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Trading 212 vs XTB: Comparison and Analysis

Written by Filippo Ucchino Fact-Checked by Luca Puddu Publication Date Last Updated
Our verdict · CFD/FX trading

XTB has a small advantage over Trading 212 for CFD trading in the UK, thanks to a lower EUR/USD cost (10.60 USD per lot against 13.00 USD) and to scalping, which Trading 212 does not allow. XTB runs TradingView next to its own platform, with an app for smartwatches, opens micro and Islamic accounts, fills orders in 6 ms and credits deposits on the same day against 1 day. Trading 212, on the other hand, lists more tradable symbols (10,000 against 5,200), holds more account base currencies (three against two), settles withdrawals in 2 days against 3 days and asks for a minimum withdrawal of 1.00 USD. XTB and Trading 212 are both regulated in the UK by the FCA. Both brokers cover CFDs on commodities, forex, indices and stocks, provide a demo account, open professional accounts and allow hedging, expert advisors and API access. They are close on the minimum deposit (XTB none, Trading 212 1.00 USD).

Our verdict · Real stock investing

XTB is better than Trading 212 for real stock investing in the UK by a small margin, because it lets you own bonds outright next to the ETFs and stocks both brokers cover, runs TradingView alongside its own platform and opens micro and Islamic accounts. XTB allows scalping, fills orders in 6 ms and credits deposits on the same day against 1 day. Trading 212, on the other hand, lists more tradable symbols (10,000 against 5,200), holds more account base currencies (three against two), settles withdrawals in 2 days against 3 days and asks for a minimum withdrawal of 1.00 USD. XTB and Trading 212 are both regulated in the UK by the FCA. The two brokers charge no fees on US stocks, provide a demo account, open professional accounts and allow hedging, expert advisors and API access. They are close on the minimum deposit (XTB none, Trading 212 1.00 USD).

Scores, winners and data below compare these brokers as CFD/FX brokers (leveraged trading on forex, indices, commodities and crypto), using the data of Trading 212's UK entity and XTB's UK entity. Scores, winners and data below compare these brokers as stock brokers (real shares and ETFs you own outright), using the data of Trading 212's UK entity and XTB's UK entity.

Trading 212

CFDCFD Trading 212 offers CFD trading: leveraged contracts that follow the price of an asset without owning it. Switch the comparison to CFD/FX to rate it on that. FXFX Trading 212 offers forex trading: currency pairs such as EUR/USD, traded with leverage. Forex is rated together with CFDs, on the CFD/FX side. StocksStocks Trading 212 lets you buy real assets that you own outright. Switch the comparison to Stocks to rate it on that. Regulated in your country Trading 212 is allowed by FCA to onboard clients residing in the UK.
Trading 212 review ›
69CFD/FXOverall score Trading 212 scores 69/100 for CFD/FX trading. The overall score is calculated from the data in this comparison across 12 areas. 73StocksOverall score Trading 212 scores 73/100 for stock investing. The overall score is calculated from the data in this comparison across 12 areas.
Open Account

83% of retail investor accounts lose money when trading CFDs with this provider.

Best overall Best overall

XTB

CFDCFD XTB offers CFD trading: leveraged contracts that follow the price of an asset without owning it. Switch the comparison to CFD/FX to rate it on that. FXFX XTB offers forex trading: currency pairs such as EUR/USD, traded with leverage. Forex is rated together with CFDs, on the CFD/FX side. StocksStocks XTB lets you buy real assets that you own outright. Switch the comparison to Stocks to rate it on that. Regulated in your country XTB is allowed by FCA to onboard clients residing in the UK.
XTB review ›
77CFD/FXOverall score XTB scores 77/100 for CFD/FX trading. The overall score is calculated from the data in this comparison across 12 areas. 78StocksOverall score XTB scores 78/100 for stock investing. The overall score is calculated from the data in this comparison across 12 areas.
Open Account

80% of retail investor accounts lose money when trading CFDs with this provider.

Best for

What we compare A comparison of the kinds of traders Trading 212 and XTB are best suited to, based on what each one actually offers in United Kingdom.
1 / 12

XTB is better than Trading 212 for scalpers. Both are a good fit for long-term investors, professional traders and swing traders.

Best for
Overall score Trading 212 69 -8 73 -5 XTB 77 Best 78 Best
Day trading i
Long-term investing i
Professional traders i
High-volume traders i
Scalpers i
Swing traders i
News traders i
Algo traders i
Stock traders i
Crypto traders i
Futures traders i
Options traders i

Regulation

What we compare A comparison between the financial authorities that supervise Trading 212 and the ones that supervise XTB.
2 / 12

Trading 212 and XTB are both regulated in the UK, by the FCA.

Regulation
Section score Trading 212 100 100 XTB 100 100
Tier-1 regulators
ESMA (European Union) i
FCA (United Kingdom) i
ASIC (Australia) i
CFTC (United States) i
NFA (United States) i
SEC (United States) i
CIRO (Canada) i
MAS (Singapore) i
SFC (Hong Kong) i
JFSA (Japan) i
FINMA (Switzerland) i
Tier-2 regulators
FMA (New Zealand) i
CBR (Russia) i
FSCA (South Africa) i
DFSA (Dubai) i
CSRC (China) i
ISA (Israel) i
LFSA (Malaysia) i
JSC (Jordan) i
CMA (Kenya) i
Tier-3 regulators
FSA (Seychelles) i
MMA (Maldives) i
SCB (Bahamas) i
FSC (Mauritius) i
VFSC (Vanuatu) i
FSC (Belize) i
CIMA (Cayman Islands) i
SV FSA (Saint Vincent and the Grenadines) i
FSRC (St. Kitts & Nevis) i
BMA (Bermuda) i
BVI FSC (British Virgin Islands) i
EDR (External Dispute Resolution) i

Safety

What we compare A comparison of the tools and services that Trading 212 and XTB have in place to protect your money in United Kingdom.
3 / 12

Trading 212 and XTB both offer segregated client funds and an investor compensation scheme.

Safety
Section score Trading 212 79 -7 79 -7 XTB 86 Best 86 Best
Company info
Is it publicly traded i
Is it a bank i
Year founded i 2004 2002
Parent company i Trading 212 Ltd XTB S.A.
CEO i Michael Byrne Omar Arnaout
Money safety
Segregated client funds i
Two-factor authentication i
Investor compensation scheme i
Additional money insurance i
Partner bank i J.P. Morgan, Barclays Barclays, JP Morgan Chase
Brand power
Number of customers worldwide i 4,500,000 1,600,000
Annual revenue i USD 299,000,000 USD 260,000,000
Monthly website search traffic i

Costs

What we compare A comparison of what it costs to trade with Trading 212 and with XTB in United Kingdom, both on each trade and on holding the account.
4 / 12

XTB is better than Trading 212 for CFD/FX costs, since XTB is cheaper on EUR/USD, at 10.6 USD per lot (against Trading 212's 13 USD), and does not charge deposit fees, unlike Trading 212. Neither Trading 212 nor XTB charges account maintenance fees or withdrawal fees.

Trading 212 is better than XTB for real stock costs, because Trading 212 does not charge inactivity fees, unlike XTB. Neither Trading 212 nor XTB charges account maintenance fees or withdrawal fees.

Costs
Section score Trading 212 36 -17 82 Best XTB 53 Best 76 -6
Broker fees
Deposit fees i
Withdrawal fees i
Overnight fees i
Inactivity fees i
Currency conversion fees i
Discounts on volume i
Real time market data fee i
Dividend withholding i
Account opening fees i
Account maintenance fee i
Portfolio management fee i
Fees on CFDs
Forex commission per lot i Free Free
EUR/USD average standard spread i
1.3 pips
1.06 pips
EUR/USD average raw spread i
EUR/USD average fixed spread i
EUR/USD total cost per lot i USD 13 USD 10.6
S&P 500 fees (CFD) i 0.42 points 0.59 points
Gold fees (CFD) i 0.89 points 0.89 points
Bitcoin fees (CFD) i
US stocks fees (CFD) i Free Free
Fees on stocks
Stock fee type i Spread, Free Free, Percentage
US stocks fees (real) i Free Free
ETF fees (real) i Free Free
Management costs i
Connection costs i
Fees on futures
Futures fees per contract i
Platform fees i
Fees on options
Options fees per contract i Free
Event fees i
Fees on savings plans
IRA opening fee i
IRA maintenance fee i
401k opening fee i
401k maintenance fee i

Available markets

What we compare A comparison of the markets and products you can trade with Trading 212 and with XTB in United Kingdom, and of how many instruments each one gives access to.
5 / 12

Trading 212 and XTB are equally good for CFD/FX markets, since Trading 212 gives access to 10,000 tradable symbols (against XTB's 5,200). On the other hand, XTB lets you own bonds outright. Both Trading 212 and XTB offer CFDs on commodities, forex, indices and stocks, and let you own ETFs and stocks outright.

XTB is better than Trading 212 for real stock markets, because XTB lets you own bonds outright, which Trading 212 does not. Both Trading 212 and XTB let you own ETFs and stocks outright, and offer CFDs on commodities, forex, indices and stocks.

Available markets
Section score Trading 212 65 30 -15 XTB 65 45 Best
Total tradable symbols i 10,000 5,200
Currency pairs i
Indices i
Commodities i
Stocks i
ETF i
Cryptocurrencies i
Bonds i
Interest rates i
Portfolios i
CFDs i Commodities, Forex, Indices, Stocks Commodities, Forex, Indices, Stocks
Futures i
Options i
Assets you can own i ETF, Stocks Bonds, ETF, Stocks

Platform

What we compare A comparison of the trading platforms that Trading 212 and XTB make available to their clients in United Kingdom.
6 / 12

XTB is better than Trading 212 for platforms, since XTB offers TradingView and Mirror Trader, which Trading 212 does not. Trading 212 and XTB both offer a proprietary platform and one-click trading.

Platform
Section score Trading 212 81 -5 81 -5 XTB 86 Best 86 Best
Proprietary platform i
MetaTrader 4 i
MetaTrader 5 i
cTrader i
Social trading platform i
Copy trading platform i
ZuluTrade i
TradingView i
Duplitrade i
Mirror Trader i
NinjaTrader i
AutoChartist i
Real time pricing i
5 digit pricing i
One-click trading i

Mobile

What we compare A comparison of the mobile apps of Trading 212 and XTB in United Kingdom, and of what each one lets you do from your phone.
7 / 12

Trading 212 is better than XTB for mobile trading, as Trading 212 offers mobile trading signals, which XTB does not. Trading 212 and XTB both offer a proprietary mobile app and mobile price alerts.

Mobile
Section score Trading 212 74 Best 74 Best XTB 67 -7 67 -7
Proprietary app i
Social trading app i
Copy trading app i
MetaTrader 4 app i
MetaTrader 5 app i
cTrader app i
Mobile trading signals i
Mobile alerts i
Mobile charting tools i
Mobile drawing tools i
Mobile watchlist i
Smartwatch app i

Trading features

What we compare A comparison of the trading tools and strategies that Trading 212 and XTB allow on their platforms in United Kingdom.
8 / 12

There is little between Trading 212 and XTB on CFD/FX trading features, as both offer negative balance protection and trailing stops. XTB goes a step further, as it allows for scalping.

Trading 212 is better than XTB for real stock trading features, given that Trading 212 offers fractional shares, which XTB does not. Trading 212 and XTB both offer trailing stops and API access.

Trading features
Section score Trading 212 76 89 Best XTB 75 -1 74 -15
Trade execution
Broker type i Agency NDD
Average execution time i 6 ms
Slippage occurrence i 28.05%
Requotes occurrence i
Tier-1 liquidity providers i
PFOF i
Leverage
Major FX pairs leverage i 30:1 30:1
Minor/Exotic FX pairs leverage i 20:1 20:1
Major indices leverage i 20:1 20:1
Minor indices leverage i 10:1 10:1
Gold leverage i 20:1 20:1
Commodities leverage i 10:1 10:1
Equities leverage i 5:1 5:1
Cryptocurrency leverage i
Risk management
Stop losses i
Take profits i
Limit orders i
Trailing stop i
Margin call i
OCO orders i
Guaranteed stop loss i
Negative balance protection i
Minimum trade size (FX) i 0.01 lots 0.01 lots
Minimum trade size (stocks) i USD 1 USD 0
Fractional stocks i
Trading compliance
Scalping strategies allowed i
Hedging strategies allowed i
Automated trading strategy allowed i
EAs use allowed i
HFT strategy allowed i
VPS use allowed i
API use allowed i
Price scraping allowed i
FIFO rule applies i

Account types

What we compare A comparison of the kinds of account you can open at Trading 212 and at XTB in United Kingdom, and of who each one is meant for.
9 / 12

XTB is better than Trading 212 for CFD/FX account types, because XTB offers an Islamic account, a micro account and a swap-free account, which Trading 212 does not. Both Trading 212 and XTB offer a demo account and a professional traders account.

Trading 212 is better than XTB for real stock account types, because Trading 212 offers a margin investing account, an unlimited demo account and a savings account, which XTB does not. Trading 212 and XTB both offer a stock investing account and a demo account.

Account types
Section score Trading 212 38 -12 69 Best XTB 50 Best 49 -20
Demo account i
Unlimited demo account i
Standard account i
Micro account i
Cent account i
Nano account i
Raw spread account i
ECN account i
Swap-free account i
Islamic account i
Professional traders account i
Fixed spread account i
Spread betting account i
Copy trading account i
Corporate account i
Managed account i
Stock investing account i
Margin investing account i
Savings account i
Retirement account i

Account opening

What we compare A comparison of what it takes to open and fund an account with Trading 212 and with XTB in United Kingdom.
10 / 12

Trading 212 and XTB are equally good for account opening, as Trading 212 offers 3 account base currencies (against XTB's 2), and pays out withdrawals faster, within 2 days (against XTB's 3 days). On the other hand, XTB does not require a minimum deposit (against Trading 212's 1 USD), and has no minimum withdrawal (against Trading 212's 1 USD). Both Trading 212 and XTB offer credit cards and debit cards.

Account opening
Section score Trading 212 65 65 XTB 65 65
Minimum deposit i USD 1 USD 0
Minimum withdrawal i USD 1 USD 0
Wire transfers i
Credit cards i
Debit cards i
eWallets i
Local payment methods i
Account base currencies i EUR, GBP, USD EUR, USD
Deposit waiting time i up to 1 business days Instant
Withdrawal waiting time i up to 2 business days up to 3 business days
Bonus program i

Customer care

What we compare A comparison of the customer support of Trading 212 and XTB in United Kingdom, in how it can be reached and how fast it answers.
11 / 12

XTB is better than Trading 212 for customer care, since XTB has a website in 14 languages (against Trading 212's 11), and offers phone support, which Trading 212 does not. Trading 212 and XTB both offer live chat and email support.

Customer care
Section score Trading 212 58 -4 58 -4 XTB 62 Best 62 Best
Number of languages supported i 11 14
Website languages i Arabic, German, English, French, Italian, Dutch, Polish, Romanian, Russian, Spanish, Chinese Arabic, Czech, German, English, French, Hungarian, Italian, Polish, Portuguese, Romanian, Slovenian, Spanish, Turkish, Chinese
Website available in English i
Customer support languages i Arabic, German, English, French, Italian, Dutch, Polish, Romanian, Russian, Spanish, Chinese Arabic, Greek, English, French, Italian, Russian, Spanish, Thai, Turkish, Chinese
Customer support in English i
Call back request i
Email support i
Phone support i
Live chat i
Priority customer support i
Dedicated account manager i
Cash sweep i
Stock lending i
Distributes proceeds i
Tax withholding agent i
Tax assistance i

Learning

What we compare A comparison of the educational material that Trading 212 and XTB provide to their clients in United Kingdom.
12 / 12

XTB is better than Trading 212 for learning, since XTB offers education for advanced traders, webinars and daily market commentary, which Trading 212 does not. Both Trading 212 and XTB offer education for beginners and an education center.

Learning
Section score Trading 212 43 -45 43 -45 XTB 88 Best 88 Best
Education
Education center i
Education for beginners i
Education for advanced traders i
Webinars i
Tutorials i
Glossary i
Research
Economic calendar i
Traders' sentiment i
Daily market commentary i
Daily trading ideas i
News via social media i
Professional reports i
Watchlist i
Trading 212
Open Account 83% of retail investor accounts lose money when trading CFDs with this provider.
XTB
Open Account 80% of retail investor accounts lose money when trading CFDs with this provider.
Our verdict

Trading 212 vs XTB: which one should you choose?

Trading 212

CFD/FX Choose Trading 212 if you want an online CFD broker with a wide choice of markets and several account base currencies.

Stocks Choose Trading 212 if you want a share dealing service with a wide choice of markets and low minimum withdrawals.

Open Account 83% of retail investor accounts lose money when trading CFDs with this provider.
XTB

CFD/FX Choose XTB if you want a CFD and forex broker for scalping, with fast execution and TradingView.

Stocks Choose XTB if you want a broker for securities investing with bonds to own outright, fast execution and TradingView.

Open Account 80% of retail investor accounts lose money when trading CFDs with this provider.

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