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XTB vs Pepperstone : Fees, Safety & Trading Conditions Compared (2026)
Broker Name
XTB
Pepperstone
Broker Overview
Broker Type (e.g., Market Maker, ECN/STP)
Market maker
ECN broker
Years of Existence / Established Year
2002
2010
Customer Base / Number of Accounts
2 Million
400,000 traders
Regulation & Security
Regulations (governing bodies)
FCA, KNF, CySEC, DFSA, BaFin, FSCA, and FSC.
FCA, ASIC, DFSA, CySEC, CMA, BaFin, and SCB
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,
2024 Forex Broker of the Year by BrokerWahl.de, TradingView Social Champion 2023
Security Measures
FSCS
FSCS
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
1200+ trading assets including shares, currencies indices
Currency Pairs
Yes
Yes
Commodities
Yes
Yes
Indices
Yes
Yes
Cryptocurrencies
Yes
Yes
CFDs
Yes
Yes
ETFs
Yes
Yes
Stocks
Yes
No
Options
No
No
Futures
No
No
Bonds
No
No
Mutual Funds
No
No
Fractional Shares
Exchange Traded Notes (ETNs)
No
No
Precious Metals
Yes
No
Real Estate Investment Trusts (REITs)
No
No
Equities
Yes
No
Trading Platforms & Technology
Trading Platform Availability
Yes
Yes
MT4
No
Yes
MT5
No
Yes
cTrader
No
Yes
Social Trading
Yes
Copy Trading
No
Yes
Other Trading Platforms (proprietary, etc.)
X station
Pepperstone proprietary platform
Platform Compatibility (Windows, Mac, iOS, Android)
Yes
Yes
Account Types & Conditions
Account Types (Retail, Pro, VIP, etc.)
Standarad, Professional
Standard and Razor account
Demo Account (Yes/No)
Yes
Yes
Islamic Accounts (Yes/No)
Yes
Yes
Minimum Deposit
$0
$0
Leverage Available
1:2 to 1:500
1:20 to 1:500
Trade Limit (maximum per trade)
Depends on assets class
100 lots trading size
Commission (per account type)
$0
Razor account - $3, Standard account -$0
Best Suited For (e.g., beginners, experienced traders)
Beginners to experienced traders
Beginner to experienced traders
Deposit & Withdrawal Options
Deposit Methods
bank transfers, credit and debit cards, e-wallets
Credit/debit card, Bank transfer, e-wallets, Union pay, USDT
Withdrawal Methods
bank transfers, credit and debit cards, e-wallets
Credit/debit card, Bank transfer, e-wallets, Union pay, USDT
Other E-Wallets Supported
Skrill, Neteller
Neteller,skrill, PayPal
Tools & Educational Resources
Economic Calendar
Yes
Yes
Tools & Educational Resources (tutorials, webinars, market news, etc.)
Educational Articles and Market Articles
Trading Education Online Courses, Market Analysis and Insights, Webinars, Trading Guides and eBooks, Video Tutorials, The Daily Fix Market News and Analysis, Pepperstone Blog Trading Insights
Fees & Commissions
Trading-Related Fees
Spread 0.1 to 0.8 pips, Stock transfer fee- USD 25, ETF commission- 0.2%
Spread-1.2 pips
Spread (typical, fixed, variable)
Variable
Variable
Per Lot Fees
0.08% per lot, or 0.16% per round turn
Razor account: $3.50 per lot, Raw account: $7 per lot, cTrader:$6 round trip per unit, TradingView: $7 roundtrip per unit
Options Contract Fees
NA
NA
Futures Contract Fees
NA
NA
Markup Fees on Spread
NA
1 pip on FX pairs
Guaranteed Stop Loss Fees
NA
Charges apply
Maximum Leverage
(1:500)
1:500
Non-Trading Fees
Dormant Fees
Charges apply 12 months of inactivity
$0
Subscription Fees (for premium features, data feeds)
NA
NA
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
NA
Swap Fees (Overnight Financing)
No
Yes
Statement or Document Fee
$0
NA
Account Opening Fee
$0
NA
Account Maintenance Fee
$0
NA
Deposit Fee
$0- Bank transfer, Visa, Mastercard, or Maestro, 2% fee for deposits via Skrill.
$0
Currency Conversion Fee
0.50%
Razor Account- $29.36, Standard Account - $48.12, Swap-free Account $58.78
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
No
Trading Hours
Trading Hours (for each asset class if applicable)
22:00 on Sunday to 21:00 on Friday GMT.
VIX 00:01 - 23:59 (Opens Monday 01:00; Friday close 23:55), NAS100 01:00 - 23:15, 23:30 - 23:59 (Closes Friday 23:55), HK Share CFDs 4:30-7:00, 8:00-11:00, US Share CFDs 16:31 - 22:55
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: +1786 628 1209, Email: [email protected], Live chat
Support Languages
10
8+
Additional Information
Headquarters Location
Poland
Melbourne, Australia
Complaints (for crypto brokers)
No
No
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