eToro vs XTB
ETORO (UK) LIMITED holds client money; authorisation by the FCA, FRN 583263, has been in place since 9 May 2013. XTB Limited holds client money; authorisation by the FCA, FRN 522157, has been in place since 17 Jan 2011.
eToro and XTB side by side
Every figure comes from the broker itself, and each one carries the date we read it. The order follows how people search for them, not any preference.
| Fact | eToro | XTB |
|---|---|---|
| UK firm | ETORO (UK) LIMITED | XTB Limited |
| FRN | 583263 | 522157 |
| Regulatory status | Authorised | Authorised |
| Authorised since | 9 May 2013 | 17 Jan 2011 |
| Clone firms on the register | 5 | 9 |
| Retail CFD accounts that lose money | 55%, read 2 Nov 2026 | 74%, read 2 Nov 2026 |
| EUR/USD spread as stated | 0.005% per trade (minimum, Standard) | Not stated |
| Smallest deposit | £50 | No minimum |
| Inactivity fee | Not stated | no account maintenance charge for any active client, whatever the account balance |
| Withdrawal fee | Local currency (GBP) accounts: no charge. A USD investment account: USD 5. | free |
| Withdrawal time | Not stated | Processing takes up to 3 working days; allocating bank wires and card payments may take up to 3 working days. |
| CFDs | Yes | Yes |
| Share dealing | Yes | Yes |
| Retail leverage | Not stated | Maximum 1:30 for retail clients on major forex pairs |
| Platforms | Etoro platform and app (etoro edge terminal) | XTB platform (xStation) |
| Demo account | Yes | Yes |
| Negative balance protection | Not stated | Yes |
| iPhone app rating, UK App Store | 4.24 of 5 (18,299 ratings) | 4.66 of 5 (1,977 ratings) |
Both brokers match: demo account, share dealing, CFDs and FCA status.
Source details: On 2 Nov 2026, we read etoro.com. We also read xtb.com/en on 2 Nov 2026. We read etoro.com/trading/fees/cfd-spreads on 2 Nov 2026. We read xtb.com/en/forex on 2 Nov 2026. We read xtb.com/en/account-and-fees on 2 Nov 2026. On 2 Nov 2026, we read xtb.com/en/platform.
How the two loss rates stand against the wider field
The full risk warning from each broker
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Retail investor accounts that lose money trading CFDs with this provider: 55%. You should consider whether CFDs work in a way you understand, and whether you can afford to bear the high risk of losing your money.
These are eToro's own words, read 2 Nov 2026, from the site etoro.com.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Retail investor accounts that lose money trading CFDs with this provider: 74%. You should consider if you understand how CFDs work and can afford to face the high risk of losing your money.
In XTB's own words, from xtb.com, read 2 Nov 2026.