XTB vs TD Direct Investing : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

XTB

TD Direct Investing

Broker Overview

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

Market maker

None

Years of Existence / Established Year

2002

1984

Customer Base / Number of Accounts

2 Million

17 M

Regulation & Security

Regulations (governing bodies)

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

CIPF, CIRO

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

CIPF

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

Fixed income investments, GICs

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Bonds

Yes

Mutual Funds

Yes

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

MT5

cTrader

Social Trading

Copy Trading

Other Trading Platforms (proprietary, etc.)

X station

TD app, web trader, Advanced dashboard, TD active trader

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

Standarad, Professional

Margin account, cash trading account, TFSA, RSP, RESP, RIF, LIRA, LIF, RDSP

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

Leverage Available

1:2 to 1:500

Trade Limit (maximum per trade)

Depends on assets class

Depends on asset types

Commission (per account type)

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

Beginners to experienced traders

Beginners and experienced traders

Deposit & Withdrawal Options

Deposit Methods

bank transfers, credit and debit cards, e-wallets

Direct bank account, Check

Withdrawal Methods

bank transfers, credit and debit cards, e-wallets

SWIP, Wire payment

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

Learning Centre - Investing Education, Market Insights and Analysis, Webinars, Investing Guides, Video Tutorials, TD Direct Investing Community Forum

Fees & Commissions

Trading-Related Fees

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

Commission -mutual funds- $0 , IPOs, Equities- $7.00- $9.99, Stock - $3- $43, Bonds- $40 + $1.50/1,000

Spread (typical, fixed, variable)

Variable

Per Lot Fees

0.08% per lot, or 0.16% per round turn

Options Contract Fees

$9.99 + $1.25 per contract

Futures Contract Fees

Markup Fees on Spread

Guaranteed Stop Loss Fees

Maximum Leverage

(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

$2-$5

Account Opening Fee

Applicable, Depends on account types

Account Maintenance Fee

$25 per quarter

Deposit Fee

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

$17.50 U.S

Currency Conversion Fee

0.50%

2.50%

Withdrawal Fee

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

$30-$100

Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Customer Benefits (e.g., Retirement Plan)

Yes

Trading Hours

Trading Hours (for each asset class if applicable)

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

Pre-market trading hours (8 a.m. to 9:30 a.m. ET) and after-hours trading (4 p.m. to 8 p.m. ET)

Customer Support

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

(24/5)

Monday to Friday, 7 am to 10 pm ET

Customer Support Methods (phone, email, live chat)

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

Phone: 1-800-465-5463, , Book an appointment

Support Languages

Additional Information

Headquarters Location

Poland

66 Wellington Street West, Toronto, ON M5K 1A2

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.

If minimizing trading costs is your top priority, XTB might be more attractive due to its lower commissions. Meanwhile, TD Direct Investing justifies its moderate fees with more robust tools and professional-grade features.

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

While XTB focuses on mobile-first design and clean user experience, TD Direct Investing includes features like in-depth charting, integrated news feeds, and strong desktop performance.

XTB delivers a robust ecosystem for seasoned traders, whereas TD Direct Investing focuses on ease of access and modern usability.

Explore More Broker Matchups

Here are more Comparisons to help you choose wisely

Compare XTB and Robinhood

Compare XTB and Sofi Active Investing

Compare XTB and Spreadex

Compare TD Direct Investing and Exness

Compare TD Direct Investing and Admiral Markets

Compare TD Direct Investing and Forex.com

Our Latest Contents

Stay updated with our newest insights and guides!

Top Broker Reviews

Discover brokers trusted by global traders.

Select Your Brokers to Compare