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

Trying to choose between XTB and Coinzoom 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 19, 2025

XTB

Coinzoom

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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

Yes

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.

Coinzoom is ideal if:

Spendable Crypto – If you want to seamlessly use crypto for everyday purchases, CoinZoom’s Visa debit card lets you tap into digital assets at millions of merchants worldwide.
Simple Transfers – Ideal for users who value instant, fee-free peer-to-peer sending, CoinZoom’s ZoomMe enables quick transfers in crypto or fiat—no fuss, no hidden charges.
All-levels Access – Whether you're just getting started or consider yourself a seasoned trader, CoinZoom offers both a beginner-friendly interface and pro-level charting tools to match your pace.

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.

Coinzoom isn’t ideal if:

Limited asset variety – If you're looking for a platform with a vast selection of crypto tokens and trading pairs, CoinZoom’s offering may feel too narrow.
Basic trading tools only – Designed for everyday use, the exchange lacks advanced features like futures, derivatives, or deep order types that power traders might need.
Patchy customer support – Users report that support options are mainly email-based and may respond slowly, which can be frustrating when you need quick help.

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.

CoinZoom applies a tiered maker-taker model, with maker fees ranging approximately from 0.18 % to 0.36 % and taker fees around 0.22 % to 0.44 %, and users can unlock between 10 % to 50 % discounts if they hold the native ZOOM token at the time of trading.

Futures/Derivatives

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

CoinZoom does not currently support futures or derivative contracts, so there are no associated maker/taker or funding expenses to consider.

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.

The platform does not publish average spreads for major spot pairs, suggesting it operates with relatively tight, market-driven spreads — typical for mainstream spot exchanges without leveraged products.

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 fund accounts via wire, ACH (when available), debit or credit card, CoinZoom Cash, ZoomMe, and external wallets, with fees from none up to a small flat fee; processing ranges from immediate for cards to several business days for wire transfers.

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).

CoinZoom charges a fixed rate for Bitcoin withdrawals (about 0.0005 BTC), while other crypto networks likely follow similar static fee models—suggesting consistency rather than dynamic, network-dependent pricing.

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.

No inactivity or expedited verification fees are evident, but currency conversion and card use may carry implicit costs—such as trade or conversion margins—when interacting via Visa or debit-linked tools.

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.

If you purchase €500 worth of BTC, you’d only incur the spot maker or taker fee (based on order type and ZOOM holdings), plus an unquantified minimal spread, and then a fixed fee when withdrawing that BTC—without layering ad-hoc or shifting charges.

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.

CoinZoom supports a curated selection of approximately 28 to 40 cryptocurrencies, and over 100 total trading pairs—including both crypto-to-crypto and crypto-to-fiat markets—covering most top-volume assets without overwhelming breadth.

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.

You’ll find spot trading and margin trading (up to 5× leverage); no futures, perpetuals, options, or ETFs; limited staking (DASH, ALGO where permitted); plus value-added tools like crypto payment cards, ZoomMe transfers, and merchant services—but no copy-trading, grid bots, or automated DCA.

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.

Daily trading volume hovers in the lower-to-mid hundreds of thousands of dollars, and the BTC/USDT and ETH/USDT order books reflect modest depth—adequate for mid-sized trades but lacking the heavy liquidity of major global exchanges.

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.

CoinZoom offers advanced and simple trading modes, with order types such as limit, stop, market, and OCO supported; robust charting (100+ indicators) via its Advanced Web Trader; real-time order-flow and depth data; and full API/WebSocket access—though it does not integrate TradingView natively.

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.

Certain advanced offerings—like margin trading—may be unavailable in some jurisdictions (e.g. certain U.S. states), and the CoinZoom Visa card is currently limited to U.S. residents holding a specified amount of ZOOM tokens.

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.

CoinZoom offers its Prime rewards and ZOOM-token-based benefits, flexible merchant/p2p payment tools like ZoomMe, and CoinZoom Cash—but lacks features like launchpads or launchpools, and its staking is limited with less distinction between flexible vs. locked programs.

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.

CoinZoom, Inc., founded in 2018 and headquartered in Salt Lake City, Utah, is a U.S.-based Money Services Business registered with FinCEN and holds numerous state-level money transmitter licenses, as well as a Digital Currency Exchange license in Australia—reflecting a broad operational footprint across multiple jurisdictions.

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).

The platform is officially registered as a Virtual Asset Service Provider (VASP) with FinCEN in the U.S., and as of June 2025, it also holds a VASP license in Latvia, authorizing services across the EU under a framework aligned with MiCA regulations.

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.

CoinZoom safeguards assets using institutional-quality custodians, multi-signature and cold storage solutions, and holds a SOC 2 Type II certification—though there’s no visible proof-of-reserves or specific breakdown of cold vs. hot holdings.

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’s no mention of dedicated insurance or protected reserve funds for digital assets, suggesting that protection rests on custody security infrastructure rather than an explicit insurance policy.

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.

There have been no publicly reported hacks, service suspensions, asset freezes, or regulatory fines associated with CoinZoom, indicating a clean operational history to date.

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.

Users are protected through mandatory multi-factor authentication, account-level alerts, and secure account controls; institutional clients benefit from granular API permissions, although standard users may not yet access features like whitelisting or sub-account segregation.

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.

While CoinZoom maintains SOC 2 audit standards and regulatory licensing information, it does not currently provide public wallet addresses, regular financial transparency reports, or specific service-level uptime commitments.

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.

You can fund your account via ACH (currently paused), wire transfer, debit/credit card, CoinZoom Cash (in-store), ZoomMe, Apple/Google Pay, and external wallets; limits and hold periods vary by Prime level, with wires taking 2–3 business days to post and most other methods (like cards or CoinZoom Cash) allowing trading immediately but placing a hold before withdrawals.

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.

CoinZoom uses a tiered Prime system tied to ZOOM token holdings rather than traditional KYC tiers; higher Prime levels unlock higher deposit, spending, and withdrawal limits—but there’s no separate “basic” vs “advanced” KYC structure displayed.

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.

Crypto withdrawals to external wallets are generally unlimited for verified users and processed immediately; fiat withdrawals such as wire transfers can take 1–5 business days depending on method and Prime level, while instant debit-card options and ZoomMe transfers offer rapid access within preset Prime-tier restrictions.

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.

Support includes a Help Center with articles in both English and Spanish, live customer service available 24/7, and email/ticket response aimed within minutes during support hours (8 AM–5 PM MT); plus phone support for card issues—though response times may vary outside business hours.

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’s primary language is English, with a support knowledge base also available in Latin American Spanish; pricing and limits are displayed in USD, and localized services or regulatory details are tailored mainly to U.S. and select international regions.

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.

CoinZoom’s mobile and web apps are frequently updated (latest support articles indicate August 2025 updates), with no widespread reports of crashes or instability—suggesting a stable experience, though no explicit crash-rate stats or error frequencies are published.

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.

CoinZoom’s interface offers a gentle onboarding path for newcomers via a simplified Lite mode with quick, whole-dollar market buys, while Pro mode unlocks full charting, order book visibility, and advanced order types—creating a clear progression from straightforward to sophisticated trading within the same app layout.

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.

Trading on CoinZoom generally feels responsive during normal market conditions, though the system may occasionally exhibit slight latency under sudden volatility surges; order execution remains stable, and KYC verifications tend to process promptly, avoiding extended bottlenecks even when markets are hot. (Inferred from operational design and user feedback.)

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.

The platform provides helpful guided articles and technical-indicator explanations aimed at new users, but lacks structured learning formats like simulated trading, demo accounts, or Spanish-targeted academy modules—leaving room for more interactive or multilingual educational tools.

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.

CoinZoom maintains active social profiles across platforms like Telegram, Reddit, and YouTube for updates and engagement, and supports a referral program—though it doesn’t offer official forums or dedicated channels like Discord or fully featured community hubs.

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.

While the platform delivers rich in-house charting and API access, there’s no native support for TradingView, external trading bots, or tax/accounting tool integrations—making self-managed data exports the primary route for those needs.

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.

CoinZoom shines for casual users or beginner-to-mid-level traders who value intuitive design, direct spending capabilities, and streamlined buying; more active or professional traders seeking full bot integration, backtesting features, or international educational resources may want to consider other, more customizable platforms.