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Compare trust, fees, platforms, and withdrawals. See the trade-offs and details worth checking before you choose.
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The comparison reads the same evidence fields used by broker profiles, so users can scan scores, regulation, costs, platforms, withdrawals, and caveats side by side.
| VS field | ![]() | |
|---|---|---|
Decision summary | ||
| Overall score | ||
85 |
89 |
| Trust score | 82 | 90 |
|---|
| Cost score | 84 | 94 |
|---|
| Platform score | 88 | 94 |
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| Withdrawal score | 89 | 86 |
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| Best for | Best for CFD traders who want a polished proprietary platform plus MT4/MT5/TradingView access and broad CFD market coverage, but users must check their regional entity because cry… | Strong low-cost multi-asset and CFD broker, but regional/entity differences are material: leverage, NBP, investor compensation, fees and country acceptance must be rendered per ju… |
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| Watch out | Needs verification | Needs verification |
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Trust & regulation | ||
|---|---|---|
| Regulators | Regulated across five jurisdictions including SCB, CySEC, FCA, ASIC and UAE CMA/SCA; exact client entity depends on region. Source | FSC Belize, KNF Poland, FCA UK, CNMV Spain and CySEC Cyprus are disclosed across official XTB pages. Source |
| License numbers | SCB SIA-F245; CySEC 319/17 and 463/25; FCA 793714; ASIC AFSL 513393; UAE CMA 20200000176. Source | Key disclosed numbers: FSC Registration No. 6442514 / FSC License No. 000302/438; FCA FRN 522157; CySEC CIF 169/12; UK company number 07227848. Source |
| Regulated entities | Multiple regional entities; international Bahamas entity, EU CySEC entities, UK FCA entity, Australia ASIC entity and UAE MENA entity. Source | XTB Group entities include XTB International Limited (Belize/FSC), XTB S.A. (Poland/KNF), XTB Limited (UK/FCA), XTB Sucursal (Spain/CNMV), and XTB Limited (Cyprus/CySEC). Source |
| Negative balance protection | Retail NBP likely applies where required by regulation; Pro clients may lose more than deposit. Source | Negative balance protection is available for UK retail clients under XTB Limited, but international pages warn that losses can exceed deposits; treat as regional/entity dependent. Source |
| Investor compensation | ICF for CySEC entities; enhanced insurance up to $1,000,000 above $20,000 for some clients; regional/entity caveats apply. Source | UK retail clients may be entitled to FSCS compensation up to GBP 85,000; Cyprus legal page lists an Investor Compensation Fund document; international Belize compensation not found. Source |
| Restricted countries | EU site not directed at residents of United States, Canada and Belgium or any country outside EEA where use would violate law; UAE page says products not available to embargoed or sanctioned countries. Source | XTB only accepts clients where it operates and with appropriate permits; XTB International accepted-country list is limited from March 2026; Brazil page is not created for Brazilian residents. Source |
Costs & account conditions | ||
|---|---|---|
| Minimum deposit | Minimum deposit is regional/method-dependent; 10 USD/EUR/GBP for bank cards and Apple Pay on en-int fees page, wire 50 EUR equivalent. Source | No minimum deposit on the international page; UK page lists 0 GBP / no minimum deposit. Source |
| Spread from | Spreads are dynamic and by instrument; not a fixed broker-level 'from' value. Source | Minimum spread is 0.5 on the international page and 0.3 on the UK page, so it is region/entity dependent. Source |
| Commission | Trading commission: NO FEE for CFD page; no commission charged on positions in business-model page. Source | Stocks/ETFs are commission-free up to EUR 100,000 monthly turnover, then 0.2% min EUR 10; CFD trading commission is advertised as 0%, with product-specific fees/markups in the fee table. Source |
| Maximum leverage | Retail leverage is jurisdiction/product-dependent; Pro max leverage up to 500:1 for selected markets. Source | Leverage is region/product dependent: international pages state a maximum of 1:500 for individual clients; UK account page states 1:30; real stocks and ETFs are not leveraged. Source |
| Deposit fee | Deposit fee: NO FEE on official fees pages; banks/payment providers may apply own fees. Source | XTB advertises deposits as free, but international online payment fees include Skrill 2% and Neteller 1%; bank/payment-provider fees may apply. Source |
| Withdrawal fee | Withdrawal fee: NO FEE on official fees pages; banks/payment providers may apply own fees. Source | International withdrawals above 50 USD are free and below 50 USD cost 30 USD; UK withdrawals are free; detailed fee table lists additional method-specific fees. Source |
| Inactivity fee | Not found in checked official fee pages. Source | Account maintenance is free for active clients; otherwise a monthly fee of 10 EUR may be charged when stated inactivity conditions are met. Source |
Markets, platforms & payments | ||
|---|---|---|
| Tradable assets | 5,500+ markets across forex, shares, indices, commodities and more; specific classes include indices, shares, commodities, forex, bonds, interest rates and cryptocurrency. Source | Official pages list real stocks and ETFs, Investment Plans, and CFDs on forex, indices, commodities, stocks/ETFs and cryptocurrencies. Source |
| Trading platforms | Proprietary web/mobile platforms plus MT4, MT5 and TradingView, subject to eligibility, region and account type. Source | XTB promotes an award-winning mobile application and web platform; account pages list Mobile, Desktop, Tablet availability and web app links go to xStation5. Source |
| Account types | Retail and demo accounts; eligible clients may apply for Professional status; platform-specific MT4/MT5 accounts are created within Capital.com; regional stock investing is limited. Source | XTB markets one simple account, offers swap-free accounts for certain eligible countries/entities, and offers a free training/demo account. Source |
| Deposit methods | Funding options include traditional bank transfer, debit/credit card, Apple Pay/Google Pay and UAE Lean direct bank transfer. Source | Deposits are available by card, bank transfer, and online payments including Skrill and Neteller on the international page; UK page lists cards and bank transfer. Source |
| Withdrawal methods | Withdrawals generally return to the deposit method up to deposited amount; profits require a verified bank account. Source | Main withdrawal route on pages is a bank account in the client's name; the international fee table also lists withdrawal fees for credit cards and Skrill/Neteller/PayRetailers, implying availability in some contexts. Source |
| Withdrawal processing time | 99% processed within 24 hours; may take up to 5 business days to reach account. Source | Withdrawal processing is same/next business day on official pages, with UK payment allocation up to 3 business days. Source |
BrokerVS provides broker comparison research only. Scores and evidence can vary by country, account type, and legal entity; users should verify source links before opening an account.