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 | 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.
FOREX.com vs XTB: both brokers let you trade forex as CFDs or spot, and both support cryptocurrency derivatives (not actual coins). XTB lists more total instruments overall (7,184 vs 5,500), while FOREX.com offers more forex pairs (80 vs 71). Neither broker provides copy trading, and neither lets you buy delivered crypto.
When it comes to real stocks, XTB stands out by offering exchange-traded shares on both U.S. and international markets; FOREX.com does not offer real share dealing. For Range of Investments, both earn 5 stars, with FOREX.com ranked #7 and XTB ranked #15 out of 63 brokers by ForexBrokers.com.
| Feature |
FOREX.com
|
XTB
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 5500 | 7184 |
| Forex Pairs (Total) | 80 | 71 |
| U.S. Stock Trading (Non CFD) | No | Yes |
| Int'l Stock Trading (Non CFD) | No | Yes |
| Social Trading / Copy Trading | No | No |
| Cryptocurrency (Underlying) | No | No |
| Cryptocurrency (Derivative) | 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 the key boxes for everyday traders: each offers a free demo account for paper trading, an in-house platform, a Windows desktop download, and a web-based platform. You can place trades directly from charts at both brokers, and neither offers copy trading.
The main difference is MetaTrader. FOREX.com supports both MT4 and MT5, while XTB does not. If you want MetaTrader for custom indicators or automated strategies, FOREX.com is the better fit. In ForexBrokers.com testing for Trading Platforms and Tools, FOREX.com earned 5 stars and ranked #7 out of 63 brokers, while XTB earned 4.5 stars and ranked #9—strong results for both, with FOREX.com holding a slight edge.
| Feature |
FOREX.com
|
XTB
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Desktop Trading Platform | Yes | Yes |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Social Trading / 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 and XTB both offer powerful mobile trading apps for iPhone and Android. Each app supports price alerts, real-time watchlists, drawing trendlines on charts, and autosaving those drawings. For charting depth, FOREX.com includes 88 technical studies, while XTB offers 39. Both apps let you create watchlists with live quotes, making it easy to track markets on the go.
Key differences: FOREX.com syncs watchlist symbols between the mobile app and the web platform, while XTB does not. According to ForexBrokers.com, FOREX.com earns 5 stars and ranks #3 out of 63 brokers for Mobile Trading Apps; XTB scores 4.5 stars and ranks #8. If you want cross-device watchlist syncing and a larger set of indicators, FOREX.com is the stronger fit. If you’re happy with an easy-to-use app that covers the essentials, XTB remains a solid choice.
| 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 |
| Mobile Watchlist | 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 | Yes | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central (Recognia) | Yes | No |
| Client sentiment data | Yes | Yes |
| TipRanks | No | No |
| Signal Centre (Acuity Trading) | No | No |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
For beginner traders comparing education from FOREX.com and XTB, both brokers deliver strong starting points for learning forex and CFD trading. Each runs at least one client webinar per month and offers a sizable video library that includes 10+ beginner lessons plus 10+ advanced tutorials, so you can build from basics like platform navigation and risk control to more in-depth strategies.
XTB earns a 5-star Education score, while FOREX.com is close at 4.5 stars. Yet in the Education category across 63 brokers, FOREX.com ranks higher (#4) than XTB (#11). We did not find confirmation on whether either broker provides a searchable archive of past webinars or an investor dictionary with 50+ terms. If monthly webinars and extensive video content are your priorities, both are solid choices; if you prefer the higher overall category rank, FOREX.com has the edge, while XTB holds the top star rating.
| 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
|
XTB
|
|---|---|---|
| Overall Rating |
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| Trust Score | 99 | 96 |
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Both FOREX.com and XTB provide the capability to trade cryptocurrency derivatives, but neither platform offers the option to purchase actual (delivered) cryptocurrencies.
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 | 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 (SFC 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. Stock Trading (Non CFD) | No | Yes | |
| Int'l Stock Trading (Non CFD) | No | Yes | |
| Social Trading / Copy Trading | No | No | |
| Cryptocurrency (Underlying) | No | No | |
| Cryptocurrency (Derivative) | 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 | 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 | |
| Social Trading / 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 | 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 | |
| Mobile Research - Economic Calendar | Yes | Yes |
| Research | FOREX.com | XTB | |
|---|---|---|---|
| Daily Market Commentary | Yes | Yes | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central (Recognia) | 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 | Yes | Yes | |
| EUR/USD | Yes | Yes | |
| USD/CHF | Yes | Yes | |
| USD/CAD | Yes | Yes | |
| NZD/USD | Yes | Yes | |
| 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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