Updated September 29, 2026 · BrokerCue Editorial Team
FXCC vs XTB
What sets them apart
| Compare | FXCC ReviewSee alternativesSee alternatives |  XTB |
|---|---|---|
| Minimum deposit | $0 | €0 |
| Stock trade fee | $0 | €0 |
| Markets | Stocks, Forex, Crypto, Metals | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | Mwali International Services Authorities (MISA) | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Deposit and withdrawal fees | No fees charged by broker | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | MT4, MT5 | XStation 5, XStation Mobile |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| Investor protection | Not confirmed | EU ICS up to EUR 20,000 |
| Retail accounts that lose money | Not confirmed | 77% |
| Currency conversion fee | Not confirmed | 0.5% |
| Maximum retail leverage | Not confirmed | 1:30 |
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Key differences
- XTB scores higher overall: 9.3 vs 9.1.
- Regulators: only FXCC offers Mwali International Services Authorities (MISA).
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- Founded is lower at XTB: 2002 vs 2010.
- XTB is licensed in 2 more countries.
- Markets: only FXCC offers Metals.
- Markets: only XTB offers ETFs, CFDs.
- Platforms: only FXCC offers MT4, MT5.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Features: only XTB offers Crypto.
Our verdict on each
FXCC
FXCC keeps entry cheap: the minimum deposit is $0, the stock trade fee is $0 and pricing is commission-free. It suits beginners and forex traders who want MT4 or MT5, a demo account and no broker charge on deposits, with a named regulator and licence behind the account.
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 | FXCC | XTB |
|---|---|---|
| Cost | 9.6HigherCommission-free pricing (commission free) with $0 to open, and the broker states No fees charged by broker. | 9.1 |
| Offer | 9.1 | 9.3Higher |
| Trust | 8.8 | 9.6Higher |
Positions in our rankings
| Ranking | FXCC | XTB |
|---|---|---|
| Stock and ETF brokers | 113 of 471 | 3 of 471 |
| Forex brokers | 49 of 147 | 2 of 147 |
| Low-spread forex brokers | 47 of 145 | 2 of 145 |
Where each is licensed and available
| Country | FXCC | XTB |
|---|---|---|
| Comoros | Not confirmed | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed |
What each covers
| Markets | FXCC | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | No | Yes |
| Forex | Yes | Yes |
| CFDs | No | Yes |
| Crypto | Yes | Yes |
| Metals | Yes | No |
What we checked
FXCC
- forexsuggest.com: 3 facts, checked September 26, 2026
- fxcc.com: 3 facts, checked September 26, 2026
- fxccaffiliates.com: 3 facts, checked September 26, 2026
- forexdailyinfo.com: 1 fact, checked September 26, 2026
- fxleaders.com: 1 fact, 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 | FXCC | XTB |
|---|---|---|
| Features | Mobile app, Demo account | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Commission free | Commission free, Low feesCovers more |
| Audience | Not confirmed | Beginners |
| Legal entity | Central Clearing Ltd | XTB Limited |
| Headquarters | Not confirmed | Cyprus |
| Founded | 2010 | 2002Lower |
| Support channels | Email, Chat, Phone | Email, Chat, Phone |
Where each stands against the rest
| Fact | FXCC | XTB | Median |
|---|---|---|---|
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €10above the median | €2.45 |
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 72.05% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.45% |
Median across 52 listed brokers.
Pros and cons
FXCC
Pros
- Ranks at the top of 213 brands on minimum deposit, at $0.
- A commission-free model and a stock trade fee of $0, at the top of 161 brands for that fee.
- Both a mobile app and a demo account are offered (mobile app and demo account), so you can practise before funding.
Cons
- The listed regulator is Mwali International Services Authorities (MISA), so there is no UK or EU protection scheme behind the account.
- The market list is short at stocks, forex and crypto, with no ETF, bond or fund line on it.
- Most retail accounts lose money: the share that do runs at 70.15% across the site and 72.13% in the forex list.
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
FXCC
Who it suits
- Beginners who want a demo account and $0 to start with.
- Traders already working in MT4 and MT5 who prefer commission-free pricing.
- Traders who hold metals or crypto alongside forex, since stocks, forex and crypto covers them.
Who should look elsewhere
- Anyone after the longest market list: CFI covers stocks, etfs and forex.
- Traders who want futures in the same account: eToro covers stocks, etfs and forex.
- Investors who prefer a stated entry level rather than $0: Vantage asks $5.
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
FXCC
What does it cost to trade with FXCC?+
The minimum deposit is $0 and the stock trade fee is $0. The pricing model is commission-free, so a trade does not carry a separate commission and the usual cost sits in the spread. Support runs on email, chat and phone.
Are there fees for depositing or withdrawing money?+
The broker states No fees charged by broker, so moving money in or out of the account does not add a cost. That matters for smaller accounts, where a fixed transfer charge would eat into a balance opened at $0.
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.
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