Updated September 29, 2026 · BrokerCue Editorial Team
FOREX.com vs XTB
Where FOREX.com and XTB differ
| Compare |  FOREX.com |  XTB |
|---|---|---|
| Minimum deposit | $100 | €0 |
| Markets | Forex, CFDs, Crypto | Stocks, ETFs, Forex, CFDs, CryptoCovers more |
| Regulators | FCA, NFA/CFTC, ASIC | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Retail accounts that lose money | 74% | 77% |
| Stock trade fee | Not confirmed | €0 |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| Currency conversion fee | Not confirmed | 0.5% |
| EUR/USD spread | 1.2% | Not confirmed |
| Deposit and withdrawal fees | Not confirmed | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Not confirmed | XStation 5, XStation Mobile |
| Maximum retail leverage | Not confirmed | 1:30 |
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Key differences
- XTB scores higher overall: 9.3 vs 9.1.
- Regulators: only FOREX.com offers NFA/CFTC, ASIC.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), KNF.
- Markets: only XTB offers Stocks, ETFs.
- Pricing model: only XTB offers Low fees.
Our verdict on each
FOREX.com
FOREX.com suits UK retail traders who want one commission-free account covering forex, CFDs and crypto under a named UK regulator. The trade-off is the price of entry: a $100 minimum deposit sits well above the €4.64 median across the brands compared here.
XTB
XTB suits retail traders who want to hold stocks, ETFs, forex, CFDs and crypto under one Cyprus-based account without a monthly charge. The account fee is €0, deposits cost nothing, and CySEC, FCA and KNF authorisations sit behind a legal entity founded in 2002.
Score breakdown
| Area | FOREX.com | XTB |
|---|---|---|
| Cost | 8.3Commission-free pricing with a 1.2% EUR/USD spread, though the $100 minimum deposit is steep against the €4.64 site median. | 9.1Higher |
| Offer | 8.8 | 9.3Higher |
| Trust | 9.8Higher | 9.6 |
How they place
| Ranking | FOREX.com | XTB |
|---|---|---|
| Forex brokers | 48 of 147 | 2 of 147 |
| Low-spread forex brokers | 46 of 145 | 2 of 145 |
| CFD brokers | 39 of 122 | 2 of 122 |
Availability and regulation
| Country | FOREX.com | XTB |
|---|---|---|
| United Kingdom | ||
| Australia | Not confirmed | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed | |
| United States | Not confirmed |
Feature by feature
| Markets | FOREX.com | XTB |
|---|---|---|
| Stocks | No | Yes |
| ETFs | No | Yes |
| Forex | Yes | Yes |
| CFDs | Yes | Yes |
| Crypto | Yes | Yes |
Where these facts come from
FOREX.com
- compareforexbrokers.com: 8 facts, checked September 26, 2026
XTB
- xtb.com: 10 facts, checked September 26, 2026
- hello-brokers.com: 5 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- eupersonalfinance.eu: 1 fact, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | FOREX.com | XTB |
|---|---|---|
| Features | Crypto, Demo account, Mobile app | Demo account, Mobile app, Crypto |
| Pricing model | Commission free | Commission free, Low feesCovers more |
| Audience | Not confirmed | Beginners |
| Legal entity | Not confirmed | XTB Limited |
| Headquarters | Not confirmed | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Not confirmed | Email, Chat, Phone |
Where each stands against the rest
| Fact | FOREX.com | XTB | Median |
|---|---|---|---|
| Stock trade fee | Not confirmed | €0below the median | €1 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €10above the median | €2.45 |
| Retail accounts that lose money | 74%above the median | 77%highest quarter | 72.05% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.45% |
| EUR/USD spread | 1.2%highest quarter | Not confirmed | 0.65% |
Median across 52 listed brokers.
Pros and cons
FOREX.com
Pros
- Commission-free pricing means the 1.2% EUR/USD spread is the cost you can actually see before you trade
- Regulated in the UK by the FCA, in the US by the NFA/CFTC and in Australia by the ASIC
- UK clients have investor protection of FSCS up to GBP 85,000 behind the firm
Cons
- The $100 minimum deposit sits above $0 at CFI and $5 at Vantage, so entry is the main hurdle
- Retail accounts lose money at 74%, above the 70.15% median for the brands compared here
- The range stops at forex, CFDs and crypto, without the shares, ETFs and futures that appear in stocks, etfs and forex
XTB
Pros
- Account fee of €0 on the standard account, and stock trades cost €0.
- Minimum deposit of €0, so the account opens without a funding floor.
- Regulated by CySEC, the FCA and KNF across Cyprus, the UK and Poland.
Cons
- An inactivity fee of €10 applies, unlike eToro, which has no such charge.
- Forex and CFD trading is not cost free: fx trading costs 0.5%.
- CFDs carry a high proportion of losing retail accounts, and XTB's own figure is 77%.
Who each suits
FOREX.com
Who it suits
- UK retail traders who want one commission-free account across forex, CFDs and crypto
- Traders who want a demo account to size up the platform before funding the $100 deposit
- People who put weight on a named UK regulator and FSCS up to GBP 85,000
Who should look elsewhere
- Anyone starting with a small sum, since CFI takes $0 and Vantage $5 against a $100 entry here
- Share and ETF investors, because eToro's range runs to stocks, etfs and forex
XTB
Who it suits
- Retail traders in the UK and Europe who want stocks, ETFs, forex, CFDs and crypto in one account
- Beginners who want a demo account and a mobile app before committing money
- Cost conscious traders who will not hold a balance large enough to trigger the inactivity fee
Who should look elsewhere
- Vantage, if a small minimum deposit of $5 suits a smaller starting balance better
- CFI, for traders who want forex and CFDs without paying an fx charge of 0.5%
- Anyone who plans to hold an idle balance for a long period, given the inactivity fee of €10
Questions about each
FOREX.com
What does it cost to trade forex on FOREX.com?+
Pricing is commission-free, so the cost sits in the spread rather than a separate deal charge. The euro against the dollar carries a spread of 1.2%, and that figure is the one to watch if you trade often or in size. The commission-free model runs across the account, not on one pair alone.
How much do I need to deposit to open an account?+
The minimum deposit is $100. That is a clear step up from the €4.64 median across the brands compared here, and well above $0 at CFI and $5 at Vantage. Plan the funding before you open, because the threshold applies at the account level.
XTB
What does XTB charge to open and hold an account?+
The account fee is €0, so there is no monthly or annual cost to keeping the account open. A stock trade costs €0 on the same account. The only recurring charge to watch is an inactivity fee of €10 for traders whose balance sits idle.
Is there a minimum deposit at XTB?+
The minimum deposit is €0, which means the account can be opened and funded with a small amount. It is a lower floor than the $5 asked by Vantage, so it suits a trader testing the platform before scaling up.
Other options to compare
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