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

Broker Name

XTB

Swissquote

Broker Overview

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

Market maker

STP

Years of Existence / Established Year

2002

1996

Customer Base / Number of Accounts

2 Million

610,000 accounts

Regulation & Security

Regulations (governing bodies)

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

FINMA CySEC FCA, DFSA

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,

No major awards listed

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

9000+ Markets including ETNs

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Yes

Bonds

Yes

Mutual Funds

Yes

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Yes

Precious Metals

Yes

Real Estate Investment Trusts (REITs)

Yes

Equities

Yes

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

Yes

MT5

Yes

cTrader

Social Trading

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

X station

CFXD Swissquote App

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

Standarad, Professional

Standard Premium Prime Professional

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

€0

Leverage Available

1:2 to 1:500

1:100- 1 : 400

Trade Limit (maximum per trade)

Depends on assets class

Varies by instrument

Commission (per account type)

€0

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

Beginners to experienced traders

Beginners

Deposit & Withdrawal Options

Deposit Methods

bank transfers, credit and debit cards, e-wallets

Wire Transfer Credit/ Debit cards

Withdrawal Methods

bank transfers, credit and debit cards, e-wallets

Wire Transfer Credit/ Debit cards

Other E-Wallets Supported

Skrill, Neteller

Tools & Educational Resources

Economic Calendar

Yes

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

Educational Articles and Market Articles

AI generated sentiment analylsis Portfolio performance chart Recurring orders & Securities lending Stress test tool, ESG feature

Fees & Commissions

Trading-Related Fees

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

Stocks - 0.1%, ETFs - 0.1%, Options / Futures - 2 Euro per contract, OTC Orders/ Grey market / other markets: 0.50%, minimum 100 currencies, Cryptocurrencies- €25 - 10,000 - 1%, Mutual funds - €24.95 minimum commission

Spread (typical, fixed, variable)

Variable

Per Lot Fees

0.08% per lot, or 0.16% per round turn

0.00 pips

Options Contract Fees

€0.85 per transaction

Futures Contract Fees

Markup Fees on Spread

Guaranteed Stop Loss Fees

Maximum Leverage

(1:500)

1:400

Non-Trading Fees

Dormant Fees

Charges apply 12 months of inactivity

Subscription Fees (for premium features, data feeds)

Others- 0.25%Mutual funds - 0.5%

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)

Yes

Statement or Document Fee

EUWAX Market - 0.1%

Account Opening Fee

€0

Account Maintenance Fee

Quarterly Custody Fees for Cash Asset 0 to 50,000 CHF - 20 CHFAccount fees for precious metal account balances - 0.25%

Deposit Fee

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

Bank / Post wire transfer - Free Crediting of cheques - 30 CHF Card deposits - 1.9% (Switzerland & Europe)/0% rest

Currency Conversion Fee

0.50%

UK - 0.5%

Withdrawal Fee

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

Wire transfer - Payment fees changes based on currency

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.

Forex Opening Hours: 8:00 - 18:00 CET. Monday to FridayForex dealing desk Opening hours: From 23:00 Sunday to 23:00 Friday CET

Customer Support

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

(24/5)

8:00 - 22:00 CET Monday to Friday

Customer Support Methods (phone, email, live chat)

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

Phone: +41 44 825 88 88 Forex: +41 44 825 87 87 E-mail: [email protected] Forex dealing desk: +41 22 999 94 76

Support Languages

Additional Information

Headquarters Location

Poland

Chemin de la Cretaux 33 P.O. Box 1032 1196 Gland

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.

XTB is known for competitive pricing on basic trades, especially for beginners. However, Swissquote fee structure, though slightly higher, covers a broader range of services, making it more suitable for active traders.

XTB uses a digital-first onboarding approach with clear instructions and fast ID verification. Swissquote goes a step further with manual checks and optional account tiers, ideal for serious professionals.

XTB provides a modern trading experience with its proprietary or MT4 platform, ideal for technical traders. Swissquote , on the other hand, offers more research tools and is better suited for data-driven investors.

Those seeking technical depth may prefer XTB, while Swissquote shines with intuitive design and streamlined features.

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