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XTB vs Interactive Brokers: Which Is Better in 2026?
XTB (real stocks + ETFs + CFDs) and Interactive Brokers (real stocks (global)) compared head-to-head on cost, minimums, markets and safety.
Interactive Brokers comes out ahead. Interactive Brokers scores 4.7/5 with from $0 (IBKR lite) commission, a $0 minimum and yes fractional shares, plus widest market access and pro grade.
| Feature | XTB | Interactive Brokers |
|---|---|---|
| Overall score | 4.6 / 5 | 4.7 / 5 |
| Asset type | Real stocks + ETFs + CFDs | Real stocks (global) |
| Stock commission | 0% up to €100k/mo | From $0 (IBKR Lite) |
| Minimum deposit | $0 | $0 |
| Fractional shares | Yes | Yes |
| Markets | US, UK, EU + 16 exchanges | 150+ markets, 33 countries |
| Regulation | FCA, KNF, CySEC, DFSA | SEC, FINRA, FCA, + |
| Platforms | xStation 5 | TWS, IBKR mobile |
Which one should you actually pick?
Interactive Brokers. Serious investors who want the widest market access anywhere and the lowest costs at scale.
XTB is not the wrong answer for everyone. European investors who want a serious platform without paying commission until their volume gets large. Where it struggles: Anyone who wants the simplest possible app, or who is investing outside XTB's supported markets.
The honest framing is that these two are not interchangeable. XTB gives you Real stocks + ETFs + CFDs with access to US, UK, EU + 16 exchanges, while Interactive Brokers gives you Real stocks (global) across 150+ markets, 33 countries. If you already know which markets you want to hold, that single line decides it faster than any score.
What each one really costs
On the headline number, XTB charges 0% up to €100k/mo and Interactive Brokers charges from $0 (IBKR lite). That is the figure both of them advertise, and it is the least useful one for predicting what you will pay.
Where Interactive Brokers actually charges you:
- IBKR Lite: $0 commission on US stocks and ETFs. IBKR Pro: tiered pricing from a very low per-share rate.
- Currency conversion at close to interbank rates, which is far cheaper than the retail apps and matters if you buy foreign shares.
- Market data subscriptions are charged separately, an unfamiliar concept if you have come from a free app.
- No inactivity fee on most account types since 2021.
Where XTB actually charges you:
- 0% commission on real stocks and ETFs up to €100,000 monthly turnover, then 0.2% with a minimum.
- A currency conversion charge when trading assets denominated in another currency.
- No account or platform fee; an inactivity fee applies after twelve months of no activity and no deposits.
For a portfolio under a few thousand, currency conversion and withdrawal fees will almost always cost you more over a year than the commission difference. Work out how you will fund the account and how often you expect to take money out, then compare on that rather than on the per-trade rate.
Is your money safe with either?
XTB is regulated by FCA, KNF, CySEC, DFSA. Interactive Brokers is regulated by SEC, FINRA, FCA, +. Both are covered by real regulators, so the question is not whether one is legitimate, but which entity your particular account sits under, because that decides your compensation scheme.
Regulated by the SEC and FINRA in the US, the FCA in the UK and multiple other authorities. US accounts carry SIPC protection to $500,000, including $250,000 for cash; UK accounts fall under FSCS to £85,000. IBKR is publicly listed and holds capital far in excess of requirements.
Regulated by the FCA, Poland's KNF, CySEC and the DFSA depending on entity. Client funds are segregated, with FSCS cover to £85,000 for UK clients and the local compensation scheme in the EU. Being publicly listed also means audited accounts you can read.
Worth being clear about what that protection is: compensation schemes cover the broker failing and being unable to return your assets. They do not cover your investments losing value. Nothing here removes market risk.
Frequently asked questions
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