eToro vs XTB (2026): regulation, platforms and costs compared

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Data refreshed 25 Aug 2026 · Compiled by David Ispiryan

eToro

Trust rank #8 · Founded 2007

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…

Read the eToro review

XTB

Trust rank #7 · Founded 2002

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.

Read the XTB review

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.

eToro vs XTB: side-by-side data

CriteriaeToroXTB
Trust rank#8#7
Founded20072002
HeadquartersIsraelPoland
RegulatorsASIC, CySEC, FCADFSA, FCA, FSCA, IFSC, KNF
Broker typeMarket MakerMarket Maker
PlatformsProprietaryProprietary
InstrumentsCommodities, Cryptocurrencies, Forex, Indices, MetalsCommodities, Cryptocurrencies, Forex, Indices
Countries accepted217 countries48 countries
Fee levelLowLow
Trading typesCFD TradingCFD Trading
Best-for use casesCopy Trading, Professional Trading, Retail TradingProfessional 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.

Availability reflects the countries each broker declares it serves. Local rules change; confirm on the broker's own site before signing up.

eToro vs XTB: common questions

Which broker is more regulated, eToro or XTB?

XTB holds more regulatory licences: eToro (ASIC, CySEC, FCA) versus XTB (DFSA, FCA, FSCA, IFSC, KNF). Tier-1 licences: eToro 2, XTB 1.

Which trading platforms do eToro and XTB offer?

eToro offers Proprietary; XTB offers Proprietary.

Which has lower fees, eToro or XTB?

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 ().

Keep comparing

eToro

XTB

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.