Written by ForexBrokers.com
In this head to head comparison of FOREX.com vs XTB, 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.
FOREX.com, established in 1999, and XTB, founded in 2002, are both well-known online brokers listed on stock exchanges, though neither operates as a bank. Both companies have earned high regard for their reliability, with FOREX.com boasting a near-perfect Trust Score of 99 and XTB following closely with a score of 96 according to ForexBrokers.com. These scores reflect their overall credibility and the trust analysts place in them.
In terms of regulation, FOREX.com leads with seven Tier-1 licenses, indicating a strong level of trust, alongside one Tier-2 license. In comparison, XTB holds two Tier-1 and two Tier-2 licenses. This suggests that while both brokers are considered highly reliable, FOREX.com slightly edges out with a broader array of top-tier regulatory endorsements. Overall, both platforms provide a secure and trusted environment for investors looking to trade online.
| Feature |
FOREX.com
|
XTB
|
|---|---|---|
| Year Founded | 1999 | 2002 |
| Publicly Traded (Listed) | Yes | Yes |
| Bank | No | No |
| Tier-1 Licenses | 7 | 2 |
| Tier-2 Licenses | 1 | 2 |
| Tier-3 Licenses | 1 | 1 |
| Tier-4 Licenses | 1 | 2 |
FOREX.com and XTB both earn 4.5/5 stars for commissions and fees, yet XTB ranks slightly higher (#13 of 63) than FOREX.com (#15 of 63) in ForexBrokers.com’s Commissions and Fees category. In simple terms, XTB’s pricing sits near the industry average with an average EUR/USD spread of 1.0 pip (Q4 2023). FOREX.com can be pricier on its U.S. Standard account, where the EUR/USD averaged 1.4 pips (July 2023), though pricing outside the U.S. was lower at 0.74 pips during the same period.
FOREX.com offers a Standard account (the only option for MetaTrader users) and a commission-based RAW account. The RAW account targets active traders with very tight typical EUR/USD spreads of 0.13 pips (Feb 2024) plus a $7 commission per standard lot, which adds about 0.7 pips—making the all-in cost roughly 0.83 pips before any rebates. Volume rebates range from $2 to $9 per million, but unless you trade more than $50 million per month, total costs for U.S. clients tend to end up close to the Standard account. Rating and rank: 4.5/5 stars; #15 of 63 for Commissions and Fees.
XTB keeps things straightforward with a spread-only Standard account as the go-to choice for most clients, since the commission-based Pro account is being phased out and limited to elected professionals in select regions. The Standard account delivered a 1.0-pip average spread on EUR/USD in Q4 2023, and active traders can earn 5%–30% spread rebates once monthly volumes reach 20–1,000 lots through the Lower Spread Group program. Minimum deposit is 250 in your base currency. Rating and rank: 4.5/5 stars; #13 of 63 for Commissions and Fees.
| Feature |
FOREX.com
|
XTB
|
|---|---|---|
| Minimum Deposit | $100 | $0 |
| Average spread (EUR/USD) - Standard account | 1.00 | 0.92 |
| All-in Cost EUR/USD - Active | 1.13 | 0.92 |
| Non-wire bank transfer | Yes | No |
| PayPal (Deposit/Withdraw) | Yes | Yes |
| Skrill (Deposit/Withdraw) | Yes | Yes |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
Comparing FOREX.com vs XTB on range of investments: both let you trade forex via CFDs or spot, and both provide access to exchange-traded stocks on U.S. and international markets (not just CFDs). XTB lists about 10,900 total tradeable symbols, while FOREX.com offers around 5,500. For currency traders, FOREX.com edges ahead with 80 forex pairs versus 71 at XTB. Neither broker supports copy trading. If you want crypto exposure, both offer cryptocurrency CFDs but do not support buying actual coins.
Both brokers earn 5 stars for Range of Investments. In ForexBrokers.com’s rankings of 63 brokers, FOREX.com is #6 and XTB is #14. In short: pick XTB if you want the broadest overall catalog of markets, or choose FOREX.com if a larger list of forex pairs is your priority.
| Feature |
FOREX.com
|
XTB
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 5500 | 10900 |
| Forex Pairs (Total) | 80 | 71 |
| 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 | Yes |
| 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.
FOREX.com and XTB both check key boxes for platform access and learning tools. Each offers a free demo (paper trading) account, a proprietary platform, a Windows desktop download, and a web-based platform. Both let you place trades directly from charts and neither supports copy trading. In ForexBrokers.com’s Trading Platforms and Tools category, FOREX.com earned 5 stars and ranked #5 out of 63 brokers, while XTB earned 4.5 stars and ranked #9.
The biggest platform difference is MetaTrader support: FOREX.com offers MetaTrader 4 (MT4) and MetaTrader 5 (MT5), whereas XTB does not. If you want the familiarity and third-party add-ons of MT4/MT5, FOREX.com is the clear fit. If you prefer sticking with a broker’s in-house platform on both web and desktop, XTB is also a strong choice. Details like indicator counts and watchlist fields weren’t specified here, but both brokers deliver comprehensive platform access and chart-based trading to cover everyday needs.
| Feature |
FOREX.com
|
XTB
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Desktop Trading Platform | Yes | Yes |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Copy Trading | No | No |
| MetaTrader 4 (MT4) | Yes | No |
| MetaTrader 5 (MT5) | Yes | No |
| Charting - Indicators / Studies (Total) | 90 | 39 |
| Charting - Trade From Chart | Yes | Yes |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
Both FOREX.com and XTB offer full-featured mobile trading apps for iPhone and Android, with price alerts to help you track forex and CFD markets on the go. The big difference is watchlist syncing: FOREX.com syncs symbols between the app and your web platform, while XTB does not. For charting, FOREX.com packs 90 technical indicators versus XTB’s 39. Both apps let you draw trendlines and automatically save your chart drawings so your work isn’t lost.
In independent testing by ForexBrokers.com, FOREX.com earned 5 stars and ranked #2 out of 63 brokers for Mobile Trading Apps, while XTB scored 4.5 stars and ranked #8. Choose FOREX.com if you want deeper chart tools and seamless watchlist syncing, or pick XTB if you’re happy with strong core features and a slightly lighter toolset.
| Feature |
FOREX.com
|
XTB
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | Yes | No |
| Mobile Charting - Indicators / Studies | 90 | 39 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Trendlines Autosave | Yes | Yes |
Dive deeper: Best Forex Trading Apps.
Comparing FOREX.com vs XTB for market research, both brokers deliver daily market commentary, streaming forex news from top-tier sources, a helpful economic calendar, and sentiment tools that show how traders are positioned. Neither broker includes Autochartist, TipRanks, or Acuity Trading tools.
The key difference is Trading Central: FOREX.com offers it, while XTB does not. In ForexBrokers.com’s 2025 ratings, XTB earns 5 stars for Research and ranks 9th out of 63 brokers, whereas FOREX.com scores 4.5 stars and ranks 7th. Choose FOREX.com if you want Trading Central insights alongside news and sentiment data; pick XTB if top-tier news, daily commentary, and a strong overall research rating matter most.
| Feature |
FOREX.com
|
XTB
|
|---|---|---|
| Daily Market Commentary (Articles) | Yes | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central | Yes | No |
| Client sentiment data | Yes | Yes |
| TipRanks | No | No |
| Acuity Trading | No | No |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
Both FOREX.com and XTB deliver plenty of forex and CFD education for beginners. Each broker clears the “10+ pieces” bar many times over, with libraries that include articles, videos, and archived webinars. You’ll find at least 10 beginner-friendly videos at both brokers, plus at least 10 advanced videos for when you’re ready to level up. They also host ongoing client webinars (at least monthly), giving newcomers regular live learning opportunities.
In terms of quality signals, XTB earns a 5 out of 5 star Education rating, while FOREX.com scores 4.5 out of 5. However, in ForexBrokers.com’s Education category rankings across 63 brokers, FOREX.com places #4 and XTB ranks #11. Bottom line: beginners will get strong, structured learning at both brokers—choose XTB if you want the top star rating, or FOREX.com if a higher category rank matters more to you.
| Feature |
FOREX.com
|
XTB
|
|---|---|---|
| Webinars | Yes | Yes |
| Videos - Beginner Trading Videos | Yes | Yes |
| Videos - Advanced Trading Videos | Yes | Yes |
Dive deeper: Best Forex Brokers for Beginners.
After testing 63 of the best forex brokers, our research and account testing finds that FOREX.com is better than XTB. FOREX.com finished with an overall rank of #4, while XTB finished with an overall rank of #7.
FOREX.com is a trusted brand that delivers an excellent trading experience for forex and CFDs traders across the globe. It offers a wide range of markets and provides an impressive suite of proprietary platforms – alongside limited access to MetaTrader.
| Feature |
FOREX.com
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XTB
|
|---|---|---|
| Overall Rating |
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| Trust Score | 99 | 96 |
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Online brokers FOREX.com and XTB do not allow buying actual (delivered) cryptocurrencies, but both support trading cryptocurrency CFDs.
Comparing online brokers FOREX.com vs XTB for deposit and withdrawal methods: FOREX.com supports ACH/SEPA transfers while XTB does not; both offer PayPal, Skrill, and bank wire transfers; Visa or Mastercard availability is not specified for either.
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 | FOREX.com | XTB | |
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| Trust Score | 99 | 96 | |
| Winner | check_circle | ||
| Review | FOREX.com Review | XTB Review |
| Broker Screenshots | FOREX.com | XTB | |
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| Regulation | FOREX.com | XTB | |
|---|---|---|---|
| Trust Score | 99 | 96 | |
| Year Founded | 1999 | 2002 | |
| Publicly Traded (Listed) | Yes | Yes | |
| Bank | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 7 | 2 | |
| Tier-2 Licenses | 1 | 2 | |
| Tier-3 Licenses | 1 | 1 | |
| Tier-4 Licenses | 1 | 2 |
| Tier-1 Licenses (Highly Trusted) | FOREX.com | XTB | |
|---|---|---|---|
| Australia (ASIC Authorised) | Yes | No | |
| Canada (CIRO Authorised) | Yes | No | |
| Hong Kong (SFC Authorised) | No | No | |
| Japan (FSA Authorised) | Yes | No | |
| Singapore (MAS Authorised) | Yes | No | |
| Switzerland (FINMA Authorised) | No | ||
| United Kingdom (U.K.) (FCA Authorised) | Yes | Yes | |
| USA (CFTC Authorized) | Yes | No | |
| New Zealand (FMA Authorised) | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes |
| Tier-2 Licenses (Trusted) | FOREX.com | XTB | |
|---|---|---|---|
| Kenya (CMA Authorised) | No | ||
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | No | Yes | |
| UAE (DFSA, FSRA, or SCA Authorised) | Yes | Yes | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) | No |
| Investments | FOREX.com | XTB | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 5500 | 10900 | |
| Forex Pairs (Total) | 80 | 71 | |
| 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 | Yes | |
| 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 | FOREX.com | XTB | |
|---|---|---|---|
| Average spread (EUR/USD) - Standard account | 1.00 | 0.92 | |
| All-in Cost EUR/USD - Active | 1.13 | 0.92 | |
| Inactivity Fee | Yes | Yes | |
| Order execution: Agency | No | Yes | |
| Order execution: Market Maker | Yes | Yes |
| Funding | FOREX.com | XTB | |
|---|---|---|---|
| Minimum Deposit | $100 | $0 | |
| PayPal (Deposit/Withdraw) | Yes | Yes | |
| Skrill (Deposit/Withdraw) | Yes | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| Non-wire bank transfer | Yes | No |
| Trading Platforms | FOREX.com | XTB | |
|---|---|---|---|
| Proprietary Desktop Trading Platform | Yes | Yes | |
| Desktop Platform (Windows) | Yes | Yes | |
| Web Platform | Yes | Yes | |
| Copy Trading | No | No | |
| MetaTrader 4 (MT4) | Yes | No | |
| MetaTrader 5 (MT5) | Yes | No | |
| cTrader | No | No |
| Trading Tools | FOREX.com | XTB | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Price Alerts | Yes | Yes | |
| Charting - Indicators / Studies (Total) | 90 | 39 | |
| Charting - Trade From Chart | Yes | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | FOREX.com | XTB | |
|---|---|---|---|
| Android App | Yes | Yes | |
| Apple iOS App | Yes | Yes | |
| Mobile Price Alerts | Yes | Yes | |
| Mobile Watchlist [DELETED] | |||
| Mobile Watchlists - Syncing | Yes | No | |
| Mobile Charting - Indicators / Studies | 90 | 39 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Trendlines Autosave | Yes | Yes | |
| Mobile Research - Economic Calendar | Yes | Yes |
| Research | FOREX.com | XTB | |
|---|---|---|---|
| Daily Market Commentary (Articles) | Yes | Yes | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central | Yes | No | |
| TipRanks | No | No | |
| Client sentiment data | Yes | Yes | |
| Economic Calendar | Yes | Yes |
| Education | FOREX.com | XTB | |
|---|---|---|---|
| Webinars | Yes | Yes | |
| Videos - Beginner Trading Videos | Yes | Yes | |
| Videos - Advanced Trading Videos | Yes | Yes |
| Major Forex Pairs | FOREX.com | XTB | |
|---|---|---|---|
| GBP/USD [DELETED] | |||
| USD/JPY [DELETED] | |||
| EUR/USD | Yes | Yes | |
| USD/CHF [DELETED] | |||
| USD/CAD [DELETED] | |||
| NZD/USD [DELETED] | |||
| AUD/USD [DELETED] | |||
| Review | FOREX.com Review | XTB Review |
| Overall | FOREX.com | XTB | |
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| Trust Score | 99 | 96 | |
| Winner | check_circle | ||
| Review | FOREX.com Review | XTB Review |
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