Compare brokers

Broksy Score

9.8

8.8

Cost

9.3

7.5

Taxes

10.0

10.0

IKE and IKZE

10.0

10.0

Markets and convenience

10.0

8.0

Safety

10.0

10.0

Total in the first year

60.00 zł

180.00 zł

Commissions

0.00 zł

168.00 zł

Currency conversion

60.00 zł

12.00 zł

Custody

0.00 zł

0.00 zł

Account fee

0.00 zł

0.00 zł

Key fees

XXTB

Commission: GPW, US, XETRA, LSE, EURONEXT, SIX

0% · with monthly turnover up to 100,000 EUR0.2%, min. 10 EUR · otherwise

Currency conversion: EUR, USD, GBP, CHF

0.5%

Custody

0.02% a year + on the part above 250,000 EUR · a month

Account maintenance

Free

Inactivity fee

10 EUR · a month

Withdrawal

Free

BMBM mBanku

Commission: GPW

0.39%, min. 5 zł

Commission: US, LSE, XETRA

0.29%, min. 14 zł

Currency conversion: EUR, USD, GBP

0.1%

Custody: GPW

Free · with a portfolio up to 500,000 zł2 × the KDPW fee, waived when commissions paid in the period are higher · a quarter · otherwise

Custody: GPW

Free · with a portfolio up to 5,000,000 zł2 × the KDPW fee, waived when commissions paid in the period are higher · a year · otherwise

Custody: US, LSE, XETRA

Free · with a portfolio up to 1,000,000 zł0.15% a year, reduced by commissions paid in the period · every six months · otherwise

Account maintenance

Free

IKE

Yes

Yes

IKZE

Yes

Yes

OKI(differs)

No

No data

Foreign shares and ETFs in IKE and IKZE

Yes

Yes

IKE fees no higher than on a regular account

Yes

Yes

Accepts IKE transfers in

Yes

Yes

PIT-8C from the broker

Yes

Yes

W-8BEN online

Yes

Yes

Tax treaty rate applied automatically(differs)

No data

Yes

Annual tax report

Yes

Yes

Trade export to a file

Yes

Yes

Tax documents in Polish

Yes

Yes

Company(differs)

XTB S.A.

mBank S.A.

Country

Poland

Poland

Founded(differs)

2004

1986

Licence

Komisja Nadzoru Finansowego

Komisja Nadzoru Finansowego

Investor protection

System rekompensat KDPW

System rekompensat KDPW

Protection limit

22,000.00 EUR

22,000.00 EUR

Licence type(differs)

Brokerage house

Bank

Polish branch or Polish jurisdiction

Yes

Yes

Investor compensation scheme

22,000.00 EUR

22,000.00 EUR

Cash deposit guarantee

Yes

Yes

Client assets segregated from the company's own

Yes

Yes

Listed or audited company

Yes

Yes

Years on the market(differs)

22Operating since 2004

40Operating since 1986

Two-factor login

Yes

Yes

GPW and NewConnect shares

Yes

Yes

US exchanges

Yes

Yes

European exchanges

Yes

Yes

Bonds(differs)

No data

Yes

ETFs on the GPW

Yes

Yes

Polish IPO subscriptions(differs)

No data

Yes

BLIK deposit(differs)

Yes

No data

Instant transfer

Yes

Yes

Account in złoty

Yes

Yes

Currency sub-accounts(differs)

Yes

No

Minimum deposit

0.00 zł

0.00 zł

Account opening fully online

Yes

Yes

Opening with a residence card (karta pobytu)(differs)

Yes

No

Opening without PESEL or with a non-EU passport(differs)

No data

No

Verification in Ukrainian, Russian or English(differs)

No data

No

Mobile and web app

Yes

Yes

App in Polish

Yes

Yes

Automatic regular plan(differs)

Yes

No data

Fractional shares and ETFs(differs)

Yes

No data

Order types

Yes

Yes

Contact channels(differs)

e-mail, telefon, czat

infolinia, e-mail, Punkt Usług Maklerskich (Warszawa)

Support hours(differs)

Obsługa konta 08:00–19:00; pomoc 24h/7 (czat)

pon.–pt. 8:00–18:00

Support in Polish

Yes

Yes

Support in Ukrainian, Russian or English(differs)

Yes

No

Complaints procedure

Yes

Yes

Interest on cash(differs)

1.4%

No data

Current promotions(differs)

No data

IKE eMakler i IKZE eMakler: do 500 zł premii

CFDs offered(differs)

Yes

No

Crypto(differs)

No

No data

Margin trading(differs)

No

No data

Demo account(differs)

Yes

No data

Learning materials(differs)

szkolenia i regularne spotkania online z analitykami XTB, kursy inwestowania

bezpłatne szkolenia online