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Updated September 28, 2026 · VaultCue Editorial Team

Finom vs XTB

Finom scores 8.9 and XTB 9.3 out of 10. Compare their differences and shared features below.
Finom

Finom

8.9/10
Visit
XTB

XTB

Higher score in this comparison

9.3/10
Visit

What sets them apart

Finom vs XTB
CompareFinomFinomReviewVisitVisitXTBXTBReviewVisitVisit
Headline rate5%Higher4%
Rate typeFixedVariable
Minimum deposit€0£0
Deposit protectionEU DGS up to EUR 100,000FSCS up to GBP 85,000
Access termsInstant access, withdraw at any time with no withdrawal penaltiesInterest 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
Account kindCash managementEasy access

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • XTB scores higher overall: 9.3 vs 8.9.
  • Founded is lower at XTB: 2004 vs 2019.
  • XTB is licensed in 5 more countries.
  • Finom is available in 2 more countries.
  • Headline rate is higher at Finom: 5% vs 4%.
  • Support channels: only Finom offers Community.
  • Support channels: only XTB offers Phone.
  • Pricing model: only Finom offers Fixed rate.

Our verdict on each

Finom

Finom suits freelancers and small businesses that want a euro cash account with a set rate and instant access. A minimum deposit of €0 and local IBAN details make it easy to open, though the fixed rate will not follow the market and support runs on email, chat and help centre only.

Read the full Finom review

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.

Read the full XTB review

Score breakdown

Finom vs XTB
AreaFinomXTB
Cost9.3Costs sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%.9.3A monthly fee of £0 and a minimum deposit of £0 match the savings medians, and the 0.5% conversion fee matches the category median.
Offer9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.9.6The 4% rate beats the savings median of 3.08% but ranks 142 of 473, and it is variable.
Trust8.29.1Higher

Which one suits you

Pick Finom if headline rate matter most.

Pick XTB if trust matter most.

Licences and countries

Finom vs XTB
CountryFinomXTB
Cyprus
BelizeNot confirmed
NetherlandsNot confirmed
PolandNot confirmed
South AfricaNot confirmed
SpainNot confirmed
United Arab EmiratesNot confirmed
United KingdomNot confirmed

Available in 4 countries for both. Additional countries for Finom: 7. Additional countries for XTB: 5.

A third option

AU Small Finance Bank has headline rate at 6.75%, against 5% for Finom and 4% for XTB.

AU Small Finance Bank review

Sources behind this comparison

Finom

  • finom.co: 12 facts, 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

Finom vs XTB
FactFinomXTB
Pricing modelNo monthly fee, Fixed rateCovers moreNo monthly fee
Legal entityPNL Fintech B.V.XTB Limited
HeadquartersNetherlandsCyprus
Founded20192004Lower
Support channelsEmail, Chat, Help centre, CommunityEmail, Chat, Phone, Help centre

Everyday accounts

Finom vs XTB
FactFinomXTB
Currency conversion fee1%0.5%Lower
Currencies17Not confirmed
AudienceBusiness, FreelancerNot confirmed
FeaturesFree ATMNot confirmed
Local account detailsIBANNot confirmed
Free ATM withdrawals€10,000Not confirmed
Transfer feeFree outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro)Deposits free of XTB fee; withdrawals free above 100 EUR/USD, 10 EUR (or 10 USD) below

Where each stands against the rest

Finom vs XTB
FactFinomXTBMedian
Headline rate5%above the median4%above the median3.25%

Median across 659 listed accounts.

Pros and cons

Finom

Pros

  • The minimum deposit is €0, so an account can be opened without a large opening balance.
  • The transfer fee leaves outgoing SEPA transfers free on the Solo plan within a monthly limit.
  • Local IBAN details sit alongside 17 currencies, so one account can take payments in several currencies.

Cons

  • The interest rate is fixed, so it will not rise with the market while most savings accounts here are variable (79%).
  • The transfer fee for outgoing international payments is higher on the Solo plan than on the Pro plan.
  • Deposit protection is EU DGS up to EUR 100,000, so any balance above that cap sits outside the scheme.

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

Finom

Who it suits

  • Freelancers and sole traders who need local IBAN details and can move money the same day it arrives.
  • Small businesses paid in euros by clients abroad who want several currencies in one place.
  • Readers who want a set rate on working money rather than the highest variable rate on the table.

Who should look elsewhere

  • Anyone ranking purely on the headline figure, since Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%.
  • Variable rate savers, since 79% of the brands in this group pay a variable rate and the Finom rate is fixed.
  • Readers happy with a wallet and a smaller return, since PayPal Colombia lists 3.3%.

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

Finom

Current offer

  • Bonus

    Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000

    Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply

    Source, checked September 26, 2026

  • Free trial

    30-day trial on paid plans: 30 days

    Paid Basic and Smart plans, excl. VAT; paid monthly or yearly

    Source, checked September 26, 2026

  • First period offer

    3 months for free for partners customers only: 3 months free

    Customers introduced through the Finom Partner Program

    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

Finom vs XTB
CountryFinomXTB
AustriaYesNo
BelgiumYesNo
BelizeNoYes
ChileNoYes
FranceYesNo
IrelandYesNo
ItalyYesNo
NetherlandsYesNo

8 of 16 countries where either is available.

Questions about each

Finom

What does it cost to keep a Finom account?+

The monthly fee is €0 and the minimum deposit is €0, so there is no cost to holding a balance and no need for a large opening payment. The charge that matters is currency conversion at 1%, plus outgoing international payments, which cost more on the Solo plan than on the Pro plan.

Is my money protected if something goes wrong?+

Balances sit under the EU deposit guarantee scheme, with protection stated as EU DGS up to EUR 100,000. Finom is entered on the Dutch register as R180074 and on the Cypriot register as 456/25, so more than one supervisor is watching the business.

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

Finom

Visit

XTB

Visit