Written by ForexBrokers.com
In this head to head comparison of XTB vs MultiBank, 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.
Founded in 2002, XTB is a well-established online broker that is publicly traded, enhancing its transparency to clients. It operates under two Tier-1 licenses, signaling a high level of trust, and two Tier-2 licenses, which are also seen as trustworthy. XTB's strong regulatory standing is reflected in its ForexBrokers.com Trust Score of 96 out of 99, classifying it as a highly trusted broker.
MultiBank, established in 2005, is another option in the online brokerage space. While it is not publicly traded, it holds three Tier-1 licenses, indicating a solid foundation of trust. Additionally, MultiBank has one Tier-2 license under its belt. With a ForexBrokers.com Trust Score of 84, MultiBank is classified as a trusted broker, providing clients a reliable choice within the industry.
| Feature |
XTB
|
MultiBank
|
|---|---|---|
| Year Founded | 2002 | 2005 |
| Publicly Traded (Listed) | Yes | No |
| Bank | No | No |
| Tier-1 Licenses | 2 | 3 |
| Tier-2 Licenses | 2 | 1 |
| Tier-3 Licenses | 1 | 0 |
| Tier-4 Licenses | 2 | 3 |
XTB and MultiBank both offer multiple account types with different cost structures, but their value propositions differ. For Commissions and Fees, XTB is rated 4.5/5 stars and ranks #12 of 63 brokers (ForexBrokers.com), while MultiBank earns 4/5 stars and ranks #39 of 63. In short: XTB’s pricing is around the industry average and suits most retail traders, whereas MultiBank’s lowest costs are locked behind higher minimum deposits.
XTB provides a spread-only Standard account and a commission-based Professional account that’s being phased out and generally limited to elective professionals in the U.K. and EU. Average EUR/USD spreads were 1.0 pip in Q4 2023 on the Standard account. Minimum deposits start at 250 in your base currency. 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 to receive 5%–30% spread rebates once monthly volume passes 20 to 1,000 lots, helping reduce overall costs.
MultiBank offers three choices: Standard (higher spreads; $50 minimum), Pro (lower spreads; $1,000 minimum), and ECN (lowest spreads plus a $3 round‑trip commission; $10,000 minimum). The ECN account is the most cost‑effective for larger balances and frequent traders, while the Standard account is the most accessible but pricier per trade. Note that MultiBank charges a $60 monthly inactivity fee after 90 days without trading. If you want straightforward, competitive pricing with volume rebates and a moderate minimum, XTB is appealing; if you’re prepared to meet higher minimums to access tighter spreads, MultiBank’s Pro or ECN tiers can be cost-efficient.
| Feature |
XTB
|
MultiBank
|
|---|---|---|
| Minimum Deposit | $0 | $50 |
| Average Spread EUR/USD - Standard | 1.00 | N/A |
| All-in Cost EUR/USD - Active | 1.00 | N/A |
| Active Trader or VIP Discounts | No | No |
| ACH or SEPA Transfers | No | Yes |
| PayPal (Deposit/Withdraw) | Yes | No |
| Skrill (Deposit/Withdraw) | Yes | Yes |
| Visa/Mastercard (Credit/Debit) | Yes | Yes |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
XTB vs MultiBank: for the available range of investments, XTB lists 7,184 tradeable symbols and 71 forex pairs, while MultiBank offers 1,042 symbols and 40 pairs. Both let you trade forex as CFDs or spot. Only XTB provides access to exchange-traded securities on U.S. and international exchanges (so you can buy real shares like Apple or Vodafone), whereas MultiBank does not offer real shares. Aligning with this breadth, ForexBrokers.com rates XTB 5/5 and ranks it 15th out of 63 brokers for Range of Investments; MultiBank earns 4/5 and ranks 38th.
On niche options, both brokers support crypto derivatives, but only MultiBank allows buying actual cryptocurrencies. MultiBank also offers copy trading; XTB does not. If you want the widest selection of markets and access to real stocks alongside CFDs, XTB is the stronger pick. If you prefer copy trading and direct crypto purchases, MultiBank may suit you better.
| Feature |
XTB
|
MultiBank
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 7184 | 1042 |
| Forex Pairs (Total) | 71 | 40 |
| U.S. Stock Trading (Non CFD) | Yes | No |
| Int'l Stock Trading (Non CFD) | Yes | No |
| Social Trading / Copy Trading | No | Yes |
| Cryptocurrency (Physical) | No | Yes |
| 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). |
Dive deeper: Best Copy Trading Platforms.
XTB and MultiBank both cover the basics well: free demo (paper) accounts, in-house proprietary platforms, Windows desktop downloads, and web-based platforms. Each lets you place trades directly from charts. For charting extras, XTB offers 32 drawing tools versus 17 at MultiBank, and its watchlists support 8 columns compared with 7 at MultiBank—useful if you track many symbols and fields.
Key differences center on platform choice and social features. MultiBank supports copy trading and offers MetaTrader 4 and MetaTrader 5, while XTB does not offer copy trading or MT4/MT5. Neither broker connects to DupliTrade or ZuluTrade. In independent testing by ForexBrokers.com, XTB earned 4.5/5 stars and ranked #9 of 63 for Trading Platforms and Tools, while MultiBank earned 4/5 stars and ranked #40. Choose MultiBank if you need MetaTrader and copy trading; pick XTB if you prefer a polished, proprietary experience with more drawing tools and slightly richer watchlists.
| Feature |
XTB
|
MultiBank
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Platform | Yes | Yes |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Social Trading / Copy Trading | No | Yes |
| MetaTrader 4 (MT4) | No | Yes |
| MetaTrader 5 (MT5) | No | Yes |
| DupliTrade | No | No |
| ZuluTrade | No | No |
| Charting - Indicators / Studies (Total) | 39 | 38 |
| Charting - Drawing Tools (Total) | 32 | 17 |
| Charting - Trade From Chart | Yes | Yes |
| Watchlists - Total Fields | 8 | 7 |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
XTB and MultiBank both deliver mobile trading apps for iPhone and Android with features traders expect: price alerts for stocks and forex, real-time quote watchlists, trendline drawing, multiple time frames, and auto-saved chart drawings. One limitation they share is the lack of watchlist symbol syncing between the mobile app and the online account.
For charting depth, XTB offers 39 technical studies versus MultiBank’s 30. Ratings reflect that gap: XTB’s mobile app scores 4.5 out of 5 stars and ranks #8 out of 63 brokers at ForexBrokers.com, while MultiBank earns 4 stars and ranks #42. If you want more built-in indicators and a higher-rated mobile experience, XTB has the edge; MultiBank still covers the essentials for trading on the go.
| Feature |
XTB
|
MultiBank
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Alerts - Basic Fields | Yes | Yes |
| Watchlist Syncing | No | No |
| Mobile Charting - Indicators / Studies | 39 | 30 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Multiple Time Frames | Yes | Yes |
| Mobile Charting - Drawings Autosave | Yes | Yes |
| Mobile Watchlist | Yes | Yes |
Dive deeper: Best Forex Trading Apps.
XTB offers daily market commentary and a sentiment tool that shows the balance of long and short positions, along with an economic calendar and forex news from top-tier sources like Bloomberg, Reuters, or Dow Jones. MultiBank also provides trusted forex news and an economic calendar, but it does not include daily commentary or a sentiment gauge. Neither broker integrates Autochartist, Trading Central, or TipRanks. XTB does not offer tools from Acuity Trading, and MultiBank’s support for Acuity Trading tools is not specified.
These differences are reflected in independent ratings: XTB earns 5 stars for Research and ranks #7 out of 63 brokers on ForexBrokers.com, while MultiBank holds 3.5 stars and ranks #50. If you want daily insights and trader sentiment to help guide your decisions, XTB is the stronger choice; if you mainly need a news feed and calendar, MultiBank covers the basics.
| Feature |
XTB
|
MultiBank
|
|---|---|---|
| Daily Market Commentary | Yes | No |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central (Recognia) | No | No |
| Social Sentiment - Currency Pairs | Yes | No |
| TipRanks | No | No |
| Signal Centre (Acuity Trading) | No | |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
When it comes to educational resources for beginners, XTB and MultiBank both provide a collection of useful learning materials on forex and CFDs, each with a selection of over ten articles, videos, or archived webinars. However, XTB distinguishes itself by offering at least one live educational webinar every month, while MultiBank does not include this feature. Additionally, XTB provides access to a searchable archive of past webinars. Both brokers cater to newcomers with at least ten beginner-focused educational videos, though XTB goes a step further with advanced videos for seasoned traders, which MultiBank lacks.
The differences continue to reflect in their ratings and rankings, where XTB garners five stars for its educational offerings, compared to MultiBank's 3.5 stars. This disparity is further underscored by XTB's #11 rank in the education category at ForexBrokers.com, a significant leap from MultiBank's position at #50. While neither broker offers an investor dictionary with investing terms, XTB's broader and more interactive educational package positions it as a more extensive choice for beginners seeking in-depth learning opportunities in the trading world.
| Feature |
XTB
|
MultiBank
|
|---|---|---|
| Education (Forex or CFDs) | Yes | Yes |
| Client Webinars | Yes | No |
| Client Webinars (Archived) | Yes | No |
| Videos - Beginner Trading Videos | Yes | Yes |
| Videos - Advanced Trading Videos | Yes | No |
| Investor Dictionary (Glossary) | No | 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 MultiBank. XTB finished with an overall rank of #7, while MultiBank finished with an overall rank of #40.
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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MultiBank
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| Overall Rating |
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| Trust Score | 96 | 84 |
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While both XTB and MultiBank offer the ability to trade cryptocurrency derivatives, only MultiBank provides the option to buy actual delivered cryptocurrency.
When comparing the online brokers XTB and MultiBank, it's noteworthy that XTB supports PayPal and Skrill for deposits and withdrawals, while MultiBank does not offer PayPal but does provide ACH or SEPA transfers, a feature unavailable with XTB; both platforms, however, accept Visa, Mastercard, and bank wire transfers.
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 | MultiBank | |
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| Trust Score | 96 | 84 | |
| Winner | check_circle | ||
| Review | XTB Review | MultiBank Review |
| Broker Screenshots | XTB | MultiBank | |
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| Regulation | XTB | MultiBank | |
|---|---|---|---|
| Trust Score | 96 | 84 | |
| Year Founded | 2002 | 2005 | |
| Publicly Traded (Listed) | Yes | No | |
| Bank | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 2 | 3 | |
| Tier-2 Licenses | 2 | 1 | |
| Tier-3 Licenses | 1 | 0 | |
| Tier-4 Licenses | 2 | 3 |
| Tier-1 Licenses (Highly Trusted) | XTB | MultiBank | |
|---|---|---|---|
| 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 | Yes | |
| Switzerland (FINMA Authorised) | |||
| United Kingdom (U.K.) (FCA Authorised) | Yes | No | |
| 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 | MultiBank | |
|---|---|---|---|
| Kenya (CMA Authorised) | |||
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | Yes | No | |
| UAE (DFSA/Central Bank Authorised) | Yes | Yes | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) |
| Investments | XTB | MultiBank | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 7184 | 1042 | |
| Forex Pairs (Total) | 71 | 40 | |
| U.S. Stock Trading (Non CFD) | Yes | No | |
| Int'l Stock Trading (Non CFD) | Yes | No | |
| Social Trading / Copy Trading | No | Yes | |
| Cryptocurrency (Physical) | No | Yes | |
| 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). |
| Cost | XTB | MultiBank | |
|---|---|---|---|
| Average Spread EUR/USD - Standard | 1.00 | N/A | |
| All-in Cost EUR/USD - Active | 1.00 | N/A | |
| Active Trader or VIP Discounts | No | No | |
| Inactivity Fee | Yes | Yes | |
| Execution: Agency Broker | Yes | No | |
| Execution: Market Maker | Yes | Yes |
| Funding | XTB | MultiBank | |
|---|---|---|---|
| Minimum Deposit | $0 | $50 | |
| PayPal (Deposit/Withdraw) | Yes | No | |
| Skrill (Deposit/Withdraw) | Yes | Yes | |
| Visa/Mastercard (Credit/Debit) | Yes | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| ACH or SEPA Transfers | No | Yes |
| Trading Platforms | XTB | MultiBank | |
|---|---|---|---|
| Proprietary Platform | Yes | Yes | |
| Desktop Platform (Windows) | Yes | Yes | |
| Web Platform | Yes | Yes | |
| Social Trading / Copy Trading | No | Yes | |
| MetaTrader 4 (MT4) | No | Yes | |
| MetaTrader 5 (MT5) | No | Yes | |
| cTrader | No | No | |
| DupliTrade | No | No | |
| ZuluTrade | No | No |
| Trading Tools | XTB | MultiBank | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Alerts - Basic Fields | Yes | Yes | |
| Watchlists - Total Fields | 8 | 7 | |
| Charting - Indicators / Studies (Total) | 39 | 38 | |
| Charting - Drawing Tools (Total) | 32 | 17 | |
| Charting - Trade From Chart | Yes | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | XTB | MultiBank | |
|---|---|---|---|
| Android App | Yes | Yes | |
| Apple iOS App | Yes | Yes | |
| Mobile Alerts - Basic Fields | Yes | Yes | |
| Mobile Watchlist | Yes | Yes | |
| Watchlist Syncing | No | No | |
| Mobile Charting - Indicators / Studies | 39 | 30 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Multiple Time Frames | Yes | Yes | |
| Mobile Charting - Drawings Autosave | Yes | Yes | |
| Mobile Economic Calendar | Yes | Yes |
| Research | XTB | MultiBank | |
|---|---|---|---|
| Daily Market Commentary | Yes | No | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central (Recognia) | No | No | |
| TipRanks | No | No | |
| Social Sentiment - Currency Pairs | Yes | No | |
| Economic Calendar | Yes | Yes |
| Education | XTB | MultiBank | |
|---|---|---|---|
| Education (Forex or CFDs) | Yes | Yes | |
| Client Webinars | Yes | No | |
| Client Webinars (Archived) | Yes | No | |
| Videos - Beginner Trading Videos | Yes | Yes | |
| Videos - Advanced Trading Videos | Yes | No | |
| Investor Dictionary (Glossary) | No | No |
| Major Forex Pairs | XTB | MultiBank | |
|---|---|---|---|
| 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 | |
| Review | XTB Review | MultiBank Review |
| Overall | XTB | MultiBank | |
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| Trust Score | 96 | 84 | |
| Winner | check_circle | ||
| Review | XTB Review | MultiBank Review |
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