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

Broker Name

XTB

AvaTrade

Broker Overview

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

Market maker

Years of Existence / Established Year

2002

2006

Customer Base / Number of Accounts

2 Million

4 Million

Regulation & Security

Regulations (governing bodies)

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

FFAJ, CySEC, ISA, IIROC, ADGM, FSRA, CBI,BVI FSC, FSCA, 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 Forex Trading App in Europe- 2024, Best Affiliate program LATAM -2024, Most Trusted Trading Platform -2024, Most Trusted Broker -2024, Top 10 Hot Brand of the year -2024

Security Measures

FSCS

Avaprotect

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

1000+ trading instruments

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Bonds

Yes

Mutual Funds

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Yes

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

Ava trade app

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

Standarad, Professional

Retail, standard, and professional

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

$100

Leverage Available

1:2 to 1:500

1:10 to 1:400

Trade Limit (maximum per trade)

Depends on assets class

Depends on the asset type

Commission (per account type)

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

Beginners to experienced traders

Beginners to experienced

Deposit & Withdrawal Options

Deposit Methods

bank transfers, credit and debit cards, e-wallets

Credit card, debit card, wire transfer, and e-wallets

Withdrawal Methods

bank transfers, credit and debit cards, e-wallets

Credit card, debit card, wire transfer, and e-wallets

Other E-Wallets Supported

Skrill, Neteller

Skrill, Neteller, WebMoney,

Tools & Educational Resources

Economic Calendar

Yes

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

Educational Articles and Market Articles

Trading platform tutorials, Trading rules, Webniars, Blogs, Trading online strategies

Fees & Commissions

Trading-Related Fees

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

Spread: 0.9 pips

Spread (typical, fixed, variable)

Variable

Typical

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)

1:400

Non-Trading Fees

Dormant Fees

Charges apply 12 months of inactivity

$50 inactive for 3 month

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)

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

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.

Sunday Night (GMT) until Friday night (GMT)

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: +1 212 9419609, E-mail upon request , Live chat

Support Languages

14+

Additional Information

Headquarters Location

Poland

Five Lamps Place Amien Street Dublin 1, IE

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

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

New traders may find XTB interface more welcoming, while AvaTrade appeals to experienced users looking for tools like heatmaps, screeners, and market sentiment overlays.

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

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