Freetrade vs XTB 2026
In this head to head comparison of Freetrade vs XTB, we will compare the trading platforms, mobile apps, investment options, costs, market research, and more. Let's dive in.
In this head to head comparison of Freetrade vs XTB, we will compare the trading platforms, mobile apps, investment options, costs, market research, and more. Let's dive in.
Your capital is at risk.
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, XTB offers better pricing than Freetrade for share dealing.
What type of trader are you?
New to the world of investing? See our picks for the Best UK Trading Platforms for Beginners. More experienced traders should read our guide to the Best UK Trading Platforms for Active Traders.
Freetrade vs XTB: Both let UK investors buy and sell shares and ETFs, and neither supports crypto, corporate bonds, or adviser services. Freetrade adds funds, UK government bonds (gilts), and investment trusts, but it doesn’t offer CFD trading. XTB is the reverse: it offers CFDs, but not funds, gilts, or investment trusts. Details on spread betting aren’t provided in this comparison.
On investment choice, UK.StockBrokers.com rates both at 4.5 stars; Freetrade ranks 9th of 21 brokers, while XTB ranks 12th. In short, pick Freetrade if you want funds, gilts, or investment trusts alongside shares and ETFs; pick XTB if you need CFDs.
| Feature |
Freetrade
|
|
|---|---|---|
| Share Trading | Yes | Yes |
| CFD Trading | No | Yes |
| ETFs | Yes | Yes |
| Mutual Funds | Yes | No |
| Bonds - Government (Gilts) | Yes | No |
| Investment Trusts | Yes | No |
| Spread Betting | No | No |
| Crypto Trading | No | No |
| Advisor Services | No | No |
| Investment Choices |
|
|
For UK investors comparing trading tools, XTB offers far deeper charting than Freetrade. XTB lets you display corporate events (earnings, splits, dividends) on charts, add notes, and layer index or stock overlays. It includes 4 drawing tools and 13 technical indicators, plus real-time market data. Both Freetrade and XTB have a browser-based platform.
Freetrade’s toolset is minimalist: no drawing tools, no indicators, no chart notes or overlays, and no corporate events on charts, and it does not provide real-time market data. Its main edge here is simple stock price alerts, which XTB does not offer. Choose Freetrade if you only need basic monitoring; pick XTB if you want richer charts and live data for analysis.
| Feature |
Freetrade
|
|
|---|---|---|
| Web Platform | Yes | Yes |
| Stock Alerts | Yes | No |
| Charting - Indicators / Studies | 0 | 13 |
| Charting - Drawing Tools | 0 | 4 |
| Charting - Notes | No | Yes |
| Charting - Display Corporate Events | No | Yes |
| Charting - Stock Overlays | No | Yes |
| Charting - Index Overlays | No | Yes |
Freetrade vs XTB for UK tax wrappers: both brokers offer a Stocks and Shares ISA for tax-efficient investing, but only Freetrade also provides a Self-Invested Personal Pension (SIPP) for retirement saving, while XTB does not offer a SIPP. If you want both an ISA and a pension in one place, Freetrade is the more complete choice; if you only need an ISA, either platform can work.
Dive deeper: Best SIPP Providers, Best Stocks and Shares ISA Providers.
Freetrade and XTB both offer iPhone and Android trading apps for UK investors, and UK.StockBrokers.com rates each mobile app 4.5 out of 5 stars; however, Freetrade ranks slightly higher for Mobile Apps—7th out of 21 brokers—while XTB sits 9th, so if you’re choosing on mobile experience alone, Freettrade edges it while both remain strong choices.
Dive deeper: Best Stock Trading Apps UK.
For UK beginner investors comparing Freetrade vs XTB education, neither broker offers client webinars or on‑demand replays. Both provide learning on share trading, while Freetrade also covers funds and retirement (pensions), which XTB does not. Even so, XTB scores higher for beginner education at 4.5/5 and ranks #8 of 21, compared with Freetrade’s 4/5 and #13. Pick Freetrade if you want extra guidance on funds and retirement, or XTB if you value a higher-rated overall learning experience.
| Feature |
Freetrade
|
|
|---|---|---|
| Client Webinars | No | No |
| Client Webinars (Archived) | No | No |
| Education (Share Trading) | Yes | Yes |
| Education (Funds) | Yes | No |
| Education (Retirement) | Yes | No |
| Education |
|
|
Dive deeper: Best UK Trading Platforms for Beginners.
For UK investors comparing Freetrade vs XTB on market research, XTB offers in-app research on shares and ETFs, while Freetrade does not. Neither broker provides research reports for funds, nor research on funds or bonds. Freetrade does, however, let you see your portfolio allocation by asset class, a view XTB doesn’t offer. Choose XTB if you want built-in share and ETF insights; pick Freetrade if seeing your asset mix matters more.
| Feature |
Freetrade
|
|
|---|---|---|
| Research - Shares | No | Yes |
| Research - ETFs | No | Yes |
| Research - Bonds | No | No |
| Research - Funds | No | No |
| Fund Research - Research Reports | No | No |
| Portfolio Allocation Breakdown | Yes | No |
Which broker is better overall, Freetrade or XTB? After collecting more than 900 data points over a 10-week period, we found Freetrade to be a better trading platform overall.
Overall Freetrade is a great platform to help you get to grips with investing. Costs are low, and its user-friendly mobile app offers great investment inspiration. Sophisticated investors, however, may find that other platforms offer a wider range of investment options and tools.
| Feature |
Freetrade
|
|
|---|---|---|
| Overall Rating |
|
|
| Charges & Fees |
|
|
| Investment Choices |
|
|
| Mobile App |
|
|
| Website |
|
|
| Ease of Use |
|
|
| Education |
|
|
Neither Freetrade nor XTB offer crypto trading, making their online brokerage options suitable for investors focused on other financial markets.
We reviewed and compared over 20 of the top U.K. brokerage firms to create our list of the best U.K. investment platforms for beginner investors.
Elizabeth Anderson Dec 5, 2023
Choosing the best broker can be crucial to your success as a day trader in the U.K., as the needs of active traders can be drastically different from those of passive investors. See our top picks, based on hands-on testing and analysis.
Steven Hatzakis Aug 26, 2020
The best UK mobile trading apps appeal to all levels of trading skill — beginner, active trader, and longer-term investor. Check out our top picks here.
Elizabeth Anderson Oct 4, 2022
Hargreaves Lansdown offers top research and a quality app but higher fees. Learn more about its features and if it’s right for your portfolio.
Elizabeth Anderson Oct 5, 2022
XTB’s low fees and solid education make it ideal for new investors. Learn more about its features and drawbacks in our full XTB review.
Elizabeth Anderson Sep 26, 2023
Charles Stanley Direct is an online investment platform where you can invest in a wide range of products, including stocks and ETFs, using various accounts like tax-advantaged ISAs and SIPPs.
Elizabeth Anderson Aug 20, 2024
Review Vanguard’s low fees, ISA and SIPP options, and simple long-term investing funds. See if Vanguard is the right low-cost platform for your portfolio.
Elizabeth Anderson Dec 5, 2023
Trade U.K. and U.S. shares commission-free with CMC Invest. Backed by CMC Markets. Explore if it’s the right app for your portfolio today.
Elizabeth Anderson Apr 19, 2023
Review Freetrade’s fees, ISA costs, and investment options. Learn whether Freetrade’s commission-free trading is the right choice for your portfolio.
Elizabeth Anderson Oct 4, 2022
Webull has a good app, desktop platform, and low fees, but is limited in the UK by offering only US stocks with no products offered from other markets.
Elizabeth Anderson Jul 20, 2024
Bestinvest appeals to a wide range of investors. Fees are competitive, particularly if you invest in funds or US shares, and investment options are extensive.
Elizabeth Anderson Jul 22, 2024
Interactive Investor offers flat fees, wide investment choice, and strong research tools. See who ii is best for and whether it’s the right platform for you.
Elizabeth Anderson Oct 4, 2022
Robinhood is great for trading US stocks and for beginners who want to learn the basics without worrying about small trades being swallowed up by hefty fees.
Elizabeth Anderson Jul 22, 2024
IG is a trading platform for experienced investors, offering shares, ETFs, spread betting, and CFDs on an easy-to-use interface.
Elizabeth Anderson Oct 4, 2022
AJ Bell review 2025: Explore ISAs, SIPPs, fees, app features, and ratings. Find out if AJ Bell is the best UK investing platform today.
Elizabeth Anderson Dec 5, 2023
Revolut offers easy app-based investing with commission-free trades and a new stocks & shares ISA. See whether Revolut is the right platform for your portfolio.
Elizabeth Anderson Jul 22, 2024
Capital.com is a U.K. broker primarily known for CFDs (contracts for difference) and spread betting. While it previously offered the chance to buy and sell shares commission-free, you can no longer buy shares directly through Capital.com. Trading is limited to an unleveraged CFD account.
Elizabeth Anderson Oct 4, 2022
Explore Halifax Share Dealing’s flat fees, ISA options, and ready-made portfolios. Find out whether Halifax offers good value for your investing style.
Elizabeth Anderson Dec 5, 2023
Review Lloyds’ investing platform, ISA fees, SIPP costs, and investment options. See if Lloyds is the right low-cost choice for your portfolio.
Elizabeth Anderson Dec 5, 2023
Fidelity offers thousands of investments and also offers financial advice for those wanting direction. My view is that Fidelity is most suited to traditional investors who hold a range of accounts through the platform.
Elizabeth Anderson Dec 5, 2023
Trading 212 offers commission-free trading, but lacks mutual funds. See if it’s the right low-cost platform for your investing goals.
Elizabeth Anderson Oct 4, 2022
Barclays Smart Investor is an investment platform offered by Barclays Bank that offers a wide range of investments and accounts. Non-Barclays customers may find it complicated to open an account. Barclays is good value whether you are a beginner investor or have a large portfolio as its fees are, overall, very low.
Elizabeth Anderson Dec 5, 2023
Saxo review: Compare ISAs, fees, and trading tools. Discover if Saxo’s global platform is right for your investing goals today.
Elizabeth Anderson Oct 4, 2022
Compare eToro’s ISA fees, trading costs, social trading tools, and investment options. Read our review to decide if eToro is right for you.
Elizabeth Anderson Oct 4, 2022Select Brokers
↓×Compare
0 of 5| Overall Rating | Freetrade | XTB | |
|---|---|---|---|
| Overall Rating |
|
| |
| Charges & Fees |
|
| |
| Investment Choices |
|
| |
| Mobile App |
|
| |
| Website |
|
| |
| Ease of Use |
|
| |
| Education |
|
| |
| Review | Freetrade Review | XTB Review | |
| Winner | check_circle |
| Investments | Freetrade | XTB | |
|---|---|---|---|
| ISA | Yes | Yes | |
| SIPP | Yes | No | |
| Share Trading | Yes | Yes | |
| CFD Trading | No | Yes | |
| Mutual Funds | Yes | No | |
| ETFs | Yes | Yes | |
| Bonds - Corporate | No | No | |
| Bonds - Government (Gilts) | Yes | No | |
| Investment Trusts | Yes | No | |
| Spread Betting | No | No | |
| Crypto Trading | |||
| Advisor Services | No | No |
| Trading Fees | Freetrade | XTB | |
|---|---|---|---|
| Minimum Deposit | £1 | £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) | |||
| 12 trades per year (£30k portfolio) | |||
| 36 trades per year (£30k portfolio) | |||
| 120 trades per year (£30k portfolio) | |||
| 3 fund trades per year (£30k portfolio) | |||
| Annual Platform Fee (Funds): £0 - £250,000 | £59.88 | N/A | |
| Annual Platform Fee (Funds): £250K-£500K | £59.88 | N/A | |
| Annual Platform Fee (Funds): £500,000 - £1m | £59.88 | N/A | |
| Annual Platform Fee (Funds): £1m and over | £59.88 | N/A | |
| Bonds - Corporate - Fee | N/A | N/A | |
| Bonds - Government (Gilts) - Fee | £0 | N/A | |
| ETFs - Fee | £0 | £0 | |
| Investment Trusts - Fee | £0 | N/A | |
| Telephone Dealing Fee | N/A | N/A |
| Broker Screenshots | Freetrade | XTB | |
|---|---|---|---|
| Website Gallery (click to expand) | |||
| Mobile Trading Apps Gallery (click to expand) | |||
| Education Gallery (click to expand) |
| Platforms & Tools | Freetrade | XTB | |
|---|---|---|---|
| Web Platform | Yes | Yes | |
| iPhone App | Yes | Yes | |
| Android App | Yes | Yes | |
| Stock Alerts | Yes | No | |
| Charting - Indicators / Studies | 0 | 13 | |
| Charting - Drawing Tools | 0 | 4 | |
| Charting - Notes | No | Yes | |
| Charting - Display Corporate Events | No | Yes | |
| Charting - Stock Overlays | No | Yes | |
| Charting - Index Overlays | No | Yes |
| Research | Freetrade | XTB | |
|---|---|---|---|
| Research - Shares | No | Yes | |
| Research - CFDs | |||
| Research - Funds | No | No | |
| Fund Research - Research Reports | No | No | |
| Research - ETFs | No | Yes | |
| Research - Bonds | No | No | |
| Portfolio Allocation Breakdown | Yes | No |
| Education | Freetrade | XTB | |
|---|---|---|---|
| Education (Share Trading) | Yes | Yes | |
| Education (Funds) | Yes | No | |
| Education (Retirement) | Yes | No | |
| Client Webinars | No | No | |
| Client Webinars (Archived) | No | No |
| Overall Summary | Freetrade | XTB | |
|---|---|---|---|
| Overall Rating |
|
| |
| Charges & Fees |
|
| |
| Investment Choices |
|
| |
| Mobile App |
|
| |
| Website |
|
| |
| Ease of Use |
|
| |
| Education |
|
| |
| Review | Freetrade Review | XTB Review | |
| Winner | check_circle |