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

Broker Name

XTB

Fineco Bank

Broker Overview

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

Market maker

Years of Existence / Established Year

2002

1999

Customer Base / Number of Accounts

2 Million

1.4M

Regulation & Security

Regulations (governing bodies)

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

FCA, PRA Bank of Italy and Consob

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,

Winner of EMAS Italia 2023 Best in ESG in MF investment and advisor awards 2023 Sustainability leaders 2023

Security Measures

FSCS

SIPC & FSCS

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Yes

NBP for derivatives not available for professional traders

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

11400+ trading instruments, including an investment plan

6000+ financial products including ETCs

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)

Equities

Yes

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

MT5

cTrader

Social Trading

Copy Trading

Other Trading Platforms (proprietary, etc.)

X station

PowerDesk Fineco App

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Yes (except iOS)

Account Types & Conditions

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

Standarad, Professional

Fineco Account Trading Account

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

Euro 0

Leverage Available

1:2 to 1:500

100:1

Trade Limit (maximum per trade)

Depends on assets class

CFDs Min 2% to Max 6% for intraday trading Min 7% to Max 100% for multiday trading

Commission (per account type)

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

Beginners to experienced traders

Beginners & experienced

Deposit & Withdrawal Options

Deposit Methods

bank transfers, credit and debit cards, e-wallets

Bank transfer Credit / Debit cards

Withdrawal Methods

bank transfers, credit and debit cards, e-wallets

Bank 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

Margination Automatic Orders Multicurrency Multiple Filters Remunerated Portfolio Video guides & online webinars

Fees & Commissions

Trading-Related Fees

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

CFD Stocks - Euro 0 CFD Indices - Euro 0 CFD Commodities -Euro 0 CFD Forex - Euro0 CFD Crypto -Euro 0 Knock out - Euro 0 ETF promotion -Euro 0 Certificates - Euro 0 Euro 3.95 per order on investments

Spread (typical, fixed, variable)

Variable

Per Lot Fees

0.08% per lot, or 0.16% per round turn

Up to Euro 0.85 and $1 per lot

Options Contract Fees

IDEM options - Euro 1.95 EUREX Options - Euro 1.95 CBOE Options - $1.95

Futures Contract Fees

Futures IDEM - Euro 1.95 EUREX Futures - Euro 0.95 CME Futures - $1

Markup Fees on Spread

Guaranteed Stop Loss Fees

Maximum Leverage

(1:500)

100:1

Non-Trading Fees

Dormant Fees

Charges apply 12 months of inactivity

Euro 0

Subscription Fees (for premium features, data feeds)

0.25%

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

Account Opening Fee

Account Maintenance Fee

Euro 2.95 per month

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)

Yes

Trading Hours

Trading Hours (for each asset class if applicable)

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

Depends on the assets type

Customer Support

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

(24/5)

24/5

Customer Support Methods (phone, email, live chat)

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

UK - 08006406667 Abroad - +44 (0) 20 7065 7557 Monday to Friday, from 10:00 am to 6:30 pm.Email: mailto:[email protected]

Support Languages

Additional Information

Headquarters Location

Poland

Rivoluzione d'Ottobre 16, Reggio Emilia, Italy 42123

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

If speed and simplicity matter to you, XTB delivers a streamlined account setup. In contrast, Fineco Bank includes more documentation and KYC checks, which can delay access but ensures strong compliance.

XTB excels in real-time trade execution with minimal latency, whereas Fineco Bank complements its execution with strong analytical modules and educational support within the platform.

Advanced users will enjoy XTB capabilities, but Fineco Bank remains a favorite for its streamlined and beginner-centric approach.

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