Updated September 29, 2026 · BrokerCue Editorial Team
OANDA vs XTB
What sets them apart
| Compare |  OANDA |  XTB |
|---|---|---|
| Minimum deposit | $0 | €0 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, BondsCovers more | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | FCA, CFTC | 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 | 72% | 77% |
| Stock trade fee | Not confirmed | €0 |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| Currency conversion fee | Not confirmed | 0.5% |
| Deposit and withdrawal fees | Not confirmed | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Not confirmed | XStation 5, XStation Mobile |
Same on both: Maximum retail leverage (1:30).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- OANDA scores higher overall: 9.5 vs 9.3.
- Regulators: only OANDA offers CFTC.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), KNF.
- Founded is lower at OANDA: 1996 vs 2002.
- XTB is licensed in 1 more country.
- Markets: only OANDA offers Bonds.
- Support channels: only XTB offers Chat.
- Features: only XTB offers Crypto.
Our verdict on each
OANDA
OANDA fits traders who want to open an account without a minimum deposit and sit under regulators on both sides of the Atlantic. Its overall score is 8.4 with a cost score of 8.4, though the retail loss rate of 72% is a reminder that most balances do not survive the trading.
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 | OANDA | XTB |
|---|---|---|
| Cost | 9.7Higher | 9.1 |
| Offer | 9.3 | 9.3 |
| Trust | 9.5 | 9.6Higher |
Licences and countries
| Country | OANDA | XTB |
|---|---|---|
| United Kingdom | FCA 542574 | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed | |
| United States | CFTC 0325821 | Not confirmed |
Positions in our rankings
| Ranking | OANDA | XTB |
|---|---|---|
| Stock and ETF brokers | 42 of 490 | 3 of 490 |
| Forex brokers | 17 of 147 | 2 of 147 |
| Low-spread forex brokers | 15 of 145 | 2 of 145 |
| CFD brokers | 14 of 122 | 2 of 122 |
What we checked
OANDA
- oanda.com: 4 facts, checked September 26, 2026
- brokersway.com: 3 facts, checked September 26, 2026
- tradingpedia.com: 3 facts, checked September 26, 2026
- en.wikipedia.org: 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 | OANDA | XTB |
|---|---|---|
| Features | Demo account, Mobile app | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Not confirmed | Commission free, Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | OANDA TMS Brokers S.A. | XTB Limited |
| Headquarters | United States | Cyprus |
| Founded | 1996Lower | 2002 |
| Support channels | Email, Phone | Email, Chat, PhoneCovers more |
Where each stands against the rest
| Fact | OANDA | 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 | €0 |
| Retail accounts that lose money | 72%above the median | 77%highest quarter | 70.375% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.4% |
Median across 38 listed brokers.
Pros and cons
OANDA
Pros
- No minimum deposit: $0 means the account opens without putting money in first, and OANDA sits at the top of our minimum deposit ranking, ahead of Vantage and its $5.
- Regulated in Britain and the US: FCA and CFTC covers an FCA licence 542574 and a CFTC registration 0325821.
- UK balances sit under protection of FSCS up to GBP 85,000, which pays compensation if the firm cannot return the money.
Cons
- Support runs on email and phone only, which leaves anyone wanting a live chat desk looking at other brokers.
- A retail loss rate of 72% is no better than the site figure of 70.15%, so the risk sits at the sector norm.
- Retail leverage of 1:30 magnifies losses as quickly as gains, and a $0 entry point makes it easy to size positions too large.
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
OANDA
Who it suits
- Traders who want to open an account and start small: the minimum deposit of $0 removes the barrier to funding later.
- Anyone who checks regulators before depositing, since FCA and CFTC and protection of FSCS up to GBP 85,000 are both on record.
- Forex traders who also want shares, ETFs, CFDs, crypto and bonds under one roof: stocks, etfs and forex.
Who should look elsewhere
- Futures traders, who get a longer list at eToro, where stocks, etfs and forex adds futures to the stocks, etfs and forex on offer here.
- Traders who want nothing beyond shares, ETFs, forex, CFDs and crypto, since CFI's stocks, etfs and forex covers that core without the bonds.
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
OANDA
What is the minimum deposit for an OANDA account?+
OANDA lists a minimum deposit of $0, so you can open an account without funding it and add money later. On our minimum deposit ranking that places OANDA at position 1 of 213 brands, well clear of the field. Vantage, by contrast, asks for $5 before trading starts.
How is my money protected if something goes wrong?+
UK clients sit under investor protection of FSCS up to GBP 85,000, the compensation paid if the firm cannot return the balance. The regulator behind that cover is named in FCA and CFTC, and the FCA licence number is 542574. US clients fall under the CFTC registration, 0325821, which is a separate arrangement.
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
Other matchups
- OANDA vs CFI
- OANDA vs IG
- OANDA vs Markets.com
- OANDA vs Exness
- OANDA vs Topstep
- XTB vs Fidelity
- XTB vs Firstrade
- XTB vs Merrill Edge
- XTB vs Angel One
- XTB vs Interactive Brokers
- XTB vs ActivTrades
- XTB vs DKB (Deutsche Kreditbank)
- OANDA vs NAGA
- XTB vs UNest
- XTB vs eToro
- XTB vs Linxea
- XTB vs bunq
- XTB vs Mintos
- XTB vs Robinhood
- XTB vs Empower Personal Dashboard
- OANDA vs EBC Financial Group
- XTB vs Afranga
- XTB vs Nectaro