Written by ForexBrokers.com
In this head to head comparison of XTB vs Fineco, we will compare the trading platforms, mobile apps, range of investments, costs, market research, and more. Let's dive in.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 51% and 89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
When comparing online brokers XTB and Fineco, both platforms offer robust trading options and are publicly traded, ensuring a degree of transparency for their users. XTB, founded in 2002, and Fineco, established in 1999, stand as reputable choices for traders. While XTB is not a bank, Fineco operates as one, which may give it an edge for those seeking banking services alongside trading.
In terms of regulation, XTB and Fineco hold an equal number of Tier-1 licenses, with two each, signifying a high level of trust. However, XTB also boasts two Tier-2 licenses compared to Fineco's none, suggesting a broader regulatory reach. This difference is reflected in their Trust Score ratings by ForexBrokers.com, where XTB scores an impressive 96 out of 99, while Fineco follows closely with a score of 94. Both brokers fall within the "highly trusted" category, providing a secure environment for investors.
| Feature |
XTB
|
Fineco
|
|---|---|---|
| Year Founded | 2002 | 1999 |
| Publicly Traded (Listed) | Yes | Yes |
| Bank | No | Yes |
| Tier-1 Licenses | 2 | 2 |
| Tier-2 Licenses | 2 | 0 |
| Tier-3 Licenses | 1 | 0 |
| Tier-4 Licenses | 2 | 0 |
XTB’s commissions and fees are easy to understand. The Standard account uses spreads only, and in Q4 2023 the average spread on EUR/USD was 1 pip. The commission-based Professional account is mostly for elective professionals in the U.K. and EU and is being phased out. For small trade sizes, the Standard account tends to be cheaper; at higher volumes, pricing between Standard and Pro has been similar. Active traders can join XTB’s Lower Spread Group, which rebates 5%–30% of the spread once you hit monthly volume tiers (from 20 to 1,000 lots). Overall pricing sits around the industry average. Rating: 4.5/5 stars for commissions and fees; Ranking: #12 of 63 (ForexBrokers.com).
Fineco’s commissions and fees are harder to pin down because it does not publish average spread data. It lists an EUR/USD spread of 1 pip (and sometimes 0.8 pips), but these figures aren’t stated as averages and come without a date range. That uncertainty suggests forex trading costs may be higher than what many brokers offer, though Fineco appears to have lower pricing on index CFDs. Rating: 3.5/5 stars for commissions and fees; Ranking: #52 of 63 (ForexBrokers.com).
XTB vs. Fineco: If you value clear, data-backed forex pricing and potential rebates for higher volumes, XTB is the stronger pick for most retail traders. Fineco can be competitive on index CFDs, but its lack of average spread transparency makes its overall forex costs harder to compare. Note that XTB’s Pro account is no longer widely available, which makes the Standard account the practical choice for everyday traders.
| Feature |
XTB
|
Fineco
|
|---|---|---|
| Minimum Deposit | $0 | $0 |
| Average spread (EUR/USD) - Standard account | 1.00 | N/A |
| All-in Cost EUR/USD - Active | 1.00 | N/A |
| Non-wire bank transfer | No | Yes |
| PayPal (Deposit/Withdraw) | Yes | |
| Skrill (Deposit/Withdraw) | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes |
Dive deeper: Best Low Spread Forex Brokers.
When comparing the range of investments, Fineco lists more total instruments (9,770 tradeable symbols) than XTB (7,184). Both brokers let you trade forex as either CFDs or spot and both provide access to exchange-traded stocks on U.S. and international markets, so you can buy names like Apple or Vodafone directly (not as CFDs). Neither offers copy trading. For crypto, neither broker lets you buy actual coins, but XTB does offer cryptocurrency CFDs while Fineco does not.
If you focus on currencies, XTB covers more forex pairs (71) than Fineco (54). Reflecting these lineups, ForexBrokers.com rates XTB at 5 stars for Range of Investments and ranks it 15th out of 63 brokers, while Fineco earns 4.5 stars and ranks 17th. In short, Fineco wins on sheer number of symbols, while XTB stands out for forex pair selection and access to crypto via CFDs.
| Feature |
XTB
|
Fineco
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 7184 | 9770 |
| Forex Pairs (Total) | 71 | 54 |
| U.S. Stocks (Shares) | Yes | Yes |
| Global Stocks (Non-U.S. Shares) | Yes | Yes |
| Copy Trading | No | No |
| Cryptocurrency (Underlying) | No | No |
| Cryptocurrency (CFDs) | Yes | No |
| Disclaimers | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). |
Dive deeper: Best Copy Trading Platforms.
XTB vs Fineco: both brokers offer proprietary platforms with web-based access and Windows desktop downloads, and neither supports copy trading or MetaTrader 4/5. A key difference is practice trading—XTB provides a free demo account for simulated (paper) trading, while Fineco does not.
Platform tools also diverge when placing orders from charts: XTB lets you trade directly from a chart, whereas Fineco doesn’t. For Trading Platforms and Tools, ForexBrokers.com rates XTB 4.5 stars (ranked #9 of 63) and Fineco 4 stars (ranked #18 of 63). If you value a free demo and chart-based trading, XTB may fit better; if you just need an in-house platform available on web and Windows, both meet that need.
| Feature |
XTB
|
Fineco
|
|---|---|---|
| Virtual Trading (Demo) | Yes | No |
| Proprietary Desktop Trading Platform | Yes | Yes |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Copy Trading | No | No |
| MetaTrader 4 (MT4) | No | No |
| MetaTrader 5 (MT5) | No | No |
| Charting - Indicators / Studies (Total) | 39 | 37 |
| Charting - Trade From Chart | Yes | No |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
XTB and Fineco both offer mobile trading apps for iPhone and Android, and each supports stock and forex price alerts. Neither broker syncs watchlists between the mobile app and the web platform. For charting, XTB is far more feature-rich with 39 technical studies, plus the ability to draw trendlines that automatically save. Fineco’s app includes 6 studies and does not support drawing or auto-saving chart annotations.
In independent ratings, XTB scores 4.5 out of 5 stars for Mobile Trading Apps and ranks #8 out of 63 brokers on ForexBrokers.com, while Fineco earns 4 stars and ranks #43. If you want deeper chart tools and drawing features, XTB is the stronger pick; if you just need essential alerts on iPhone or Android, Fineco covers the basics.
| Feature |
XTB
|
Fineco
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | No | No |
| Mobile Charting - Indicators / Studies | 39 | 6 |
| Mobile Charting - Draw Trendlines | Yes | No |
| Mobile Charting - Trendlines Autosave | Yes | No |
Dive deeper: Best Forex Trading Apps.
XTB vs Fineco: market research comparison. XTB stands out with daily market commentary, a sentiment tool that shows the ratio of long vs short positions, top-tier forex news (e.g., Bloomberg/Reuters/Dow Jones or similar), and an economic calendar. Fineco provides top-tier forex news and an economic calendar, but it does not offer daily commentary or a sentiment tool. Neither broker includes research from Autochartist or Trading Central. XTB does not offer TipRanks or Acuity Trading tools; for Fineco, TipRanks and Acuity availability isn’t specified.
In independent testing by ForexBrokers.com, XTB earns 5 stars for Research and ranks #7 out of 63 brokers, while Fineco scores 4.0 stars and ranks #34. If you want frequent insights and a sentiment gauge, XTB is the stronger choice. If you only need news and an economic calendar, Fineco covers the basics.
| Feature |
XTB
|
Fineco
|
|---|---|---|
| Daily Market Commentary (Articles) | Yes | No |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central | No | No |
| Client sentiment data | Yes | No |
| TipRanks | No | |
| Acuity Trading | No | |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
XTB vs Fineco for beginner education: both brokers offer a clear starting point for new traders, with monthly client webinars and 10-plus beginner-friendly videos that explain core trading ideas and platform basics. These resources can help you get started with markets such as forex and CFDs in a simple, step-by-step way.
XTB goes further for growth. It also provides 10-plus advanced videos for when you’re ready to deepen your skills, while Fineco does not reach that level for advanced material. Independent ratings reflect this gap: XTB earns 5 stars for Education and ranks #11 out of 63 brokers at ForexBrokers.com; Fineco holds 4.0 stars and ranks #49. If you want a learning path that takes you from basics to more advanced topics, XTB is the stronger choice, though both deliver regular webinars and beginner-friendly videos.
| Feature |
XTB
|
Fineco
|
|---|---|---|
| Webinars | Yes | Yes |
| Videos - Beginner Trading Videos | Yes | Yes |
| Videos - Advanced Trading Videos | Yes | No |
Dive deeper: Best Forex Brokers for Beginners.
After testing 63 of the best forex brokers, our research and account testing finds that XTB is better than Fineco. XTB finished with an overall rank of #7, while Fineco finished with an overall rank of #25.
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 offers comprehensive educational content and market research.
| Feature |
XTB
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Fineco
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| Overall Rating |
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| Trust Score | 96 | 94 |
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In the XTB vs Fineco comparison, neither broker allows buying actual (delivered) cryptocurrency, but XTB offers cryptocurrency CFDs while Fineco provides neither actual crypto nor crypto CFDs.
Comparing online brokers XTB and Fineco: XTB supports PayPal, Skrill, and bank wire deposits/withdrawals but not ACH or SEPA, while Fineco offers ACH/SEPA transfers (other funding methods not specified).
Please note:
We review each broker’s overall global offering – a “Yes” checkmark in our Compare Tool does not guarantee the availability of any specific features in your country of residence. To verify the availability of any features within your country of residence, please contact the broker directly.
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0 of 5| Overall Rating | XTB | Fineco | |
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| Trust Score | 96 | 94 | |
| Winner | check_circle | ||
| Review | XTB Review | Fineco Review |
| Broker Screenshots | XTB | Fineco | |
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| Regulation | XTB | Fineco | |
|---|---|---|---|
| Trust Score | 96 | 94 | |
| Year Founded | 2002 | 1999 | |
| Publicly Traded (Listed) | Yes | Yes | |
| Bank | No | Yes | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 2 | 2 | |
| Tier-2 Licenses | 2 | 0 | |
| Tier-3 Licenses | 1 | 0 | |
| Tier-4 Licenses | 2 | 0 |
| Tier-1 Licenses (Highly Trusted) | XTB | Fineco | |
|---|---|---|---|
| Australia (ASIC Authorised) | No | Yes | |
| Canada (CIRO Authorised) | No | No | |
| Hong Kong (SFC Authorised) | No | No | |
| Japan (SFC Authorised) | No | No | |
| Singapore (MAS Authorised) | No | No | |
| Switzerland (FINMA Authorised) | |||
| United Kingdom (U.K.) (FCA Authorised) | Yes | Yes | |
| USA (CFTC Authorized) | No | No | |
| New Zealand (FMA Authorised) | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes |
| Tier-2 Licenses (Trusted) | XTB | Fineco | |
|---|---|---|---|
| Kenya (CMA Authorised) | |||
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | Yes | No | |
| UAE (DFSA, FSRA, or SCA Authorised) | Yes | No | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) |
| Investments | XTB | Fineco | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 7184 | 9770 | |
| Forex Pairs (Total) | 71 | 54 | |
| U.S. Stocks (Shares) | Yes | Yes | |
| Global Stocks (Non-U.S. Shares) | Yes | Yes | |
| Copy Trading | No | No | |
| Cryptocurrency (Underlying) | No | No | |
| Cryptocurrency (CFDs) | Yes | No | |
| Disclaimers | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). |
| Cost | XTB | Fineco | |
|---|---|---|---|
| Average spread (EUR/USD) - Standard account | 1.00 | N/A | |
| All-in Cost EUR/USD - Active | 1.00 | N/A | |
| Inactivity Fee | Yes | No | |
| Order execution: Agency | Yes | No | |
| Order execution: Market Maker | Yes | No |
| Funding | XTB | Fineco | |
|---|---|---|---|
| Minimum Deposit | $0 | $0 | |
| PayPal (Deposit/Withdraw) | Yes | ||
| Skrill (Deposit/Withdraw) | Yes | ||
| Bank Wire (Deposit/Withdraw) | Yes | ||
| Non-wire bank transfer | No | Yes |
| Trading Platforms | XTB | Fineco | |
|---|---|---|---|
| Proprietary Desktop Trading Platform | Yes | Yes | |
| Desktop Platform (Windows) | Yes | Yes | |
| Web Platform | Yes | Yes | |
| Copy Trading | No | No | |
| MetaTrader 4 (MT4) | No | No | |
| MetaTrader 5 (MT5) | No | No | |
| cTrader | No | No |
| Trading Tools | XTB | Fineco | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | No | |
| Price Alerts | Yes | No | |
| Charting - Indicators / Studies (Total) | 39 | 37 | |
| Charting - Trade From Chart | Yes | No | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | XTB | Fineco | |
|---|---|---|---|
| Android App | Yes | Yes | |
| Apple iOS App | Yes | Yes | |
| Mobile Price Alerts | Yes | Yes | |
| Mobile Watchlist [DELETED] | |||
| Mobile Watchlists - Syncing | No | No | |
| Mobile Charting - Indicators / Studies | 39 | 6 | |
| Mobile Charting - Draw Trendlines | Yes | No | |
| Mobile Charting - Trendlines Autosave | Yes | No | |
| Mobile Research - Economic Calendar | Yes | Yes |
| Research | XTB | Fineco | |
|---|---|---|---|
| Daily Market Commentary (Articles) | Yes | No | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central | No | No | |
| TipRanks | No | ||
| Client sentiment data | Yes | No | |
| Economic Calendar | Yes | Yes |
| Education | XTB | Fineco | |
|---|---|---|---|
| Webinars | Yes | Yes | |
| Videos - Beginner Trading Videos | Yes | Yes | |
| Videos - Advanced Trading Videos | Yes | No |
| Major Forex Pairs | XTB | Fineco | |
|---|---|---|---|
| GBP/USD [DELETED] | |||
| USD/JPY [DELETED] | |||
| EUR/USD | Yes | Yes | |
| USD/CHF [DELETED] | |||
| USD/CAD [DELETED] | |||
| NZD/USD [DELETED] | |||
| AUD/USD [DELETED] | |||
| Review | XTB Review | Fineco Review |
| Overall | XTB | Fineco | |
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| Trust Score | 96 | 94 | |
| Winner | check_circle | ||
| Review | XTB Review | Fineco Review |
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