In this comparison, FXTM and XTB clash on trust, regulation, platform power, and cost. The axis of tension centers on who delivers stronger regulation and superior trading technology.
XTB edges FXTM on the editorial score (4.5 vs 4.2). This reflects stronger Trust & Regulation, Platforms & Tools, and Fees & Spreads.
Which broker wins for each type of trader, based on costs, safety, platforms, and editorial scoring.
XTB offers tighter spreads from 0.80 pips vs 1.50 pips for FXTM, reducing trading costs.
| Editorial score | 4.2/ 5 | 4.5/ 5 |
|---|---|---|
| Score Breakdown | ||
Trust & Regulation 40% weight | 4.2 / 5 | 4.8 / 5▲ |
Pros
Low $10 minimum deposit on Micro accounts
Strong copy trading via FXTM Invest platform
Extensive education, webinars, video courses, and market analysis
Multilingual support in 20+ languages
Regulated by top-tier authorities (FCA, ASIC, CySEC)
A closer look at the specific criteria each broker meets or misses within each scoring category.
| Criteria | FXTM | XTB |
|---|---|---|
| Trust & Regulation | ||
| Top-tier regulator (FCA, ASIC, CFTC, etc.) | Pass | Pass |
| Segregated client funds | Pass | Pass |
| Negative balance protection | Pass | Pass |
| Compensation scheme (e.g. FSCS) | Pass | Pass |
| Fees & Spreads | ||
| Raw/ECN spreads available | Pass | Fail |
| No deposit fee | Pass | Pass |
| No inactivity fee | Pass | Fail |
| Transparent pricing page | Pass | Pass |
| Platforms & Tools | ||
| MT4/MT5 available | Pass | Pass |
| Proprietary platform | Fail | Pass |
| Mobile app | Pass | Pass |
| Advanced charting tools | Fail | Pass |
| Customer Support | ||
| 24/5 live chat | Pass | Pass |
| Phone support | Pass | Pass |
| Multilingual support | Pass | Pass |
The scores are close: FXTM rates 4.2/5 and XTB rates 4.5/5. 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.
XTB starts from 0.8 pips, tighter than FXTM's 1.5 pips. Tighter spreads lower the cost per trade, which matters most for high-frequency and scalping strategies.
XTB has no minimum deposit, while FXTM requires at least $10. This makes XTB more accessible for traders with limited starting capital.
Both FXTM and XTB hold licences from top-tier regulators, indicating a high standard of regulatory oversight. Check each broker's specific regulatory bodies to confirm coverage in your jurisdiction.
For beginners, two factors stand out: XTB has no minimum deposit, removing the capital barrier entirely, and both brokers provide negative balance protection. Also compare demo account availability and educational resources before deciding.
FXTM lists maximum leverage of 1000:1, while XTB lists up to 500:1. Available leverage depends on your jurisdiction. EU retail clients under ESMA rules are capped at 1:30 on major forex pairs.
FXTM supports MetaTrader 5, MetaTrader 4, while XTB supports xStation 5, MetaTrader 4. Both provide MetaTrader 4. FXTM has exclusive access to MetaTrader 5. XTB has exclusive access to xStation 5.
XTB wins for safety & regulation due to FCA, CySEC, and KNF oversight.
XTB wins as it combines a proprietary platform with advanced charting and broad instrument access.
FXTM is better suited for scalpers: raw/ECN spreads available.
XTB wins with the proprietary xStation 5 plus MT4/MT5 availability.
FXTM wins for beginners due to low $10 deposit and strong educational resources.
Fees & Spreads 30% weight | 3.9 / 5 | 4.4 / 5▲ |
|---|
Platforms & Tools 20% weight | 4.0 / 5 | 4.8 / 5▲ |
|---|
Customer Support 10% weight | 4.3 / 5▲ | 4.2 / 5 |
|---|
| Founded | 2011 | 2002 |
|---|
| Headquarters | Limassol, Cyprus | Warsaw, Poland |
|---|
| Min Deposit | $10 | No minimum▼ lower |
|---|
| Spreads From | 1.5 pips | 0.8 pips▼ lower |
|---|
| Commission / lot | N/A | N/A |
|---|
| Max Leverage | 1,000:1 | 500:1▲ higher |
|---|
| Inactivity Fee | None | €10/month (after 12 months) |
|---|
| Deposit Fee | Free | Free |
|---|
| Deposit methods | Bank transferCredit cardDebit cardSkrillNetellerFasaPay | Bank transferCredit cardDebit cardSkrillNeteller |
|---|
| Withdrawal methods | Bank transferCredit cardSkrillNetellerFasaPay | Bank transferCredit cardSkrillNeteller |
|---|
| Withdrawal Fee | Free | Free |
|---|
| Regulators | FCA FSCA CySEC FSC | FCA CySEC KNF |
|---|
| Platforms | MetaTrader 5 MetaTrader 4 | xStation 5 MetaTrader 4 |
|---|
| Active bonuses |
|---|
Client funds held in segregated accounts
Negative balance protection
Investor compensation scheme coverage
Raw spread account available
No deposit fees
No inactivity fee
MetaTrader 4 and MetaTrader 5 supported
Mobile trading app available
Transparent pricing with clear cost disclosure
24/5 live chat support
Phone support available
Pros
LSE- and WSE-listed with FCA, CySEC, and KNF regulation, exceptional corporate transparency
xStation 5 is one of the best proprietary platforms in retail forex
Zero-commission stock CFDs up to EUR 100,000/month
No minimum deposit on standard accounts
Client funds held in segregated accounts
Negative balance protection
Investor compensation scheme coverage
No deposit fees
MetaTrader 4 and MetaTrader 5 supported
Mobile trading app available
Advanced charting tools included
Transparent pricing with clear cost disclosure
24/5 live chat support
Phone support available
Multilingual customer support
Cons
Standard account spreads are not ECN-competitive
Platform choice limited to MT4 and MT5
Mauritius FSC entity offers less investor protection than FCA/CySEC
No proprietary platform
Limited charting capabilities
Cons
Market maker on forex, not appropriate for raw ECN scalpers
Product breadth narrower than IG or Saxo
Support quality varies outside European hours
No raw spread account option
Inactivity fee applies
Dig deeper into each broker’s features, fees, and regulation.
Score 4.2 / 5
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