Pepperstonevs
XTBCrypto Exchange Comparison
Pepperstone and XTB compete as CFD crypto brokers with strong regulation. The tension centers on platform depth and coin selection.
Our Verdict
XTB winsby 0.2 pts
XTB edges Pepperstone on the overall editorial score (4.2 vs 4.0), underpinned by stronger platforms and a broader crypto offering, though both remain CFD-only, regulated brokers.
No commercial relationship. The verdict and scores are entirely editorial. No payment influences this comparison.
Key Differences
- 1Coin coverage: Pepperstone 30+ vs XTB 50+ crypto CFDs.
- 2Platform mix: Pepperstone uses MT4/MT5 and cTrader; XTB uses xStation 5.
- 3Inactivity fees: Pepperstone has no inactivity fee; XTB charges after 12 months.
Who should choose Pepperstone vs XTB?
Find out which crypto exchange best suits your trading profile.
Choose Pepperstone if…
Choose Pepperstone if you want 30+ crypto CFDs across MT4, MT5, cTrader and TradingView, backed by FCA and ASIC regulation with segregated client funds. It also offers tighter crypto spreads relative to many market-makers and waives inactivity fees, supported by 24/5 customer service.
Choose XTB if…
Choose XTB if you value 50+ crypto CFDs on a proprietary xStation 5 platform, supported by KNF, FCA and CySEC oversight. You gain no minimum deposit and competitive variable spreads, plus strong education from XTB Academy.
Verdict by Trader Profile
Which exchange wins for each type of crypto trader, based on security, fees, coin selection, and editorial scoring.
Best for security
It’s a tie
Both equally suited
Pepperstone wins for security with broader regulators and segregated client funds.
Best for low fees
Recommended
Pepperstone vs XTB: Side-by-Side Crypto Exchange Comparison
| Criteria |  Pepperstone |  XTB |
|---|---|---|
| Editorial score | 4.0/ 5 | 4.2/ 5 |
| Min Deposit | No minimum | No minimum |
| Spreads From | 0 pips▼ lower | 0.8 pips |
| Taker Fee | 7.00% | N/A |
Pepperstone vs XTB Crypto Exchange Pros & Cons
Pros
- 30+ crypto CFDs tradeable across MT4, MT5, cTrader, and TradingView
- FCA and ASIC regulation with segregated client funds
- Tighter crypto spreads than typical market-maker forex brokers
- No inactivity fee; 24/5 customer support with strong user ratings
Cons
- No real crypto ownership, staking, or self-custody withdrawals
Pepperstone vs XTB: Detailed Category Breakdown
A closer look at the specific criteria each exchange meets or misses within each scoring category.
1
Pepperstone
criteria win
0
XTB
criteria wins
Highlighted rows show where the two exchanges differ
| Criteria | Pepperstone | XTB |
|---|---|---|
| Security | ||
| Cold storage for assets | Fail | Fail |
| Proof of reserves published | Fail | Fail |
| Segregated client funds | Pass | Pass |
| Top-tier regulator (FCA, ASIC, etc.) | Pass | Pass |
| Fees | ||
| No deposit fee | Pass | Pass |
| No inactivity fee | Pass | Fail |
| Transparent pricing page | Pass | Pass |
| Features | ||
| Staking available | Fail | Fail |
| DeFi integration | Fail | Fail |
| NFT trading | Fail | Fail |
| 500+ coins listed | Fail | Fail |
| Support | ||
| Mobile app | Pass | Pass |
| 24/5 live chat | Pass | Pass |
| Phone support | Fail | Fail |
Pepperstone vs XTB: Frequently Asked Questions
The scores are close: Pepperstone rates 4/5 and XTB rates 4.2/5. XTB has a marginal edge in our scoring, but the difference is small enough that your specific priorities — fees, platforms, or regulatory jurisdiction — should guide the final choice.
Pepperstone lists a lower spread from 0, compared with XTB's 0.8. Crypto trading costs are typically quoted as a percentage of the trade value; check each exchange's full fee schedule, as maker/taker rates and volume discounts vary.
Neither Pepperstone nor XTB requires a minimum deposit, making both accessible regardless of starting capital.
Both Pepperstone and XTB hold licences from top-tier regulators, indicating a high standard of regulatory oversight. Check each exchange's specific regulatory bodies to confirm coverage in your jurisdiction.
For beginners, both exchanges provide negative balance protection. Also compare demo account availability and educational resources on each exchange's site before deciding.
Pepperstone offers up to 2:1 on perpetual or margin products, versus XTB's 2:1 cap. Margin and futures trading carry higher risk than spot crypto; confirm product availability and jurisdiction-specific limits on each exchange's website.
Pepperstone charges $7 per trade on commission-based accounts. Commission details for XTB are not currently available. Check their website for up-to-date pricing. Crypto fees are typically quoted as maker/taker rates rather than fixed per-trade commissions; check each exchange's fee schedule for volume-based discounts.
Pepperstone supports cTrader, IRESS, MetaTrader 5, TradingView, MetaTrader 4, while XTB supports xStation 5, MetaTrader 4. Both provide MetaTrader 4. Pepperstone has exclusive access to cTrader and IRESS and MetaTrader 5 and TradingView. XTB has exclusive access to xStation 5.
Pepperstone scores better on fee criteria (no deposit fee, no inactivity fee). Always check both exchanges' current fee schedules, as maker/taker rates and withdrawal fees vary and are subject to change.
