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

Broker Name

XTB

Spreadex

Broker Overview

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

Market maker

STP

Years of Existence / Established Year

2002

1999

Customer Base / Number of Accounts

2 Million

60,000+ traders

Regulation & Security

Regulations (governing bodies)

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

FCA

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 Spread Betting Broker - by Good Money Guide Awards 2024 Best Mobile Trading App 2024 - ADVFN International Financial Awards

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 assets

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Futures

Bonds

Yes

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

Spreadex TradingView

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

Standarad, Professional

Spread betting Financial trading

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

€0

Leverage Available

1:2 to 1:500

30:1

Trade Limit (maximum per trade)

Depends on assets class

Varies by instrument

Commission (per account type)

€2.50 per lot

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

Easy Bank transfer UK Debit cards Credit card E-wallets

Withdrawal Methods

bank transfers, credit and debit cards, e-wallets

Bank Transfer Credit / Debit Cards

Other E-Wallets Supported

Skrill, Neteller

Apple Pay

Tools & Educational Resources

Economic Calendar

Yes

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

Educational Articles and Market Articles

Customisable platform 35+ technical indicators Price alerts

Fees & Commissions

Trading-Related Fees

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

Spread starts from 0.6 pips

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)

30:1

Non-Trading Fees

Dormant Fees

Charges apply 12 months of inactivity

1 per month

Subscription Fees (for premium features, data feeds)

€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)

Yes

Statement or Document Fee

€0

Account Opening Fee

€0

Account Maintenance Fee

€0

Deposit Fee

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

€0

Currency Conversion Fee

0.50%

Info not available

Withdrawal Fee

$0 - above $50, £5 or $20 fee for withdrawals below £50 or $50

€0

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.

Monday: 24 hours Tuesday: 24 hours Wednesday: 24 hours Thursday: 24 hours Friday: 00:00 to 21.15 Saturday: Closed Sunday: 21:00 to 00:00Out of Hours trading: US stock market between 2:30pm to 9pm

Customer Support

Support Hours (e.g., 24/7, weekdays only)

(24/5)

7 days a week 8:00am to 5:30pm

Customer Support Methods (phone, email, live chat)

Phone: +48 222 739 976, Live chat, E-mail: [email protected]

Financial Desk: 08000 526 570 +44 (0) 727 895 151General Enquiries: +44 (0) 727 895 000E mail: [email protected]

Support Languages

Additional Information

Headquarters Location

Poland

Churchill House, Upper, Marlborough Road, St Albans, Hertfordshire, AL1 3UU

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.

While XTB maintains low trading fees with no minimum deposit, Spreadex includes some charges for premium features and certain asset trades, making XTB the better option for budget-focused traders.

If speed and simplicity matter to you, XTB delivers a streamlined account setup. In contrast, Spreadex includes more documentation and KYC checks, which can delay access but ensures strong compliance.

The trading interface of XTB is known for its speed and ease-of-use, while Spreadex shines with its customizable layouts and advanced charting capabilities, making it a strong choice for serious analysts.

XTB strength lies in high-performance trading, while Spreadex provides a more accessible route for everyday investors.

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