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XTB vs ATFX : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

XTB

XTB

VS
ATFX

ATFX

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Broker Overview

Broker Type (e.g., Market Maker, ECN/STP)

Market maker

ECN

Years of Existence / Established Year

2002

2017

Customer Base / Number of Accounts

2 Million

254,000 +


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Regulation & Security

Regulations (governing bodies)

FCA, KNF, CySEC, DFSA, BaFin, FSCA, and FSC.

FCA FSCA ASIC SCA , FSC, FSA CySEC FSC Seychelles FSA SFC

Awards Won (count for the last 2 years)

Best for low cost ISA 2025, Best CFD Broker of 2025, Europe's fastest growing company 2025, Highly Recommended Finder Awards 2024,

Best Global Forex Broker 2024 Best Global Forex Chairman 2024 Best Forex MT4 Broker - Asia 2024 in Global Brand Magazin Awards 2024 Most trusted forex broker in Asia 2023 in FAME awards

Security Measures

FSCS

ATFX Client funds insurance up to USD1,000,000,

SSL Encryption / 2FA

Yes

No

Segregated Funds

Yes

Yes

Negative Balance Protection

Yes

Yes (Not for professional clients)


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Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

11400+ trading instruments, including an investment plan

300+ instruments 15+ US, European & Asian stock indices, shares

Currency Pairs

Yes

Yes

Commodities

Yes

Yes

Indices

Yes

Yes

Cryptocurrencies

Yes

Yes

CFDs

Yes

Yes

ETFs

Yes

Yes

Stocks

Yes

Yes

Options

No

Yes

Futures

No

Yes

Bonds

No

No

Mutual Funds

No

No

Fractional Shares

Yes

Yes (only in ETFs)

Exchange Traded Notes (ETNs)

No

No

Precious Metals

Yes

Yes

Real Estate Investment Trusts (REITs)

No

No

Equities

Yes

No


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Trading Platforms & Technology

Trading Platform Availability

Yes

Yes

MT4

No

Yes

MT5

No

Yes

cTrader

No

No

Social Trading

No

Yes

Copy Trading

No

Yes

Other Trading Platforms (proprietary, etc.)

X station

ATFX Mobile Trading App

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Yes


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Account Types & Conditions

Account Types (Retail, Pro, VIP, etc.)

Standarad, Professional

Micro, Classic, Premium, Raw

Demo Account (Yes/No)

Yes

Yes

Islamic Accounts (Yes/No)

Yes

No

Minimum Deposit

$0

$100

Leverage Available

1:2 to 1:500

1:400

Trade Limit (maximum per trade)

Depends on assets class

30 lots maximum trade

Commission (per account type)

$0

Raw- 7 USD per lot

Best Suited For (e.g., beginners, experienced traders)

Beginners to experienced traders

Beginners & experienced


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Deposit & Withdrawal Options

Deposit Methods

bank transfers, credit and debit cards, e-wallets

Bank transfers Credit card Debit card E-Wallets

Withdrawal Methods

bank transfers, credit and debit cards, e-wallets

Bank transfers Credit card Debit card E-Wallets

Other E-Wallets Supported

Skrill, Neteller

Neteller Skrill Perfect money


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Tools & Educational Resources

Economic Calendar

Yes

Yes

Tools & Educational Resources (tutorials, webinars, market news, etc.)

Educational Articles and Market Articles

Tools MT4 & MT5 ATFX Copytrade Trading Central Autochartist ATFX Support & Resistance Indicator MT4 Indicators Position size calculators


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Fees & Commissions

Trading-Related Fees

Spread 0.1 to 0.8 pips, Stock transfer fee- USD 25, ETF commission- 0.2%

Spread- starts from 0.0 to 2.8 pips

Spread (typical, fixed, variable)

Variable

Variable

Per Lot Fees

0.08% per lot, or 0.16% per round turn

NA

Options Contract Fees

NA

NA

Futures Contract Fees

NA

NA

Markup Fees on Spread

NA

NA

Guaranteed Stop Loss Fees

NA

NA

Maximum Leverage

(1:500)

1:400


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Non-Trading Fees

Dormant Fees

Charges apply 12 months of inactivity

$0

Subscription Fees (for premium features, data feeds)

NA

$0

Advisory Fees

0% advisory fee for cash-enhanced portfolio, 0.30% annual advisory fee for market-focused portfolio, 0.75-0.85% annual advisory fee for personal advice

$0

Swap Fees (Overnight Financing)

No

NA

Statement or Document Fee

$0

NA

Account Opening Fee

$0

$0

Account Maintenance Fee

$0

$0

Deposit Fee

$0- Bank transfer, Visa, Mastercard, or Maestro, 2% fee for deposits via Skrill.

$0

Currency Conversion Fee

0.50%

0

Withdrawal Fee

$0 - above $50, £5 or $20 fee for withdrawals below £50 or $50

5 Euro/USD charged for withdrawals below 100 EUR/USD


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Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Yes

Customer Benefits (e.g., Retirement Plan)

No

Yes


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Trading Hours

Trading Hours (for each asset class if applicable)

22:00 on Sunday to 21:00 on Friday GMT.

24x5 forex trading hours Sydney - 10pm to 7am summer session. 11pm to 8am winter session. Tokyo - 11pm to 8am summer session. 12pm to 9am winter session. London - 7am to 4pm summer session. 8am to 5pm winter session. New York - 12pm to 9pm summer session. 1am to 10pm winter session.


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Customer Support

Support Hours (e.g., 24/7, weekdays only)

(24/5)

24x5

Customer Support Methods (phone, email, live chat)

Phone: +48 222 739 976, Live chat, E-mail: [email protected]

E mail: mailto:[email protected] Line:Taiwan 00801127901 Thailand 1800012752

Support Languages

10

10+


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Additional Information

Headquarters Location

Poland

1st Floor, 32 Cornhill, London EC3V 3SG, United Kingdom

Complaints (for crypto brokers)

No

No


At TradingCritique, we don't just list brokers. We test, compare, and simplify your decision-making. Whether you're a beginner or a pro, our data-driven comparisons are built to match your trading style and region. Learn how we Evaluate a broker.
While XTB maintains low trading fees with no minimum deposit, ATFX includes some charges for premium features and certain asset trades, making XTB the better option for budget-focused traders.
New users will likely find XTB sign-up process more intuitive. Meanwhile, ATFX takes a more regulated path to onboarding, which could benefit traders seeking high capital limits and detailed agreements.
XTB platform is great for fast-paced day trading, especially with features like one-click trading. ATFX platform, by comparison, is built for strategy testing and long-term portfolio management.
If you're after professional-grade platforms, XTB may be ideal. For casual investors, ATFX offers a low-barrier entry.