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Hapi 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 18, 2026

Key differences

Only Hapi is licensed by FINRA.
Only XTB is licensed by KNF, CNMV, ACPR, BaFin, CMVM, CySEC, FSC Belize, DFSA, and CMF (Chile).
Only Hapi supports PSE and Airtm for deposits and withdrawals.

Criterion	Hapi	XTB
Rating	4.3/5 on other platforms 24.5K ratings	4.5/5 on other platforms 186K ratings
Regulators	FINRA	KNF, CNMV, ACPR, BaFin, CMVM, CySEC, FSC Belize, DFSA, CMF (Chile)
Minimum deposit	No minimum	No minimum
Markets	US exchanges (NYSE, Nasdaq)	US exchanges (NYSE, Nasdaq)
Products	stocks, ETFs, fractional shares	stocks, ETFs, fractional shares
US stock or ETF order	$0.10 per order	€0 per order
Investor protection	SIPC	Protection of uninvested funds
Deposits and withdrawals	Visa / Mastercard, SPEI, Khipu, PSE +2	Visa / Mastercard, Bank transfer, PayPal
Available only in	Argentina, Brazil, Chile, Costa Rica, Colombia, El Salvador +11	Angola, Bermuda, Georgia, North Macedonia, Malaysia, Mauritania +40
Headquarters	United States	—
Currency conversion fee	—	0.5%
	Read review	Read review

What is the minimum deposit at Hapi and XTB?

Hapi: $0. XTB: $0.

Which regulators license Hapi and XTB?

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