Written by StockBrokers.com
Is XTB better than CMC Invest? After scoring the best share dealing accounts across 46 different variables, our analysis finds that XTB is better than CMC Invest. XTB has set itself up as a strong competitor in commission-free share trading. Its low fees and solid educational content will make XTB particularly attractive to newer investors. It does not, however, offer an ISA or SIPP.
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0 of 5| Overall Rating | XTB | CMC Invest | |
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| Review | XTB Review | CMC Invest Review | |
| Winner | check_circle |
| Investments | XTB | CMC Invest | |
|---|---|---|---|
| ISA | No | Yes | |
| SIPP | No | No | |
| Share Trading | Yes | Yes | |
| CFD Trading | Yes | No | |
| Funds | Yes | Yes | |
| ETFs | Yes | Yes | |
| Bonds - Corporate | No | No | |
| Bonds - Government (Gilts) | No | No | |
| Investment Trusts | No | Yes | |
| Spread Betting | Yes | No | |
| Crypto Trading | No | No | |
| Advisor Services | No | No |
| Trading Fees | XTB | CMC Invest | |
|---|---|---|---|
| Minimum Deposit | £0.0 | £0.0 | |
| Share Trading: 0-9 Deals/ Month | £0 | 0 | |
| Share Trading: 10-19 Deals/ Month | £0 | 0 | |
| Share Trading: 20+ Deals/ Month | £0 | 0 | |
| 5 trades per year (£30k portfolio) | £0 | £0 | |
| 12 trades per year (£30k portfolio) | £0 | £0 | |
| 36 trades per year (£30k portfolio) | £0 | £0 | |
| 120 trades per year (£30k portfolio) | £0 | £0 | |
| 3 fund trades per year (£30k portfolio) | N/A | £0 | |
| Annual Custody Fee: £0 - £250,000 | 0 | 0 | |
| Annual Custody Fee: £250K-£500K | 0 | 0 | |
| Annual Custody Fee: £500,000 - £1m | 0 | 0 | |
| Annual Custody Fee: £1m and over | 0 | 0 | |
| Bonds - Corporate - Fee | N/A | N/A | |
| Bonds - Government (Gilts) - Fee | N/A | N/A | |
| ETFs - Fee | £0 | 0 | |
| Investment Trusts - Fee | N/A | 0 | |
| Telephone Dealing Fee | N/A | 0 |
| Broker Screenshots | XTB | CMC Invest | |
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| Platforms & Tools | XTB | CMC Invest | |
|---|---|---|---|
| Web Platform | Yes | No | |
| iPhone App | Yes | Yes | |
| Android App | Yes | Yes | |
| Stock Alerts | Yes | Yes | |
| Charting - Indicators / Studies | 59 | 0 | |
| Charting - Drawing Tools | 9 | 0 | |
| Charting - Notes | Yes | No | |
| Charting - Display Corporate Events | Yes | No | |
| Charting - Stock Overlays | Yes | No | |
| Charting - Index Overlays | Yes | No |
| Research | XTB | CMC Invest | |
|---|---|---|---|
| Research - Shares | Yes | Yes | |
| Research - CFDs | Yes | No | |
| Research - Funds | No | No | |
| Fund Research - Research Reports | Yes | No | |
| Research - ETFs | Yes | No | |
| Research - Bonds | No | No | |
| Portfolio Allocation Breakdown | Yes | No |
| Education | XTB | CMC Invest | |
|---|---|---|---|
| Education (Share Trading) | Yes | No | |
| Education (Funds) | Yes | No | |
| Education (Retirement) | No | No | |
| Client Webinars | Yes | No | |
| Client Webinars (Archived) | Yes | No |
| Overall Summary | XTB | CMC Invest | |
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| Review | XTB Review | CMC Invest Review | |
| Winner | check_circle |
Comparing online share dealing platforms side by side is no small task. For our 2024 review of U.K. brokers, more than 900 data points were collected over a 10-week period and used to score each broker. Let’s compare XTB and CMC Invest.
For our 2024 Review, we assessed the best trading platforms in the UK for online share dealing. Let's compare XTB vs CMC Invest.
XTB has set itself up as a strong competitor in commission-free share trading. Its low fees and solid educational content will make XTB particularly attractive to newer investors. It does not, however, offer an ISA or SIPP.
CMC Invest offers commission-free trading of U.K.-listed shares and U.S. equities via a mobile app only. Though a newer entrant to the U.K. share dealing market and currently somewhat limited, it’s powered by global contender CMC Markets, making it likely that its offerings will expand.
Alongside the cost per trade, most UK online brokers also charge a monthly, quarterly, or annual management fee, which varies based on the account type and balance. Based on our thorough review, CMC Invest offers better pricing than XTB for share dealing.
Assuming a £30,000 portfolio size, here are the total annual costs for share dealing with both brokers, given different monthly activity scenarios.
5 trades per year - XTB would cost £0 per year, while CMC Invest would cost £0 per year.
12 trades per year - XTB would cost £0 per year, while CMC Invest would cost £0 per year.
36 trades per year - XTB would cost £0 per year, while CMC Invest would cost £0 per year.
120 trades per year - XTB would cost £0 per year, while CMC Invest would cost £0 per year.
3 fund trades per year - XTB would cost £0.0 per year, while CMC Invest would cost £0.0 per year.
What type of trader are you?
Our guides can help you choose the right broker for you and the way you trade: whether you consider yourself an investing beginner, a more experienced active trader, or a mobile-first trading enthusiast.
XTB requires a minimum deposit of £0.0, while CMC Invest requires a minimum deposit of £0.0. From our testing we found for accounts between £0 - £250,000 XTB charges annual custody fees of 0, while CMC Invest charges annual custody fees of 0.
XTB offers investors access to Share Trading, CFD Trading, Funds, ETFs and Spread Betting, while CMC Invest offers investors access to ISA, Share Trading, Funds, ETFs and Investment Trusts. Neither have SIPP, Bonds - Corporate, Bonds - Government (Gilts), Crypto Trading and Advisor Services. Investing encompasses a wide variety of asset classes, so finding a broker that offers every investment type you are interested in is important.
Self-invested personal pensions (SIPPs) and individual savings accounts (ISAs) are tax-advantaged savings accounts that are an important tool for many individual investors. You can read more about how these accounts operate at Gov.UK: Click here for SIPP information and here for ISA information. Our analysis finds that XTB offers traders access to neither of these accounts, while CMC Invest offers traders access to ISA accounts. Neither have SIPP.
In our analysis of top brokers for share dealing in the U.K., we research whether each broker offers the ability to trade cash cryptocurrency, such as bitcoin and ethereum, which is still a somewhat rare offering amongst major U.K. brokers. Our review finds that neither XTB nor CMC Invest offer crypto investing.
Our testing concluded that the website of XTB is better than the website of CMC Invest. XTB offers more functionality, is cleanly designed, and is, overall, easier to use for beginners and casual investors.
To compare the trading platforms of both XTB and CMC Invest, we tested each broker's stock trading app. All features compared, our analysis finds that CMC Invest offers a better mobile app. Dive deeper: Best Stock Trading Apps UK.
Educational offerings are of particular importance to those who are newer to investing, and we examine the availability of several different types of educational materials in our analysis. Our research finds that XTB offers traders access to Client Webinars, Client Webinars (Archived), Education (Share Trading) and Education (Funds), while CMC Invest offers access to neither of these. Neither have Education (Retirement).
Overall winner: XTB
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