XTB vs Plus500 : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

XTB

Plus500

Broker Overview

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

Market maker

Years of Existence / Established Year

2002

2008

Customer Base / Number of Accounts

2 Million

20 Million

Regulation & Security

Regulations (governing bodies)

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

FCA, CYSEC, ASIC, FMA, FSCA, FSP, ISA, FSA, MAS, DFSA, FSA, 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,

Best in Class for Trust Score 2024, GLOBAL TRADING ADVFN International Financial Awards

Security Measures

FSCS

Anti-Money Laundering

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

2800+

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Yes

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

MT5

cTrader

Social Trading

Copy Trading

Other Trading Platforms (proprietary, etc.)

X station

Mobile and web trading platform

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

Standarad, Professional

Retail Account & Demo Account

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

$100

Leverage Available

1:2 to 1:500

1:30

Trade Limit (maximum per trade)

Depends on assets class

Depends on the asset type

Commission (per account type)

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

Beginners to experienced traders

Experienced traders

Deposit & Withdrawal Options

Deposit Methods

bank transfers, credit and debit cards, e-wallets

Credit, Debit, Master card, Bank transfer, e-wallets

Withdrawal Methods

bank transfers, credit and debit cards, e-wallets

Credit, Debit, Master card, Bank transfer, e-wallets

Other E-Wallets Supported

Skrill, Neteller

PayPal, Skrill

Tools & Educational Resources

Economic Calendar

Yes

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

Educational Articles and Market Articles

Trading Academy Online Courses, Market News and Analysis, Webinars, Trading Guides and eBooks, Video Tutorials, Trader's Guide Beginner's Guide

Fees & Commissions

Trading-Related Fees

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

Commission-$0

Spread (typical, fixed, variable)

Variable

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)

1:30

Non-Trading Fees

Dormant Fees

Charges apply 12 months of inactivity

$10 per month inactive for three months

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

Swap Fees (Overnight Financing)

Yes

Statement or Document Fee

Account Opening Fee

Account Maintenance Fee

Deposit Fee

$0- Bank transfer, Visa, Mastercard, or Maestro, 2% fee for deposits via Skrill.

Currency Conversion Fee

0.50%

0.70%

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.

Depends on the instrument offer

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]

Call +65 6320 1111 or +65 6320 1119, Email to Plus500's customer support, Live chat

Support Languages

32+

Additional Information

Headquarters Location

Poland

Menachem Begin 125 Tel Aviv, Israel.

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.

If minimizing trading costs is your top priority, XTB might be more attractive due to its lower commissions. Meanwhile, Plus500 justifies its moderate fees with more robust tools and professional-grade features.

XTB uses a digital-first onboarding approach with clear instructions and fast ID verification. Plus500 goes a step further with manual checks and optional account tiers, ideal for serious professionals.

While XTB focuses on mobile-first design and clean user experience, Plus500 includes features like in-depth charting, integrated news feeds, and strong desktop performance.

Advanced users will enjoy XTB capabilities, but Plus500 remains a favorite for its streamlined and beginner-centric approach.

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