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 | 0 | 1 |
| Tier-4 Licenses | 1 | 2 |
Comparing commissions and fees, both FOREX.com and XTB earn 4.5/5 stars, but XTB ranks slightly higher (#12 of 63) than FOREX.com (#14 of 63) for this category. For spread-only pricing on EUR/USD, XTB’s Standard account averaged 1.0 pip in Q4 2023, while FOREX.com’s Standard account averaged 1.4 pips in the U.S. (July 2023). Outside the U.S., FOREX.com’s averages can be tighter (0.74 pips in July 2023), which narrows the gap. For most retail traders using spread-only pricing, XTB tends to be cheaper; however, availability and account type can influence the final costs.
FOREX.com offers multiple execution methods and account types. Its Standard account is the only option for MetaTrader users and comes with higher spreads typical of market‑maker execution. The RAW Spread account features typical EUR/USD spreads of 0.13 pips (Feb 2024) plus a $7 commission per standard lot ($3.50 per side), which adds roughly 0.7 pips to the quoted spread. Available in the U.S., EU, and Canada, the RAW account also includes six volume tiers with rebates from $2 to $9 per million. Unless you trade more than $50 million per month, the all‑in costs for the commission plan are similar to the Standard account for U.S. clients. FOREX.com: 4.5/5 stars; ranked #14 of 63 for Commissions and Fees.
XTB offers a spread‑only Standard account and a commission‑based Professional account that’s reserved for elective professionals in the U.K. and EU and is being phased out. Average EUR/USD spreads were 1.0 pip in Q4 2023, and XTB runs an active‑trader program (Lower Spread Group) that rebates 5% to 30% of the spread once you trade from 20 up to 1,000 lots per month. For smaller trade sizes, the Standard account is typically cheaper, with a 250 base‑currency minimum deposit. Overall, XTB’s pricing is around the industry average but not the lowest. XTB: 4.5/5 stars; ranked #12 of 63 for Commissions and Fees.
| Feature |
FOREX.com
|
XTB
|
|---|---|---|
| Minimum Deposit | $100 | $0 |
| Average spread (EUR/USD) - Standard account | 1.4 | 1.00 |
| All-in Cost EUR/USD - Active | 0.9 | 1.00 |
| 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 and XTB for range of investments, both brokers let you trade forex as CFDs or spot contracts and offer crypto CFDs (but not actual coins). Neither supports copy trading. XTB lists more total instruments, with 7,184 tradeable symbols versus 5,500 at FOREX.com. If your focus is currencies, FOREX.com provides more forex pairs (80 vs. 71). Both earn 5 stars for Range of Investments from ForexBrokers.com; in the category rankings, FOREX.com is 7th out of 63 brokers, while XTB is 15th.
A key difference is access to exchange-traded securities. XTB lets you buy real shares and ETFs on both U.S. and international exchanges, whereas FOREX.com does not offer real share dealing. That makes XTB a better fit if you want to own stocks like Apple or Vodafone, while FOREX.com is geared toward CFDs and spot forex with a strong selection of currency pairs.
| Feature |
FOREX.com
|
XTB
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 5500 | 7184 |
| Forex Pairs (Total) | 80 | 71 |
| U.S. Stocks (Shares) | No | Yes |
| Global Stocks (Non-U.S. Shares) | No | 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 vs XTB: both brokers offer free demo (paper) accounts, proprietary platforms, Windows desktop downloads, and web-based trading. Each supports trading directly from charts, and neither provides copy trading.
The big platform difference is MetaTrader. FOREX.com offers both MetaTrader 4 (MT4) and MetaTrader 5 (MT5), while XTB does not support MT4 or MT5. For Trading Platforms and Tools, ForexBrokers.com rates FOREX.com at 5 stars and ranks it #7 out of 63 brokers, while XTB earns 4.5 stars and ranks #9. Indicator counts and watchlist column details were not specified.
| 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) | 88 | 39 |
| Charting - Trade From Chart | Yes | Yes |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
FOREX.com vs XTB mobile apps: both brokers offer iPhone and Android apps with price alerts, plus chart tools that let you draw trendlines and auto-save your work. A key difference is watchlists—FOREX.com syncs symbols between the app and your online account, while XTB does not. That makes it easier on FOREX.com to manage the same watchlist across devices.
For charting depth, FOREX.com packs 88 technical studies compared with XTB’s 39. That edge shows up in independent reviews: FOREX.com earns 5 stars and ranks #3 out of 63 brokers for Mobile Trading Apps at ForexBrokers.com, while XTB scores 4.5 stars and ranks #8. If you want more studies and synced watchlists, FOREX.com is the stronger fit; if you’re fine with fewer studies, XTB still delivers a highly rated mobile experience.
| 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 | 88 | 39 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Trendlines Autosave | Yes | Yes |
Dive deeper: Best Forex Trading Apps.
When comparing FOREX.com and XTB for their market research offerings, both platforms provide daily market commentary and access to forex news from top-tier sources like Bloomberg and Reuters. However, FOREX.com excels in offering tools from Trading Central, such as technical analytics, which XTB lacks. Both brokers provide sentiment-based trading tools that showcase position ratios, as well as comprehensive economic calendars listing global news events. Neither platform offers tools from Autochartist, TipRanks, or Acuity Trading.
Despite FOREX.com's advantage in offering Trading Central's research tools, XTB is rated slightly higher for research by ForexBrokers.com with a perfect 5-star rating, compared to FOREX.com's 4.5 stars. In terms of rankings among 63 brokers, XTB is positioned at #7, while FOREX.com follows closely at #9, demonstrating both platforms' strong research capabilities but with XTB holding a slight edge.
| 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 #5, 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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| Broker Gallery (click to expand) |
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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 | 0 | 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 | 7184 | |
| Forex Pairs (Total) | 80 | 71 | |
| U.S. Stocks (Shares) | No | Yes | |
| Global Stocks (Non-U.S. Shares) | No | 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 | 1.4 | 1.00 | |
| All-in Cost EUR/USD - Active | 0.9 | 1.00 | |
| 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) | 88 | 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 | 88 | 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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