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 a more established platform with a wider feature set and don't mind paying slightly more for premium features.

Choose DEGIRO if: you prioritize simplicity, lower costs, or specific features where DEGIRO has a clear edge.

Feature Comparison

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 offers competitive pricing across its core services. The free tier covers basic needs, while premium plans unlock additional features.

DEGIRO Fees

DEGIRO takes a slightly different approach to pricing, often being more transparent about costs upfront.

Pros and Cons

XTB

Pros:

• Large user base and established reputation
• Wide feature set covering multiple financial needs
• Strong mobile app experience

Cons:

• Premium features require paid plans
• 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

Which 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: Neither provides automatic PIT generation, but 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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