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XTB vs Oanda : Fees, Safety & Trading Conditions Compared (2026)
Broker Name
XTB
Oanda
Broker Overview
Broker Type (e.g., Market Maker, ECN/STP)
Market maker
Market maker
Years of Existence / Established Year
2002
1996
Customer Base / Number of Accounts
2 Million
50M
Regulation & Security
Regulations (governing bodies)
FCA, KNF, CySEC, DFSA, BaFin, FSCA, and FSC.
CFTC / NFA FCA MAS CIRO ASIC FSA FSC in the BVI
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,
Broker of the year by TradingView Awards 2023 Most popular broker 3 years in a row in TradingView Awards 2020, 2021, 2022
Security Measures
FSCS
SIPC
SSL Encryption / 2FA
Yes
Yes
Segregated Funds
Yes
Yes
Negative Balance Protection
Yes
Yes
Trading Instruments/Products Offered
Assets Types / Trading Instruments (total count and breakdown)
11400+ trading instruments, including an investment plan
68+ major currency pairs
Currency Pairs
Yes
Yes
Commodities
Yes
Yes
Indices
Yes
Yes
Cryptocurrencies
Yes
Yes
CFDs
Yes
Yes
ETFs
Yes
Yes
Stocks
Yes
Yes
Options
No
Yes
Futures
No
Yes
Bonds
No
Yes
Mutual Funds
No
No
Fractional Shares
Exchange Traded Notes (ETNs)
No
No
Precious Metals
Yes
Yes
Real Estate Investment Trusts (REITs)
No
No
Equities
Yes
Yes
Trading Platforms & Technology
Trading Platform Availability
Yes
Yes
MT4
No
Yes
MT5
No
No
cTrader
No
No
Social Trading
No
Copy Trading
No
Yes
Other Trading Platforms (proprietary, etc.)
X station
Oanda Mobile and Tablet apps
Platform Compatibility (Windows, Mac, iOS, Android)
Yes
Yes
Account Types & Conditions
Account Types (Retail, Pro, VIP, etc.)
Standarad, Professional
Standard account Corporate account Professional trading account
Demo Account (Yes/No)
Yes
Yes
Islamic Accounts (Yes/No)
Yes
Yes
Minimum Deposit
$0
$0
Leverage Available
1:2 to 1:500
50:1
Trade Limit (maximum per trade)
Depends on assets class
Varies by instrument
Commission (per account type)
$0
Standard - $50/M Premium - $50/M Premium Plus - $40/M
Best Suited For (e.g., beginners, experienced traders)
Beginners to experienced traders
Only experienced
Deposit & Withdrawal Options
Deposit Methods
bank transfers, credit and debit cards, e-wallets
Bank Wire Transfer ACH Debit card
Withdrawal Methods
bank transfers, credit and debit cards, e-wallets
Debit card Bank Wire transfer
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
Technical Analysis Premium MetaTrader Tools MT5 comes with inbuilt signal alerts, using latest NLP technology Spreads calculators
Fees & Commissions
Trading-Related Fees
Spread 0.1 to 0.8 pips, Stock transfer fee- USD 25, ETF commission- 0.2%
Spread starts from 0.0, commission- $30 per 1M
Spread (typical, fixed, variable)
Variable
Typical
Per Lot Fees
0.08% per lot, or 0.16% per round turn
NA
Options Contract Fees
NA
NA
Futures Contract Fees
NA
NA
Markup Fees on Spread
NA
NA
Guaranteed Stop Loss Fees
NA
NA
Maximum Leverage
(1:500)
50:1
Non-Trading Fees
Dormant Fees
Charges apply 12 months of inactivity
10 units of the currency for inactivity atleast 12 months.
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
$0
Swap Fees (Overnight Financing)
No
Vary on instruments and change on a daily basis
Statement or Document Fee
$0
$0
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%
0.50%
Withdrawal Fee
$0 - above $50, £5 or $20 fee for withdrawals below £50 or $50
USD - First withdrawal fee in a calendar month Bank transfer / wire transfer - $20 Debit card - no feeUSD - additional withdrawals in a calendar month Bank transfer / wire transfer - fee + $15 Debit card - $15ACH - No fee
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.
All FX products - Sunday 17:05 - Friday 16:59 Cryptocurrency - 24/7
Customer Support
Support Hours (e.g., 24/7, weekdays only)
(24/5)
24x5
Customer Support Methods (phone, email, live chat)
Phone: +48 222 739 976, Live chat, E-mail: [email protected]
Email: mailto:[email protected] Monday to Friday - 8:00 to 20:00 CET Poland (+48)799366830 Malta (+356)20345018 Spain (+34)910479707 France (+33)182884361 Germany (+49)6995019607
Support Languages
10
4
Additional Information
Headquarters Location
Poland
Dashwood House 64, Old Broad Street London EC2M 1QS
Complaints (for crypto brokers)
No
No
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