Updated September 29, 2026 · BrokerCue Editorial Team
FXTM vs WH SelfInvest
FXTM vs WH SelfInvest: the differences
| Compare | FXTM ReviewSee alternativesSee alternatives |  WH SelfInvest |
|---|---|---|
| Inactivity fee | $5 | €0 |
| Markets | Stocks, ETFs, Forex, CFDs, Futures, Crypto, Bonds, Metals | Stocks, ETFs, Forex, CFDs, Options, Futures, Bonds |
| Retail accounts that lose money | 88% | 76% |
| Platforms | Desktop, Mobile App, MetaTrader 4, MetaTrader 5 | NanoTrader, TradingView, Trader Workstation, Mobile Apps |
| Minimum deposit | $10 | Not confirmed |
| Stock trade fee | Not confirmed | $1.90 |
| Account fee | Not confirmed | €0 |
| Regulators | FCA, CySEC | Not confirmed |
| Investor protection | FSCS up to GBP 85,000 | Not confirmed |
| Deposit and withdrawal fees | No deposit fees; withdrawal fees vary by method | Not confirmed |
| Maximum retail leverage | 1:2000 | Not confirmed |
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Key differences
- Markets: only FXTM offers Crypto, Metals.
- Markets: only WH SelfInvest offers Options.
- Platforms: only FXTM offers Desktop, Mobile App, MetaTrader 4.
- Platforms: only WH SelfInvest offers NanoTrader, TradingView, Trader Workstation.
- Support channels: only FXTM offers Help centre.
- Support channels: only WH SelfInvest offers Email, Phone.
- Features: only FXTM offers Crypto.
- Features: only WH SelfInvest offers Fractional shares.
Our verdict on each
FXTM
FXTM suits traders who want forex, CFDs, futures, crypto and shares under one account, with retail leverage of 1:2000 and dual regulation behind the money. Costs are the compromise: entry is light, but support runs on help centre only, and a dormant account is charged rather than left free.
WH SelfInvest
WH SelfInvest sits in Luxembourg and covers stocks, ETFs, forex, CFDs, options, futures and bonds under an account fee of €0 and an inactivity fee of €0, which suits investors who want many asset classes without a standing charge. Stock dealing is the cost to watch, at $1.90 a trade.
Score breakdown
| Area | FXTM | WH SelfInvest |
|---|---|---|
| Cost | 9.0Entry costs are light, with a $10 starting deposit and No deposit fees; withdrawal fees vary by method, though dormant accounts pay $5. | 9.1HigherThe standing fees are flat, at €0 and €0, while the dealing charge of $1.90 a trade pulls the score down. |
| Offer | 9.3 | 9.5Higher |
| Trust | 9.5 | Not confirmed |
Licences and countries
| Country | FXTM | WH SelfInvest |
|---|---|---|
| Cyprus | Not confirmed | |
| United Kingdom | Not confirmed |
What each covers
| Markets | FXTM | WH SelfInvest |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | Yes |
| CFDs | Yes | Yes |
| Options | No | Yes |
| Futures | Yes | Yes |
| Crypto | Yes | No |
| Bonds | Yes | Yes |
| Metals | Yes | No |
How they place
| Ranking | FXTM | WH SelfInvest |
|---|---|---|
| Stock and ETF brokers | 59 of 490 | 77 of 490 |
| Forex brokers | 27 of 147 | 34 of 147 |
| Low-spread forex brokers | 25 of 145 | 32 of 145 |
| CFD brokers | 22 of 122 | 27 of 122 |
| Futures trading platforms | 14 of 83 | 20 of 83 |
| Copy trading platforms | 6 of 37 | 8 of 37 |
Sources behind this comparison
FXTM
- fxtm.com: 5 facts, checked September 26, 2026
- brokersway.com: 4 facts, checked September 26, 2026
- trade-leader.com: 2 facts, checked September 26, 2026
WH SelfInvest
- whselfinvest.com: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | FXTM | WH SelfInvest |
|---|---|---|
| Features | Demo account, Copy trading, Mobile app, Crypto | Demo account, Fractional shares, Copy trading, Mobile app |
| Headquarters | Not confirmed | Luxembourg |
| Support channels | Help centre | Email, Phone |
Where each stands against the rest
| Fact | FXTM | WH SelfInvest | Median |
|---|---|---|---|
| Minimum deposit | $10at the median | Not confirmed | $10 |
| Stock trade fee | Not confirmed | $1.90highest quarter | $0 |
| Account fee | Not confirmed | €0at the median | €0 |
| Retail accounts that lose money | 88%highest quarter | 76%highest quarter | 70.375% |
Median across 99 listed brokers.
Pros and cons
FXTM
Pros
- One account spans stocks, etfs and forex.
- The FCA and CySEC both appear under FCA and CySEC, with FSCS up to GBP 85,000 for UK clients.
- Trading runs on Desktop, Mobile App and MetaTrader 4, and demo account, copy trading and mobile app adds a demo account and copy trading.
Cons
- Dormant balances are charged $5, a cost active traders never meet.
- Support runs on help centre only.
- Leverage of 1:2000 magnifies losses, and 88% of retail accounts lose money.
WH SelfInvest
Pros
- The account fee is €0 and the inactivity fee is €0, so an account left open or left idle is not billed, and the standing cost sits level with Vantage at $0.
- A single account covers stocks, etfs and forex, so shares, forex, CFDs, options, futures and bonds can be held and traded together.
- The platform choice runs from NanoTrader, TradingView and Trader Workstation, so the same account can be worked from a desktop terminal or from mobile apps.
Cons
- Stock dealing costs $1.90 a trade, where eToro charges $0 for its stock dealing.
- That dealing charge ranks 123 of 161 on our data, while the account fee sits at 1 of 138 and inactivity at 1 of 56, so the standing costs lead the table while dealing sits near the back of it.
- Support runs on email and phone, so a live chat window and a help centre are not part of the contact options.
Who each suits
FXTM
Who it suits
- Traders who want forex, CFDs, futures, crypto and shares in one place from a $10 start.
- Newcomers who want a demo account and copy trading through demo account, copy trading and mobile app.
- Clients who want regulation in the UK and Cyprus under FCA and CySEC.
Who should look elsewhere
- Anyone who wants to open with nothing: CFI has a $0 minimum.
- Traders focused on shares, ETFs and crypto rather than bonds and metals: eToro's markets are stocks, etfs and forex.
- Small accounts wanting a cheaper opening: Vantage starts at $5.
WH SelfInvest
Who it suits
- Investors who want shares and leveraged products side by side, since stocks, etfs and forex puts forex, CFDs, options, futures and bonds in the same account.
- People who split activity between a desktop terminal and mobile apps, since NanoTrader, TradingView and Trader Workstation covers both.
- Traders who want to test before committing, since demo account, fractional shares and copy trading includes a demo account and fractional shares.
Who should look elsewhere
- Anyone who mainly wants cheap stock dealing: eToro charges $0 for stock dealing against $1.90 here.
- Crypto traders, since crypto is missing from stocks, etfs and forex although CFI covers stocks, etfs and forex.
Questions about each
FXTM
What does it cost to open and keep an FXTM account?+
Opening an account starts at $10, and the deposit and withdrawal terms read No deposit fees; withdrawal fees vary by method. The fee to watch is the inactivity charge of $5, which bites once an account sits idle, so running costs stay low only while you keep trading.
Is my money protected at FXTM?+
FXTM is regulated by the FCA and CySEC, and the investor protection stated is FSCS up to GBP 85,000. That cover sits with the regulated entity holding the account, so check which one your account is opened with before treating the protection as your own.
WH SelfInvest
Does WH SelfInvest charge an account fee?+
The account fee is €0 and the inactivity fee is €0, so there is nothing to pay for holding the account open and nothing for leaving it idle. That is why the brand ranks 1 of 138 on our data for the account fee and 1 of 56 for inactivity.
What does it cost to buy a stock?+
A stock trade costs $1.90, and that is the charge which scales with how often you trade. It ranks 123 of 161 on our data, so anyone dealing in shares regularly will feel it far more than the flat fees. Multiply it by the number of trades you expect.