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Sarwa 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

XTB has the lower minimum deposit: $0, against $500.
Only Sarwa is licensed by FSRA (ADGM).
Only XTB is licensed by KNF, CNMV, ACPR, BaFin, CMVM, CySEC, FSC Belize, DFSA, and CMF (Chile).

Criterion	Sarwa	XTB
Rating	4.6/5 on other platforms 5.3K ratings	4.5/5 on other platforms 186K ratings
Regulators	FSRA (ADGM)	KNF, CNMV, ACPR, BaFin, CMVM, CySEC, FSC Belize, DFSA, CMF (Chile)
Minimum deposit	$500	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	0.25% of the order, minimum $1	€0 per order
Deposits and withdrawals	Bank transfer	Visa / Mastercard, Bank transfer, PayPal
Currency conversion fee	—	0.5%
Investor protection	—	Protection of uninvested funds
Available only in	—	Angola, Bermuda, Georgia, North Macedonia, Malaysia, Mauritania +40
	Read review	Read review

What is the minimum deposit at Sarwa and XTB?

Sarwa: $500. XTB: $0.

Which regulators license Sarwa and XTB?

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