eToro vs XTB vs DEGIRO: Independent Comparison in 2025

Want to invest in stocks in 2025 and hesitating between eToro, XTB and DEGIRO? This comparative guide provides an honest and complete analysis to choose the best platform according to your objectives.

Why these three platforms?

eToro, XTB and DEGIRO are today among the most popular brokers in Europe. Each offers a distinct approach:

• eToro: the most intuitive interface and unique CopyTrading
• XTB: a platform focused on technical analysis and training
• DEGIRO: very competitive pricing structure on European stocks

But which platform is best suited to your profile? Here are the criteria we will compare:

Comparison criteria

• 💸 Fees and commissions
• 📊 Products and available assets
• 🛠️ Features and trading tools
• 🔐 Security and regulation
• 📱 User interface and mobile application

Summary comparison table (2025)

1. Fees and commissions

Fees are an essential criterion, especially for regular investors. Here's what you need to know:

eToro

eToro offers 100% commission-free stock trading, provided you don't use leverage. No brokerage fees, no management fees. Spreads are present on cryptos and CFDs. Additional fees include:

• $5 withdrawal fee
• Currency conversion if deposit not in USD
• Inactivity fee after 12 months

XTB

XTB doesn't charge commissions on stocks and ETFs, up to €100,000 monthly volume. Beyond that, 0.2% fees are applied. CFDs have variable spreads, and there are no withdrawal fees. XTB is known for its transparent fee policy.

DEGIRO

DEGIRO charges €0.50 + market fees per stock transaction (e.g.: 0.04% on Euronext). "Free" ETFs are limited to a selection. No minimum deposit, no withdrawal fees, but a rather technical pricing grid to read. No hidden spreads, but watch out for automatic exchange fees.

2. Available products

Each platform covers a different range of financial instruments:

eToro

A wide and balanced offering:

• US, European, Asian stocks
• ETFs, indices, commodities
• Cryptocurrencies (BTC, ETH, ADA...)
• CFDs on forex, commodities and indices

Ideal for diversified investors and those who want to explore the crypto market.

XTB

XTB offers:

• CFDs on stocks, indices, commodities, forex
• Real stocks and ETFs since 2021

Cryptos are only available as CFDs. It's not possible to buy real BTC or ETH.

DEGIRO

DEGIRO focuses on listed securities:

• Stocks (US, EU, Asia)
• ETFs, bonds, derivatives (options, futures)

No crypto, no CFDs. DEGIRO remains a "long-term investor" platform rather than a trading tool.

3. Interface, tools and user experience

eToro

eToro shines through its simplicity and social aspect. The interface is designed for beginners, with intuitive navigation. CopyTrading is integrated, with possibility to filter by performance, risks or portfolio type. Charts are simple but sufficient. The "community" aspect brings real added value to learn by exchanging with other investors.

XTB

XTB offers a robust platform, with xStation 5, ideal for more experienced traders. Many technical indicators, price alerts, economic calendar and analyses are available. The interface is professional, but requires a steeper learning curve. Excellent for swing trading or CFD strategies.

DEGIRO

The DEGIRO interface is more austere. It goes straight to the point, without frills. It's purely functional logic, without CopyTrading or advanced chart tools. Ideal for "buy & hold" investors who know what they want to buy. No social or educational module.

4. Regulation and security

It is imperative to ensure that the chosen platform respects current regulations and protects your funds:

eToro

eToro is regulated by several financial regulatory authorities:

• CySEC (Cyprus)
• FCA (United Kingdom)
• ASIC (Australia)

Client funds are separated, and a robust security system is in place, with 2FA and protection against attacks.

XTB

XTB is also well regulated, notably by KNF (Poland) and FCA. Accounts are separated, and the trading environment is safe. Tools like guaranteed stop-loss are available.

DEGIRO

DEGIRO is regulated in the Netherlands, via the Financial Markets Authority (AFM) and DNB. Although DEGIRO doesn't offer default 2FA account protection, funds are well separated in an independent entity.

5. Mobile application and accessibility

eToro

The eToro mobile application is rated among the best on Android and iOS. Fluid, ergonomic and 100% functional. You can follow your portfolios, copy traders or place your orders in a few clicks.

XTB

xStation Mobile is very powerful, but slightly more technical. It's more suited to active traders. It allows real-time analysis, customizable charts and fast trading.

DEGIRO

The DEGIRO app is simple and minimalist. Perfect for checking positions or placing basic orders. No advanced features, but effective for managing a long-term portfolio.

6. Community, support and training

eToro

With its integrated social network, eToro offers a unique approach: portfolio sharing, news feeds, discussions between investors. Ideal to progress together. Customer support is available 24/7 by ticket, in multiple languages.

XTB

XTB stands out with its free online training: videos, webinars, eBooks. Support is efficient and responsive. A real asset for serious beginners or technical traders.

DEGIRO

DEGIRO remains limited on this aspect: few educational content, little community, little interaction. Customer support by email or phone, rather slow compared to competition.

Conclusion: which platform to choose?

It all depends on your profile:

• Beginner or versatile investor → eToro ✅
• Active trader, oriented technical analysis → XTB
• Passive investor, long-term oriented → DEGIRO

💡 If you're starting out or looking for a simple and complete experience, eToro is the best solution in 2025.