TradingCritique

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XTB vs Interactive Brokers

Broker Name

XTB

XTB

VS
Interactive Brokers

Interactive Brokers

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Broker Overview

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

Market maker

Market maker

Years of Existence / Established Year

2002

1993

Customer Base / Number of Accounts

2 Million

3.12M


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Regulation & Security

Regulations (governing bodies)

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

SEC, FINRA, NYSE, FCA, FINMA, CFTC, MAS, SFC, CBI, IIROC, JFSA, MiFiD

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 Online Broker for Advanced Traders in 2024, Professional Trading 2024, #1 Best Online Broker in 2023, Best for Advanced Traders, Best Online Broker in 2024, Best Stock Broker for International Trading

Security Measures

FSCS

SIPC

SSL Encryption / 2FA

Yes

Yes

Segregated Funds

Yes

Yes

Negative Balance Protection

Yes

Yes


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Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

11400+ trading instruments, including an investment plan

150 Markets including Forecast and event contracts, Spot currencies,US spot Gold, Hedge funds

Currency Pairs

Yes

Yes

Commodities

Yes

No

Indices

Yes

No

Cryptocurrencies

Yes

Yes

CFDs

Yes

No

ETFs

Yes

Yes

Stocks

Yes

Yes

Options

No

Yes

Futures

No

Yes

Bonds

No

Yes

Mutual Funds

No

Yes

Fractional Shares

Yes

No

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

No

MT5

No

No

cTrader

No

No

Social Trading

No

No

Copy Trading

No

Yes

Other Trading Platforms (proprietary, etc.)

X station

IBKR global Trader, Client Portal, Desktop, Mobile, Trader workstation, APIs, Forecast Trader, IMPACT

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Yes


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Account Types & Conditions

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

Standarad, Professional

Individual, Joint, Trust, IRA and UGMA/UTMA Accounts, Non-Professional Advisor Accounts, Family Office Accounts, Small Business Accounts, Advisor Accounts, Money Manager Accounts, Broker & FCM Accounts, Proprietary Trading Group Accounts, Hedge Fund & Mutual Fund Accounts, Compliance Officers, Administrators, Institutional Hedge Fund Investors

Demo Account (Yes/No)

Yes

Yes

Islamic Accounts (Yes/No)

Yes

Yes

Minimum Deposit

$0

$0

Leverage Available

1:2 to 1:500

10:1 to 50:1

Trade Limit (maximum per trade)

Depends on assets class

EUR 5,000,000

Commission (per account type)

$0

$0

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

Beginners to experienced traders

Beginner to advanced traders


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Deposit & Withdrawal Options

Deposit Methods

bank transfers, credit and debit cards, e-wallets

ACH transfer, Link a new bank account, Bank wire, Transfer from wise balance, Scan a check , Mail a check, SEPA

Withdrawal Methods

bank transfers, credit and debit cards, e-wallets

ACH, Check, Direct debit, Transfer to wise balance, Canadian ETF transfer, SEPA

Other E-Wallets Supported

Skrill, Neteller

No


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Tools & Educational Resources

Economic Calendar

Yes

Yes

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

Educational Articles and Market Articles

Traders' Academy (Online Courses), IBKR Webinars, Market Insights and Analysis, Trader's University (Video Tutorials), IBKR Quant Blog (Quantitative Trading), Customer Education (Trading Guides)


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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%

IBKR Lite: Commission-free U.S. stocks, ETFs, and specific mutual funds, IBKR Pro: $0.005 per share, minimum $1 per trade

Spread (typical, fixed, variable)

Variable

Fixed spread

Per Lot Fees

0.08% per lot, or 0.16% per round turn

NA

Options Contract Fees

NA

$0.65/contract

Futures Contract Fees

NA

$0.85

Markup Fees on Spread

NA

$1.50

Guaranteed Stop Loss Fees

NA

NA

Maximum Leverage

(1:500)

50:1


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Non-Trading Fees

Dormant Fees

Charges apply 12 months of inactivity

$0

Subscription Fees (for premium features, data feeds)

NA

NA

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

It depends up on the account type

Swap Fees (Overnight Financing)

No

over $10 million free

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%

$0.03

Withdrawal Fee

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

$10 outgoing wire transfer fee


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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.

9:30 AM - 4:00 PM ET, Monday through Friday Overnight trading hours: 8:00 PM ET - 3:50 AM ET, Sunday through Friday


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Customer Support

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

(24/5)

24/7

Customer Support Methods (phone, email, live chat)

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

Phone: 1 (888) 919-0022, E-mail: [email protected], Live chat

Support Languages

10

33


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Additional Information

Headquarters Location

Poland

Greenwich, Connecticut

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, Interactive Brokers includes some charges for premium features and certain asset trades, making XTB the better option for budget-focused traders.
XTB gets you trading faster thanks to its minimal entry barriers. In comparison, Interactive Brokers account setup is slower but includes extra layers of financial screening and suitability assessments.
New traders may find XTB interface more welcoming, while Interactive Brokers appeals to experienced users looking for tools like heatmaps, screeners, and market sentiment overlays.
XTB is geared toward frequent trading and analytics, while Interactive Brokers fits those who value simplicity and guided experiences.