns during high market volatility | Generally stable with quick order execution |
| Margin Call Level | 50% | 50% |
| Charting Tools Comparison | Includes basic drawing tools, trend lines, and over 100 indicators from TradingView | Offers advanced drawing tools, custom indicators, and multiple chart layouts |
| Account Upgrade Criteria | Based on deposits and trading volume (eToro Club tiers: Silver, Gold, Platinum, etc.) | Volume-based upgrade criteria to Professional account |
eToro is ideal for social and beginner traders with features like CopyTrading, while XTB caters to advanced traders with competitive spreads, diverse platforms, and tools.