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Trading 212 vs XTB 2025

StockBrokers.com

Written by StockBrokers.com

July 31, 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: £1
  • ISA: Yes
  • SIPP: No

Your capital is at risk.

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.

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

Trading 212 and XTB are two online brokers offering various investment choices, catering to UK investors interested in share trading, ETFs, and CFDs. While both platforms provide opportunities for share and CFD trading, neither offers crypto, funds, or bond trading options. Interested investors can trade ETFs with either broker; however, only Trading 212 supports investment trusts. Both brokers lack advisory services, simplifying the investment process for those who prefer self-directed trading.

Despite their common offerings, Trading 212 and XTB differ slightly in accessibility and rankings. Each broker holds a 4.5-star rating from UK.StockBrokers.com concerning investment choices, though XTB is ranked slightly higher at #13 compared to Trading 212's #16 among 21 brokers. This comparison highlights key features and offerings, allowing UK investors to make informed decisions based on their individual needs and preferences.

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

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Trading Tools

For UK traders comparing Trading 212 and XTB on trading tools, both provide a browser-based platform and real-time market data. Trading 212 supports price alerts and lets you add notes to charts, but it doesn’t display corporate events on charts and lacks index and stock overlays. The number of drawing tools and technical indicators for Trading 212 isn’t specified.

XTB shows corporate events (earnings, splits, dividends) on charts, supports index and stock overlays, and allows notes. It offers 4 drawing tools and 13 technical indicators, but doesn’t provide stock price alerts. If you want richer on-chart context and overlays, XTB stands out; if price alerts are essential, Trading 212 has the edge.

Feature Trading 212 logoTrading 212
XTB logoXTB
Web Platform info Yes Yes
Stock Alerts info Yes No
Charting - Indicators / Studies info 13
Charting - Drawing Tools info 4
Charting - Notes info Yes Yes
Charting - Display Corporate Events info No Yes
Charting - Stock Overlays info No Yes
Charting - Index Overlays info No Yes

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

Comparing Trading 212 and XTB for UK beginner investors: both online brokers provide clear share trading education but offer no live webinars, no on-demand webinar archives, and no content on funds or retirement. According to UK.StockBrokers.com, each earns 4.5 out of 5 for beginner education, though XTB ranks higher overall (#9 of 21) than Trading 212 (#13 of 21). For straightforward share trading learning, either platform suits; if you want webinars or guidance on funds and retirement, you’ll need another source.

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 No No
Education (Retirement) info No No
Education 4.5/5 Stars 4.5/5 Stars

Dive deeper: Best UK Trading Platforms for Beginners.

Market Research

Trading 212 vs XTB: For UK investors comparing market research tools, both brokers offer shares research and ETF research, but neither provides bonds research, fund research, or research reports on funds. A key difference is portfolio visibility—Trading 212 lets you see your portfolio allocation by asset class, while XTB does not. If seeing how your money is split across asset types matters to you, Trading 212 has the edge; otherwise, their stock and ETF insights are broadly similar.

Feature Trading 212 logoTrading 212
XTB logoXTB
Research - Shares 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 No

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 Stars 4.5/5 Stars
Ease of Use 5/5 Stars 4/5 Stars
Education 4.5/5 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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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 Stars 4.5/5 Stars
Ease of Use 5/5 Stars 4/5 Stars
Education 4.5/5 Stars 4.5/5 Stars
Review Trading 212 Review XTB Review
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Investments Trading 212 XTB
ISA info Yes Yes
SIPP info No No
Share Trading info Yes Yes
CFD Trading info Yes Yes
Mutual 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 No
Crypto Trading info
Advisor Services info No No
Trading Fees Trading 212 XTB
Minimum Deposit info £1 £1
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
12 trades per year (£30k portfolio) info
36 trades per year (£30k portfolio) info
120 trades per year (£30k portfolio) info
3 fund trades per year (£30k portfolio) info
Annual Platform Fee (Funds): £0 - £250,000 info £0 N/A
Annual Platform Fee (Funds): £250K-£500K info £0 N/A
Annual Platform Fee (Funds): £500,000 - £1m info £0 N/A
Annual Platform Fee (Funds): £1m and over info £0 N/A
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)
Home page of the Trading 212 website. Information screen for Tesla stock on the Trading 212 website. A chart of Tesla stock on the Trading 212 website. A chart of Tesla stock with an overlaid MACD indicator on the Trading 212 website. Purchasing shares of Tesla stock on the Trading 212 website. Order ticket confirmation page for purchasing Tesla stock on the Trading 212 website. Viewing the allocation of your portfolio on the Trading 212 website.
Home page of the XTB xStation 5 web app. A trade ticket for purchasing Tesla on the xStation 5 web app. An example commission cost for purchasing £350,000 worth of shares on the xStation 5 web app. Full view of the trade ticket pop-up dialog on the xStation 5 web app. Viewing a ESG rating chart for Persimmon stock on the xStation 5 web app. XTB UK xStation5 platform share trading news headlines. XTB UK xStation5 platform share trading charts. XTB UK xStation5 platform share trading ticket window. XTB UK xStation5 platform share trading markets. XTB UK xStation5 platform sentiment. XTB UK xStation5 platform share trading economic calendar. XTB UK xStation5 platform share trading heat map. XTB UK xStation5 dividend calendar. XTB UK client dashboard portal messages.
Mobile Trading Apps Gallery (click to expand)
Home page of the Trading 212 mobile app. Viewing Meta stock on the Trading 212 mobile app. The stock chart of Meta on the Trading 212 mobile app. Moving average indicator overlaid on the Meta stock chart in the Trading 212 mobile app. Searching for stocks on the Trading 212 mobile app. Available stock exchanges on the Trading 212 mobile app. An example order ticket on the Trading 212 mobile app. Purchasing shares of a S&P 500 Vanguard ETF on the Trading 212 mobile app. Choose a Pie, selecting a portfolio allocation, on the Trading 212 mobile app.
Home tab of the XTB mobile app. Viewing the stock chart of Tesla shares on the XTB mobile app. Viewing the Tesla stock chart and trade ticket in the XTB mobile app. Purchasing Tesla stock and viewing the trade ticket costs on the XTB mobile app. Viewing key financial information about Tesla shares on the XTB mobile app. The Discover tab on the XTB mobile app.
Education Gallery (click to expand)
Education tab on the XTB mobile app. XTB education. XTB UK xStation5 platform share trading educational video detail. XTB UK share trading research videos YouTube playlist detail. XTB UK share trading educational videos YouTube playlist.
Platforms & Tools Trading 212 XTB
Web Platform info Yes Yes
iPhone App info Yes Yes
Android App info Yes Yes
Stock Alerts info Yes No
Charting - Indicators / Studies info 13
Charting - Drawing Tools info 4
Charting - Notes info Yes Yes
Charting - Display Corporate Events info No Yes
Charting - Stock Overlays info No Yes
Charting - Index Overlays info No Yes
Research Trading 212 XTB
Research - Shares info Yes Yes
Research - CFDs info
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 No
Education Trading 212 XTB
Education (Share Trading) info Yes Yes
Education (Funds) info No 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 Stars 4.5/5 Stars
Ease of Use 5/5 Stars 4/5 Stars
Education 4.5/5 Stars 4.5/5 Stars
Review Trading 212 Review XTB Review
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