XTB
XTB is one of the cleanest options for mainstream investors who want a credible interface, real asset access, and an easier first step into active investing.
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Detailed comparison
XTB vs Revolut
Which is better, XTB or Revolut? Side-by-side 2026 fees, FCA/EU regulation, inactivity costs and platform fit.
| Decision factor | XTB | Revolut |
|---|---|---|
| Score profile | ||
| BrokerSearcher radar | Overall 4.3 / Beginners 4.2 / Diversity 3.9 / Costs 4.2 | Overall 4.2 / Beginners 3.8 / Diversity 3.8 / Costs 4.8 |
| Overall score | 4.3/5 | 4.2/5 |
| Best fit | Investors who want a balanced mix of ease of use, real asset access, and platform quality. | Existing Revolut banking customers, Small casual investors, Investors wanting one finance super app, Fractional share beginners who want a regulated platform with real stocks, real etfs, bonds access. |
| General information | ||
| Home base |  | |
| Founded | 2002 | 2015 |
| Minimum deposit | €0 | €0 |
| Platforms | xStation 5 and xStation Mobile | Revolut App and Trading Terminal (desktop, Trading Pro/Ultra) |
| Countries available | 12 markets | 1 markets |
| Safety and regulation | ||
| Regulators | KNF, CMVM, CySEC, and FCA | Bank of Lithuania, FCA, and ECB |
| Investor protection | €20,100 | €20,000 |
| Segregated accounts | ||
| Negative balance protection | ||
| Products available | ||
| Real stocks | ||
| Real ETFs | ||
| Fractional shares | ||
| Bonds | ||
| Funds | ||
| Options | ||
| Futures | ||
| CFDs | ||
| Forex | ||
| Crypto route | ||
| Costs | ||
| EU stock orders | Free allowance, then percentage fee | Free allowance, then percentage fee |
| US stock orders | Free allowance, then percentage fee | Free allowance, then percentage fee |
| EU ETF orders | Free allowance, then percentage fee | Free allowance, then percentage fee |
| Currency conversion | Fee depends on market and order type | Fee depends on market and order type |
| Custody | No ticket fee listed | No ticket fee listed |
| Inactivity | €10 per month | No monthly inactivity fee listed |
Quick verdict
XTB currently leads this matchup on overall score (4.3/5), while Revolut is the cost pick and XTB the beginner pick. Scores blend trust, product range, costs and platform quality — your own priority decides the winner.
Revolut
Revolut lets Ireland's millions of existing app users buy US and EU stocks and ETFs from EUR 1 with fractional shares, inside the same app they use for banking - and Irish customers hold local IE IBAN accounts through Revolut's Irish branch.
Comparison FAQ
Which broker scores highest overall in this comparison?
XTB has the highest overall BrokerSearcher score here at 4.3/5. That score blends trust, product range, cost signals, and beginner friction from the dataset.
Which broker looks best for beginners?
XTB leads the beginner score at 4.2/5. This favors lower starting friction, listed-market access, simple product paths, and account-cost clarity.
Which broker has the broadest product range?
XTB has the strongest diversity score in this comparison at 3.9/5. Product range includes available instruments, platform breadth, and market coverage.
Which broker looks strongest on costs?
Revolut leads the cost score at 4.8/5. Cost scores read across order fees, custody, inactivity, funding, and minimum-deposit friction where the dataset provides enough detail.
Go deeper before deciding
- Broker Fees Explained — every cost layer behind the numbers above.
- What Happens If Your Broker Goes Bankrupt? — segregation and compensation limits for both entities.
- How to Choose an Online Broker — the five-gate due-diligence framework.
This comparison is an editorial tool, not personal financial advice. Some provider links may earn BrokerSearcher a commission; that relationship is not a comparison input. Fees, product access, protections, account entities, and tax reporting can change. Verify live terms on each broker's official site before investing.