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XTB vs Charles Schwab : Fees, Safety & Trading Conditions Compared (2026)
Broker Name
XTB
Charles Schwab
Broker Overview
Broker Type (e.g., Market Maker, ECN/STP)
Market maker
STP broker
Years of Existence / Established Year
2002
1971
Customer Base / Number of Accounts
2 Million
No information
Regulation & Security
Regulations (governing bodies)
FCA, KNF, CySEC, DFSA, BaFin, FSCA, and FSC.
NFA, SFC, MAS, FCA, CFTC, 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,
Best Online Broker 2024, Best customer Service
Security Measures
FSCS
SIPC
SSL Encryption / 2FA
Yes
Yes
Segregated Funds
Yes
Yes
Negative Balance Protection
Yes
No
Trading Instruments/Products Offered
Assets Types / Trading Instruments (total count and breakdown)
11400+ trading instruments, including an investment plan
Money market Funds, Index funds, Bonds and fixed products, Annuities, Bank and borrowing, International stocks, Margin loans, Insurance, Securities lending fully paid
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
No
Mutual Funds
No
Yes
Fractional Shares
Exchange Traded Notes (ETNs)
No
Yes
Precious Metals
Yes
Yes
Real Estate Investment Trusts (REITs)
No
No
Equities
Yes
Yes
Trading Platforms & Technology
Trading Platform Availability
Yes
Yes
MT4
No
No
MT5
No
No
cTrader
No
No
Social Trading
No
Copy Trading
No
No
Other Trading Platforms (proprietary, etc.)
X station
Schwab.com Web Trading Platform, StreetSmart Edge (advanced platform), StreetSmart Central (for options traders), Schwab Trading Powered by Ameritrade, thinkorswim Trading Platforms
Platform Compatibility (Windows, Mac, iOS, Android)
Yes
Yes
Account Types & Conditions
Account Types (Retail, Pro, VIP, etc.)
Standarad, Professional
Brokerage and Trading, Retirement Accounts (IRAs), Education and Custodial, Personal Choice Retirement, Small Business, Accounts by Financial Goal
Demo Account (Yes/No)
Yes
Yes
Islamic Accounts (Yes/No)
Yes
No
Minimum Deposit
$0
$0
Leverage Available
1:2 to 1:500
No
Trade Limit (maximum per trade)
Depends on assets class
Depends on order and trading session
Commission (per account type)
$0
$0
Best Suited For (e.g., beginners, experienced traders)
Beginners to experienced traders
Long term and active traders
Deposit & Withdrawal Options
Deposit Methods
bank transfers, credit and debit cards, e-wallets
ACH, Wire Transfer, Check deposit
Withdrawal Methods
bank transfers, credit and debit cards, e-wallets
ACH, Wire Transfer, Check deposit
Other E-Wallets Supported
Skrill, Neteller
No
Tools & Educational Resources
Economic Calendar
Yes
Yes
Tools & Educational Resources (tutorials, webinars, market news, etc.)
Educational Articles and Market Articles
Insights and Education, Trading, Market Commentary, Planning and retirement, Media
Fees & Commissions
Trading-Related Fees
Spread 0.1 to 0.8 pips, Stock transfer fee- USD 25, ETF commission- 0.2%
Commission -$0 online stock, ETF, and options trade, Commission is $75 - $50 fee + $25 assistance fees, broker-assisted trades- $25 service fee
Spread (typical, fixed, variable)
Variable
Variable
Per Lot Fees
0.08% per lot, or 0.16% per round turn
NA
Options Contract Fees
NA
$0.65
Futures Contract Fees
NA
$2.25 per contract.
Markup Fees on Spread
NA
NA
Guaranteed Stop Loss Fees
NA
NA
Maximum Leverage
(1:500)
No
Non-Trading Fees
Dormant Fees
Charges apply 12 months of inactivity
$0
Subscription Fees (for premium features, data feeds)
NA
$0
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
Schwab Wealth Advisory- Starts at 0.80%- 1.0%
Swap Fees (Overnight Financing)
No
Yes
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
Withdrawal Fee
$0 - above $50, £5 or $20 fee for withdrawals below £50 or $50
$0
Bonuses, Promotions & Benefits
Bonuses, Promotions, and Referrals
Yes
Yes
Customer Benefits (e.g., Retirement Plan)
No
Yes
Trading Hours
Trading Hours (for each asset class if applicable)
22:00 on Sunday to 21:00 on Friday GMT.
Regular Trading Session: 9:30 AM to 4:00 PM Eastern Time (ET), Pre-Market Session: between 8:05 AM ET, After-Hours Session: 7:00 AM to 9:25 AM ET
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: 800-435-4000, Chat, FAQs
Support Languages
10
2
Additional Information
Headquarters Location
Poland
Westlake, Texas
Complaints (for crypto brokers)
No
No
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