We compared FXTM and XTB across five core criteria: regulation, minimum deposit, spreads, platform choice, and overall user rating. XTB wins on more criteria (3 categories vs 1), making it the stronger default for most traders. Both brokers remain reputable, independently tier-1 regulated options.
| FXTM | XTB | Winner | |
|---|---|---|---|
| Rating | ⭐ 4.4 / 5 | ⭐ 4.6 / 5 | XTB |
| Regulators | FCA, CySEC, FSCA, FSC Mauritius | FCA, CySEC, KNF Poland, DFSA, BaFin, IFSC Belize | XTB |
| Min. deposit | $10 | $0 (no minimum) | XTB |
| Spreads from | 0.0 pips (ECN Zero) | 0.5 pips (Standard) | FXTM |
| Max. leverage | Up to 1:30 (EU retail) / 1:1000 (offshore) | Up to 1:30 (EU retail) / 1:500 (offshore) | — |
| Platforms | MT4, MT5, FXTM Trader app | xStation 5, xStation Mobile, MT4 | Tie |
| Founded | 2011 | 2002 | — |
| HQ | Limassol, Cyprus / Mauritius | Warsaw, Poland | — |
Beginners and emerging-market traders who want low deposits, tight ECN spreads and strong local support.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% of retail investor accounts lose money when trading CFDs with FXTM. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
EU traders wanting an LSE-listed, multi-regulated broker with the best proprietary platform in retail and a strong stock-trading complement.
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.
FXTM holds licenses from: FCA, CySEC, FSCA, FSC Mauritius. XTB holds licenses from: FCA, CySEC, KNF Poland, DFSA, BaFin, IFSC Belize. XTB has more regulatory licenses, giving it broader geographic coverage.
FXTM spreads start from 0.0 pips (ECN Zero). XTB spreads start from 0.5 pips (Standard). Actual spreads vary by account type and market conditions.
FXTM: $10. XTB: $0 (no minimum). XTB has the lower entry barrier.
General risk warning: CFDs are leveraged products.
CFDs are leveraged. Your capital is at risk.
CFDs are leveraged. Your capital is at risk.
69% of retail accounts lose money.
CFDs are leveraged. Your capital is at risk.
73% of retail accounts lose money.
CFDs and FX Options entail risk of loss.
