XTB vs Forex.com : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

XTB

Forex.com

Broker Overview

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

Market maker

Years of Existence / Established Year

2002

2001

Customer Base / Number of Accounts

2 Million

454k + Customers

Regulation & Security

Regulations (governing bodies)

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

CIRO, FSA, MAS, CySEC, NFA, CFTC, CIMA, FCA, ASIC

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 HNW Service, Best Broker for CFDs, Best in Class Overall Best in Class Mobile Trading Apps Best in Class Offering of Investments Best New Tool Performance Analytics

Security Measures

FSCS

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Yes

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

11400+ trading instruments, including an investment plan

5, 500+ Stocks

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Futures

Bonds

Mutual Funds

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Precious Metals

Yes

Real Estate Investment Trusts (REITs)

Equities

Yes

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

Yes

MT5

Yes

cTrader

Social Trading

Yes

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

X station

Forex.com Proprietary platform

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

Standarad, Professional

Standard, Raw spread, MetaTrader account

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

$100

Leverage Available

1:2 to 1:500

50:1

Trade Limit (maximum per trade)

Depends on assets class

No information

Commission (per account type)

Raw account - $7 per 100k USD traded

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

Beginners to experienced traders

Deposit & Withdrawal Options

Deposit Methods

bank transfers, credit and debit cards, e-wallets

Credit/ debit card, bank wire

Withdrawal Methods

bank transfers, credit and debit cards, e-wallets

Credit/ debit card, bank wire

Other E-Wallets Supported

Skrill, Neteller

Neteller, skrill

Tools & Educational Resources

Economic Calendar

Yes

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

Educational Articles and Market Articles

Forex Trading University, Market Analysis and Insights, Webinars, Video Tutorials, Trading Guides and eBooks, Market News and Research

Fees & Commissions

Trading-Related Fees

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

Commission: Fixed $7 USD per $100k USD traded

Spread (typical, fixed, variable)

Variable

Per Lot Fees

0.08% per lot, or 0.16% per round turn

Options Contract Fees

Futures Contract Fees

Markup Fees on Spread

Guaranteed Stop Loss Fees

Maximum Leverage

(1:500)

50:1

Non-Trading Fees

Dormant Fees

Charges apply 12 months of inactivity

$15 inactive for 12 months

Subscription Fees (for premium features, data feeds)

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

$30

Swap Fees (Overnight Financing)

Yes

Statement or Document Fee

Account Opening Fee

Account Maintenance Fee

Deposit Fee

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

Currency Conversion Fee

0.50%

Withdrawal Fee

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

Free for bank transfers and debit cards, US: $25, International: $40, except over $10,000

Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Customer Benefits (e.g., Retirement Plan)

Trading Hours

Trading Hours (for each asset class if applicable)

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

Depends on the instrument offer

Customer Support

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

(24/5)

24/5

Customer Support Methods (phone, email, live chat)

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

Live chat: https://www.forex.com/en/contact-forex-com, Phone New accounts: Tollfree: 1-877-367-3946, International: 1-908-731-0750 Existing customers: Tollfree: 1-877-367-3946,Email New accounts: [email protected] Existing customers & inquiries: [email protected] International: 1-908-731-0750

Support Languages

Additional Information

Headquarters Location

Poland

30 Independence Blvd Suite 300, 3rd Floor, Warren, New Jersey 07059, US.

Complaints (for crypto brokers)

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, Forex.com includes some charges for premium features and certain asset trades, making XTB the better option for budget-focused traders.

The account creation flow at XTB is modern and app-driven, making it seamless for new users. Forex.com, however, leans toward traditional processes with forms and verifications that take more time.

XTB excels in real-time trade execution with minimal latency, whereas Forex.com complements its execution with strong analytical modules and educational support within the platform.

If you're after professional-grade platforms, XTB may be ideal. For casual investors, Forex.com offers a low-barrier entry.

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