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Trading 212 vs XTB 2025

StockBrokers.com

Written by StockBrokers.com

April 17, 2025

In this head to head comparison of Trading 212 vs XTB, we will compare the trading platforms, mobile apps, investment options, costs, market research, and more. Let's dive in.

Trading 212
4.5/5 Stars Overall
  • Minimum Deposit: £1
  • ISA: Yes
  • SIPP: No
XTB
4.5/5 Stars Overall
  • Minimum Deposit: £0
  • ISA: Yes
  • SIPP: No

Fees

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, Trading 212 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 - Trading 212 would cost £0 per year, while XTB would cost £0 per year.

12 trades per year - Trading 212 would cost £0 per year, while XTB would cost £0 per year.

36 trades per year - Trading 212 would cost £0 per year, while XTB would cost £0 per year.

120 trades per year - Trading 212 would cost £0 per year, while XTB would cost £0 per year.

3 fund trades per year - Trading 212 would cost £1 per year, while XTB would cost £0 per year.

query_stats 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.

Investment Choices

When comparing the investment choices offered by Trading 212 and XTB, both platforms provide opportunities for share trading, ETF trading, and CFD trading, which are popular among UK investors. However, neither broker offers crypto trading, spread betting, or funds trading. If you are keen on investing in investment trusts, Trading 212 is the platform to consider, as XTB does not provide this option. On the other hand, both brokers do not offer trading options for corporate or government bonds, nor do they offer advisory services.

In terms of ratings from UK.StockBrokers.com, Trading 212 and XTB both scored 4.5 stars for their investment choices, reflecting their competitive offerings. Despite this, their rankings among 21 brokers differ slightly, with Trading 212 positioned at #16 and XTB slightly ahead at #13. This suggests that while both brokers are quite similar in terms of investment options, XTB might have a slight edge in overall investment choice considerations for UK investors.

Feature Trading 212 logoTrading 212
XTB logoXTB
Share Trading info Yes Yes
CFD Trading info Yes Yes
ETFs info Yes Yes
Funds info No No
Bonds - Government (Gilts) info No No
Investment Trusts info Yes No
Spread Betting info No Yes
Crypto Trading info No No
Advisor Services info No No
Investment Choices 4.5/5 Stars 4.5/5 Stars

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4.5/5 Stars

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4.5/5 Stars

Professional’s Gateway to the World’s Markets.

Trading Tools

When comparing the trading tools of Trading 212 and XTB, UK investors will notice distinct features tailored to different trading preferences. XTB stands out with its ability to display corporate events like earnings, splits, and dividends directly on charts, a feature Trading 212 lacks. However, when it comes to chart customization, Trading 212 offers a more extensive selection of drawing tools and technical indicators, with 27 drawing tools compared to XTB's 20, and 106 technical indicators exceeding XTB's 39. Both platforms allow users to add notes to charts and provide browser-based trading platforms, accommodating various trading styles and preferences.

Both Trading 212 and XTB have limitations, such as the inability to add index or stock overlays to charts. Despite these constraints, both platforms manage to deliver essential features like real-time market data and the ability to create alerts for stock price updates, ensuring traders remain well-informed. Whether you value the detailed event tracking available with XTB or prefer the broader charting options from Trading 212, each platform provides tools geared towards enhancing your trading experience.

Feature Trading 212 logoTrading 212
XTB logoXTB
Web Platform info Yes Yes
Stock Alerts info Yes Yes
Charting - Indicators / Studies info 106 39
Charting - Drawing Tools info 27 20
Charting - Notes info Yes Yes
Charting - Display Corporate Events info No Yes
Charting - Stock Overlays info No No
Charting - Index Overlays info No No

ISAs and SIPPs

When comparing online brokers Trading 212 and XTB for UK investors seeking retirement account options, it's important to note that both offer Individual Savings Accounts (ISAs), providing a tax-efficient way to save and invest. However, neither Trading 212 nor XTB offers Self-Invested Personal Pension (SIPP) accounts, which may be a consideration for those looking to manage their pension savings directly. For investors focused on ISAs, both platforms could serve as viable options, but those in need of a SIPP will need to explore other brokers.

Dive deeper: Best SIPP Providers, Best Stocks and Shares ISA Providers.

Mobile App

When comparing the mobile offerings of online brokers Trading 212 and XTB for UK users, both provide apps for iPhone and Android devices, ensuring seamless accessibility on popular smartphone platforms. Trading 212 stands out with a perfect 5-star rating from UK.StockBrokers.com, earning it the #3 spot among 21 brokers for its mobile app. In contrast, XTB holds a commendable 4.5-star rating, placing it at #6. These rankings reflect Trading 212's slight edge in user satisfaction and performance, making it a preferred choice for those prioritizing top-tier mobile trading experiences.

Dive deeper: Best Stock Trading Apps UK.

Beginners and Education

When comparing the educational resources for beginner investors between Trading 212 and XTB, both offer solid educational content, but with some differences. Trading 212 provides learning materials on share trading and funds, while XTB focuses solely on share trading education and does not cover funds. Neither platform offers webinars, live or archived, nor do they cover retirement topics. According to UK.StockBrokers.com, Trading 212 earns a 4-star rating for beginner education, ranking 13th out of 21 brokers, while XTB slightly edges ahead with a 4.5-star rating, taking the 9th spot. UK investors seeking online trading education might consider these subtleties before choosing between the two brokers.

Feature Trading 212 logoTrading 212
XTB logoXTB
Client Webinars info No No
Client Webinars (Archived) info No No
Education (Share Trading) info Yes Yes
Education (Funds) info Yes No
Education (Retirement) info No No
Education 4/5 Stars 4.5/5 Stars

Dive deeper: Best UK Trading Platforms for Beginners.

Market Research

When considering online brokers for market research features, both Trading 212 and XTB offer useful tools for UK investors. Neither platform provides research reports specifically for funds or bonds, so if this is key for you, you might need to look elsewhere. However, both Trading 212 and XTB do allow users to view their portfolio allocation by asset class, which helps in understanding your investment distribution. In terms of investment research, both platforms cover shares, ETFs, and CFDs, giving you valuable insights for these assets. Unfortunately, for those interested in funds research, neither broker offers specific information on this front. Overall, Trading 212 and XTB are similarly equipped, each providing essential research tools for shares, ETFs, and CFDs, but lacking reports on funds and bonds.

Feature Trading 212 logoTrading 212
XTB logoXTB
Research - Shares info Yes Yes
Research - CFDs info Yes Yes
Research - ETFs info Yes Yes
Research - Bonds info No No
Research - Funds info No No
Fund Research - Research Reports info No No
Portfolio Allocation Breakdown info Yes Yes

Trading 212 vs XTB Winner

Which broker is better overall, Trading 212 or XTB? After collecting more than 900 data points over a 10-week period, we found Trading 212 to be a better trading platform overall.

Trading 212 offers commission-free share dealing and is a great option for those looking to simply execute share or ETF trades. Novice investors or those looking for more diversification through mutual funds may find better options elsewhere.

Feature Trading 212 logoTrading 212
XTB logoXTB
Overall Rating 4.5/5 Stars 4.5/5 Stars
Charges & Fees 5/5 Stars 5/5 Stars
Investment Choices 4.5/5 Stars 4.5/5 Stars
Mobile App 5/5 Stars 4.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 4.5/5 Stars
Education 4/5 Stars 4.5/5 Stars

FAQs

Can you trade cryptocurrency with Trading 212 or XTB?

Both Trading 212 and XTB do not offer crypto trading, making them comparable in this aspect for investors who are focusing on other financial instruments.

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Compare

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Overall Rating Trading 212 XTB
Overall Rating 4.5/5 Stars 4.5/5 Stars
Charges & Fees 5/5 Stars 5/5 Stars
Investment Choices 4.5/5 Stars 4.5/5 Stars
Mobile App 5/5 Stars 4.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 4.5/5 Stars
Education 4/5 Stars 4.5/5 Stars
Review Trading 212 Review XTB Review
Winner check_circle
Investments Trading 212 XTB
ISA info Yes Yes
SIPP info No No
Share Trading info Yes Yes
CFD Trading info Yes Yes
Funds info No No
ETFs info Yes Yes
Bonds - Corporate info No No
Bonds - Government (Gilts) info No No
Investment Trusts info Yes No
Spread Betting info No Yes
Crypto Trading info No No
Advisor Services info No No
Trading Fees Trading 212 XTB
Minimum Deposit info £1 £0
Share Trading: 0-9 Deals/ Month info £0 £0
Share Trading: 10-19 Deals/ Month info £0 £0
Share Trading: 20+ Deals/ Month info £0 £0
5 trades per year (£30k portfolio) info £0 £0
12 trades per year (£30k portfolio) info £0 £0
36 trades per year (£30k portfolio) info £0 £0
120 trades per year (£30k portfolio) info £0 £0
3 fund trades per year (£30k portfolio) info £0 N/A
Annual Custody Fee: £0 - £250,000 info £0 0
Annual Custody Fee: £250K-£500K info £0 0
Annual Custody Fee: £500,000 - £1m info £0 0
Annual Custody Fee: £1m and over info £0 0
Bonds - Corporate - Fee info N/A N/A
Bonds - Government (Gilts) - Fee info N/A N/A
ETFs - Fee info 0 £0
Investment Trusts - Fee info 0 N/A
Telephone Dealing Fee info N/A N/A
Broker Screenshots Trading 212 XTB
Website Gallery (click to expand)
Mobile Trading Apps Gallery (click to expand)
Education Gallery (click to expand)
Platforms & Tools Trading 212 XTB
Web Platform info Yes Yes
iPhone App info Yes Yes
Android App info Yes Yes
Stock Alerts info Yes Yes
Charting - Indicators / Studies info 106 39
Charting - Drawing Tools info 27 20
Charting - Notes info Yes Yes
Charting - Display Corporate Events info No Yes
Charting - Stock Overlays info No No
Charting - Index Overlays info No No
Research Trading 212 XTB
Research - Shares info Yes Yes
Research - CFDs info Yes Yes
Research - Funds info No No
Fund Research - Research Reports info No No
Research - ETFs info Yes Yes
Research - Bonds info No No
Portfolio Allocation Breakdown info Yes Yes
Education Trading 212 XTB
Education (Share Trading) info Yes Yes
Education (Funds) info Yes No
Education (Retirement) info No No
Client Webinars info No No
Client Webinars (Archived) info No No
Overall Summary Trading 212 XTB
Overall Rating 4.5/5 Stars 4.5/5 Stars
Charges & Fees 5/5 Stars 5/5 Stars
Investment Choices 4.5/5 Stars 4.5/5 Stars
Mobile App 5/5 Stars 4.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 4.5/5 Stars
Education 4/5 Stars 4.5/5 Stars
Review Trading 212 Review XTB Review
Winner check_circle
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