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.

Related Comparisons

Check our comparisons hub for more head-to-head reviews of financial products and services.

FAQ

How do commissions on stocks and ETFs compare between XTB and DEGIRO?

XTB advertises 0% commission on stock and ETF trades up to a monthly volume cap (typically EUR 100,000), with 0.2% charged above that. DEGIRO uses a flat handling fee per trade plus exchange fees, and offers a curated "Core Selection" ETF list with one free transaction per month per ETF under specific conditions; outside the Core list, DEGIRO charges per-trade fees.

Are there custody or inactivity fees on XTB and DEGIRO?

XTB does not charge a custody fee but applies an inactivity fee (around EUR 10/month) after roughly 12 months without trading activity if account equity is below a threshold. DEGIRO charges a per-exchange connectivity fee of around EUR 2.50 per calendar year per foreign exchange used (Amsterdam is free), and does not charge a separate inactivity fee.

Which broker supports IKE or IKZE accounts for Polish users?

XTB offers IKE and IKZE accounts in Poland, which let you defer or avoid the 19% Belka capital gains tax inside the wrapper under current rules and within annual contribution limits. DEGIRO does not offer IKE or IKZE — Polish users on DEGIRO trade only on a standard brokerage account, with regular tax obligations.

How is the 19% Belka tax handled on XTB vs DEGIRO?

XTB issues a Polish PIT-8C for clients tax-resident in Poland, which simplifies the annual settlement of capital gains and dividend income outside of IKE/IKZE. DEGIRO does not issue PIT-8C; you must compile your own annual summary from DEGIRO statements and report it in PIT-38 yourself, including FX conversion to PLN.

Can I see XTB and DEGIRO positions together in Freenance?

You can add XTB and DEGIRO holdings to Freenance manually as instrument positions or accounts, and Freenance will value them in PLN alongside your other accounts. Freenance does not execute trades, hold custody or replace your broker statements — it is a portfolio-tracking and budgeting layer.