FXTM Review 2026: Fees, Spreads & Account Types (Tested)

FXTM (ForexTime) is a globally regulated forex and CFD broker founded in 2011, offering trading on MT4, MT5, and its mobile app. It provides multiple account types, low minimum deposits, and access to forex, commodities, indices, stocks, and crypto CFDs. With FCA and CySEC regulation, segregated funds, and negative balance protection, FXTM remains a trusted broker for both beginner and advanced traders in 2026.

FXTM or ForexTime is a forex and CFD broker that has developed a solid reputation since it was established in 2011. The broker is continuously increasing its product range, regulatory spread, and trading delivery systems over the last ten years, which make it a reliable option for millions of traders around the globe. FXTM offers a variety of instruments, such as forex pairs, indices, commodities, stocks, and cryptocurrencies, to both beginners and professional traders in flexible account types and trading terms.

FXTM still retains its strong regulatory framework, multi-platform, and accessibility across the whole world. Our BrokersProfile FXTM review 2026 examines major factors of the broker, such as its account types, spreads and charges, platform functionalities, market solutions, customer services, and teaching materials, its strengths, and weaknesses. On analyzing these features, traders can understand whether FXTM is a viable and competitive choice with regard to their trade requirements currently or not.

What Is FXTM?                                             

FXTM (ForexTime) is an online broker that allows trading of forex, CFDs on stock markets, commodities, precious metals, stocks, and a variety of cryptocurrencies through well-known trading platforms such as MetaTrader 4 (MT4), MetaTrader 5 (MT5). It also has an in-house FXTM Trader mobile application. FXTM has a broad international presence with target markets for retail traders, beginners, and intermediate to advanced traders.

Regulatory licenses and regional offices in numerous jurisdictions enable the broker to provide a variety of account options and flexible trading conditions to its clients in many regions of the world.

Is FXTM a Legit Company?

FXTM Regulation Coverage

FXTM is covered by a multi-jurisdictional regulatory framework, which increases its credibility and ensures investor protection. Here are the key regulators overseeing FXTM's operations as of 2026:

• FCA (UK) Financial Conduct Authority (host regulator, Tier 1)
• FSCA (South Africa) - Financial Sector Conduct Authority
• FSC(Mauritius)Financial Services Commission
• CMA (Kenya) Capital Markets Authority
• SCA (UAE) — Securities and Commodities Authority

This multi-jurisdictional oversight will make sure that FXTM complies with high financial standards, transparency requirements, and security of clients’ funds. Thus, UK-regulated clients can receive compensation through FSCS up to £85000 in case of broker insolvency. This protection is not available for the clients located other than UK, registered under the Mauritius FSC or other offshore entities. Traders should verify their account oversight before depositing their investment.  

Security Practices

FXTM is very concerned about the safety of the trader and the security of his/her assets, so several measures are provided to ensure the security of their funds and personal data. Segregated client accounts, where all the client money is kept in reputable banks, are one of the major practices. This implies that the client's money is safe and cannot be used to cover company costs.

Also, most of the regulated entities of FXTM have negative balance protection, which prevents market volatility issues by imposing a surprise debt on a trader.

The company is also using the SSL encryption for its platforms and websites to protect personal information and the trading activities, as well as applies rigorous account verification. All these security practices result in more secure trading operations, especially in leveraged products such as forex and CFDs, where the preservation of capital and the security of data are very important to traders.

Types of Accounts

FXTM can provide a range of account types that suit different profiles and capital requirements of the traders:

Generally, the collection of accounts offered by FXTM allows the company to target small-budget traders as well as individuals who want to enjoy the benefits of ECN/advantage terms and professional trading.

FXTM Trading Platforms & Tools

FXTM has the most popular trading platforms in the industry:

MetaTrader 4 (MT4)

The FXTM MetaTrader 4 (MT4) platform is a traditional and popular forex trading platform that offers a stable and familiar environment to all traders. It has sophisticated charting software, a large variety of technical indicators, and the ability to support automated trading with Expert Advisors (EAs), and lets traders use both manual and algorithmic strategies. The simple layout and overall functionality of the product enable the use of MT4 by both beginners in the field of forex trading to learn the ropes, as well as by experienced traders who may have complex strategies to implement.

MetaTrader 5 (MT5)

MetaTrader 5 (MT5) is a refined version of MT4, which enables access to a greater variety of markets with more types of orders available as well as longer timeframes. These improvements render MT5 exceptionally appropriate to traders seeking multi-asset trading, such as forex, stocks, commodities, and indices, to have greater flexibility and advanced trading techniques than the traditional MT4 platform.

FXTM Trader App

The FXTM Trader is the proprietary mobile application of FXTM, enabling traders to administer their accounts and transact any type of trading on the move using any kind of mobile phone. The app is also easy to use and quick, allowing traders to track markets, make orders, and manage positions effectively regardless of their location on their desktop, making it a handy tool for both active and casual traders.

Trading Tools

FXTM Tools to Improve the Trading Decisions

FXTM is not cTrader or TradingView-based; nevertheless, it has all the necessary tools that the majority of retail traders might need.

• Economic calendar: Monitor major market events and economic announcements in real time.
• Advanced charting and technical indicators: Analyze price movements and create strategies in a thorough manner.
• Market analysis and trading insights: Access expert educational resources and commentary in order to make informed decisions.
• Trading calculators: Calculate pip, margin, and profit with correct risk and position management.

FXTM Deposit and Withdrawal Methods

FXTM has secure and convenient payment methods to suit traders in various parts of the world. The broker has a strong financing framework which favors the conventional banking as well as the advanced digital payment systems.

Deposits through most methods are made in real-time or it takes a few minutes and hence the traders are able to trade immediately after deposit. High speed deposits are especially useful to traders who need to seize an opportunity of the moment in the market.

Supported Payment Methods

• Bank Wire Transfer
• Visa and Mastercard
• Skrill
• Neteller
• Perfect Money
• WebMoney
• Local payment methods (region-specific)

Deposit and Withdrawal — Actual Costs and Times

What We Found During Our Testing at BrokersProfile (March 2026):

During our testing on March 11, 2026, we deposited $250 via Skrill and $150 via Visa card to its Advantage account. Our Skrill and card deposit were made instantly within a minute, and FXTM didn’t charge any fee on any deposit. We tested our withdrawal on March 16, 2026 by withdrawing $150 via Skrill and $80 via Visa. We received Skrill withdrawal within 4 hours, and Visa withdrawal in 3 business days to appear on card – we consider it a standard processing time. We were charged $3 for card withdrawal, while Skrill withdrawal was free.

It is worth noting that FXTM charges a $3 processing fee on each withdrawal or deposit under $30, which is small but frustrating for beginners who are planning to start with minimum $10 on Micro account. If you want to start with small amount, BrokersProfile recommend to use Skrill or Neteller to avoid fee.   

  How FXTM withdrawal speeds compare:

P.S: FXTM does not impose any internal deposit fees in a number of occasions. Nevertheless, third-party payment vendors or banks can charge their transaction costs. Before commencing transactions, traders are expected to review policies on fees of their payment providers.

Another strategy employed by the broker is tight security and verification measures to ensure that withdrawals are made only to original source of funds so that it may secure the traders against fraud or unauthorized access. The compliance with the international financial regulations by the broker will involve identity verification and payment confirmation.

FXTM Investment Opportunities and FXTM Copy Trading

FXTM has a system called FXTM Invest by which investors could follow the trades of professional strategy managers by copying them automatically. Although this availability can vary in different regions, the concept continues to be one of the popular forms of passive trading in the forex market.

In our testing, we used FXTM Invest and identified that this setup is straightforward. Traders can browse strategy managers, explore their risk score, drawdowns, and track record, and then invest money. We followed two experts in a week, one was diversified and one forex-focused, copying them was simple and quick.

Where it stands out:

• It has clear stats of returns, max drawdown, and history of copiers.
• It offers minimum investment opportunity starts from $100/strategy manager.
• Easy diversification to follow different strategy managers to invest your capital.

What we didn't like:

• There is no way to contact the strategy manager directly – while on eToro, you can interact with traders you copy.
• If you deposit or withdraw funds, it will close all positions and reopen at market price, which means you need to pay spreads and commissions again on your overall portfolio. It is a hidden cost, most of the traders don’t actually expect.    
• Adding or withdrawing funds forces all positions to close and reopen at market price, meaning you pay spreads and commissions again on your entire portfolio. That's a hidden cost most traders won't expect

P.S: FXTM Invest was discontinued in some regions of the world since 2024. It is recommended to check its availability in your region and as per your registered entity.

Honest recommendations from BrokersProfile: Traders shouldn’t consider copy trading as a profit machine. We have seen traders complaining about this on different broker review sites. The situation in the market can shift rapidly and even the more experienced traders might suffer. Before allocating funds, investors should always consider the performance of a strategy provider, its level of risk, and trading style. To use FXTM Invest, follow different managers, don’t invest more than you can afford to lose, check historical record of at least 12 months.

FXTM Mobile Trading Experience

FXTM has a proprietary FXTM Trader app and the standard MetaTrader 4/5 mobile app. The FXTM Trader App was created to satisfy this need and deliver an easy mobile trading experience. These apps can be used on Android and iOS devices and have a user-friendly interface to enable traders to manage accounts as well as open trades, track market movements and even trade tools through their smartphones.

During our testing FXTM, we found it simple, fast, and useful to manage positions instantly. You can execute trade in one-tap that doesn’t lag, charts work smoothly, and push notifications keep coming instantly during a volatile London session. We identified that app syncs with MT accounts, so if you place orders on desktop they seamlessly carry over on mobile app. We tested it by opening a EUR/USD position on MT5 desktop app and managed it on our mobile app effortlessly.  

What we liked: We were able to deposit and withdraw directly with FXTM mobile app, which is time saving. It has best interactive charts with internal indicators as compared to other broker apps. However, it is not as powerful as desktop MT5, but best for quick analysis and trade management.  

What we don’t like: FXTM mobile app doesn’t support TradingView integration and advanced charting. You will need to use its desktop interface for detailed technical analysis. You can consider it an execution and management tool, and not as a full replacement of desktop interface.   

FXTM Bonuses and Promotions

Certain FXTM organizations might have trading incentive plans or deposit bonuses or loyalty plans depending on the geographical location of the trader. A number of regulators including the FCA and CySEC doesn’t allow any promotional bonuses on retail traders. Offshore entities (Mauritius, Kenya) typically have more promotions available.

Promotions may include:

• Deposit bonus campaigns
• Trading contests
• Cashback or rebate programs
• Referral rewards

During our testing in March 2026, we noticed a deposit bonus and a weekly trading contest through the Mauritius region. We at BrokersProfile.com, we recommend checking the FXTM promotions page directly for more active offers available in your regions. You should read the terms and conditions carefully. Most of the bonuses come with trading volume requirements before you can withdraw them.

Who Should Choose FXTM?

FXTM is an ideal fit if you:

• Want to start with just $10 on a Micro account and practice trading with demo account and learn through educational resources
• Want 60+ currency pairs with tight spreads from 0.0 pips on advantage accounts
• Want your broker regulated with strong jurisdiction (FCA & FSCS) with incentive protection upto £85,000
• Need mobile flexibility to manage trade execution, deposits and position on the go
• Want copy trading access to follow best trading strategy managers and earn profits  

FXTM is not good if you:

• Want wide range of asset selection as FXTM doesn’t support futures, ETFs and have limited crypto as compared to PrimeXBT or Interactive Brokers
• Want cost-effective withdrawals as FXTM charges $3 card fee and bank wire fee worth €30, where Exness offers $0 fee
• Want trading platforms other than MT such as TradingView or cTrader integration
• Don’t trade frequently and avoid inactivity fee for a longer time as FXTM charges inactivity fee after 6 months @$5/month
• Want your broker must have a CySEC/EU coverage

Trade Markets and Instruments

FXTM has a fair selection of core market asset classes, but these are smaller than those of certain multi-asset brokers. Here's what's available:

We tested EUR/USD, XAU/USD, and a few other stock CFDs and didn’t face any issues. The execution was simple and smooth with the availability of required instruments. FXTM offers 60+ forex pairs and real US stocks that most of the other brokers don’t offer.

Where FXTM falls short: It doesn’t offer ETFs, options, and futures. If you are using PrimeXBT or Interactive Brokers, expecting the availability of hundreds of instruments in every asset class, FXTM is not your broker. The crypto selection is also thin, however, works well for a rapid ETH or BTC positions, but, not as close to as other competitive crypto exchanges offer.

FXTM is not suitable for traders who want a diverse portfolio and want multi-asset coverage.

FXTM Spreads, Fees & Costs

During our testing, we observed FXTM spreads on its both account types during London-New York session in March 2026. Here is what you actually need to pay:

Spreads & Commissions by Account Type

During our testing, we got EUR/USD spreads consistently on Advantage account near 0.0 pips during peak hours. We got charged with the $7 round-trip commission, which was total cost/lot we paid. It is a competitive cost as compared to most ECN brokers. On most trader pairs like EUR/USD, XAU/USD and EUR/GBP, spreads are typically zero.    

The Advantage Plus account has a different story as we received EUR/USD spreads around 1.9 pips, which we consider higher than the industry average of around 1.2 pips. It is expensive for a commission-free account, which means you will pay more than the Advantage account.  

Other Fees

How FXTM costs compare to some of the brokers we've reviewed:

Our Honest Review at BrokersProfile: We found FXTM Advantage account competitive, better than most of the competitors. It offers around $7/lot total cost with raw spreads. However, the Advantage Plus account is expensive at around $19 per lot as compared to Derive and PrimeXBT that offer commission-free accounts at around $5-$7 per lot. If you want to choose FXTM, we recommend going with the Advantage account. The Advantage Plus account is suitable for those who want commission-free feature, and don’t bother paying 3x more per trade.

P.S: Advantage Plus account suggests better trading conditions as compared to the Advantage account, but it is very expensive option. We recommend to verify all details before investing money.

FXTM Leverage & Execution

FXTM offers some of the highest leverage in overall trading industry. It offers leverage up to 1:3000 on metals and forex on its offshore entities. However, it depends on the jurisdiction region you are registered that determines how much leverage you receive.

Leverage by Jurisdiction

FXTM uses a DMR (Dynamic Margin Requirement) system, which decreases leverage on temporary basis from 1:3000 to 1:200 when high-volatility events such as big financial releases or market closure happen. Even if it is a risk protection feature applied by FXTM, but it becomes annoying to traders when they don’t expect their margin requirements suddenly goes 3x in the middle of the trade positions. Additionally, you can also reduce your leverage in account settings – a useful feature that most of the brokers don’t offer.    

Execution Quality

FXTM claims to provide a trade execution speed of approximately 71ms. However, it may varies depending on the market conditions, account type, or server load. FXStreet tested orders and recorded execution speed between 373 and 435ms for market orders. During out testing at BrokersProfile on March 15, 2026, we placed XAU/USD and EUR/USD market and limit orders through FXTM Advantage account. Our market orders filled instantly without any delay, while limit orders triggered at the specified price with no slippage during London session. We didn’t test requotes on any of our orders.    

FXTM uses two execution models depending on account type:

How FXTM execution compares:

BrokersProfile’s honest review: For most of the retail trading strategies, the Advantage account execution is best including scalping, day trading, and swing trading. To get genuine and quick market pricing, the ECN/STP model is available on Advantage account with no dealing desk intervention. For high-frequency scalpers who frequently trade, it might be annoying to wait for 71 milliseconds. PrimeXBT is winning the game for around 7.12ms if you are comparing raw execution speed.   

FXTM Education

FXTM offers webinars and video tutorials, eBooks, and frequent market analysis and trade insights, thereby keeping the traders updated and making better-informed decisions. When we tested its educational resources, we found its content useful for beginners. It has comprehensive guides on forex basic, risk management, and candlestick patters, which are simple, easy to learn and follow. Acuity (an FCA-regulated signals provide) provide outstanding market analysis with special trade ideas with stop-loss, take-profit, and entry levels at different times of the day, which is practical and genuine.

One drawback is the specification of content for beginners, if you an advanced or intermediate trader looking for detailed and comprehensive algorithmic trading guides, strategy breakdowns, in-depth risk management framework, you will need to explore educational content from other brokers. Another thing we notices is: FXTM webinar library is getting thin and limited since 2022. As compared to other brokers we reviewed, FXTM is better in educational material than PrimeXBT, but falling behind Exness for not having structured material.    

FXTM Customer Support

FXTM provides 24/5 multilingual customer service and support 24/5, including live chat, phone, and email, the customers may find assistance easily whenever they need it. We tested FXTM like chat during our March 2026 review, we found the response time fast (within 2 minutes) and representative was expert and well-informed to our queries regarding commission calculation on the Advantage account. We got accurate and clear answers instantly.

We actually liked and valued the fact that each FXTM assign a dedicated account manager to each client if they over $5000 deposit. Most of the brokers don’t offer this level of personal support FXTM offers.

Where it falls short: It doesn’t offer 24/7 support. If you are facing any problem during weekend, you won’t get any customer support till Monday. On the other hand, Exness and PrimeXBT offers round-the-clock support. Additionally, you don’t get any community forum or social trading feed to interact with other fellow traders.      

Risk Management Tools

FXTM offers in-depth risk management tools including margin monitoring, stop-loss, take-profit available with real-time alerts before liquidation. Most of its entities offer negative balance protection, which ensure you don’t lose more than you own. It also has built-in calculators for pip value, profit/loss, and margin, useful to plan pre-trading, specifically for beginners who are learning correct size positions.   

FXTM Trading Insights

FXTM publishes various market research materials, commentary, technical analysis, economic news, and trading information that can enable traders to keep up with the occurrences in the international markets. What makes it different is the availability of Acuity-powered Signal Centre on client portal. Traders can get take-profit, stop-loss, and entry levels on forex, stocks, commodities, and indices, which is more practical than other brokers publish.  

The resources assist traders to know how economic events including, interest rate decision, inflation report, and geopolitical developments may affect the financial markets. Also, the economic calendar that FXTM offered in its services assists a trader to follow the major events in the world like:

• Central bank announcements
• Employment reports
• GDP releases
• Inflation data

Not institutional-grade, but useful for traders who want a quick daily briefing before the session opens so they base their trading strategies on fundamental analysis.

FXTM vs Other Forex Brokers

Here's how FXTM stacks up against brokers we've tested at BrokersProfile:

Winning points: FXTM has a robust regulatory oversight of the four regulators (FCA Tier-1). It offers highest leverage (1:3000) available in the industry and best Advantage account pricing around $7 per lot with raw spreads.

Losing points: FXTM charges withdrawal fee on all of its methods, where Exness doesn’t charge anything, additionally, with $5/month inactivity fee after 6 months. It doesn’t support TradingView and cTrader integration. The Advantage Plus account is quite expensive at $19 per lot as compared to Deriv and PrimeXBT that offer commission-free accounts at $5-$7 per lot.

Our Verdict: If you are looking for FCA regulation and raw ECN spreads, FXTM Advatage account is best as Exness Raw Spread account. If you need zero withdrawal fee with low-cost spreads, Exness is a better option. For crypto futures and multi-asset features, go with PrimeXBT.   

Pros & Cons — FXTM 2026

Pros

• Strong Tier-1 regulation — FCA (UK) license with up to £85,000 FSCS protection, plus FSCA, FSC, CMA, and SCA licenses across five jurisdictions
• Raw spreads from 0.0 pips — Advantage account delivers ~$7/lot total cost, competitive with Exness Raw Spread
• Low entry barrier — $10 minimum on Micro accounts, $200 on Advantage
• Leverage up to 1:3000 — highest among brokers we've reviewed, with dynamic margin protection during volatile events
• MT4, MT5, and FXTM Trader app — solid platform coverage with Pro Trading Tools add-ons and Acuity-powered trade signals
• Negative balance protection and segregated funds — client money held separately, can't lose more than your deposit
• Actionable market research — Acuity Signal Centre delivers specific trade setups with entry, stop-loss, and take-profit levels daily

Cons

• Advantage Plus account is overpriced — ~$19/lot on EUR/USD when competitors offer $5–$7 commission-free
• Withdrawal fees on every method — $3 on cards, €30 on bank wire, $3 surcharge on transactions under $30. Exness charges $0
• Inactivity fee kicks in at 6 months — $5/month, shorter than most competitors (Deriv: 12 months, Exness/PrimeXBT: none)
• No CySEC license since 2023 — European retail traders no longer have MiFID II protection through FXTM
• Limited asset range — no ETFs, no futures, no options. Forex-focused traders won't mind, but portfolio diversifiers will
• No cTrader or TradingView — only MetaTrader and the FXTM mobile app. Feels dated compared to brokers offering multiple platform choices
• Clone scam risk — fraudulent websites impersonating FXTM exist in some regions. Always verify you're on the official site before depositing
• FXTM Invest discontinued in some regions — copy trading availability depends on your entity and location

Conclusion: FXTM in 2026

FXTM will be a trusted and diverse broker by 2026 that will attract both new and advanced traders. It offers a well-regulated structure, account variety, trading platforms, and comprehensive educational content for beginners that have made it a good option for forex and CFD trading. FXTM is a solid broker — but it's not the cheapest, not the most feature-rich, and not for everyone. Here's the quick decision framework:

At BrokersProfile, we rate FXTM as a strong choice for forex-focused traders who value regulation and raw ECN pricing. The Advantage account is genuinely competitive. Just skip the Advantage Plus — it's overpriced — and go straight to Advantage if your budget allows the $200 minimum. And always verify you're on the official FXTM website before depositing — clone scam sites exist.