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XTB vs OANDA 2025

ForexBrokers.com

Written by ForexBrokers.com

February 05, 2025

In this head to head comparison of XTB vs OANDA, we will compare the trading platforms, mobile apps, range of investments, costs, market research, and more. Let's dive in.

XTB
5/5 Stars Overall
  • Minimum Deposit: $0 info
  • Trust Score: 96
  • Tradeable Symbols (Total): 7184 info
OANDA
4.5/5 Stars Overall
  • Minimum Deposit: $0
  • Trust Score: 93
  • Tradeable Symbols (Total): 4172 info

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.

Regulation

Established in 2002, XTB is a prominent online broker known for its high Trust Score of 96, indicating a high level of trust according to ForexBrokers.com. XTB is publicly traded and holds two Tier-1 licenses, which are highly trusted, along with two Tier-2 licenses, considered trusted by the same authority. Despite not being a bank, its standing in the market is bolstered by public trade and regulatory recognition.

OANDA, founded in 1996, is another well-regarded online broker that garners a Trust Score of 93, signaling a strong trust rating. Although not publicly traded, OANDA surpasses XTB in regulatory credentials with seven Tier-1 licenses under its belt. Like XTB, OANDA is not a bank, yet its commendable regulatory framework heightens its credibility in the trading landscape.

Feature XTB logoXTB
OANDA logoOANDA
Year Founded info 2002 1996
Publicly Traded (Listed) info Yes No
Bank info No No
Tier-1 Licenses info 2 7
Tier-2 Licenses info 2 0
Tier-3 Licenses info 1 0
Tier-4 Licenses info 2 1

Fees

XTB vs. OANDA on commissions and fees: XTB is rated 4.5 out of 5 stars and ranks #13 out of 63 for this category, while OANDA is rated 4 out of 5 stars and ranks #30 out of 63. In general, XTB’s Standard account tends to be the better-value choice for most retail traders, whereas OANDA’s costs are typically higher unless you qualify for its core pricing or volume rebates. Both brokers offer incentives for active traders, but their structures and requirements differ.

XTB offers a spread-only Standard account and a commission-based Professional account that’s largely limited to elective professionals in the U.K. and EU and is being phased out. Using Q4 2023 data, XTB’s average spread on EUR/USD was about 1 pip on the Standard account. Minimum deposits start at 250 in your base currency. For smaller trade sizes, the Standard account is typically cheaper; pricing becomes more similar at higher volumes. XTB’s Lower Spread Group provides spread rebates of 5% to 30% once you trade 20 to 1,000 lots per month, helping narrow costs versus peers.

OANDA’s default (commission-free) pricing is on the higher side, with an average EUR/USD spread of 1.61 pips in July 2024. Its core pricing lowers the spread (for example, around 0.4 pips on EUR/USD) but adds a $5-per-side commission per $100,000 traded (about $10 per round turn), bringing the all-in example to roughly 1.4 pips—slightly cheaper than the default plan—though it requires a $10,000 minimum deposit. OANDA also stands out for tiny trade sizes (down to 1 unit) and offers Elite Trader rebates of $5 to $17 per million for clients trading $10 million+ in monthly volume. The broker publishes trailing average spreads for transparency, but the lack of fixed-period averages can make head-to-head comparisons less precise.

Feature XTB logoXTB
OANDA logoOANDA
Minimum Deposit info $0 info $0
Average spread (EUR/USD) - Standard account info 0.92 info 1.68 info
All-in Cost EUR/USD - Active info 0.92 info 1.69 info
Non-wire bank transfer info No Yes info
PayPal (Deposit/Withdraw) info Yes Yes
Skrill (Deposit/Withdraw) info Yes Yes
Bank Wire (Deposit/Withdraw) info Yes Yes

Dive deeper: Best Low Spread Forex Brokers.

Featured Offers


Range of investments

XTB edges out OANDA on sheer variety: it lists about 7,184 tradeable symbols and 71 forex pairs, compared with OANDA’s 4,172 symbols and 69 forex pairs. Both brokers support forex trading as CFDs or spot contracts and let you buy exchange-traded stocks on U.S. and international exchanges (not just CFDs). For crypto, both offer cryptocurrency CFDs, while OANDA also lets you buy actual crypto. Another difference: OANDA includes copy trading, whereas XTB does not.

Based on Range of Investments, ForexBrokers.com rates XTB at 5 stars (ranked #14 of 63) and OANDA at 4 stars (ranked #20 of 63). In short, XTB is a stronger pick if you want a larger instrument list, while OANDA appeals if you want copy trading and the option to purchase real cryptocurrency alongside CFDs.

Feature XTB logoXTB
OANDA logoOANDA
Forex Trading (Spot or CFDs) info Yes Yes info
Tradeable Symbols (Total) info 7184 info 4172 info
Forex Pairs (Total) info 71 69
U.S. Stocks (Shares) info Yes Yes
Global Stocks (Non-U.S. Shares) info Yes Yes
Copy Trading info No Yes info
Cryptocurrency (Underlying) info No Yes
Cryptocurrency (CFDs) info Yes Yes info
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.

Trading platforms and tools

XTB vs OANDA: Both brokers offer free demo accounts, proprietary platforms, a Windows desktop platform, and a web-based platform. Each also lets you trade directly from charts. The main differences come down to third‑party tools: OANDA supports MetaTrader 4 (MT4) and MetaTrader 5 (MT5) and includes copy trading, while XTB does not offer MT4/MT5 or copy trading.

For platform quality, ForexBrokers.com rates XTB 4.5/5 (ranked 9th of 63) and OANDA 4/5 (16th of 63). Pick OANDA if you need MetaTrader or copy trading; choose XTB if you want a higher-rated, in-house platform experience. Counts for built-in technical indicators and watchlist columns were not specified.

Feature XTB logoXTB
OANDA logoOANDA
Virtual Trading (Demo) info Yes Yes
Proprietary Desktop Trading Platform info Yes Yes
Desktop Platform (Windows) info Yes Yes
Web Platform info Yes Yes
Copy Trading info No Yes info
MetaTrader 4 (MT4) info No Yes
MetaTrader 5 (MT5) info No Yes info
Charting - Indicators / Studies (Total) info 39 89
Charting - Trade From Chart info Yes Yes

Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.

Forex trading apps

Comparing the XTB mobile app to the OANDA mobile app, both brokers check the key boxes: iPhone and Android support, price alerts for stocks and forex, trendline drawing on charts, and auto‑saving of your chart drawings. XTB offers more built-in technical studies (39 indicators) than OANDA (30), which can appeal to traders who rely on indicator variety. Neither app currently syncs watchlist symbols between mobile and the web platform. In independent ratings, XTB earns 4.5 out of 5 stars and ranks #8 out of 63 brokers for Mobile Trading Apps on ForexBrokers.com, while OANDA scores a perfect 5 stars and ranks slightly higher at #7.

If you want more indicators right out of the box, the XTB mobile app has the edge. If you prioritize overall app quality and ratings, OANDA’s mobile app stands out. Both apps are solid choices for on-the-go charting, alerts, and basic watchlist management, making XTB and OANDA strong contenders for mobile trading across iPhone and Android.

Feature XTB logoXTB
OANDA logoOANDA
Android App info Yes Yes
Apple iOS App info Yes Yes
Mobile Price Alerts info Yes Yes
Mobile Watchlists - Syncing info No No
Mobile Charting - Indicators / Studies info 39 30
Mobile Charting - Draw Trendlines info Yes Yes
Mobile Charting - Trendlines Autosave info Yes Yes

Dive deeper: Best Forex Trading Apps.

Market research

XTB and OANDA both deliver daily market commentary, real-time forex news from top-tier sources like Bloomberg or Reuters, sentiment tools showing long/short positioning, and an economic calendar for tracking global events. Neither broker integrates Trading Central, TipRanks, or Acuity Trading. One key difference: OANDA offers Autochartist for technical pattern recognition and trade ideas, while XTB does not include Autochartist.

Both brokers earn 5 stars for Research, but their standings differ on ForexBrokers.com: OANDA ranks #4 out of 63 brokers, while XTB ranks #9. If you value built-in automated chart pattern scanning, OANDA has an edge. If you just need daily insights, top-tier news, sentiment, and an economic calendar, both XTB and OANDA cover those needs well.

Feature XTB logoXTB
OANDA logoOANDA
Daily Market Commentary (Articles) info Yes Yes
Forex News (Top-Tier Sources) info Yes Yes
Autochartist info No Yes
Trading Central info No No
Client sentiment data info Yes Yes
TipRanks info No No
Acuity Trading info No No
Economic Calendar info Yes Yes

Dive deeper: Best Brokers for Forex Research.

Beginners and education

Both XTB and OANDA make it easy for beginners to get started with forex and CFD education. Each broker provides a library well beyond 10 pieces of learning content focused on forex and CFDs, including articles, videos, and archived webinars. You’ll find at least 10 beginner-friendly videos at both brokers, plus live client webinars at least once a month to help you build skills step by step.

In terms of quality, both earn 5 stars for Education from ForexBrokers.com. XTB holds a higher placement at #11 out of 63 brokers, while OANDA is close behind at #18. As you advance, both brands also offer 10+ videos for experienced traders, so you can keep learning in the same place as your needs grow.

Feature XTB logoXTB
OANDA logoOANDA
Webinars info Yes Yes
Videos - Beginner Trading Videos info Yes Yes
Videos - Advanced Trading Videos info Yes Yes

Dive deeper: Best Forex Brokers for Beginners.

Winner

After testing 63 of the best forex brokers, our research and account testing finds that XTB is better than OANDA. XTB finished with an overall rank of #7, while OANDA finished with an overall rank of #13.

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 logoXTB
OANDA logoOANDA
Overall Rating info 5/5 Stars 4.5/5 Stars
Trust Score info 96 93
Range of Investments 5/5 Stars 4/5 Stars
Trading Fees 4.5/5 Stars 4/5 Stars
Trading Platforms 4.5/5 Stars 4/5 Stars
Research 5/5 Stars 5/5 Stars
Mobile Trading 4.5/5 Stars 5/5 Stars
Education 4.5/5 Stars 4/5 Stars

FAQs

Can you trade cryptocurrency with XTB or OANDA?

XTB vs OANDA: OANDA lets you buy actual (delivered) cryptocurrencies and trade crypto CFDs, while XTB does not offer actual crypto purchases and only provides cryptocurrency trading via CFDs.

What funding options does each broker offer?

XTB vs OANDA: both brokers support PayPal, Skrill, and bank wire transfers for account funding and withdrawals, but only OANDA offers ACH/SEPA, and Visa/Mastercard availability is not specified for either.

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Overall Rating XTB OANDA
Overall Rating info 5/5 Stars 4.5/5 Stars
Trading Fees 4.5/5 Stars 4/5 Stars
Range of Investments 5/5 Stars 4/5 Stars
Trading Platforms 4.5/5 Stars 4/5 Stars
Mobile Trading 4.5/5 Stars 5/5 Stars
Research 5/5 Stars 5/5 Stars
Education 4.5/5 Stars 4/5 Stars
Trust Score info 96 93
Winner check_circle
Review XTB Review OANDA Review
Broker Screenshots XTB OANDA
Broker Gallery (click to expand) info
XTB xStation mobile trading app sentiment XTB xStation 5 web platform XTB website news headlines and sentiment. XTB educational course intermediate article lesson details
OANDA fxTrade mobile trading app charting OANDA Trade web platform. OANDA's website features research in the form of its MarketPulse blog, which includes news, analysis, and articles. The OANDA website's educational hub features webinars and videos covering current events and financial analysis.
Regulation XTB OANDA
Trust Score info 96 93
Year Founded info 2002 1996
Publicly Traded (Listed) info Yes No
Bank info No No
Regulated in one or more EU or EEA countries (MiFID). info Yes Yes info
Tier-1 Licenses info 2 7
Tier-2 Licenses info 2 0
Tier-3 Licenses info 1 0
Tier-4 Licenses info 2 1
Tier-1 Licenses (Highly Trusted) XTB OANDA
Australia (ASIC Authorised) info No Yes
Canada (CIRO Authorised) info No Yes
Hong Kong (SFC Authorised) info No No
Japan (FSA Authorised) info No Yes
Singapore (MAS Authorised) info No Yes
Switzerland (FINMA Authorised) info
United Kingdom (U.K.) (FCA Authorised) info Yes Yes
USA (CFTC Authorized) info No Yes
New Zealand (FMA Authorised) info No No
Regulated in one or more EU or EEA countries (MiFID). info Yes Yes info
Tier-2 Licenses (Trusted) XTB OANDA
Kenya (CMA Authorised) info
Israel (ISA Authorised) info No No
South Africa (FSCA Authorised) info Yes No
UAE (DFSA, FSRA, or SCA Authorised) info Yes info No
India (SEBI Authorised) info No No
Jordan (JSC Authorised) info
Investments XTB OANDA
Forex Trading (Spot or CFDs) info Yes Yes info
Tradeable Symbols (Total) info 7184 info 4172 info
Forex Pairs (Total) info 71 69
U.S. Stocks (Shares) info Yes Yes
Global Stocks (Non-U.S. Shares) info Yes Yes
Copy Trading info No Yes info
Cryptocurrency (Underlying) info No Yes
Cryptocurrency (CFDs) info Yes Yes info
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 XTB OANDA
Average spread (EUR/USD) - Standard account info 0.92 info 1.68 info
All-in Cost EUR/USD - Active info 0.92 info 1.69 info
Inactivity Fee info Yes Yes
Order execution: Agency info Yes No
Order execution: Market Maker info Yes Yes
Funding XTB OANDA
Minimum Deposit info $0 info $0
PayPal (Deposit/Withdraw) info Yes Yes
Skrill (Deposit/Withdraw) info Yes Yes
Bank Wire (Deposit/Withdraw) info Yes Yes
Non-wire bank transfer info No Yes info
Trading Platforms XTB OANDA
Proprietary Desktop Trading Platform info Yes Yes
Desktop Platform (Windows) info Yes Yes
Web Platform info Yes Yes
Copy Trading info No Yes info
MetaTrader 4 (MT4) info No Yes
MetaTrader 5 (MT5) info No Yes info
cTrader info No No
Trading Tools XTB OANDA
Virtual Trading (Demo) info Yes Yes
Price Alerts info Yes Yes
Charting - Indicators / Studies (Total) info 39 89
Charting - Trade From Chart info Yes Yes
Charts can be saved info Yes Yes
Mobile Trading XTB OANDA
Android App info Yes Yes
Apple iOS App info Yes Yes
Mobile Price Alerts info Yes Yes
Mobile Watchlist [DELETED] info
Mobile Watchlists - Syncing info No No
Mobile Charting - Indicators / Studies info 39 30
Mobile Charting - Draw Trendlines info Yes Yes
Mobile Charting - Trendlines Autosave info Yes Yes
Mobile Research - Economic Calendar info Yes Yes
Research XTB OANDA
Daily Market Commentary (Articles) info Yes Yes
Forex News (Top-Tier Sources) info Yes Yes
Autochartist info No Yes
Trading Central info No No
TipRanks info No No
Client sentiment data info Yes Yes
Economic Calendar info Yes Yes
Education XTB OANDA
Webinars info Yes Yes
Videos - Beginner Trading Videos info Yes Yes
Videos - Advanced Trading Videos info Yes Yes
Major Forex Pairs XTB OANDA
GBP/USD [DELETED] info
USD/JPY [DELETED] info
EUR/USD info Yes Yes
USD/CHF [DELETED] info
USD/CAD [DELETED] info
NZD/USD [DELETED] info
AUD/USD [DELETED] info
Review XTB Review OANDA Review
Overall XTB OANDA
Overall Rating info 5/5 Stars 4.5/5 Stars
Trading Fees 4.5/5 Stars 4/5 Stars
Range of Investments 5/5 Stars 4/5 Stars
Trading Platforms 4.5/5 Stars 4/5 Stars
Mobile Trading 4.5/5 Stars 5/5 Stars
Research 5/5 Stars 5/5 Stars
Education 4.5/5 Stars 4/5 Stars
Trust Score info 96 93
Winner check_circle
Review XTB Review OANDA Review
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