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

Broker Name

Freetrade

XTB

Broker Overview

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

STP broker

Market maker

Years of Existence / Established Year

2016

2002

Customer Base / Number of Accounts

1.5 M

2 Million

Regulation & Security

Regulations (governing bodies)

FCA

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

Awards Won (count for the last 2 years)

Best Online trading platform 2024

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

Security Measures

Yes

FSCS

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Yes

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

6200+ U.S Treasury Bills, Investment trust

11400+ trading instruments, including an investment plan

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)

Yes

Equities

Yes

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

MT5

cTrader

Social Trading

Yes

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

Freetrade web and mobile trading platform

X station

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

General investment account, Stocks and shares ISA, Personal pension account

Standarad, Professional

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

Leverage Available

100:1

1:2 to 1:500

Trade Limit (maximum per trade)

depends on asset class

Depends on assets class

Commission (per account type)

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

Beginners to experienced traders

Deposit & Withdrawal Options

Deposit Methods

Bank transfer, debit card, Apple pay, google pay

bank transfers, credit and debit cards, e-wallets

Withdrawal Methods

Linked bank account

bank transfers, credit and debit cards, e-wallets

Other E-Wallets Supported

Apple pay , google pay

Skrill, Neteller

Tools & Educational Resources

Economic Calendar

Yes

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

Learn (Trading Education), Freetrade Blog (Market Insights), Webinars, Investing Guides, Video Tutorials, Community Forum

Educational Articles and Market Articles

Fees & Commissions

Trading-Related Fees

FX fee of 0.59%

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

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

100:1

(1:500)

Non-Trading Fees

Dormant Fees

Charges apply 12 months of inactivity

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

Swap Fees (Overnight Financing)

Statement or Document Fee

Account Opening Fee

Account Maintenance Fee

£10.97

Deposit Fee

£5

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

Currency Conversion Fee

Exchange rate + 0.99%

0.50%

Withdrawal Fee

£5

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

Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Customer Benefits (e.g., Retirement Plan)

Trading Hours

Trading Hours (for each asset class if applicable)

Monday to Friday: 8:00 AM - 4:30 PM GMT Monday to Friday: 9:30 AM - 4:00 PM ET (2:30 PM - 9:00 PM GMT) European Market Hours- Monday to Friday: 9:00 AM - 5:30 PM CET (8:00 AM - 4:30 PM GMT)

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

Customer Support

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

24/5

(24/5)

Customer Support Methods (phone, email, live chat)

Help hub, community forum, E-mail, Social media

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

Support Languages

Additional Information

Headquarters Location

Level 2, The Truman Brewery, 91 Brick Lane, London, England, E1 6QL

Poland

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.

Both Freetrade and XTB offer affordable fee structures, but Freetrade generally edges out with no inactivity fees and lower commissions on standard trades, whereas XTB shines with bundled research and platform access.

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

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

Freetrade strength lies in high-performance trading, while XTB provides a more accessible route for everyday investors.

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