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Freedom24 vs XTB: fees, markets and protection

Facts for both companies from their official pages; each was checked on the date shown in its review.

Facts verified on October 28, 2026

Key differences

Only XTB is licensed by KNF, CNMV, ACPR, BaFin, CMVM, FSC Belize, DFSA, and CMF (Chile).
Only Freedom24 supports Visa / Mastercard for deposits and withdrawals.

Criterion	Freedom24	XTB
Rating	4.1/5 on other platforms 5.8K ratings	4.5/5 on other platforms 186K ratings
Regulators	CySEC	KNF, CNMV, ACPR, BaFin, CMVM, CySEC, FSC Belize, DFSA, CMF (Chile)
Markets	US exchanges (NYSE, Nasdaq)	US exchanges (NYSE, Nasdaq)
Products	stocks, ETFs, bonds, options	stocks, ETFs, fractional shares
US stock or ETF order	$2 per order, $0.02 per share	€0 per order
Investor protection	Investor Compensation Fund (ICF)	Protection of uninvested funds
Deposits and withdrawals	Bank transfer, Visa / Mastercard	Visa / Mastercard, Bank transfer, PayPal
Founded	2013	—
Headquarters	Cyprus	—
Minimum deposit	—	No minimum
Currency conversion fee	—	0.5%
Available only in	—	Angola, Bermuda, Georgia, North Macedonia, Malaysia, Mauritania +40
	Read review	Read review

Which regulators license Freedom24 and XTB?

Freedom24 is licensed by CySEC; XTB by KNF, CNMV, ACPR, BaFin, CMVM, CySEC, FSC Belize, DFSA, and CMF (Chile).