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Racional 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 Racional lists Santiago Stock Exchange (Bolsa de Santiago).
Only XTB is licensed by KNF, CNMV, ACPR, BaFin, CMVM, CySEC, FSC Belize, and DFSA.

Criterion	Racional	XTB
Rating	3.8/5 on other platforms 2.3K ratings	4.5/5 on other platforms 186K ratings
Regulators	CMF (Chile)	KNF, CNMV, ACPR, BaFin, CMVM, CySEC, FSC Belize, DFSA, CMF (Chile)
Minimum deposit	CLP 5,000	No minimum
Markets	US exchanges (NYSE, Nasdaq), Santiago Stock Exchange (Bolsa de Santiago)	US exchanges (NYSE, Nasdaq)
Products	stocks, ETFs, fractional shares	stocks, ETFs, fractional shares
US stock or ETF order	$0 per order	€0 per order
Currency conversion fee	0.99%	0.5%
Investor protection	SIPC	Protection of uninvested funds
Deposits and withdrawals	Khipu, Bank transfer	Visa / Mastercard, Bank transfer, PayPal
Available only in	Chile	Angola, Bermuda, Georgia, North Macedonia, Malaysia, Mauritania +40
Founded	2018	—
Headquarters	Chile	—
	Read review	Read review

What is the minimum deposit at Racional and XTB?

Racional: CLP 5,000. XTB: $0.

Which regulators license Racional and XTB?

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