Updated October 17, 2026 · HodlCue Editorial Team
Robinhood vs XTB
Robinhood
XTB
Higher score in this comparison
Where Robinhood and XTB differ
| Compare | RobinhoodReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Coins listed | 90Higher | 45 |
| Regulators | Bank of Lithuania, Bank of Lithuania (LSC), LT BL, SIPC | Cyprus Securities and Exchange Commission (CySEC) |
| Fiat deposit methods | SEPA, BankCovers more | Bank |
| Withdrawal fee | No Robinhood fee; network fees apply | Free above 100 USD/EUR |
| Taker fee | Not confirmed | 0% |
| Maker fee | Not confirmed | 0% |
| Proof of reserves | Yes | Not confirmed |
Same on both: Derivatives (Yes), Exchange type (Cex).
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Key differences
- XTB scores higher overall: 9.5 vs 9.4.
- Regulators: only Robinhood offers Bank of Lithuania, Bank of Lithuania (LSC), LT BL.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC).
- Robinhood is licensed in 1 more country.
- Coins listed is higher at Robinhood: 90 vs 45.
- Fiat deposit methods: only Robinhood offers SEPA.
- Support channels: only XTB offers Chat, Phone.
- Features: only Robinhood offers Staking.
Our verdict on each
Robinhood
Robinhood is a custodial exchange with a narrower coin list than most rivals, at 90, but it pairs MiCA and Bank of Lithuania licences with SIPC membership and published proof of reserves. It suits first-time buyers who want buying, staking and derivatives in the same account.
XTB
XTB provides access to FX, indices, shares, commodities and crypto through an app based trading platform with market research and education. For investors who want many CFD and securities markets in one place with manager support, it offers a focused trading home.
Score breakdown
| Area | Robinhood | XTB |
|---|---|---|
| Cost | Not confirmed | 9.2 |
| Offer | 9.1Staking and derivatives sit alongside a 90 coin list, with custody and sepa and bank funding in the same account. | 9.9Higher |
| Trust | 9.5 | Not confirmed |
Availability and regulation
| Country | Robinhood | XTB |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Lithuania | Bank of Lithuania (LSC) MiCA CASP 254900GTP4UXQO1UMI36 LT_BL PSD_PI 306377915 | Not confirmed |
| United States | SIPC SIPC member 69916 | Not confirmed |
Where they rank in our lists
| Ranking | Robinhood | XTB |
|---|---|---|
| Crypto futures exchanges | 7 of 78 | 2 of 78 |
A third option
eToro has coins listed at 150, against 90 for Robinhood and 45 for XTB.
eToro reviewWhere these facts come from
Robinhood
- robinhood.com: 8 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- defillama.com: 1 fact, checked September 26, 2026
XTB
- xtb.com: 9 facts, checked September 26, 2026
- esma.europa.eu: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | Robinhood | XTB |
|---|---|---|
| Features | Custodial, StakingCovers more | Custodial |
| Legal entity | Robinhood Europe UAB | XTB Limited |
| Headquarters | Lithuania | Cyprus |
| Support channels | Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Robinhood | XTB | Median |
|---|---|---|---|
| Taker fee | Not confirmed | 0%lowest quarter | 0.15% |
| Coins listed | 90above the median | 45below the median | 76 |
| Maker fee | Not confirmed | 0%below the median | 0.1% |
Median across 219 listed providers.
Pros and cons
Robinhood
Pros
- Custodial account with staking built in, listed under custodial and staking
- Fiat deposits run through sepa and bank, so funding stays in euros
- Regulated by Bank of Lithuania, Bank of Lithuania (LSC) and LT BL across Lithuania and the US
Cons
- The coin list of 90 is thin beside from 650 and from 350
- Support runs on email and help centre only, with no phone line
- Custody is not offered, so coins cannot be moved to your own wallet
XTB
Pros
- Access to more than 2100 markets across FX, indices, shares and commodities
- More than 2700 instruments plus thousands of CFD opportunities in one app
- Built in news alerts, courses and research tools support market decisions
Cons
- Focus stays on FX and CFD trading rather than wider everyday banking
- Choice is structured around three account types with manager support
Who each suits
Robinhood
Who it suits
- EU first-time buyers who want custody and staking in a single account
- Investors who want derivatives on the same platform as spot trading
- Anyone who puts weight on published proof of reserves
Who should look elsewhere
- Bitpanda, for buyers who want a much longer coin list
- bunq, for anyone who wants a bank app with self-custody
- ActivTrades, for traders who only care about derivatives
XTB
Who it suits
- Traders interested in FX, indices and shares
- Investors wanting crypto alongside traditional markets
- Learners valuing courses and market research tools
Who should look elsewhere
- People seeking everyday banking services
Current offers
Robinhood
Current offer
Bonus
Sign-up reward: EUR 10 or more in crypto: EUR 10 or more in crypto
Sign up, get approved and meet minimum deposit; hold cash value 180 days; limited jurisdictions
Source, checked September 26, 2026
Questions about each
Robinhood
How many coins can I trade on Robinhood?+
The list covers 90 assets, which is modest for a crypto exchange. Buyers who want deeper altcoin coverage will find more elsewhere, so the size of the list is the first thing to check against your own plans.
Is Robinhood regulated in Europe?+
Yes. The operating entity is Robinhood Europe UAB, and Bank of Lithuania, Bank of Lithuania (LSC) and LT BL names its supervisors. The crypto side runs under a MiCA licence, MiCA CASP 254900GTP4UXQO1UMI36, and the payments side under PSD_PI 306377915.
XTB
What markets does XTB cover?+
XTB covers FX, indices, shares, commodities and crypto through its trading platform. The range includes more than 2100 financial markets and thousands of CFD instruments. Securities from the EU and USA sit within the wider selection.
Who is XTB suited for?+
XTB suits people interested in FX and CFD trading across global markets. It also suits investors who want crypto assets held alongside other investments. Learners who value courses and research tools may find the approach helpful.