Is XTB a better overall broker than FXTM?

Based on our independent rating system, XTB edges out FXTM with a score of 3.8 out of 5 compared to FXTM's 3.6 out of 5. XTB's advantage largely comes from its zero minimum deposit, commission-free pricing, and broader market range. That said, FXTM remains a strong contender for traders who prioritise regulatory breadth or higher leverage, so the ideal choice depends on your personal trading priorities.

Which broker offers cheaper trading costs, XTB or FXTM?

Both brokers advertise spreads starting from 0.1 pips, putting them on similar footing at the headline level. However, XTB does not charge any per-trade commission, while FXTM applies a $0.5 per lot commission on top of its spreads. This makes XTB the more cost-effective option overall, particularly for frequent or high-volume traders.

How much money do I need to start trading with XTB or FXTM?

XTB has no minimum deposit requirement, meaning you can open an account and start trading with any amount you're comfortable committing. FXTM requires a minimum deposit of $10, which is still low by industry standards but represents a small barrier that XTB doesn't impose.

Are XTB and FXTM both properly regulated and safe to use?

Yes, both brokers hold tier-1 regulatory licences, giving traders a solid baseline of protection. XTB is regulated by the FCA and CySEC, while FXTM extends its coverage further with FCA, CySEC, and FSCA licences. FXTM's additional FSCA licence gives it slightly broader jurisdictional coverage for traders based in or around South Africa.

What trading platforms can I use with XTB compared to FXTM?

XTB offers its own proprietary web and mobile platforms alongside MT4 support, giving traders a modern in-house alternative plus compatibility with popular automated trading tools. FXTM instead focuses on the industry-standard MT4 and MT5 combination, which suits traders who rely on existing expert advisors or third-party MetaTrader plugins.

Which broker offers higher leverage, XTB or FXTM?

FXTM offers considerably higher maximum leverage at up to 1:2000, compared to XTB's cap of 1:500. While higher leverage can amplify potential returns, it also significantly increases risk, so traders should approach FXTM's higher leverage ceiling with careful risk management practices in place.

Can I trade cryptocurrencies with both XTB and FXTM?

XTB supports crypto trading as part of its six-asset-class offering, which also includes Forex, CFDs, Stocks, Indices, and Commodities. FXTM, on the other hand, covers five asset classes but does not currently list cryptocurrency trading among its available markets, making XTB the better choice for crypto-curious traders.

Is it possible to open accounts with both XTB and FXTM at the same time?

Yes, there's nothing stopping you from holding accounts at both XTB and FXTM simultaneously. Many traders choose to diversify across multiple brokers to take advantage of different platform strengths, market access, or leverage options depending on their specific trading strategy.

Which broker is better suited for complete beginners?

XTB is generally the more beginner-friendly option thanks to its zero minimum deposit requirement, commission-free pricing structure, and intuitive proprietary platforms. FXTM's $10 minimum deposit and added commission fees make it slightly less accessible, though it's still a manageable entry point for newer traders willing to explore MT4 and MT5.

Reviewed by Experts Updated 8/19/2026

XTB vs FXTM: Which Broker Wins in 2026?

XTB and FXTM are both established, well-regulated brokers, but they cater to slightly different trading priorities. Our independent research gives XTB the edge overall, thanks to its zero minimum deposit and stronger proprietary platform suite, while FXTM counters with broader regulatory coverage and higher leverage ceilings.

OVERALL WINNER

XTB

3.8 / 5Score: 3 / 4

Zero minimum deposit and commission-free trading make XTB the most accessible tier-1 regulated broker for new and cost-conscious traders alike.

Min deposit: $0
Max leverage: 1:500
Spread from: 0.1 pips
Regulators: FCA, CySEC

Visit Broker

FXTM

3.6 / 5Score: 1 / 4

FXTM delivers broader multi-jurisdiction regulation and leverage up to 1:2000 for traders who want higher-risk flexibility.

Min deposit: $10
Max leverage: 1:2000
Spread from: 0.1 pips
Regulators: FCA, CySEC, FSCA

Visit Broker

Overall Winner

XTB

Best for Beginners

XTB

Lowest Fees

XTB

Top Regulation

FXTM

Full comparison Fees & Accounts Pros & cons Verdict Summary FAQ

Side-by-side comparison

Core features compared head-to-head.

Feature	X XTB	F FXTM
Overview
Rating	3.8 / 5	3.6 / 5
Founded	2002	2011
Headquarters	Warsaw, Poland	Limassol, Cyprus
Regulation	FCA, CySEC	FCA, CySEC, FSCA
Fees & Limits
Min Deposit	$0	$10
Spreads From	0.1 pips	0.1 pips
Commission	None	$0.5/lot
Max Leverage	1:500	1:2000
Platforms & Markets
Trading Platforms	Proprietary Web, Proprietary Mobile, MT4	MT4, MT5
Markets Offered	Forex, Cfd, Stocks, Indices, Commodities, Crypto	Forex, Cfd, Stocks, Indices, Commodities

Pros & cons

XTB

Pros

Highest overall rating in this comparison at 3.8/5
No minimum deposit required to open an account
Fully commission-free trading structure
Wider range of tradable markets including crypto
Modern, intuitive proprietary platform suite
No deposit or withdrawal fees charged
Strong tier-1 regulatory oversight via FCA and CySEC

Cons

Maximum leverage capped lower than FXTM at 1:500
Only two regulatory licences compared to FXTM's three
No MT5 platform support offered
Narrower regulatory footprint outside FCA and CySEC jurisdictions

FXTM

Pros

Broader regulatory coverage with FCA, CySEC and FSCA licences
Significantly higher maximum leverage at 1:2000
Widely trusted MT4 and MT5 platform ecosystem
Low minimum deposit of just $10
No deposit or withdrawal fees charged
Established broker with operations since 2011

Cons

Lower overall rating than XTB at 3.6/5
Charges a $0.5 per lot commission on top of spreads
No proprietary platform or crypto market access
Requires a minimum deposit unlike XTB's $0 threshold
Lower overall score of 1/4 versus XTB's 3/4

Our expert verdict

Editor's verdict

Overall winner XTB

Lowest fees XTB

Best regulation FXTM

Better for beginners XTB

XTB is our top pick in this matchup, earning a 3.8/5 rating versus FXTM's 3.6/5 on our independent scoring system. XTB wins on accessibility (no minimum deposit), commission-free pricing, and a wider range of tradable markets. FXTM remains competitive for traders who value multi-jurisdiction regulatory coverage and ultra-high leverage, but for most retail traders, XTB delivers the stronger all-round package.

Regulation & Safety

Both brokers are regulated by tier-1 authorities, giving traders a reasonable baseline of confidence in fund security and operational transparency. XTB is licensed by the FCA and CySEC, two of the most respected regulatory bodies in the retail trading industry.

FXTM extends its regulatory footprint further, holding licences from the FCA, CySEC, and the FSCA in South Africa. This broader jurisdictional spread makes FXTM a slightly more flexible option for traders operating from regions where FSCA oversight is relevant.

That said, both brokers meet the tier-1 threshold that most serious retail traders look for, so neither should be considered a safety risk. The difference here is really about breadth of coverage rather than depth of protection.

Fees, Spreads & Commissions

On paper, both brokers advertise spreads starting from 0.1 pips, putting them on equal footing at the headline level. However, XTB pairs this with a fully commission-free structure, meaning traders are not charged any additional per-lot fee on top of the spread.

FXTM, by contrast, charges a $0.5 per lot commission on certain account types, which can add up for high-volume traders even though its raw spreads are competitive. Neither broker charges deposit or withdrawal fees, which is a welcome point of parity.

For cost-conscious traders, especially those trading frequently or in larger volumes, XTB's commission-free model gives it a clear practical advantage over FXTM's blended spread-plus-commission approach.

Account Accessibility & Minimum Deposit

XTB requires no minimum deposit at all, making it exceptionally accessible for beginners or traders who want to test the platform with a smaller amount of capital before committing further funds.

FXTM sets its minimum deposit at $10, which is still low by industry standards, but it's a barrier XTB simply doesn't impose. This small gap can matter for newer traders who want maximum flexibility over their starting capital.

In terms of pure accessibility, XTB is the more welcoming option for those just entering the market.

Trading Platforms & Tools

XTB provides its own proprietary web and mobile platforms alongside MT4 support, giving traders a modern, in-house alternative to the industry-standard software. This proprietary suite is often praised for its intuitive charting and order execution tools.

FXTM sticks to the well-established MT4 and MT5 combination, offering traders the familiarity and extensive third-party ecosystem that comes with the MetaTrader suite, including a large library of expert advisors and custom indicators.

Traders who prefer cutting-edge proprietary tools may lean toward XTB, while those who want the broadest compatibility with existing MT4/MT5 strategies and plugins may find FXTM's platform lineup more suitable.

Markets, Leverage & Product Range

XTB offers a slightly wider market range, covering Forex, CFDs, Stocks, Indices, Commodities, and Crypto, six asset classes in total. FXTM covers five of these same categories but does not list crypto among its offerings.

On leverage, FXTM pulls ahead significantly, offering up to 1:2000 compared to XTB's 1:500 cap. This makes FXTM more appealing to experienced traders comfortable with higher-risk, higher-leverage strategies, though such leverage levels demand careful risk management.

Overall, XTB wins on breadth of markets while FXTM wins on leverage flexibility, so the right choice here depends heavily on individual trading style and risk appetite.

Our Verdict

When we weigh all the factors together, XTB comes out ahead with an overall rating of 3.8/5 against FXTM's 3.6/5. XTB's combination of zero minimum deposit, commission-free trading, and a broader market selection makes it the stronger all-round choice for most retail traders.

FXTM is far from a weak alternative, it remains a solid pick for traders who specifically want multi-regulator oversight or access to very high leverage ratios. Both brokers are safe, tier-1 regulated options worth shortlisting.

Ultimately, beginners and cost-sensitive traders should lean toward XTB, while traders chasing higher leverage or additional regulatory jurisdictions may find FXTM better suited to their needs.

Verdict summary

The bottom line — category winners and our final pick based on ratings.

Editor's verdict

XTB wins overall

XTB edges out FXTM overall based on our expert rating score.

Highest Rated

XTB

3.8 / 5 / 5

Visit XTB

Category winners

Overall winner
Based on overall expert rating (3.8/5).
XTB
Better for beginners
Stronger onboarding and educational resources.
XTB
Lower trading costs
More competitive spreads and baseline commissions.
XTB
Stronger regulation
Higher trust based on tier-1 regulatory oversight.
FXTM

Frequently asked questions

Risk warning: Trading CFDs and forex involves significant risk of loss and is not suitable for all investors. Please consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.