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XTB vs Fineco 2021

Is Fineco better than XTB? In our analysis of 23 international regulators across 39 brokers, XTB is considered low-risk, with an overall Trust Score of 92 out of 99. Learn more about Trust Score.


CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Overall Rating

Feature XTB Fineco
Overall 4.5 4
Commissions & Fees 4.5 3.5
Offering of Investments 4.5 4.5
Platforms & Tools 4 4
Mobile Trading Apps 4.5 3.5
Research 4.5 4
Education 4 3.5
Trust Score 95 88
XTB Review Fineco Review
73% of retail CFD accounts lose money 65.11% of retail CFD accounts lose money
Winner check_circle

Regulation

Feature XTB Fineco
Trust Score 95 88
Year Founded
2002 1999
Publicly Traded (Listed)
Yes Yes
Bank
No Yes
Tier-1 Licenses
1 1
Tier-2 Licenses
3 0
Tier-3 Licenses
1 0
Authorised in the European Union
Yes Yes

Tier-1 Licenses (High Trust)

Feature XTB Fineco
ASIC Authorised (Australia)
No No
IIROC Authorised (Canada)
No No
SFC Authorised (Hong Kong)
No No
FSA Authorised (Japan)
No No
MAS Authorised (Singapore)
No No
FINMA Authorised (Switzerland)
No No
FCA Authorised (UK)
Yes Yes
CFTC Registered (USA)
No No

Tier-2 Licenses (Average Trust)

Feature XTB Fineco
CBRC Authorised (China)
No No
CySEC Authorised (Cyprus)
Yes No
CBI Authorised (Ireland)
No No
ISA Authorised (Israel)
No No
FMA Authorised (New Zealand)
No No
CBR Authorised (Russia)
No No
FSCA Authorised (South Africa)
Yes No
SEC Authorised (Thailand)
No No

Tier-3 Licenses (Low Trust)

Feature XTB Fineco
SCB Authorised (Bahamas) No No
IFSC Authorised (Belize) Yes No
BMA Authorised (Bermuda) No No
FSC Authorised (British Virgin Islands)
No No
FSC Authorised (Mauritius)
No No

Investments

Feature XTB Fineco
Forex Trading
Yes Yes
CFD Trading
Yes Yes
Tradeable Symbols (Total)
10000 126
Forex Pairs (Total)
49 54
US Stock Trading (Non CFD)
Yes Yes
Int'l Stock Trading (Non CFD)
Yes Yes
Cryptocurrency (Physical)
No No
Cryptocurrency (CFD)
Yes No
Social Trading / Copy-Trading
Yes No

Cost

Feature XTB Fineco
Average Spread EUR/USD - Standard
0.9 (Q3 2021) N/A
All-in Cost EUR/USD - Active
0.9 (Q3 2021) N/A
Active Trader or VIP Discounts
Yes No
Execution: Agency Broker
Yes No
Execution: Market Maker
Yes No

Funding

Feature XTB Fineco
Minimum Deposit
$0.00 $0
Bank Wire (Deposit/Withdraw)
Yes Yes
Visa/Mastercard (Credit/Debit)
Yes No
PayPal (Deposit/Withdraw)
Yes No
Skrill (Deposit/Withdraw)
Yes No

Trading Platforms

Feature XTB Fineco
Proprietary Platform
Yes Yes
Desktop Platform (Windows)
Yes Yes
Web Platform
Yes Yes
Social Trading / Copy-Trading
Yes No
MetaTrader 4 (MT4)
Yes No
MetaTrader 5 (MT5)
No No
cTrader
No No
DupliTrade
No No
ZuluTrade
No No

Trading Tools

Feature XTB Fineco
Virtual Trading (Demo)
Yes No
Alerts - Basic Fields
Yes No
Watchlists - Total Fields
8
Charting - Indicators / Studies (Total)
39 90
Charting - Drawing Tools (Total)
30 N/A
Charting - Trade From Chart
Yes No
Charting - Drawings Autosave
Yes No

Mobile Trading

Feature XTB Fineco
Android App
Yes Yes
Apple iOS App
Yes Yes
Alerts - Basic Fields
Yes No
Watch List
Yes No
Watch List Syncing
No No
Charting - Indicators / Studies
13 N/A
Charting - Draw Trendlines
Yes No
Charting - Trendlines Moveable
Yes No
Charting - Multiple Time Frames
Yes No
Charting - Drawings Autosave
Yes No
Forex Calendar
Yes No

Research

Feature XTB Fineco
Daily Market Commentary
Yes No
Forex News (Top-Tier Sources)
Yes Yes
Autochartist
No No
Trading Central (Recognia)
No No
Delkos Research
No No
Social Sentiment - Currency Pairs
Yes No
Economic Calendar
Yes No

Education

Feature XTB Fineco
Has Education - Forex or CFDs
Yes Yes
Client Webinars
Yes Yes
Client Webinars (Archived)
Yes Yes
Videos - Beginner Trading Videos
Yes Yes
Videos - Advanced Trading Videos
Yes Yes
Investor Dictionary (Glossary)
No Yes

Major Forex Pairs

Feature XTB Fineco
GBP/USD
Yes Yes
USD/JPY
Yes Yes
EUR/USD
Yes Yes
USD/CHF
Yes Yes
USD/CAD
Yes Yes
NZD/USD
Yes Yes
AUD/USD
Yes Yes

Overall

Feature XTB Fineco
Overall 4.5 4
Commissions & Fees 4.5 3.5
Offering of Investments 4.5 4.5
Platforms & Tools 4 4
Mobile Trading Apps 4.5 3.5
Research 4.5 4
Education 4 3.5
Trust Score 95 88
XTB Review Fineco Review

Comparing forex brokers side by side is no easy task. For our 2022 annual forex broker review, we spent hundreds of hours assessing 39 forex and CFD brokerages to find the best forex broker. Let's compare Fineco vs XTB.

Does Fineco or XTB offer lower pricing?
Comparing the trading costs of forex and CFDs is not easy. Not every broker publishes average spreads data, and pricing structures vary. Based on our thorough annual assessment, XTB offers better pricing overall for traders.

Is Fineco or XTB safer for forex and CFDs trading?
At ForexBrokers.com, we track where each forex and CFD broker is regulated across over 23 international regulator databases. Here's our findings. Both Fineco and XTB hold 1 global Tier-1 licenses. XTB holds 3 global Tier-2 licenses, while Fineco holds 0. In our analysis of 23 international regulators across 50 brokers, XTB earned a higher Trust Score than Fineco.

Which trading platform is better: Fineco or XTB?
To compare the trading platforms of both Fineco and XTB, we tested each broker's trading tools, research capabilities, and mobile apps. For trading tools, XTB offers a better experience. With research, XTB offers superior market research. Finally, we found XTB to provide better mobile trading apps.

What about MetaTrader and copy trading?
For forex and CFDs traders, copy trading and MetaTrader are both popular platform options. While XTB offers copy trading, Fineco does not. XTB offers MetaTrader 4 (MT4), while Fineco does not.

How many forex pairs and CFDs are available to trade?
Fineco provides traders 54 currency pairs (e.g., EUR/USD) compared to XTB's 49 available pairs. Forex pairs aside, XTB offers traders access to 10000 CFDs while Fineco has 126 available CFDs, a difference of 9,874.

Can I trust Fineco?

Can I trust XTB?
XTB is a publicly traded company that is authorised by one tier-1 regulator (high trust), one tier-2 regulator (average trust), and one tier-3 regulator (low trust). XTB is authorised by the following tier-1 regulator: Financial Conduct Authority (FCA).

Is Fineco good?
FinecoBank is a trusted multi-asset broker offering forex and CFDs across its brands regulated in the U.K. and Italy. However, unless you visit a physical branch as a citizen of the EU – or you are a resident of Italy or the U.K. – you will not be permitted to open an online account with FinecoBank.

Is XTB good?
As a trusted multi-asset broker, XTB offers outstanding customer service, a wide variety of forex and CFDs, and an excellent overall trading experience. Its xStation 5 trading platform is well-designed and packed with innovative features, and XTB’s comprehensive educational content and research helped the broker finish Best in Class for Research in 2022.

Overall winner: XTB

Read Next: Best Forex Brokers 2022


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Trading CFDs, FX, and cryptocurrencies involve a high degree of risk. All providers have a percentage of retail investor accounts that lose money when trading CFDs with their company. You should consider whether you can afford to take the high risk of losing your money and whether you understand how CFDs, FX, and cryptocurrencies work. All data was obtained from a published website as of 01/10/2022 and is believed to be accurate, but is not guaranteed. The ForexBrokers.com staff is constantly working with its online broker representatives to obtain the latest data. If you believe any data listed above is inaccurate, please contact us using the link at the bottom of this page.

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