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

Broker Name

XTB

FXCM

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

No information

Regulation & Security

Regulations (governing bodies)

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

FCA, CySEC, ASIC, FSCA, ISA

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 In Class 2024 - ForexBrokers.com

Security Measures

FSCS

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

10,000+ trading instruments shares

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Futures

Bonds

Mutual Funds

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

Yes

MT5

cTrader

Social Trading

Yes

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

X station

Trading station, Trading View Pro

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

Standarad, Professional

Standard, Active trading, Spread betting, Professional

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

$50

Leverage Available

1:2 to 1:500

30:1 to 1000:1

Trade Limit (maximum per trade)

Depends on assets class

50 million per trade

Commission (per account type)

$ 4 / lot

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

Beginners to experienced traders

Active and experienced traders

Deposit & Withdrawal Options

Deposit Methods

bank transfers, credit and debit cards, e-wallets

Debit/Credit Card Via mobile app, Bank wire, China online payment, Crypto

Withdrawal Methods

bank transfers, credit and debit cards, e-wallets

Debit/Credit Card, Bank Wire, Local Bank Transfer, and Online Bank Transfer.

Other E-Wallets Supported

Skrill, Neteller

Skrill, Neteller, Google pay, Apple pay

Tools & Educational Resources

Economic Calendar

Yes

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

Educational Articles and Market Articles

Education, Trading Guides, Trading Tools, Research

Fees & Commissions

Trading-Related Fees

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

Spread- 1.3 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)

1000:1

Non-Trading Fees

Dormant Fees

Charges apply 12 months of inactivity

$50

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

$30

Swap Fees (Overnight Financing)

Statement or Document Fee

Account Opening Fee

Account Maintenance Fee

$25

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.

Varies by product

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]

WhatsApp: +44 7537 432259 (message only), Email: [email protected], Live chat, Request a call

Support Languages

Additional Information

Headquarters Location

Poland

London, United Kingdom

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.

XTB stands out for its zero-commission trading model, appealing to cost-conscious investors. In contrast, FXCM offers more comprehensive services with slightly higher fees, especially for advanced tools and asset classes.

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

XTB provides a modern trading experience with its proprietary or MT4 platform, ideal for technical traders. FXCM, on the other hand, offers more research tools and is better suited for data-driven investors.

XTB caters to serious traders who value advanced features, whereas FXCM appeals to beginners due to its user-friendly platform.

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