eToro vs XTB (2026): regulation, platforms and costs compared
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Data refreshed 25 Aug 2026 · Compiled by David Ispiryan
eToro is a well‐regarded forex broker and multi‐asset platform offering broad access to currency markets via web and mobile trading. It provides social trading features, research, and education within an integrated interface…
XTB is a forex and CFD broker offering a proprietary platform, broad instrument coverage, and integrated research and education. It is regulated in multiple jurisdictions.
eToro (Israel, founded 2007) holds 3 regulatory licences (ASIC, CySEC, FCA), 2 of them tier-1, offers Proprietary and sits in our low-fee bracket. XTB (Poland, founded 2002) holds 5 regulatory licences (DFSA, FCA, FSCA, IFSC, KNF), 1 of them tier-1, offers Proprietary and sits in our low-fee bracket. The two overlap in 48 countries; eToro is available in 169 countries where XTB is not, and XTB in 0 where eToro is not.
Verdict at a glance
eToro leads on instrument range, country coverage and tier-1 licences.
XTB leads on trust rank, track record and regulatory coverage.
Level on platform choice and fee level.
Scored on 8 measurable dimensions where both brokers have verified data. Dimensions missing for either side are excluded rather than guessed. This is a data summary, not a recommendation.
Copy Trading, Professional Trading, Retail Trading
Professional Trading, Retail Trading
Highlighted cells mark the stronger value where a direction is objectively better (e.g. more licences, lower fees). "Not verified" means the field is not yet in our catalogue for that broker — we never fill gaps with estimates.
Pros
eToro
Tier-1 regulation (FCA/ASIC/CySEC)
Negative balance protection
Built-in social/copy trading
Multi-asset CFD account
Spread-only FX pricing
XTB
Tier-1 multi-jurisdiction regulation
Proprietary xStation 5 platform with advanced charting and one-click trading
Official xAPI for algorithmic trading and data access
Competitive FX spreads with commission-free Standard account
Publicly listed broker with audited financials
Cons
eToro
Higher spreads than ECN/STP brokers
No MT4/MT5 or third-party platform support
Market-maker execution (not true ECN/STP)
No guaranteed stop-loss orders
Withdrawal and currency conversion fees
XTB
No MetaTrader 5 support
No guaranteed stop-loss orders (GSLOs)
Inactivity fee after prolonged inactivity
Withdrawal fees for small amounts below minimum threshold
No integrated social/copy trading
Key features
eToro
CFD forex trading on majors minors and exotics
Regulated by FCA CySEC and ASIC with segregated client funds
Social copy trading CopyTrader and Smart Portfolios
Proprietary web and mobile platform with ProCharts and economic calendar
Risk management orders stop loss take profit and negative balance protection
Two factor authentication and KYC AML security controls
XTB
Multi asset CFD trading Forex Indices Commodities Shares ETFs Crypto
Real stock and ETF investing zero commission up to monthly cap
xStation 5 proprietary platform advanced charting sentiment and risk tools
Publicly listed broker segregated client funds and negative balance protection
Tier one regulation including FCA and KNF
Extensive education research and market news resources
Country availability: eToro vs XTB
Available at both (48): Angola, Austria, Belgium, Bermuda, Bulgaria, Canada, Chile, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, Indonesia, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Mauritania, Moldova, Montenegro, Netherlands, North Macedonia, Philippines, Poland, Portugal, Romania, Saint Kitts and Nevis, Serbia, Slovakia, Slovenia, South Africa and 8 more.
Only eToro (169): Albania, Algeria, Andorra, Anguilla, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belize, Benin, Bhutan, Bolivia, Bonaire, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Burkina Faso, Burundi and 144 more.
Both sit in the same fee bracket (low) in our catalogue; compare the spreads and commission rows above for detail.
Which is older, eToro or XTB?
XTB is the older of the two, founded in 2002; eToro was founded in 2007.
Are eToro and XTB available in the same countries?
They overlap in 48 countries. eToro is additionally available in 169 countries (Albania, Algeria, Andorra, Anguilla, Antigua and Barbuda, Argentina and 163 more) and XTB in 0 countries ().
Risk warning: CFDs and forex are complex, leveraged instruments and carry a high risk of losing money rapidly. A majority of retail investor accounts lose money when trading CFDs. Nothing on this page is financial advice; verify licence status on the regulator's register before depositing. Full risk disclosure.