Updated September 28, 2026 · VaultCue Editorial Team
Bit2Me vs XTB
XTB
Higher score in this comparison
Bit2Me
What sets them apart
| Compare | Bit2MeReviewSee alternativesSee alternatives | XTBReviewVisitVisit |
|---|---|---|
| Headline rate | 0.5% to 19.2%Higher | 4% |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Flexible: add or withdraw Earn balances anytime for most cryptoassets; the B2M Farming Pool requires a 12-month lock; rewards compound automatically | Interest on uninvested funds, calculated daily and paid monthly within five days of month end, no minimum or maximum balance, withdraw any amount to your bank account |
| Monthly fee | €0 | £0 |
| Minimum deposit | Not confirmed | £0 |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- XTB scores higher overall: 9.3 vs 8.8.
- Founded is lower at XTB: 2004 vs 2014.
- XTB is licensed in 6 more countries.
- Bit2Me is available in 20 more countries.
- Headline rate is higher at Bit2Me: 0.5% to 19.2% vs 4%.
- Support channels: only Bit2Me offers Community.
- Support channels: only XTB offers Email, Chat.
Our verdict on each
Bit2Me
Bit2Me suits crypto holders who want a high earn rate without a monthly charge, and who can live with a variable return plus a pool option that locks funds. The Earn account carries a monthly fee of €0, and balances sit under EU DGS up to EUR 100,000.
XTB
XTB suits savers who want their cash reachable at any moment, and traders who park money between deals. A 4% easy-access rate on uninvested funds, with support by email, chat and phone, makes it a practical holding pot for active investors rather than a rate chaser.
Score breakdown
| Area | Bit2Me | XTB |
|---|---|---|
| Cost | 9.1A monthly fee of €0 on Earn and Free between Bit2Me users via Bit2Me Pay between users, though converting currency costs 0.95%. | 9.3HigherA monthly fee of £0 and a minimum deposit of £0 match the savings medians, and the 0.5% conversion fee matches the category median. |
| Offer | 8.7 | 9.6HigherThe 4% rate beats the savings median of 3.08% but ranks 142 of 473, and it is variable. |
| Trust | 8.5 | 9.1Higher |
Availability and regulation
| Country | Bit2Me | XTB |
|---|---|---|
| Spain | CNMV (Comision Nacional del Mercado de Valores) Authorisation resolution of 28 July 2025 Banco de Espana 6947 Comision Nacional del Mercado de Valores (CNMV) MiCA CASP 9598007R5LSUJLGLS853 | |
| Belize | Not confirmed | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed | |
| South Africa | Not confirmed | |
| United Arab Emirates | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority (FCA) FRN 522157 |
Available in 4 countries for both. Additional countries for Bit2Me: 25. Additional countries for XTB: 5.
Which one suits you
Pick Bit2Me if headline rate matter most.
Pick XTB if offer and trust matter most.
A third option
Mercado Pago has headline rate at 105%, against 0.5% to 19.2% for Bit2Me and 4% for XTB.
Mercado Pago reviewSources behind this comparison
Bit2Me
- bit2me.com: 7 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- coingecko.com: 1 fact, checked September 26, 2026
- legal.bit2me.com: 1 fact, checked September 26, 2026
XTB
- xtb.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Bit2Me | XTB |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Bitcoinforme S.L. | XTB Limited |
| Headquarters | Spain | Cyprus |
| Founded | 2014 | 2004Lower |
| Support channels | Phone, Help centre, Community | Email, Chat, Phone, Help centre |
Everyday accounts
| Fact | Bit2Me | XTB |
|---|---|---|
| Currency conversion fee | 0.95% | 0.5%Lower |
| Currencies | 300 | Not confirmed |
| Features | Digital only | Not confirmed |
| Transfer fee | Free between Bit2Me users via Bit2Me Pay | Deposits free of XTB fee; withdrawals free above 100 EUR/USD, 10 EUR (or 10 USD) below |
Where each stands against the rest
| Fact | Bit2Me | XTB | Median |
|---|---|---|---|
| Headline rate | 0.5% to 19.2%highest quarter | 4%above the median | 3.25 |
| Minimum deposit | Not confirmed | £0below the median | £1 |
Median across 659 listed accounts.
Pros and cons
Bit2Me
Pros
- A monthly fee of €0 means the Earn account costs nothing to keep open month to month.
- Rewards run 0.5% to 19.2%, above the 24.19% listed by Plazo ES and the 21.59% listed by AXI Card Tarjeta y Credito.
- Balances sit under EU DGS up to EUR 100,000, and the firm is listed with Banco de Espana under 6947.
Cons
- The rate is variable, so the return can drop and there is no fixed figure to plan around.
- The Farming Pool locks deposits for a set period, which suits only money that can stay untouched.
- Service is digital only, so everything runs through the app and the site with no branch counter.
XTB
Pros
- The easy access account pays 4% on uninvested funds, with interest calculated daily and paid monthly, and any amount withdrawn straight to a bank account.
- Running costs sit at the floor: a monthly fee of £0 and a minimum deposit of £0 on the easy access account.
- The 4% rate is above the savings median of 3.08% and higher than PayPal Colombia's 3.3%.
Cons
- On the headline rate the account ranks 142 of 473 brands, well behind AXI Card Tarjeta y Credito at 21.59% and Plazo ES at 24.19%.
- The rate is variable, so what a balance earns can shift over the months it sits there.
- Withdrawals below a set threshold carry a flat XTB fee, which matters for anyone moving money out in small bites.
Who each suits
Bit2Me
Who it suits
- Crypto holders in the EU who want a high earn rate with nothing taken monthly, and who are comfortable with a variable return.
- People who pass money between Bit2Me users, since that transfer is Free between Bit2Me users via Bit2Me Pay.
- Savers who value the protection of EU DGS up to EUR 100,000 and hold most of their balance in crypto.
Who should look elsewhere
- Anyone chasing a fixed rate: Plazo ES lists 24.19%, while the Bit2Me rate is variable and can move.
- People after a card relationship rather than a crypto earn balance: AXI Card Tarjeta y Credito lists 21.59%, and Bit2Me is digital only.
- Those wanting a simple single market balance: PayPal Colombia lists 3.3%, while Bit2Me spans 300 assets.
XTB
Who it suits
- Traders and investors who leave cash uninvested inside a brokerage wallet, since interest is calculated daily, paid monthly and any amount can be moved to a bank account.
- Savers who put access and running cost ahead of the top rate, given that the 4% rate ranks 142 of 473 while the £0 minimum deposit ranks 1 of 370.
- UK residents who want regulated oversight alongside a cash balance, holding both the FRN 522157 and MiCA CASP 259400HM2TR4U3LF5D43 registrations in view.
Who should look elsewhere
- Savings hunters sorting purely on the headline number: Plazo ES shows 24.19% and AXI Card Tarjeta y Credito 21.59%, both well ahead of the 4% here.
- Anyone who wants a return locked for a set term, because the rate here is variable and moves with the market.
Current offers
Bit2Me
Current offer
Bonus
Open your account now and receive 15€: 15 EUR
Register on the platform via the campaign link up.bit2me.com/bannerhome15
Source, checked September 26, 2026
Bonus
Space Center: up to +23.1% extra APY on Earn: Up to +23.1% APY
Boost applies automatically at the current Space Center level (7 levels, 6% to 23% shown)
Source, checked September 26, 2026
XTB
Current offer
Free trial
Free training account: Free
Test your investing strategies and experience the market without risking your own capital
Source, checked September 26, 2026
Country by country
| Country | Bit2Me | XTB |
|---|---|---|
| Argentina | Yes | No |
| Austria | Yes | No |
| Belgium | Yes | No |
| Belize | No | Yes |
| Brazil | Yes | No |
| Bulgaria | Yes | No |
| Chile | No | Yes |
| Croatia | Yes | No |
8 of 34 countries where either is available.
Questions about each
Bit2Me
What does Bit2Me Earn cost to hold?+
The Earn account has a monthly fee of €0, so nothing is taken out each month while the balance sits there. Converting currency is the main charge, at 0.95%. Moving balance to another Bit2Me user is also free, Free between Bit2Me users via Bit2Me Pay.
What rate will I earn and can it change?+
The listed range runs 0.5% to 19.2%, and the rate type is variable, so the return can move rather than staying fixed for a term. The figure you get depends on the asset held and on market conditions at the time.
XTB
What does it cost to keep uninvested cash at XTB?+
The monthly fee on the easy access account is £0, and the account runs on a no monthly fee model, so there is no standing charge for holding funds. Deposits are free of XTB fees. Currency conversion runs at 0.5%, matching the savings median of 0.5%.
Is my money protected if the firm fails?+
Deposit protection is listed as FSCS up to GBP 85,000, so anything held above that figure sits outside the scheme. The firm is authorised in the UK by the Financial Conduct Authority under FRN 522157 and registered in Cyprus with the Cyprus Securities and Exchange Commission under MiCA CASP 259400HM2TR4U3LF5D43.
Other options to compare
Other matchups
Related by the facts
XTB
Bit2Me