In this head to head comparison of XTB vs eToro, we will compare the trading platforms, mobile apps, range of investments, costs, market research, and more. Let’s dive in.
Regulation
Comparing online brokers XTB and eToro: XTB was founded in 2002; eToro in 2007. Both are publicly traded and are not banks. On regulation, XTB holds two Tier-1 licenses and two Tier-2 licenses, while eToro holds four Tier-1 licenses and one Tier-2 license.
ForexBrokers.com rates XTB at 96/99 and eToro at 97/99 on its Trust Score. On that scale, 90-99 is highly trusted, 80-89 trusted, 70-79 average risk, 60-69 high risk, and below 59 not trusted. That means both brokers are in the highly trusted group, with eToro edging XTB by a point and carrying more Tier-1 oversight, while XTB matches with more Tier-2 coverage.
| Feature | ||
|---|---|---|
| Year Founded info | 2002 | 2007 |
| Publicly Traded (Listed) info | Yes | Yes |
| Bank info | No | No |
| Tier-1 Licenses info | 2 | 4 |
| Tier-2 Licenses info | 2 | 1 |
| Tier-3 Licenses info | 1 | 0 |
| Tier-4 Licenses info | 2 | 1 |
Fees
For commissions and fees, XTB and eToro both advertise typical EUR/USD spreads around 1 pip, but their pricing appeal differs. XTB earns 4.5 stars and ranks #13 out of 63 brokers for Commissions and Fees at ForexBrokers.com, reflecting costs that are in line with the industry average. eToro earns 4 stars and ranks #22 out of 63; its typical 1‑pip EUR/USD spread is slightly higher than average, and many traders choose it more for platform features than for ultra‑low spreads.
XTB’s Q4 2023 average spread on EUR/USD was 1 pip. It offers a spread‑only Standard account and a commission‑based Professional account, though the Pro option is being phased out and is largely unavailable except to certain legacy clients and elective professionals in the EU and U.K. Minimum deposits start at 250 in your base currency. For smaller trade sizes the Standard account tends to be cheaper, while pricing becomes similar at higher volumes. Active traders can qualify for the Lower Spread Group, which rebates 5% to 30% of the spread once monthly volume thresholds are met (from 20 up to 1,000 lots).
eToro is a market‑maker that lists a typical variable 1‑pip spread on EUR/USD, which is slightly above the average. Instead of spread discounts, eToro leans on its VIP Club (Silver through Diamond) for accounts holding $5,000 to $250,000, offering benefits such as discounted withdrawal and deposit fees, access to Trading Central, and a dedicated account manager. These perks can help trim some non‑trading costs, but for pure spread competitiveness XTB generally comes out ahead in this matchup.
Dive deeper: Best Low Spread Forex Brokers.
Range of investments
XTB vs eToro: both brokers cover a wide range of markets and support forex trading via CFDs or spot contracts (availability can depend on your location). XTB lists about 10,900 tradeable symbols and 71 forex pairs, while eToro offers about 7,441 symbols and 55 pairs. Each broker lets you buy exchange‑traded stocks on U.S. and international exchanges (think Apple and Vodafone). For crypto, both provide cryptocurrency CFDs; however, only eToro lets you buy actual coins in addition to CFDs, whereas XTB limits crypto exposure to CFDs.
Feature-wise, eToro includes copy trading, which XTB does not. Despite their differences, both earned 5 out of 5 stars for Range of Investments. In ForexBrokers.com’s rankings of 63 brokers, eToro placed #11 and XTB placed #14. In short: choose XTB if you want a larger overall list of symbols and more forex pairs, or pick eToro if you value copy trading and the ability to purchase real crypto alongside CFDs.