justTrade vs XTB Comparison
| 0 % | 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) |
| 27 | Cryptos | 39 crypto Contract for Differences |
| SEPA Transfer | Payment Methods | SEPA/Bank transfer, credit/debit card, e-wallets (Skrill, Neteller – with fee) |
| The justTRADE service is provided by Sutor Bank, which has a BaFin license for deposit and financial commission business. | Regulation | Regulated by the KNF (Poland), CySEC (Cyprus), FCA (UK) and others; locally supervised through its EU branches |
Pros & Cons
- 0 % explicit trading fees – costs arise only through the spread
- 27 cryptocurrencies tradable as real coins
- Staking is offered for crypto ETPs
- Savings plans available for crypto and securities
- Service handled via the BaFin-licensed Sutor Bank
- Stocks and ETFs also tradable as a neobroker
- Wallet transfer to personal wallets not possible – occasionally criticized by users
- SMS-based 2FA security – extended options room for improvement
- Minimum deposit of 50 € is room for improvement compared with other brokers
- 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
- 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
User Experiences
AI AnalysisAccording to 220 analyzed user reviews, justTRADE is especially appreciated for its clear app layout, easy operation, and fast processes. At the same time, users occasionally report technical friction around app display, login, and stability, so based on user data the overall experience is mixed with a positive tendency.
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.
This analysis is based on 220 user reviews evaluated by AI from Trustpilot, Google Play Store. The total number of reviews on the respective platforms may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The reviews presented reflect users’ experiences and do not constitute an independent assessment by the website operator. All information without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin regulation (Sutor Bank) | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA transfer | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Card | ✓ |
| ✓ | Futures trading | ✓ |
| ✓ | Copy trading | ✓ |
| ✓ | Tax export | ✓ |
| ✓ | Demo mode | ✓ |
| ✓ | Education area | ✓ |
- No explicit trading fees – only spread-based costs
- Trading secured via the BaFin-licensed Sutor Bank
- Neobroker with stocks, ETFs, and crypto on one platform
- Blockpit discount (20 %) for crypto tax reports
- 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
| JT Technologies GmbH | Company | XTB S.A. |
| 2019 | Founded | 2002 |
| The justTRADE service is provided by Sutor Bank, which has a BaFin license for deposit and financial commission business. | Regulation | Regulated by the KNF (Poland), CySEC (Cyprus), FCA (UK) and others; locally supervised through its EU branches |
| € 50 | Minimum Amount | 0 € (recommended approximately 250 € for the first deposit) |
| VideoIdent | KYC | Photo ID, fully digital verification |