XTB vs Bybit: Fees, Security, Features & Which to Choose (2025)

Trying to choose between XTB and Bybit This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on August 18, 2025

XTB

Bybit

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Available Countries

United States

Europe

Yes

Latin America

Yes

India

China

Yes

Canada

United Kingdom

Yes

United States

Yes

Europe

Yes

Latin America

Yes

India

China

Canada

United Kingdom

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XTB is ideal if:

Beginners and hands-on learners will find XTB well-suited, thanks to its intuitive xStation platform and extensive educational tools designed to build confidence and trading skills.
Traders seeking a secure, transparent broker will appreciate that XTB is exchange-listed with strong regulation across multiple jurisdictions, ensuring accountability and trust.
Active traders looking for diverse assets can benefit from access to thousands of CFDs plus real stocks and ETFs, all within a modern, customizable environment built for efficiency.

Bybit is ideal if:

Advanced trading tools: Offers a sleek, user-friendly interface with features like conditional orders and charting tools that suit experienced traders looking for precision.
Wide asset selection: Supports a broad range of cryptocurrencies and derivatives, giving you flexibility whether you like spot trading or futures.
Strong security reputation: Prioritizes safety with industry-grade infrastructure and proactive risk management—great if security is a key concern for you.

XTB isn’t ideal if:

You prefer passive investing or long-term mutual funds, as XTB focuses on active CFD and Forex trading—not traditional mutual funds or bonds.
You want to automate or mirror trades, since XTB lacks features like copy trading or social trading capabilities.
Advanced pro traders needing extreme platform customization (e.g. strategy backtesting or Level II data) might find xStation’s tooling a bit limited.

Bybit isn’t ideal if:

New traders could feel overwhelmed: The platform’s advanced derivatives and leverage tools often present a steep learning curve for users just starting out.
Limited availability in some markets: If you're located in certain jurisdictions, you may not be able to access or fully use all features due to regulatory restrictions or regional bans.
Centralized security risks remain: Despite improvements, the record-breaking hack highlights inherent vulnerabilities in centralized exchanges—so those prioritizing decentralization or peace of mind may look elsewhere.

Fees & Total Costs

Spot Maker/Take

XTB doesn’t use a traditional maker/taker pricing model or native token discounts—instead, typical spot instruments are offered as CFDs, with costs embedded in floating spreads and without separate maker/taker fees or token-based rebates.

The spot market applies a tiered maker/taker structure where higher trading volumes unlock reduced fees—active traders benefit from sharper discounts as they climb VIP or Pro levels.

Futures/Derivatives

Futures or derivatives—like CFDs on commodities, indices, or crypto—don’t follow a maker/taker structure

Futures and perpetual contracts also use maker/taker pricing that improves with higher tiers, and include dynamic funding payments between long and short positions, which shift with market sentiment.

Average Spreads on Liquid Pairs

On crypto CFDs like Bitcoin and Ethereum, spreads are competitive—starting around 0.22% of the market price on liquid pairs such as BTC/USDT and ETH/USDT—and vary dynamically with market liquidity.

For high-liquidity pairs like BTC/USDT and ETH/USDT, spreads remain tight and competitive, ideal for minimizing slippage on larger trades.

Fiat Deposits & Withdrawals

Deposits via bank transfer, cards, and e-wallets (e.g. PayU, PayPal, Skrill) are generally free from XTB’s side; withdrawals above a certain amount are also free and processed quickly, while smaller withdrawals may incur a nominal fee.

Users can deposit or withdraw fiat through numerous local payment methods and gateways; each method displays its associated fee and processing time during the transaction—these vary by region and require identity verification.

On-chain Withdrawals

XTB doesn’t support direct on-chain cryptocurrency withdrawals—since trading is conducted via CFDs, there are no network-based crypto withdrawal fees (neither fixed nor variable).

Cryptocurrency withdrawals have fixed network-based fees per coin and chain, meaning the fee doesn’t scale with amount but adjusts based on current blockchain demand and congestion.

Hidden Costs

A modest currency conversion spread (around 0.5%) applies when trading in non-base currencies, and an inactivity fee may apply after prolonged dormancy, but there are no extra express KYC charges; overall, XTB emphasizes transparency in these miscellaneous costs.

Occasional indirect costs may include currency conversion charges from funding accounts denominated differently, potential inactivity penalizations over long dormant periods, and expedited identity checks for faster access, depending on account status.

Real-World Cost Example: “€500 BTC

For a €500 crypto-CFD purchase, you’d pay the spread embedded in the execution price (around 0.22%), and if you subsequently withdraw below the threshold, you might pay a small withdrawal fee—but there’s no separate trading commission or network fee, making it straightforward and relatively transparent.

When buying BTC worth €500, expect a blended cost that includes a spot trading spread, a tier-adjusted fee, and any subsequent withdrawal fee—altogether forming a practical view of the real expense beyond just the purchase price.

Crypto Offering & Trading Features

Number of Coins & Pairs

XTB offers just over 40 crypto CFDs—including 9 major coins like BTC, ETH, XRP, LTC, BCH, and additional crosses—though only a handful (such as BTC/USD, ETH/USD) comprise the top-liquid 20 by trading volume.

Bybit supports over 650 cryptocurrencies, offering a deep and diverse asset base; among the top-20 pairs by volume, you’ll typically find heavy hitters like BTC/USDT, ETH/USDT, SOL/USDT, and a rotating mix of high-liquidity altcoins tailored to market demand.

Product Range

XTB specializes in CFD-based crypto trading with spot-like long/short positions and modest leverage; it does not offer real crypto spot, perpetuals, options, ETFs, staking, lending, copy trading, bot strategies, or automated DCA features.

Bybit houses a comprehensive suite of offerings including spot, margin, perpetual and futures derivatives, options (for BTC, ETH, SOL), crypto loans, staking/Earn, P2P, copy trading, along with automated tools—such as grid bots and DCA strategies—and a Launchpad for new token projects.

Liquidity

While specific figures aren’t published, XTB provides competitive liquidity on its BTC and ETH CFDs—figures implied by tight, dynamic spreads and real-time execution suggest good 24-hour volume and depth, comparable with leading CFD brokers.

The platform consistently ranks among exchanges with high 24-hour volume, especially in BTC and ETH markets, ensuring strong book depth and tight pricing in core pairs—making it suitable for executing sizable trades with minimal slippage.

Tools

XTB’s xStation platform includes limit, stop-loss, OCO, and take-profit automation; custom alerts; rich charting with technical indicators; but no public API or native TradingView integration, in line with its updated platform focus.

Bybit equips users with an advanced framework: key order types (limit, stop, OCO), native alerts, robust charting w/ browser-based or TradingView-integrated tools, and a programmable interface via both REST API and WebSockets for full automation.

Geographic Restrictions by Product

Depending on jurisdiction, some instrument types (like crypto CFDs or leveraged products) may be restricted—for instance, XTB may disable crypto trading in regions where regulations don’t permit such derivatives.

Some products—particularly derivatives—are blocked in jurisdictions such as the United States, United Kingdom, Mainland China, Singapore, and Quebec, meaning access to futures and options may vary depending on your location.

Innovation

XTB does not feature crypto-native innovations like launchpads or launchpools, nor does it offer staking or earn products of any kind—its crypto offerings remain purely CFD-based with no yield-generating or token launch services.

Bybit continues to innovate through its Launchpad/Launchpool ecosystem, and its Earn segment features flexible and locked staking options, giving you the choice between liquidity or higher yield opportunities depending on your strategy.

Security, Regulation & Custody

Operating Entity & Jurisdiction

XTB is operated by XTB S.A., a publicly listed Polish joint-stock company founded in 2002 and headquartered in Warsaw, serving global clients across multiple licensed subsidiaries.

Bybit is run by Bybit Fintech Limited, established in 2018 and headquartered in Dubai, with a separate European arm (Bybit EU GmbH) based in Vienna to serve EEA users under EU regulation.

Licenses/Registration

It holds regulatory licenses from key authorities including Poland’s KNF, the UK’s FCA, and Cyprus’s CySEC, ensuring compliance across Europe, though it is not registered as a crypto-specific VASP (virtual asset service provider).

It holds a MiCA crypto-asset service provider license issued by Austria’s FMA for EU operations, along with additional authorizations in Cyprus, Kazakhstan, Georgia, and a provisional license in Dubai, reflecting its regulatory reach across multiple regions.

Custody

As a CFD broker, XTB does not hold or custody real cryptocurrencies—instead, all client trading is synthetic, so there’s no need for cold storage, external custodian, or proof-of-reserves protocols.

Bybit manages custody itself via Bybit EU as the custodian, using a mix of hot, warm, and cold omnibus wallets, segregating client funds from its own, and providing quarterly asset statements—with regular Proof of Reserves audits to bolster visibility.

Insurance & Protection Funds

Client funds are safeguarded through strict segregation and, in certain regions like the UK, fall under compensation schemes, but there’s no direct insurance policy specifically for crypto assets.

There is no mention of a dedicated insurance fund, but the firm emphasizes tiered offline wallet security protocols and regularly published reserves for user asset protection.

Incident History

XTB has experienced regulatory scrutiny (e.g., fines for pricing practices) but no major hack or crypto breach; a recent allegation of unauthorized client trading prompted immediate tightening of security controls.

In February 2025, Bybit suffered a record $1.4 billion hack—but restored liquidity within 72 hours through support from major trading firms—additionally, it faced fines and service suspensions in regions like India, Canada, and the UK following regulatory scrutiny.

Risk Controls

The platform supports robust risk measures including encrypted connections, mandatory two-factor authentication (2FA), multi-contact verification, and cybersecurity monitoring—though API whitelists or sub-accounts aren’t broadly offered.

Bybit protects accounts via mandatory 2FA, whitelist options, anti-phishing codes, support for sub-accounts, and and granular API permissions, alongside real-time behavioral monitoring and withdrawal safeguards.

Transparency

As a publicly traded entity, XTB publishes regular financial updates and reports; while there’s no public crypto wallet tracking or service-level-agreement metrics, overall operational transparency is solid.

The platform offers users periodic balance statements (at least once every three months), conducts public PoR audits, and operates under obligaciones de reporte for its EU entity—though there’s no public wallet viewer or explicit service-level SLA shared.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

XTB supports deposits via bank transfer, credit/debit cards, PayPal, Skrill, and Neteller (depending on your region); there’s no fixed minimum deposit set by the broker, card and e-wallet deposits are usually instant, while bank transfers can take from same day up to 2–5 business days depending on origin.

Bybit supports various fiat deposit methods—including bank transfers (like SEPA), cards, and e-wallets—with available options, limits, and processing times depending on your region and selected channel, all displayed during the deposit process.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

XTB requires full KYC completion—identity and bank verification—for live accounts; there’s no tiered “basic” or “advanced” structure openly published—all clients must verify identity to deposit or withdraw, with no anonymous access.

Bybit enforces tiered identity verification: unverified users face very tight limits (e.g., only €1 deposits on EU platform), while completing basic or advanced KYC dramatically expands deposit/withdrawal caps and feature access.

Withdrawals

Withdrawals go only to your verified bank account, and are free above thresholds like €50–100 depending on the entity; requests before local cut-off (~1 pm) are usually processed same-day (or next-day depending on entity), with processing time typically within 1 business day.

Fiat withdrawals require first depositing via the intended method; supported networks and limits vary by currency and method—USD via SWIFT has VIP and tenure prerequisites, while other currencies use local routes like PIX, SEPA, or bank transfers with processing dependent on region and method.

Customer Support

XTB offers 24/5 live chat, email support, and an extensive self-service help center via its Client Office; response times are typically efficient, backed by a well-organized knowledge base for common queries.

Bybit offers 24/7 live chat and email support across multiple languages, backed by a detailed Help Center; response times depend on issue complexity, but immediate help is usually available via real-time chat, and additional queries can be submitted through support tickets.

Languages & Localization

The platform is fully localized in Spanish, with fees and balances shown in Europe-centric currencies (€, £, $) depending on your region, and adheres to local regulatory frameworks across its European branches.

The platform supports multiple languages, including native Spanish, shows fees in local currencies like €, and adjusts deposit/withdrawal availability to comply with regional regulations and payment infrastructure.

App Quality & Stability

The xStation mobile app is stable and regularly updated across Android and iOS, offering dark mode, push alerts, Apple Watch support, and smooth performance with rare crashes—designed for reliable trading on the go.

The Bybit mobile app provides full trading functionality on the go; while generally stable, users occasionally report crashes or performance hiccups—most issues resolve via updates or cache refreshes, and the team actively maintains and improves app reliability.

Experience, Performance & Ecosystem

UX/UI

The xStation platform is praised for its intuitive design and fully customizable layout, enabling users to quickly personalize their workspace with different chart layouts and toolbars—though there’s no explicit “Lite” or “Pro” mode toggle; instead, functionality scales naturally as you explore deeper features.

Bybit offers both Lite and Pro modes, allowing beginners to start with a simplified interface while giving experienced traders access to customizable layouts, advanced charting, and modular widgets in the Pro mode to tailor their trading environment.

Performance

Execution is generally fast and stable, with xStation optimized for smooth performance even during active market conditions—though, as with any platform, extreme volumes may slow onboarding slightly, but no widespread order delays or KYC bottlenecks have been reported recently.

The platform is engineered for speed, with a high-capacity matching engine and low-latency execution, although users occasionally report slowness or brief app lag during extreme volatility—maintained performance relies on stable internet and recent app/browser versions.

Education

XTB excels in educational offerings with a robust Trading Academy featuring video courses and tiered modules (beginner/intermediate/advanced), a fully functional unlimited demo environment to practice with virtual funds, and frequent webinars; while much is available in English, key materials are also localized in Spanish.

Bybit offers a robust learning ecosystem through its “Bybit Learn” hub featuring guides, tutorials, and AI-powered strategy tools; while demo or simulator modes aren’t formally branded, the content—some available in Spanish—supports new traders across skill levels.

Community

XTB does not appear to host official Discord or Telegram communities, and while it maintains a trading referral program, its community engagement centers more on its webinars, market articles, and internal support channels rather than external forums or social chat groups.

The exchange supports active engagement through its Help Center, plus official Telegram and Discord communities; it also features referral programs and periodic trading competitions to energize and expand its user base.

Integrations

The platform does not natively integrate with TradingView or external bots, nor does it offer built-in tax or accounting tools—traders must rely on external services if they need direct charting or bookkeeping support.

Bybit integrates natively with TradingView charts and provides comprehensive REST and WebSocket APIs for external bots, tax tools, and reporting systems—making it highly compatible with automated trading and portfolio management tools.

Who Each One Is Best For

XTB works best for traders who value a sleek, beginner-friendly interface with strong educational backing, want a self-guided experience without external bots or social trading distractions, and prefer a platform where everything—from analytics to execution—is centralized and streamlined.

Bybit shines for active and professional traders who value fast execution, depth of tools, and advanced automation; more casual users or those seeking simple buy-and-hold functionality may find the feature-rich environment a bit overpowered for their needs.