Written by ForexBrokers.com
In this head to head comparison of XTB vs Spreadex, 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.
XTB (founded in 2002) is a publicly traded online broker, while Spreadex (founded in 1999) is privately held. Neither company is a bank.
Regulation and trust: XTB holds 2 Tier-1 and 2 Tier-2 licenses; Spreadex holds 1 Tier-1 and 0 Tier-2. According to ForexBrokers.com, XTB’s Trust Score is 96/99 (90–99 = highly trusted), whereas Spreadex scores 70/99 (70–79 = average risk; 60–69 = high risk; under 59 = do not trust). In short, XTB is rated highly trusted, while Spreadex falls into the average-risk category.
| Feature |
XTB
|
Spreadex
|
|---|---|---|
| Year Founded | 2002 | 1999 |
| Publicly Traded (Listed) | Yes | No |
| Bank | No | No |
| Tier-1 Licenses | 2 | 1 |
| Tier-2 Licenses | 2 | 0 |
| Tier-3 Licenses | 1 | 0 |
| Tier-4 Licenses | 2 | 0 |
XTB and Spreadex both offer competitive pricing, but Spreadex has the edge on raw spread costs for EUR/USD. In January 2024, Spreadex averaged 0.81 pips on EUR/USD, with a minimum spread of 0.6 pips available 60% of the time. XTB’s average EUR/USD spread was 1 pip based on Q4 2023 data. That means Spreadex is often the cheaper choice for traders who care most about day-to-day spread costs, while XTB still sits in the middle of the pack for overall pricing.
XTB uses a spread-only Standard account for most retail traders, while its commission-based Professional account is limited to eligible clients in the U.K. and Europe and is being phased out in many regions. Minimum deposits start at 250 of the base currency. For active traders, XTB also offers its Lower Spread Group, which can rebate 5% to 30% of the spread once trading volume reaches certain levels. Spreadex is simpler in this comparison, with pricing that is generally spread-based and no comparable active-trader rebate program mentioned here.
In ForexBrokers.com’s Commissions and Fees category, XTB is rated 4.5 out of 5 stars and ranks #13 out of 36 brokers, while Spreadex is rated 4 out of 5 stars and ranks #26 out of 36. For most traders, that makes XTB the stronger overall pick on fees and pricing structure, even though Spreadex can offer lower EUR/USD spreads.
| Feature |
XTB
|
Spreadex
|
|---|---|---|
| Minimum Deposit | $0 | $0 |
| Average spread (EUR/USD) - Spread-only account | 1.06 | 0.81 |
| All-in Cost EUR/USD - Raw spread account | N/A | N/A |
| Non-wire bank transfer (Deposit/Withdraw) | No | No |
| PayPal (Deposit/Withdraw) | Yes | No |
| Skrill (Deposit/Withdraw) | Yes | No |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
XTB and Spreadex both give traders access to forex as CFDs or spot contracts, and each offers cryptocurrency CFDs. They are also closely matched on overall range of investments, with both earning 5 out of 5 stars for this category. In ForexBrokers.com’s rankings, Spreadex sits slightly ahead at #13 out of 36 brokers, while XTB is ranked #14.
Where XTB stands out is in the variety of assets available. It offers 10,521 tradeable symbols and 71 forex pairs, compared with 10,000 symbols and 52 forex pairs at Spreadex. XTB also lets clients buy real shares on U.S. and international exchanges, such as Apple and Vodafone, and it supports buying actual cryptocurrency as well as crypto CFDs. Spreadex does not offer exchange-traded stocks or delivered crypto, so its range is narrower in those areas.
| Feature |
XTB
|
Spreadex
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 10521 | 10000 |
| Forex Pairs (Total) | 71 | 52 |
| U.S. Stocks (Shares) | Yes | No |
| Global Stocks (Non-U.S. Shares) | Yes | No |
| Copy Trading | No | No |
| Cryptocurrency (Underlying) | Yes | 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.
XTB and Spreadex both make it easy for beginners and active traders to get started, since each offers a free demo account and a browser-based trading platform. Both brokers also use their own in-house platform, and both let you trade directly from a chart. However, neither one offers a Windows desktop download platform, MetaTrader 4, MetaTrader 5, or copy trading, so the experience is more focused on their own web tools than on third-party software.
For trading platforms and tools, XTB has the edge. It is rated 4.5 out of 5 stars by ForexBrokers.com and ranks #9 out of 36 brokers in this category, compared with Spreadex’s 4-star rating and #35 ranking. While both brokers cover the basics well, XTB stands out as the stronger choice overall for platform quality and trading tools.
| Feature |
XTB
|
Spreadex
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Desktop Trading Platform | Yes | Yes |
| Desktop Platform (Windows) | No | No |
| Web Platform | Yes | Yes |
| Copy Trading | No | No |
| MetaTrader 4 (MT4) | No | No |
| MetaTrader 5 (MT5) | No | No |
| Charting - Indicators / Studies (Total) | 92 | 58 |
| Charting - Trade From Chart | Yes | Yes |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
XTB and Spreadex both offer mobile trading apps for iPhone and Android, and each app includes stock or forex price alerts plus the ability to draw trendlines on charts. That said, XTB has the edge for everyday app use thanks to watchlist syncing between mobile and online accounts, so changes update in both places automatically. XTB also saves chart drawings in the app, which makes it easier to pick up where you left off, while Spreadex does not offer this feature.
When it comes to charting depth, XTB stands out with 104 technical studies in its mobile app, while Spreadex does not list a comparable number. This broader toolset helps XTB earn a stronger mobile trading reputation overall, with a 4.5-star rating and a ForexBrokers.com ranking of #8 out of 36 brokers. Spreadex is still a workable choice, but its mobile app trails behind XTB, with a 4-star rating and a #34 ranking.
| Feature |
XTB
|
Spreadex
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | Yes | No |
| Mobile Charting - Indicators / Studies | 104 | N/A |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Trendlines Autosave | Yes | No |
Dive deeper: Best Forex Trading Apps.
XTB and Spreadex both give traders daily market commentary, a sentiment tool showing long and short positioning, and an economic calendar with major global events. That means both brokers cover the basics well for keeping track of news, trader mood, and key dates that may move the markets.
The bigger difference is in the depth of outside research. Spreadex includes forex news from top sources such as Bloomberg, Reuters, and Dow Jones, plus Autochartist tools for technical and fundamental analysis, while XTB does not offer these. XTB still comes out ahead overall in research, with a 5-star rating and a #9 ranking out of 36 brokers from ForexBrokers.com, compared with Spreadex’s 4-star rating and #28 ranking.
| Feature |
XTB
|
Spreadex
|
|---|---|---|
| Daily Market Commentary (Articles) | Yes | Yes |
| Forex News (Top-Tier Sources) | No | Yes |
| Autochartist | No | Yes |
| Trading Central | No | No |
| Client sentiment data | Yes | Yes |
| TipRanks | No | No |
| Acuity Trading | No | No |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
For beginners looking to learn the basics, XTB has a clear edge over Spreadex. XTB offers forex and CFDs education, runs online educational webinars at least once a month, and provides 10 or more beginner videos as well as 10 or more advanced videos for traders who want to go further. This stronger mix of learning tools helps explain why XTB is rated 5 stars for Education and ranks #11 out of 36 brokers by ForexBrokers.com.
Spreadex still gives new traders some useful support, including at least 10 beginner educational videos, but it falls behind in the areas that matter most for ongoing learning. It does not offer monthly educational webinars, does not provide the same level of forex or CFDs education, and does not have 10 or more advanced videos for experienced traders. That lighter selection is reflected in its 4-star Education rating and #34 ranking out of 36.
| Feature |
XTB
|
Spreadex
|
|---|---|---|
| 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 Spreadex. XTB finished with an overall rank of #7, while Spreadex finished with an overall rank of #33.
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 offers comprehensive educational content and market research.
| Feature |
XTB
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Spreadex
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|---|---|---|
| Overall Rating |
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| Trust Score | 96 | 70 |
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XTB lets you buy both actual, delivered cryptocurrency and cryptocurrency CFDs, while Spreadex offers cryptocurrency CFDs only and does not support purchasing the underlying crypto asset.
Comparing online brokers XTB vs Spreadex for deposit and withdrawal methods: neither offers ACH or SEPA transfers, both support bank wire transfers, XTB supports PayPal and Skrill while Spreadex does not, and Visa/Mastercard availability 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 | Spreadex | |
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| Trust Score | 96 | 70 | |
| Winner | check_circle | ||
| Review | XTB Review | Spreadex Review |
| Broker Screenshots | XTB | Spreadex | |
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| Regulation | XTB | Spreadex | |
|---|---|---|---|
| Trust Score | 96 | 70 | |
| Year Founded | 2002 | 1999 | |
| Publicly Traded (Listed) | Yes | No | |
| Bank | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | No | |
| Tier-1 Licenses | 2 | 1 | |
| Tier-2 Licenses | 2 | 0 | |
| Tier-3 Licenses | 1 | 0 | |
| Tier-4 Licenses | 2 | 0 |
| Tier-1 Licenses (Highly Trusted) | XTB | Spreadex | |
|---|---|---|---|
| Australia (ASIC Authorised) | No | No | |
| Canada (CIRO Authorised) | No | No | |
| Hong Kong (SFC Authorised) | No | No | |
| Japan (FSA Authorised) | No | No | |
| Singapore (MAS Authorised) | No | No | |
| Switzerland (FINMA Authorised) | |||
| United Kingdom (U.K.) (FCA Authorised) | Yes | Yes | |
| USA (CFTC Authorized) | No | No | |
| New Zealand (FMA Authorised) | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | No |
| Tier-2 Licenses (Trusted) | XTB | Spreadex | |
|---|---|---|---|
| Kenya (CMA Authorised) | |||
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | Yes | No | |
| UAE (DFSA, FSRA, or CMA Authorised) | Yes | No | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) |
| Investments | XTB | Spreadex | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 10521 | 10000 | |
| Forex Pairs (Total) | 71 | 52 | |
| U.S. Stocks (Shares) | Yes | No | |
| Global Stocks (Non-U.S. Shares) | Yes | No | |
| Copy Trading | No | No | |
| Cryptocurrency (Underlying) | Yes | 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 | XTB | Spreadex | |
|---|---|---|---|
| Average spread (EUR/USD) - Spread-only account | 1.06 | 0.81 | |
| All-in Cost EUR/USD - Raw spread account | N/A | N/A | |
| Inactivity Fee | Yes | No | |
| Order execution: Agency | Yes | No | |
| Order execution: Market Maker | Yes | Yes |
| Funding | XTB | Spreadex | |
|---|---|---|---|
| Minimum Deposit | $0 | $0 | |
| PayPal (Deposit/Withdraw) | Yes | No | |
| Skrill (Deposit/Withdraw) | Yes | No | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| Non-wire bank transfer (Deposit/Withdraw) | No | No |
| Trading Platforms | XTB | Spreadex | |
|---|---|---|---|
| Proprietary Desktop Trading Platform | Yes | Yes | |
| Desktop Platform (Windows) | No | No | |
| Web Platform | Yes | Yes | |
| Copy Trading | No | No | |
| MetaTrader 4 (MT4) | No | No | |
| MetaTrader 5 (MT5) | No | No | |
| cTrader | No | No |
| Trading Tools | XTB | Spreadex | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Price Alerts | Yes | Yes | |
| Charting - Indicators / Studies (Total) | 92 | 58 | |
| Charting - Trade From Chart | Yes | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | XTB | Spreadex | |
|---|---|---|---|
| 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 | 104 | N/A | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Trendlines Autosave | Yes | No | |
| Mobile Research - Economic Calendar | Yes | Yes |
| Research | XTB | Spreadex | |
|---|---|---|---|
| Daily Market Commentary (Articles) | Yes | Yes | |
| Forex News (Top-Tier Sources) | No | Yes | |
| Autochartist | No | Yes | |
| Trading Central | No | No | |
| TipRanks | No | No | |
| Client sentiment data | Yes | Yes | |
| Economic Calendar | Yes | Yes |
| Education | XTB | Spreadex | |
|---|---|---|---|
| Webinars | Yes | No | |
| Videos - Beginner Trading Videos | Yes | Yes | |
| Videos - Advanced Trading Videos | Yes | No |
| Major Forex Pairs | XTB | Spreadex | |
|---|---|---|---|
| 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 | Spreadex Review |
| Overall | XTB | Spreadex | |
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| Trust Score | 96 | 70 | |
| Winner | check_circle | ||
| Review | XTB Review | Spreadex Review |
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