Flatex vs XTB Comparison
| 0.7 % | Fees | 0% commission on crypto Contracts for Difference; costs apply through spreads and swap fees. |
| € 7.00 | Cost for €1,000 | Not comparable (spread-based) |
| 20 | Cryptos | 39 crypto Contract for Differences |
| SEPA Transfer | Payment Methods | SEPA/Bank transfer, credit/debit card, e-wallets (Skrill, Neteller – with fee) |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | Regulated by the KNF (Poland), CySEC (Cyprus), FCA (UK) and others; locally supervised through its EU branches |
Flatex
vs
XTBWinner
Pros & Cons
Pros
- BaFin-regulated German bank with a full licence
- Crypto ETPs held in a standard portfolio alongside shares and ETFs
- German tax certificate included
- Established provider, in business since 1999
Cons
- No direct crypto trading, only ETPs and ETNs
- No withdrawal to a personal wallet
- Order fees on top of ongoing product costs (TER)
Pros
- Broad multi-asset offering: 39 crypto Contracts for Differences plus more than 12,300 instruments across stocks, ETFs, forex, commodities and indices
- Long and short crypto positions with leverage up to 1:2, plus stop-loss and take-profit
- 0% commission on real stocks and ETFs up to €100,000 in monthly trading volume
- Established, publicly listed broker with 20+ years of history and multi-regulator oversight
- Locally regulated European branches with support in the local language, plus extensive educational resources
Cons
- Crypto is offered only as Contracts for Differences - no option to buy and hold real coins, so XTB suits traders seeking price exposure rather than investors wanting to own and withdraw crypto
- Because positions are Contracts for Differences, transferring crypto to a personal wallet isn't possible (expected for this product type, but a limitation if self-custody is your goal)
Score Comparison
4.0Usability4.2
3.6Features4.3
3.7Fees4.0
4.4Stability4.5
4.0Support4.1
User Experiences
AI Analysis—
App Store
4.5—
Google Play
4.4Existing brokerage clients value the simplicity; crypto purists miss owning real coins.
According to the analyzed user reviews, the overall picture of XTB is mixed. Users particularly appreciate the clear, easy-to-understand interface; however, in terms of support, fees, and technical reliability, users occasionally report critical experiences.
Investing carries a high level of risk, up to and including total loss of capital. This is not investment advice. As of July 2026, without guarantee.
Features
FlatexXTB
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Card | ✓ |
| ✓ | Futures trading | ✓ |
| ✓ | Copy trading | ✓ |
| ✓ | Tax export | ✓ |
| ✓ | Demo mode | ✓ |
| ✓ | Education area | ✓ |
- Crypto in a securities wrapper for conventional portfolios
- More than 20 years on the market and over 2.5 million customers
- Interest on uninvested balances in different currencies
- XTB Card and payment account as additional features for private customers
Details
FlatexXTB
| flatexDEGIRO Bank AG | Company | XTB S.A. |
| 2005 | Founded | 2002 |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | Regulated by the KNF (Poland), CySEC (Cyprus), FCA (UK) and others; locally supervised through its EU branches |
| € 1 | Minimum Amount | 0 € (recommended approximately 250 € for the first deposit) |
| eID, Video-ID, PostIdent | KYC | Photo ID, fully digital verification |