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Firstrade vs XTB : Fees, Safety & Trading Conditions Compared (2026)
Broker Name
Firstrade
XTB
Broker Overview
Broker Type (e.g., Market Maker, ECN/STP)
STP broker
Market maker
Years of Existence / Established Year
1985
2002
Customer Base / Number of Accounts
1Million
2 Million
Regulation & Security
Regulations (governing bodies)
FINRA, SEC
FCA, KNF, CySEC, DFSA, BaFin, FSCA, and FSC.
Awards Won (count for the last 2 years)
Best Online Brokers, Best for Options Traders award.
Best for low cost ISA 2025, Best CFD Broker of 2025, Europe's fastest growing company 2025, Highly Recommended Finder Awards 2024,
Security Measures
SIPC
FSCS
SSL Encryption / 2FA
Yes
Yes
Segregated Funds
Yes
Yes
Negative Balance Protection
No
Yes
Trading Instruments/Products Offered
Assets Types / Trading Instruments (total count and breakdown)
2200+ ETFs including CDs, Treasury bills, Notets and bonds, Primary market CDs, Zeros and strips and more
11400+ trading instruments, including an investment plan
Currency Pairs
No
Yes
Commodities
No
Yes
Indices
Yes- Through ETFs
Yes
Cryptocurrencies
Yes- Through ETFs
Yes
CFDs
No
Yes
ETFs
Yes
Yes
Stocks
Yes
Yes
Options
Yes
No
Futures
No
No
Bonds
Yes
No
Mutual Funds
Yes
No
Fractional Shares
Exchange Traded Notes (ETNs)
Yes
No
Precious Metals
No
Yes
Real Estate Investment Trusts (REITs)
Yes
No
Equities
No
Yes
Trading Platforms & Technology
Trading Platform Availability
Yes
Yes
MT4
No
No
MT5
Yes
No
cTrader
No
No
Social Trading
No
Copy Trading
No
No
Other Trading Platforms (proprietary, etc.)
Firstrade platform
X station
Platform Compatibility (Windows, Mac, iOS, Android)
Yes
Yes
Account Types & Conditions
Account Types (Retail, Pro, VIP, etc.)
Brokerage account- Individual, Joint, Custodial, Retirement- Retirement (Traditional IRA, Roth IRA, SEP IRA), Corporate, Trust, International, Education Planning, Business Planning
Standarad, Professional
Demo Account (Yes/No)
No
Yes
Islamic Accounts (Yes/No)
No
Yes
Minimum Deposit
$0
$0
Leverage Available
No
1:2 to 1:500
Trade Limit (maximum per trade)
Depends on asset class
Depends on assets class
Commission (per account type)
$0
$0
Best Suited For (e.g., beginners, experienced traders)
Both beginners and experienced traders
Beginners to experienced traders
Deposit & Withdrawal Options
Deposit Methods
Wire Fund Transfer, Check deposit, Asset transfer, ACH electronic transfer
bank transfers, credit and debit cards, e-wallets
Withdrawal Methods
Wire Fund Transfer, Check Deposit, Asset transfer, ACH electronic transfer, Withdrawal of sales proceed
bank transfers, credit and debit cards, e-wallets
Other E-Wallets Supported
No
Skrill, Neteller
Tools & Educational Resources
Economic Calendar
Yes
Yes
Tools & Educational Resources (tutorials, webinars, market news, etc.)
Education Center, Investment Education Videos, Option Guide, Margin Guide, Webinars, Tax center, Blogs, Upcoming IPOs
Educational Articles and Market Articles
Fees & Commissions
Trading-Related Fees
Commission for stocks, ETFs, Options, Mutual funds- $0, Fixed income- Treasury Bills, Notes & Bonds, Municipal Bonds, Agency Bonds, Secondary Market CDs, Zeros & Strips- Net yield basis, Primary Market CDs- $30, Broker-Assisted Stock & Options Trades- $19.95 (+$0.50/Contract)
Spread 0.1 to 0.8 pips, Stock transfer fee- USD 25, ETF commission- 0.2%
Spread (typical, fixed, variable)
Typical
Variable
Per Lot Fees
NA
0.08% per lot, or 0.16% per round turn
Options Contract Fees
$0
NA
Futures Contract Fees
NA
NA
Markup Fees on Spread
NA
NA
Guaranteed Stop Loss Fees
NA
NA
Maximum Leverage
No
(1:500)
Non-Trading Fees
Dormant Fees
$0
Charges apply 12 months of inactivity
Subscription Fees (for premium features, data feeds)
NA
NA
Advisory Fees
0.20-0.30%
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)
NA
No
Statement or Document Fee
$2-$5
$0
Account Opening Fee
$0
$0
Account Maintenance Fee
$0
$0
Deposit Fee
$0
$0- Bank transfer, Visa, Mastercard, or Maestro, 2% fee for deposits via Skrill.
Currency Conversion Fee
3%
0.50%
Withdrawal Fee
$25-$75
$0 - above $50, £5 or $20 fee for withdrawals below £50 or $50
Bonuses, Promotions & Benefits
Bonuses, Promotions, and Referrals
Yes
Yes
Customer Benefits (e.g., Retirement Plan)
Yes
No
Trading Hours
Trading Hours (for each asset class if applicable)
Pre-Market: 8:00 AM to 9:30 AM ET Regular Market: 9:30 AM to 4:00 PM ET After-Hours: 4:05 PM to 8:00 PM ET
22:00 on Sunday to 21:00 on Friday GMT.
Customer Support
Support Hours (e.g., 24/7, weekdays only)
Monday - Friday,10am - 4pm ET
(24/5)
Customer Support Methods (phone, email, live chat)
Phone: U.S. Toll Free: 1-800-869-8800, Outside the US: 1-718-961-6600, E-mail, FAQ, Fax: 1-718-961-3919
Phone: +48 222 739 976, Live chat, E-mail: [email protected]
Support Languages
3
10
Additional Information
Headquarters Location
30-50 Whitestone Expwy. Ste. A301 Flushing, NY 11354
Poland
Complaints (for crypto brokers)
No
No
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