XTB and eToro are two of the most popular trading and investing platforms available to UK retail investors. They’re also fairly comparable in terms of what they offer and their target audience. So, it make sense to pit eToro vs XTB against each other in a head-to-head battle.
Both eToro and XTB offer a decent range of investments and features, but both are lacking account options like a stocks and shares ISA or self-invested personal pension (SIPP). So, check out our breakdown of eToro vs XTB and hopefully this will help you pick who’s best, depending on what’s most important to you – whether that’s fees, investment choice, or anything else.
 |  | |
| Finder Score | 9Excellent | 9.2Excellent |
| Customer satisfaction survey | ★★★★★ | ★★★★★ |
| Fees score | 9Excellent | 9.1Excellent |
| Stocks and shares ISA available? | ||
| FSCS protected? | ||
| Go to Site | Go to Site |
eToro and XTB are pretty close when it comes to their Finder score. XTB has a score of 9.2 out of 10, and eToro has a similar 9 out of 10.
Neither platform offer a stocks and shares ISA, but both come with full Financial Services Compensation Scheme (FSCS) protection of up to £120,000.
Both providers score pretty well for fees, with XTB scoring 9.1 out 10 and eToro scoring 9 out of 10.
XTB and eToro both did well in the Finder Investing Customer Satisfaction Awards 2025, with eToro doing slightly better than XTB. For eToro, 100% of customers said they’d recommend the platform to a friend, compared to 90% for XTB.
| | |
| General investment account | ||
| Stocks and shares ISA | ||
| Lifetime ISA (LISA) | ||
| Pension (SIPP) | ||
| Junior ISA (JISA)/Junior SIPP (JSIPP) | ||
| Interest on cash balances | ||
| Keep in mind | Capital at risk. 61% of retail CFD accounts lose money | Capital at risk. 72% of retail CFD accounts lose money |
| Go to Site | Go to Site |
Unfortunately, neither eToro nor XTB offer much in the way of account options. Both platforms pay interest on cash but there’s no tax-efficient wrappers or anything like that.
Winner: Tie
| | |
| Investment choice score | 8.8Great | 8.6Great |
| Available markets | 19 | 3+ |
| Number of investments | 6,000+ | 5,400+ |
| Number of ETFs/funds | 300 | 1,300 |
| Fractional shares | ||
| Min. initial deposit | $50 | £0 |
| Keep in mind | Capital at risk. 61% of retail CFD accounts lose money | Capital at risk. 72% of retail CFD accounts lose money |
| Go to Site | Go to Site |
These platforms are also pretty comparable when it comes to investments, but eToro does have a wider selection overall – covering a great number of global exchanges.
The exchange-traded fund (ETF) options are quite similar, but XTB does have cool features like its investment plans, which let you build a custom passive ETF portfolio.
On the other hand, eToro has some excellent features like CopyTrader, which lets you copy the moves of other traders (for free).
The minimum investment is basically the same with eToro and XTB, however, you need a bigger initial deposit of $100 with eToro.
Winner: eToro
| | |
| Fees score | 9Excellent | 9.1Excellent |
| Platform fees | £0 | £0 |
| Price per trade | £0 | £0 |
| Funds/ETFs | £0 | £0 |
| Foreign exchange fee | 0.75% | 0.5% |
| Regular investing | No | Yes (ETF investment plans) |
| Withdrawal fee | $5 | £0 |
| Deposit fee | £0 | £0 |
| Inactivity fee | $10 per month | €10 |
| Keep in mind | Capital at risk. 61% of retail CFD accounts lose money | Capital at risk. 72% of retail CFD accounts lose money |
| Go to Site | Go to Site |
XTB and eToro offer great value, with pretty low fees across the board. However, XTB has a lower FX fee compared to eToro.
Unfortunately, both platforms charge a withdrawal fee. Although you can avoid XTB’s by withdrawing more than £50. They both also have a similar policy for inactivity.
Winner: XTB
| | |
| Ease of use score | 8.9Great | 9.6Excellent |
| Apple iOS rating | 3.8/5 | 4.7/5 |
| Google Play rating | 3.7/5 | 4.5/5 |
| Ways to contact customer service | Live chat, email and community forum | Phone, email and in-app chat |
| UI/UX | Good | Good |
| Desktop or web access | ||
| Mobile app | ||
| Keep in mind | Capital at risk. 61% of retail CFD accounts lose money | Capital at risk. 72% of retail CFD accounts lose money |
| Go to Site | Go to Site |
XTB is more highly reviewed in places like the App Store and Google Play, but both XTB and eToro scored decently in our ease of use assessment.
We’d say eToro is probably better for beginners and XTB would more likely suit intermediate investors that already have experience placing trades.
Winner: XTB
| | |
| Features score | 10Excellent | 8.3Great |
| Analysis features | ||
| Tools for investing/trading | ||
| Social features | ||
| Learning resources | ||
| Keep in mind | Capital at risk. 61% of retail CFD accounts lose money | Capital at risk. 72% of retail CFD accounts lose money |
| Go to Site | Go to Site |
Although XTB and eToro have a lot to offer, it’s eToro that ticks every single box in this department.
Along with plenty of free research and analysis tools, there are excellent learning resources like the eToro Academy and unique social features like CopyTrader.
Winner: eToro
It’s hard to separate XTB and eToro. If you want a slightly cheaper platform, XTB might be a good fit.
However, if you want more investments, tools, and a more beginner-friendly interface – eToro is worth checking out.
These are two of the highest-rated trading apps on Finder and both offer free demo accounts so you can give them both a try (with no commitment) and see which one you like best.
Winner: Tie
All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.
Prosper offers commission-free investing with no platform fees. After testing and using the app, we gave our thoughts.
We tried out this cheap platform, which lets you choose from 830+ ETFs for a DIY portfolio or get a managed ready-made one.
The Lightyear app is a cheap option for investing in stocks and ETFs with a free stocks and shares ISA. We look and see if there are any catches.
Scottish Friendly is a mutual organisation in the UK that offers ISAs and investment bonds. Read our review to find out what we think of Scottish Friendly and how much it costs.
Saxo is a solid all-rounder that’s widely respected in its field, offering loads of global investment options and research tools.
We review the features and costs of Trading 212, an investment platform designed to teach you about investing and lets you buy shares with zero fees.
Our IG review looks at the features, customer reviews, fees, learning resources and some pros and cons of IG’s platform.
QuilterInvest (formerly NuWealth) lets you invest from as little as £10, with no commissions and low fees.
Online trading giant eToro lets you buy stocks with no commission, but is it the best option for traders and investors?
The Freetrade app lets you buy and sell UK, US, and EU stocks with minimal fees. We look under the bonnet to find out whether there are any catches.