Updated September 29, 2026 · BrokerCue Editorial Team
FXTM vs XTB
Where FXTM and XTB differ
| Compare | FXTM ReviewSee alternativesSee alternatives |  XTB |
|---|---|---|
| Minimum deposit | $10 | €0 |
| Inactivity fee | $5 | €10 |
| Markets | Stocks, ETFs, Forex, CFDs, Futures, Crypto, Bonds, MetalsCovers more | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | FCA, CySEC | Cyprus Securities and Exchange Commission (CySEC), FCA, KNFCovers more |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Retail accounts that lose money | 88% | 77% |
| Deposit and withdrawal fees | No deposit fees; withdrawal fees vary by method | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Desktop, Mobile App, MetaTrader 4, MetaTrader 5 | XStation 5, XStation Mobile |
| Maximum retail leverage | 1:2000 | 1:30 |
| Stock trade fee | Not confirmed | €0 |
| Account fee | Not confirmed | €0 |
| Currency conversion fee | Not confirmed | 0.5% |
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Key differences
- Regulators: only XTB offers KNF.
- XTB is licensed in 1 more country.
- Markets: only FXTM offers Futures, Bonds, Metals.
- Platforms: only FXTM offers Desktop, Mobile App, MetaTrader 4.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only FXTM offers Help centre.
- Support channels: only XTB offers Email, Chat, Phone.
- Features: only FXTM offers Copy trading.
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.
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 | FXTM | XTB |
|---|---|---|
| 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. | 9.1Higher |
| Offer | 9.3 | 9.3 |
| Trust | 9.5 | 9.6Higher |
Which one suits you
Pick FXTM if markets matter most.
Pick XTB if regulators matter most.
What we checked
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
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
How they place
| Ranking | FXTM | XTB |
|---|---|---|
| Stock and ETF brokers | 68 of 471 | 3 of 471 |
| Forex brokers | 30 of 147 | 2 of 147 |
| Low-spread forex brokers | 28 of 145 | 2 of 145 |
| CFD brokers | 24 of 122 | 2 of 122 |
Every fact side by side
| Fact | FXTM | XTB |
|---|---|---|
| Features | Demo account, Copy trading, Mobile app, CryptoCovers more | Demo account, Mobile app, Crypto |
| Pricing model | Not confirmed | Commission free, Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | Not confirmed | XTB Limited |
| Headquarters | Not confirmed | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Help centre | Email, Chat, Phone |
Where each stands against the rest
| Fact | FXTM | XTB | Median |
|---|---|---|---|
| Stock trade fee | Not confirmed | €0below the median | €1 |
| Account fee | Not confirmed | €0at the median | €0 |
| Retail accounts that lose money | 88%highest quarter | 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
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.
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
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.
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
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.
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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