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

Broker Name

XTB

XTB

VS
Trading.com

Trading.com

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Broker Overview

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

Market maker

None

Years of Existence / Established Year

2002

2019

Customer Base / Number of Accounts

2 Million

Info not available


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Regulation & Security

Regulations (governing bodies)

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

NFA CFTC 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,

Fastest growing FX broker (USA) by World Finance Forex Awards 2024

Security Measures

FSCS

Info not available

SSL Encryption / 2FA

Yes

Yes

Segregated Funds

Yes

Yes

Negative Balance Protection

Yes

Yes


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Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

11400+ trading instruments, including an investment plan

Forex 50+ CFDs of Stocks 1000+

Currency Pairs

Yes

Yes

Commodities

Yes

Yes

Indices

Yes

Yes

Cryptocurrencies

Yes

No

CFDs

Yes

Yes

ETFs

Yes

Yes

Stocks

Yes

Yes

Options

No

Yes

Futures

No

Yes

Bonds

No

No

Mutual Funds

No

No

Fractional Shares

Yes

No

Exchange Traded Notes (ETNs)

No

No

Precious Metals

Yes

Yes

Real Estate Investment Trusts (REITs)

No

No

Equities

Yes

Yes


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Trading Platforms & Technology

Trading Platform Availability

Yes

Yes

MT4

No

No

MT5

No

Yes

cTrader

No

No

Social Trading

No

No

Copy Trading

No

No

Other Trading Platforms (proprietary, etc.)

X station

Web Trader App

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Yes


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Account Types & Conditions

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

Standarad, Professional

The T1 account

Demo Account (Yes/No)

Yes

Yes

Islamic Accounts (Yes/No)

Yes

No

Minimum Deposit

$0

$50

Leverage Available

1:2 to 1:500

1:50

Trade Limit (maximum per trade)

Depends on assets class

Trade size vary on each asset

Commission (per account type)

$0

Only spreads

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

Beginners to experienced traders

Beginners & experienced


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Deposit & Withdrawal Options

Deposit Methods

bank transfers, credit and debit cards, e-wallets

Bank transfer ACH

Withdrawal Methods

bank transfers, credit and debit cards, e-wallets

ACH Bank wire transfer

Other E-Wallets Supported

Skrill, Neteller

No


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Tools & Educational Resources

Economic Calendar

Yes

Yes

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

Educational Articles and Market Articles

Video tutorials Glossary Forex calculators Research portals


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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

Variable

Per Lot Fees

0.08% per lot, or 0.16% per round turn

NA

Options Contract Fees

NA

$0

Futures Contract Fees

NA

$0

Markup Fees on Spread

NA

NA

Guaranteed Stop Loss Fees

NA

NA

Maximum Leverage

(1:500)

1:50


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Non-Trading Fees

Dormant Fees

Charges apply 12 months of inactivity

$0

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

NA

Swap Fees (Overnight Financing)

No

$0

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.

$13 for bank wire deposit under $250

Currency Conversion Fee

0.50%

$0

Withdrawal Fee

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

$13 for bank wire deposit under $250 ACH withdrawals free


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Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Yes

Customer Benefits (e.g., Retirement Plan)

No

Yes


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Trading Hours

Trading Hours (for each asset class if applicable)

22:00 on Sunday to 21:00 on Friday GMT.

Sunday 17:05 - Friday 16:50 ETTokyo session begins at 19:00 ET London session begins at 03:00 ET New York session begins at 08:00 ET


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Customer Support

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

(24/5)

24/5 support service

Customer Support Methods (phone, email, live chat)

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

Live chat Email: [email protected] Tel: 1-833-FX1-0250

Support Languages

10

1


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Additional Information

Headquarters Location

Poland

85, Broad street, New York, NY 10004, USA

Complaints (for crypto brokers)

No

No


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, Trading.com includes some charges for premium features and certain asset trades, making XTB the better option for budget-focused traders.
Creating an account with XTB is generally faster and more user-friendly, often taking just a few minutes, while Trading.com requires more detailed steps and identity verification, which may suit more cautious investors.
XTB integrates well with algorithmic trading tools and third-party plugins. In contrast, Trading.com emphasizes educational content and built-in research features within its platform.
XTB caters to serious traders who value advanced features, whereas Trading.com appeals to beginners due to its user-friendly platform.

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