XTB vs DEGIRO — Honest Comparison 2026
Detailed XTB vs DEGIRO comparison for 2026. Fees, features, pros and cons — which broker is better for your needs?
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XTB vs DEGIRO — Which One Should You Choose in 2026?
Choosing between XTB and DEGIRO is one of the most common dilemmas for European broker users. Both are solid options, but they serve different needs. Let's break down the real differences.
Quick Verdict
Choose XTB if: you want 0% commission up to EUR 100k/month turnover, automatic Polish PIT-8C, and IKE/IKZE retirement accounts.
Choose DEGIRO if: you prioritize simplicity, lower costs, or specific features where DEGIRO has a clear edge.
Feature Comparison
| Feature | XTB | DEGIRO |
|---|---|---|
| Account fee | EUR 0 | EUR 0 (EUR 2.50/exchange/yr connectivity) |
| Stock/ETF commission | 0% up to EUR 100k/mo turnover (0.2% min EUR 10 above) | EUR 1 handling on Core ETFs; ~EUR 2-5 elsewhere |
| FX conversion | 0.5% | 0.25% AutoFX |
| Fractional shares | Yes | No |
| IKE/IKZE (Poland) | Yes (both) | No |
| EU availability | ✅ | ✅ |
Fees Comparison
Fees are where the biggest differences emerge. Both platforms have evolved their pricing in 2026, and the details matter more than headline rates.
XTB Fees
XTB charges 0% commission on stocks and ETFs up to EUR 100,000 of monthly turnover (0.2%, min EUR 10, above that), a 0.5% FX conversion fee, and an inactivity fee of EUR 10/month only after 365 days with no trades and no deposit in the prior 90 days. No custody fee.
DEGIRO Fees
DEGIRO charges EUR 0 commission + EUR 1 handling on Core Selection ETFs (no free-trade rule anymore), flat per-venue fees elsewhere (~EUR 2-4 + EUR 1), a EUR 2.50 per-exchange annual connectivity fee, and 0.25% AutoFX.
Pros and Cons
XTB
Pros:
- Large user base and established reputation
- Wide feature set covering multiple financial needs
- Strong mobile app experience
Cons:
- 0.5% FX fee is high for frequent USD trading
- Can feel overwhelming for simple use cases
- Customer support can be slow during peak times
DEGIRO
Pros:
- Clean, focused user experience
- Competitive pricing on core features
- Good for specific use cases
Cons:
- Smaller ecosystem compared to XTB
- Some features still maturing
- Limited availability in certain countries
Made your pick? See how it fits the rest of your money — accounts, cards and investments in one view.
See your Freedom Runway — freeWhich Is Better for Polish Users?
For users based in Poland, both platforms work well, but there are some differences worth noting:
- PLN support: Check which platform offers better PLN account and conversion rates
- Polish bank transfers: BLIK and Polish domestic transfers availability
- Tax reporting: XTB issues PIT-8C automatically for Polish residents; DEGIRO does not — and Freenance can help you track investment income and prepare for tax season
Our Recommendation
There's no universal winner — it depends on your specific needs. For most users, we recommend trying both (free tiers exist) and seeing which fits your workflow better.
Track both accounts in one place: Use Freenance to connect all your financial accounts and see your complete financial picture, regardless of which platform you choose.
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FAQ
How do commissions on stocks and ETFs compare between XTB and DEGIRO?
XTB advertises 0% commission on stock and ETF trades up to a monthly volume cap (typically EUR 100,000), with 0.2% charged above that. DEGIRO uses flat per-venue fees plus a EUR 1 handling fee, and offers a curated "Core Selection" ETF list at EUR 0 commission + EUR 1 handling per trade (the old free-monthly-transaction rule was abolished); outside the Core list, DEGIRO charges per-trade fees.
Are there custody or inactivity fees on XTB and DEGIRO?
XTB does not charge a custody fee but applies an inactivity fee of EUR 10/month after 365 days without a trade combined with no deposit in the prior 90 days (no equity threshold; waived while positions are open). DEGIRO charges a per-exchange connectivity fee of around EUR 2.50 per calendar year per foreign exchange used (Amsterdam is free), and does not charge a separate inactivity fee.
Which broker supports IKE or IKZE accounts for Polish users?
XTB offers IKE and IKZE accounts in Poland, which let you defer or avoid the 19% Belka capital gains tax inside the wrapper under current rules and within annual contribution limits. DEGIRO does not offer IKE or IKZE — Polish users on DEGIRO trade only on a standard brokerage account, with regular tax obligations.
How is the 19% Belka tax handled on XTB vs DEGIRO?
XTB issues a Polish PIT-8C for clients tax-resident in Poland, which simplifies the annual settlement of capital gains and dividend income outside of IKE/IKZE. DEGIRO does not issue PIT-8C; you must compile your own annual summary from DEGIRO statements and report it in PIT-38 yourself, including FX conversion to PLN.
Can I see XTB and DEGIRO positions together in Freenance?
You can add XTB and DEGIRO holdings to Freenance manually as instrument positions or accounts, and Freenance will value them in PLN alongside your other accounts. Freenance does not execute trades, hold custody or replace your broker statements — it is a portfolio-tracking and budgeting layer.