Choose Forex.com if you want…
US-resident traders + multi-jurisdictional traders wanting a major publicly-listed broker with deep market access.
Forex.com
⭐ 4.5 / 5
VS
XTB
⭐ 4.6 / 5
Forex.com vs XTB — which broker is better in 2026?
We compared Forex.com and XTB across five core criteria: regulation, minimum deposit, spreads, platform choice, and overall user rating. XTB wins on more criteria (3 categories vs 2), making it the stronger default for most traders. Both brokers remain reputable, independently tier-1 regulated options.
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| Forex.com | XTB | Winner | |
|---|---|---|---|
| Rating | ⭐ 4.5 / 5 | ⭐ 4.6 / 5 | XTB |
| Regulators | CFTC/NFA, FCA, ASIC, FSA Japan, MAS, CIMA, FSCA | FCA, CySEC, KNF Poland, DFSA, BaFin, IFSC Belize | Forex.com |
| Min. deposit | $100 | $0 (no minimum) | XTB |
| Spreads from | 0.8 pips (Standard) / 0.0 pips (RAW) | 0.5 pips (Standard) | XTB |
| Max. leverage | Up to 1:30 (EU retail) / 1:50 (US) | Up to 1:30 (EU retail) / 1:500 (offshore) | — |
| Platforms | MT4, MT5, Web Trader, TradingView, MotiveWave | xStation 5, xStation Mobile, MT4 | Forex.com |
| Founded | 2001 | 2002 | — |
| HQ | Bedminster, New Jersey / London | Warsaw, Poland | — |
Pros & cons compared
Forex.com pros
- ✓ Tier-1 regulated in 7 jurisdictions including US CFTC/NFA
- ✓ Part of StoneX Group (NASDAQ-listed) — audited financials
- ✓ Multi-platform: MT4, MT5, Web Trader, TradingView, MotiveWave
- ✓ 5,000+ instruments incl. share CFDs from 30+ global exchanges
- ✓ Strong institutional research + market analysis
Cons
- ✗ Spreads on Standard account wider than RAW + commission accounts
- ✗ $100 minimum deposit
- ✗ Inactivity fee of $15/month after 12 months dormant
XTB pros
- ✓ Listed on Warsaw Stock Exchange (XTB) — audited financials
- ✓ FCA + CySEC + KNF + DFSA + BaFin regulation
- ✓ Proprietary xStation 5 platform consistently ranked #1 in EU broker surveys
- ✓ Zero commission on real stocks/ETFs up to €100K/month
- ✓ No minimum deposit
Cons
- ✗ Spreads on Standard account (0.5–1.0 pips) wider than pure ECN brokers
- ✗ MT4 supported but xStation is the primary platform
- ✗ No cTrader option
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Which one should you choose?
Choose XTB if you want…
EU traders wanting an LSE-listed, multi-regulated broker with the best proprietary platform in retail and a strong stock-trading complement.
Frequently asked questions
Which is better — Forex.com or XTB?
Based on five comparison criteria (regulation, deposit, spreads, platforms, overall rating), XTB wins 3 categories. That makes it the stronger default choice — though both brokers remain reputable, independently tier-1 regulated options.
Is Forex.com more regulated than XTB?
Forex.com holds licenses from: CFTC/NFA, FCA, ASIC, FSA Japan, MAS, CIMA, FSCA. XTB holds licenses from: FCA, CySEC, KNF Poland, DFSA, BaFin, IFSC Belize. Forex.com has more regulatory licenses, giving it broader geographic coverage.
What are the spreads at Forex.com vs XTB?
Forex.com spreads start from 0.8 pips (Standard) / 0.0 pips (RAW). XTB spreads start from 0.5 pips (Standard). Actual spreads vary by account type and market conditions.
Which has a lower minimum deposit, Forex.com or XTB?
Forex.com: $100. XTB: $0 (no minimum). XTB has the lower entry barrier.