Choose Swissquote if you want…
High-net-worth EU traders wanting Swiss bank-grade safety + integrated banking alongside trading.
Swissquote
⭐ 4.6 / 5
VS
XTB
⭐ 4.6 / 5
Swissquote vs XTB — which broker is better in 2026?
We compared Swissquote and XTB across five core criteria: regulation, minimum deposit, spreads, platform choice, and overall user rating. XTB wins on more criteria (2 categories vs 1), making it the stronger default for most traders. Both brokers remain reputable, independently tier-1 regulated options.
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| Swissquote | XTB | Winner | |
|---|---|---|---|
| Rating | ⭐ 4.6 / 5 | ⭐ 4.6 / 5 | Tie |
| Regulators | FINMA, FCA, DFSA, SFC HK, CySEC, MFSA | FCA, CySEC, KNF Poland, DFSA, BaFin, IFSC Belize | Tie |
| Min. deposit | $1,000 | $0 (no minimum) | XTB |
| Spreads from | 1.1 pips (Standard) / 0.6 pips (Premium) / 0.0 pips (Prime) | 0.5 pips (Standard) | XTB |
| Max. leverage | Up to 1:30 (EU retail) / 1:100 (Pro) | Up to 1:30 (EU retail) / 1:500 (offshore) | — |
| Platforms | Advanced Trader, MT4, MT5, Swissquote Mobile | xStation 5, xStation Mobile, MT4 | Swissquote |
| Founded | 1996 | 2002 | — |
| HQ | Gland, Switzerland | Warsaw, Poland | — |
Pros & cons compared
Swissquote pros
- ✓ Founded 1996 — Swiss bank with full FINMA banking license
- ✓ Listed on SIX Swiss Exchange (SQN) — full audited financials
- ✓ Swiss bank-grade segregation + capital adequacy
- ✓ 3 million+ products: forex, CFDs, stocks, ETFs, options, crypto
- ✓ Award-winning Advanced Trader proprietary platform
Cons
- ✗ $1,000 minimum deposit — higher than most retail brokers
- ✗ Spreads on Standard account uncompetitive (1.1+ pips)
- ✗ Lower leverage caps even for offshore entities
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 — Swissquote or XTB?
Based on five comparison criteria (regulation, deposit, spreads, platforms, overall rating), XTB wins 2 categories. That makes it the stronger default choice — though both brokers remain reputable, independently tier-1 regulated options.
Is Swissquote more regulated than XTB?
Swissquote holds licenses from: FINMA, FCA, DFSA, SFC HK, CySEC, MFSA. XTB holds licenses from: FCA, CySEC, KNF Poland, DFSA, BaFin, IFSC Belize. Both brokers have the same number of regulatory licenses; the specific regulators differ.
What are the spreads at Swissquote vs XTB?
Swissquote spreads start from 1.1 pips (Standard) / 0.6 pips (Premium) / 0.0 pips (Prime). XTB spreads start from 0.5 pips (Standard). Actual spreads vary by account type and market conditions.
Which has a lower minimum deposit, Swissquote or XTB?
Swissquote: $1,000. XTB: $0 (no minimum). XTB has the lower entry barrier.