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 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.
XTB vs MultiBank: For range of investments, XTB is the broader pick. XTB offers 7,184 tradeable symbols and 71 forex pairs, while MultiBank lists 1,042 symbols and 40 forex pairs. Both support forex trading via CFDs and/or spot contracts. A key difference is stock access: XTB lets you buy real, exchange-traded shares on U.S. and international markets (not just CFDs), whereas MultiBank does not offer real share dealing. Reflecting this breadth, ForexBrokers.com rates XTB 5/5 for Range of Investments (ranked #15 of 63) versus MultiBank’s 4/5 (ranked #38).
On extras, MultiBank offers copy trading and the option to buy actual cryptocurrency, while XTB does not. Both brokers provide cryptocurrency CFDs. In short, choose XTB if you want the widest symbol list and the ability to buy real stocks across global markets; pick MultiBank if copy trading or purchasing actual crypto matters more to you.
| Feature |
XTB
|
MultiBank
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 7184 | 1042 |
| Forex Pairs (Total) | 71 | 40 |
| U.S. Stocks (Shares) | Yes | No |
| Global Stocks (Non-U.S. Shares) | Yes | No |
| Copy Trading | No | Yes |
| Cryptocurrency (Underlying) | No | Yes |
| 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). |
Dive deeper: Best Copy Trading Platforms.
XTB and MultiBank both offer free demo (paper) accounts, proprietary platforms, and trading on Windows desktop and in your web browser. The key differences are tool options: XTB does not support MetaTrader 4 (MT4) or MetaTrader 5 (MT5) and does not provide copy trading, while MultiBank supports both MT4 and MT5 and offers copy trading. Both brokers let you place trades directly from price charts. The exact counts for built-in chart indicators and watch list columns weren’t specified.
For Trading Platforms and Tools, XTB is rated 4.5/5 stars and ranks #9 out of 63 brokers at ForexBrokers.com, while MultiBank is rated 4/5 stars and ranks #40. Choose XTB if you want a streamlined, in-house platform experience; pick MultiBank if you value MetaTrader compatibility and copy trading features.
| Feature |
XTB
|
MultiBank
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Desktop Trading Platform | Yes | Yes |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Copy Trading | No | Yes |
| MetaTrader 4 (MT4) | No | Yes |
| MetaTrader 5 (MT5) | No | Yes |
| Charting - Indicators / Studies (Total) | 39 | 38 |
| Charting - Trade From Chart | Yes | Yes |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
Both XTB and MultiBank deliver mobile trading apps for iPhone and Android. Each app supports price alerts, drawing trendlines on charts, and automatically saving your chart annotations. The key difference is charting depth: XTB offers 39 built-in technical studies, while MultiBank includes 30. One shared limitation is watchlist symbol syncing—neither app syncs watchlists between mobile and the web platform, so changes don’t carry over.
Independent ratings favor XTB for mobile. XTB earns 4.5 out of 5 stars and ranks #8 out of 63 brokers in ForexBrokers.com’s Mobile Trading Apps category, while MultiBank scores 4 out of 5 stars and ranks #42. If richer indicators and a higher-rated experience matter to you, XTB has the edge; if you only need core alerts and chart drawing on both iPhone and Android, MultiBank still checks the main boxes.
| Feature |
XTB
|
MultiBank
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | No | No |
| Mobile Charting - Indicators / Studies | 39 | 30 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Trendlines Autosave | 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 (Articles) | Yes | No |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central | No | No |
| Client sentiment data | Yes | No |
| TipRanks | No | No |
| Acuity Trading | No | |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
For beginners comparing education at XTB versus MultiBank, XTB stands out for ongoing learning. XTB hosts client webinars at least once a month and offers 10+ beginner videos plus a deep catalog for advanced traders. MultiBank also provides 10+ beginner videos, but it does not run monthly educational webinars and lacks a comparable set of advanced videos. These differences show up in independent ratings: XTB earns 5 stars for Education and ranks #11 out of 63 brokers on ForexBrokers.com, while MultiBank scores 3.5 stars and ranks #50.
If you want live, interactive sessions and a clearer path from beginner to advanced topics, XTB is the stronger choice. If you mainly want a basic video library to get started, MultiBank can work, but XTB’s webinars and advanced content make it more appealing for growing your skills over time.
| Feature |
XTB
|
MultiBank
|
|---|---|---|
| Webinars | Yes | No |
| 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 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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| Trust Score | 96 | 84 |
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In this comparison of online brokers XTB and MultiBank, XTB offers only cryptocurrency CFDs and no delivered coins, while MultiBank lets you buy real cryptocurrencies and trade crypto CFDs.
Comparing online brokers XTB and MultiBank for deposits and withdrawals: XTB does not support ACH/SEPA but does accept PayPal, Skrill, and bank wire transfers, while MultiBank supports ACH/SEPA and its availability of PayPal, Skrill, bank wires, and Visa/Mastercard is 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 | 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, FSRA, or SCA 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. Stocks (Shares) | Yes | No | |
| Global Stocks (Non-U.S. Shares) | Yes | No | |
| Copy Trading | No | Yes | |
| Cryptocurrency (Underlying) | No | Yes | |
| 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). |
| Cost | XTB | MultiBank | |
|---|---|---|---|
| Average spread (EUR/USD) - Standard account | 1.00 | N/A | |
| All-in Cost EUR/USD - Active | 1.00 | N/A | |
| Inactivity Fee | Yes | Yes | |
| Order execution: Agency | Yes | No | |
| Order execution: Market Maker | Yes | Yes |
| Funding | XTB | MultiBank | |
|---|---|---|---|
| Minimum Deposit | $0 | $50 | |
| PayPal (Deposit/Withdraw) | Yes | ||
| Skrill (Deposit/Withdraw) | Yes | ||
| Bank Wire (Deposit/Withdraw) | Yes | ||
| Non-wire bank transfer | No | Yes |
| Trading Platforms | XTB | MultiBank | |
|---|---|---|---|
| Proprietary Desktop Trading Platform | Yes | Yes | |
| Desktop Platform (Windows) | Yes | Yes | |
| Web Platform | Yes | Yes | |
| Copy Trading | No | Yes | |
| MetaTrader 4 (MT4) | No | Yes | |
| MetaTrader 5 (MT5) | No | Yes | |
| cTrader | No | No |
| Trading Tools | XTB | MultiBank | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Price Alerts | Yes | Yes | |
| Charting - Indicators / Studies (Total) | 39 | 38 | |
| 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 Price Alerts | Yes | Yes | |
| Mobile Watchlist [DELETED] | |||
| Mobile Watchlists - Syncing | No | No | |
| Mobile Charting - Indicators / Studies | 39 | 30 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Trendlines Autosave | Yes | Yes | |
| Mobile Research - Economic Calendar | Yes | Yes |
| Research | XTB | MultiBank | |
|---|---|---|---|
| Daily Market Commentary (Articles) | Yes | No | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central | No | No | |
| TipRanks | No | No | |
| Client sentiment data | Yes | No | |
| Economic Calendar | Yes | Yes |
| Education | XTB | MultiBank | |
|---|---|---|---|
| Webinars | Yes | No | |
| Videos - Beginner Trading Videos | Yes | Yes | |
| Videos - Advanced Trading Videos | Yes | No |
| Major Forex Pairs | XTB | MultiBank | |
|---|---|---|---|
| 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 | 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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