Choose TopFX if you want…
cTrader traders wanting a CySEC-regulated broker with institutional-grade liquidity and tight raw spreads.
TopFX
⭐ 3.4 / 5
VS
XTB
⭐ 4.6 / 5
TopFX vs XTB — which broker is better in 2026?
We compared TopFX 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.
| TopFX | XTB | Winner | |
|---|---|---|---|
| Rating | ⭐ 3.4 / 5 | ⭐ 4.6 / 5 | XTB |
| Regulators | CySEC, FSA Seychelles | FCA, CySEC, KNF Poland, DFSA, BaFin, IFSC Belize | XTB |
| Min. deposit | $50 | $0 (no minimum) | XTB |
| Spreads from | 0.0 pips (Raw) | 0.5 pips (Standard) | TopFX |
| Max. leverage | 1:30 (EU) / 1:500 | Up to 1:30 (EU retail) / 1:500 (offshore) | — |
| Platforms | cTrader, MT4, MT5 | xStation 5, xStation Mobile, MT4 | Tie |
| Founded | 2010 | 2002 | — |
| HQ | Limassol, Cyprus | Warsaw, Poland | — |
Pros & cons compared
TopFX pros
- ✓ CySEC-regulated, established since 2010
- ✓ cTrader specialist with raw spreads from 0.0 pips
- ✓ Also an institutional liquidity provider — deep pricing
- ✓ Offshore entity offers leverage up to 1:500
- ✓ Low $50 minimum deposit on raw accounts
Cons
- ✗ Best features sit on cTrader rather than MT4/MT5
- ✗ Lower retail brand awareness than tier-1 ECN names
- ✗ EU clients capped at 1:30 leverage
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
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 — TopFX 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 TopFX more regulated than XTB?
TopFX holds licenses from: CySEC, FSA Seychelles. XTB holds licenses from: FCA, CySEC, KNF Poland, DFSA, BaFin, IFSC Belize. XTB has more regulatory licenses, giving it broader geographic coverage.
What are the spreads at TopFX vs XTB?
TopFX spreads start from 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, TopFX or XTB?
TopFX: $50. XTB: $0 (no minimum). XTB has the lower entry barrier.
