XTB vs FOREX.com: Which Broker Is Better?
Explore our detailed analysis of XTB vs. FOREX.com. We meticulously assessed trading costs, platforms, and other vital factors to guide you to your ideal broker. Both have distinct strengths and potential drawbacks to consider.
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Our full comparison covers the 10 most important trading factors, but here are five noticeable differences between XTB and FOREX.com:
- XTB has a minimum deposit requirement of $0, while FOREX.com requires $100.
- XTB offers social trading features on its platform, while FOREX.com does not.
- FOREX.com provides 24/7 customer support, while XTB does not.
- XTB claims to execute 99.35% of trades in less than 1 second, while FOREX.com focuses on reliable trade execution with minimal slippage.
- XTB offers three main account types: Standard, Pro, and Islamic, while FOREX.com offers Standard, Commission, DMA, and Demo accounts.
1. XTB: Lowest Spreads And Fees
XTB and FOREX.com both offer two pricing structures with Standard and Raw Accounts available. Try the FOREX.com vs XTB fee calculator below based on the most popular forex pairs and base currencies.
Standard Spreads
Our comparison of standard spreads between XTB and FOREX.com is based on a detailed analysis of average spreads, derived from both published data and live testing.
In the standard account setup with no commission fees, XTB’s average spread for EUR/USD is 25% tighter at 0.9 pips compared to FOREX.com’s 1.2 pips.
When analysing the EUR/JPY and AUD/JPY, XTB maintains spreads of 1.4 pips and 1.7 pips respectively, much lower than FOREX.com’s 2.8 pips and 2.3 pips.
| Forex Pair | XTB | FOREX.com | Industry Average |
|---|---|---|---|
| EUR/USD | 0.9 | 1.2 | 1.18 |
| USD/JPY | 1.4 | 1.5 | 1.37 |
| GBP/USD | 1.4 | 1.6 | 1.51 |
| AUD/USD | 1.3 | 1.4 | 1.41 |
| USD/CAD | 1.8 | 2.6 | 1.7 |
| EUR/GBP | 1.4 | 1.5 | 1.56 |
| EUR/JPY | 1.4 | 2.8 | 1.85 |
| AUD/JPY | 1.7 | 2.3 | 2.09 |
Standard Account Analysis Updated April 2025[1]April 2025 Published And Tested Data
Raw Spreads
While XTB’s raw spreads can be as low as 0.1 pips, FOREX.com offers even more competitive spreads, reaching as low as 0.0 pips.
These raw accounts feature ultra-tight spreads, but they come with a commission fee per lot traded. XTB’s commission is set at USD 4 per lot, slightly above the industry norm, whereas FOREX.com charges USD 3.50, aligning with the industry standard.
Both brokers incentivise high-volume trading with active trader programs, offering rebates for reaching certain monthly trading volumes, effectively reducing overall trading and commission costs.
| Raw Accounts | Minimum Forex Spread | Commission Fee (USD, per lot, per 100k traded) |
|---|---|---|
| XTB | 0.01 | $4 |
| Forex.com | 0.00 | $3.50 |
Discover more about Zero Spread Accounts.
Trading Cost Comparison
Utilise the comparison tool provided below to assess the trading costs of XTB and FOREX.com. This tool allows you to select your preferred base currency, trade size, and forex pair, enabling a tailored comparison of the costs associated with each broker.
You can also read more the best Lowest Commission Brokers.
Other Fees
Regarding other trading costs, both XTB and FOREX.com have inactivity and overnight holding fees. XTB charges a €10 monthly inactivity fee after 12 months without trading activity.
Similarly, FOREX.com levies a $15 monthly fee after a year of inactivity. Overnight holding fees, also known as swap fees, are standard across all brokers for positions held open overnight. These fees vary depending on market conditions and the type of position held.
Verdict
XTB is the more competitive broker in terms of spreads and costs. Its average standard spreads are significantly lower at 0.9 pips, offering a 25% advantage over FOREX.com.
*Your capital is at risk ‘73% of retail CFD accounts lose money’
2. FOREX.com: Better Trading Platform
Both brokers offer MetaTrader 4 (MT4), with XTB also providing the option of xStation and FOREX.com a proprietary platform with the ability to integrate TradingView.
| Trading Platform | XTB | FOREX.com |
|---|---|---|
| MetaTrader 4 | Yes | Yes |
| MetaTrader 5 | No | Yes |
| cTrader | No | No |
| TradingView | No | Yes |
| Copy Trading | No | Yes |
| Proprietary Platform | Yes | Yes |
FOREX.com Provide a Better MetaTrader 4 Offering
Both XTB and FOREX.com offer MetaTrader 4, equipped with automated trading through Expert Advisors, technical indicators, and advanced charting tools.
However, FOREX.com’s MT4 offering is more comprehensive, featuring over 20 exclusive tools for strategy optimisation, integrated Reuters news, and access to a wider range of Expert Advisors.
This makes FOREX.com’s MT4 platform particularly advantageous for traders seeking a more extensive set of tools and resources for algorithmic trading strategies.
Both brokers provide MT4 on desktop, web, and mobile, accommodating various trading styles.
Compare the best MT4 brokers.
FOREX.com Platform + TradingView for Advanced Charting
FOREX.com’s proprietary platform is enhanced by integrating TradingView, known for its advanced charting capabilities.
This combination provides traders with a fast, powerful, and secure web trading environment, alongside features like direct order creation from charts, a vast array of technical indicators, and customisable charting tools.
The inclusion of TradingView offers additional benefits such as a vast trader community, extensive technical analysis tools, dynamic alerts, and comprehensive market data, making it a comprehensive solution for traders seeking advanced charting and analytical capabilities.
XTB’s xStation Platform
XTB’s xStation platform is designed for traders of all levels, offering intuitive and advanced tools. It features professional analytical tools and a simple, intuitive design.
xStation also includes market sentiment indicators, comprehensive charts, and built-in trading calculators for risk management.
The platform is available on web, mobile, and desktop, providing accessibility and convenience.
Other Trading Tools
XTB, while offering VPS services, doesn’t provide as extensive a range of trading tools as FOREX.com.
FOREX.com boasts a suite of advanced tools like SMART Signals, Performance Analytics, and market news. These tools offer a more comprehensive trading experience, especially for traders looking for depth in technical analysis and strategy optimisation.
Verdict
Compared to XTB, FOREX.com offers a superior trading platform experience, thanks to its comprehensive MetaTrader 4 add-ons and TradingView integration for enhanced charting and analysis.
FOREX.com ReviewVisit FOREX.com
Your capital is at risk up to ‘76% of retail CFD accounts lose money with FOREX.com’
3. FOREX.com: Superior Accounts And Features
XTB and FOREX.com offer a range of account types to suit different trading needs.
XTB offers three main account types: Standard, Pro, and Islamic. The Standard account offers commission-free trading with slightly wider spreads, while the Pro account offers tighter spreads with a commission per trade. The Islamic account is swap-free and compliant with Sharia law. Learn more about the Best Brokers for Micro Trading and Swap Free Islamic Accounts.
FOREX.com offers two main account types: Standard and Commission. The Standard account offers competitive spreads with no commission, while the Commission account offers ultra-tight spreads with a commission per trade. FOREX.com also provides a Direct Market Access account for high-volume traders and a demo account for practice trading.
| Broker | Account Types |
|---|---|
| XTB | Standard, Pro, Islamic |
| FOREX.com | Standard, Commission, DMA, Demo |
| XTB | FOREX.com | |
|---|---|---|
| Standard Account | Yes | Yes |
| Raw Account | Yes | Yes |
| Swap Free Account | Yes | Yes |
| Active Traders | No | Yes |
| Spread Betting (UK) | No | No |
Verdict
XTB and FOREX.com offer a range of account types to suit different trading needs. However, FOREX.com’s Direct Market Access and demo accounts provide additional flexibility.
FOREX.com ReviewVisit FOREX.com
Your capital is at risk up to ‘76% of retail CFD accounts lose money with FOREX.com’
4. XTB: Best Trading Experience And Ease
When it comes to the best trading experience and ease, we’ve put both XTB and FOREX.com through their paces. From our testing, here’s what we found:
- XTB’s user-friendly platform and social trading features make it a top pick for beginner traders.
- FOREX.com’s advanced trading platform offers professional-grade charting and analysis tools.
- Both brokers offer VPS services for improved trade execution.
- XTB claims to execute 99.35% of trades in less than 1 second, while FOREX.com focuses on reliable trade execution with minimal slippage.
In our hands-on experience, we found that XTB’s platform was incredibly intuitive and easy to navigate, making it a great option for those new to trading. The social trading features also allow you to learn from more experienced traders, which can be a valuable resource.
On the other hand, FOREX.com’s advanced trading platform is packed with features that will satisfy even the most seasoned traders. The professional-grade charting and analysis tools are top-notch, and the VPS services ensure that your trades are executed quickly and reliably.
Verdict
XTB offers the best trading experience and ease with its user-friendly platform, social trading features, and fast execution speeds.
*Your capital is at risk ‘73% of retail CFD accounts lose money’
5. FOREX.com: Higher Trust Score
FOREX.com has a higher trust score of 84 vs 70 for XTB.
FOREX.com Trust Score
XTB Trust Score
Regulation
When it comes to regulation, FOREX.com is overseen by four tier-1 regulators while XTB is licensed by two top-tier authorities.
FOREX.com is regulated in the US by the National Futures Association (NFA) and the Commodity Futures Trading Commission (CFTC), and in Canada under the Investment Industry Regulatory Organisation of Canada (IIROC). In Europe, it’s governed by the Cyprus Securities and Exchange Commission (CySEC) and the UK’s Financial Conduct Authority (FCA). Forex.com also operates in Japan and has a license in the Cayman Islands.
XTB, focusing primarily on Europe and the UK, is regulated by CySEC and the FCA. However, XTB does not accept traders from the United States. Additionally, XTB holds licenses in other regions including Dubai, Spain, and Belize.
This regulatory spread underlines its strong European and UK focus, contrasting with FOREX.com’s broader global reach, which includes the US.
| XTB | FOREX.com | |
|---|---|---|
| Tier 1 Regulation | FCA (UK) CYSEC (Cyprus) | FCA (UK) CIRO (CANADA) NFA/CFTC (USA) CYSEC (Cyprus) |
| Tier 2 Regulation | DFSA (Dubai) CMNV (Spain) KNF (Poland) | JFSA (Japan) |
| Tier 3 Regulation | FSC-BZ | CIMA (Cayman) |
Reputation
FOREX.com was established in 1999 in New Jersey, United States, while XTB was founded in 2002 in London, United Kingdom.
Both brokers have a strong reputation, with FOREX.com being a more popular broker for US traders, and XTB UK and European traders.
Reviews
On TrustPilot, XTB has a score of 4/5 from 865 reviews, while FOREX.com has a score of 4.6/5 from 679 reviews.
FOREX.com’s higher TrustPilot score indicates a higher rate of customer satisfaction than XTB.
Verdict
This was a clear win for FOREX.com with the broker winning all three trust categories.
FOREX.com ReviewVisit FOREX.com
Your capital is at risk up to ‘76% of retail CFD accounts lose money with FOREX.com’
6. XTB: Superior Product Range And Range Of CFD Markets
When it comes to the range of CFDs, products, and markets available, both XTB and FOREX.com have a lot to offer. From our testing, here’s a comparison of what each broker provides:
| Criteria | XTB | FOREX.com |
|---|---|---|
| Forex CFD | 48 | 91 |
| Shares CFD | 1848 | 220 |
| Cryptos CFD | 10+ | 8 |
| Commodities CFD | 7 Metals, 6 Energies, 10 Softs | 2 Metals (6 Gold crosses, 2 Silver crosses), 2 Energies, 2 Softs |
| Indices CFD | 30 | 17 |
| Bonds/Treasuries CFD | 3 | No |
| Spread Betting (UK only) | No | No |
| Other Products | No | No |
| Shares (underlying) | No | No |
XTB offers a wide range of CFDs, including forex, shares, cryptos, commodities, indices, and bonds. FOREX.com also provides a comprehensive range of CFDs, with a particular focus on forex and shares. However, XTB has the edge when it comes to the sheer number of CFDs available, with a particularly impressive range of shares CFDs.
Verdict
XTB offers the best range of CFDs and markets, with a comprehensive selection that caters to all types of traders.
*Your capital is at risk ‘73% of retail CFD accounts lose money’
7. XTB: Superior Educational Resources
When it comes to educational resources, both XTB and FOREX.com have a lot to offer. Here’s a comparison of the educational resources each broker provides:
- XTB offers a comprehensive trading academy with courses for traders of all levels.
- FOREX.com provides a wide range of educational content, including webinars, articles, and videos.
- XTB’s trading academy includes interactive quizzes to test your knowledge.
- FOREX.com offers a demo account to practice trading with virtual money.
- XTB provides daily market analysis and news to help you make informed trading decisions.
- FOREX.com has a team of market analysts who provide regular insights and analysis.
From our testing and the information on the page, we found that both brokers offer a wealth of educational resources to help you improve your trading skills. However, XTB’s trading academy, with its interactive quizzes and comprehensive courses, stands out as particularly valuable for traders looking to learn and improve.
Verdict
XTB offers the best educational resources, with its comprehensive trading academy and interactive quizzes providing valuable learning opportunities for traders of all levels.
*Your capital is at risk ‘73% of retail CFD accounts lose money’
8. FOREX.com: Best Customer Support
Customer service is a crucial factor when choosing a forex broker. XTB and FOREX.com offer comprehensive customer support, including live chat, phone, and email support. However, FOREX.com stands out with its 24/7 customer support, assisting traders around the clock.
| Broker | Customer Support |
|---|---|
| XTB | Live chat, phone, email |
| FOREX.com | Live chat, phone, email (24/7) |
Verdict
While both brokers offer strong customer support, FOREX.com’s 24/7 support gives it the edge in this category.
FOREX.com ReviewVisit FOREX.com
Your capital is at risk up to ‘76% of retail CFD accounts lose money with FOREX.com’
9. XTB: Better Funding Options
When it comes to funding options, both XTB and FOREX.com provide a range of methods to suit different needs. From our testing, here’s what we found:
XTB offers a variety of funding options, including bank transfers, credit/debit cards, and e-wallets such as PayPal and Skrill. The broker also does not charge any fees for deposits or withdrawals, which is a significant advantage.
On the other hand, FOREX.com also provides a range of funding options, including bank transfer and credit/debit cards, but does not offer e-wallets. The broker may also charge fees for withdrawals, depending on the method used.
Here’s a comparison of the funding options available:
| Funding Option | Bank Transfer | Credit/Debit Card | PayPal | Skrill | Neteller | Other E-wallets | Cheque | Fees for Deposits | Fees for Withdrawals |
|---|---|---|---|---|---|---|---|---|---|
| XTB | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✗ | ✗ | ✗ |
| FOREX.com | ✓ | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ |
Verdict
XTB offers the best funding options, with a wider range of methods available and no fees for deposits or withdrawals.
*Your capital is at risk ‘73% of retail CFD accounts lose money’
10. XTB: Lower Minimum Deposit
XTB has a lower minimum of $0 than FOREX.com’s $100 requirement. While the latter is still relatively low compared to some other brokers, it may be a barrier for some traders.
XTB
| GBP | USD | EUR | AUD | |
|---|---|---|---|---|
| Credit Card / Debit Card | £0 | $0 Minimum Deposit | €0 Minimum Deposit | $0 |
| Bank Wire | £0 | $0 Minimum Deposit | €0 Minimum Deposit | $0 |
| Skrill | £0 | $0 Minimum Deposit | €0 Minimum Deposit | $0 |
| Neteller | £0 | $0 Minimum Deposit | €0 Minimum Deposit | $0 |
FOREX.com
| Minimum Deposit | GBP | USD | EUR | AUD |
|---|---|---|---|---|
| Credit Card / Debit Card | £100 | $100 | €100 | $100 |
| Bank Wire | £100 | $100 | €100 | $100 |
| Skrill | £100 | $100 | €100 | $100 |
| Neteller | £100 | $100 | €100 | $100 |
Here’s a comparison of the minimum deposit amounts for each broker:
| Minimum Deposit | Recommended Deposit | |
| XTB | $0 | $250 |
| FOREX.com | $100 | $2,500 |
Verdict
XTB offers a lower minimum deposit, thus winning this category. While they both brokers have their recommended deposit amounts, XTB’s is lower as well.
*Your capital is at risk ‘73% of retail CFD accounts lose money’
So Is FOREX.com or XTB The Better Broker?
XTB is the winner because it outperforms FOREX.com in most of the key areas that matter to traders.
| Criteria | XTB | FOREX.com |
|---|---|---|
| Lowest Spreads And Fees | ✅ | ❌ |
| Better Trading Platform | ✅ | ❌ |
| Superior Accounts And Features | ❌ | ✅ |
| Best Trading Experience And Ease | ✅ | ❌ |
| Stronger Trust And Regulation | ✅ | ❌ |
| Top Product Range And CFD Markets | ✅ | ❌ |
| Superior Educational Resources | ✅ | ❌ |
| Superior Customer Service | ❌ | ✅ |
| Better Funding Options | ✅ | ❌ |
| Lower Minimum Deposit | ✅ | ❌ |
XTB: Best For Beginner Traders
XTB is the better broker for beginner traders, offering a user-friendly platform, comprehensive educational resources, and a low minimum deposit.
XTB: Best For Experienced Traders
XTB is also the better broker for experienced traders, providing a top-notch trading platform, a wide range of CFD markets, and competitive spreads and fees.
FAQs Comparing XTB Vs FOREX.com
Does FOREX.com or XTB Have Lower Costs?
XTB has lower costs compared to FOREX.com. XTB offers competitive spreads starting from 0.1 pips, while FOREX.com’s spreads start from 1.0 pips. Additionally, XTB does not charge any fees for deposits or withdrawals, whereas FOREX.com may charge withdrawal fees depending on the method used. For more information on low-cost brokers, check out our Lowest Commission Brokers.
Which Broker Is Better For MetaTrader 4?
XTB is the better broker for MetaTrader 4, offering a seamless integration with the popular trading platform. XTB’s MT4 platform is user-friendly and packed with features, making it a top choice for traders. For more information on the best MT4 brokers, visit our best MT4 brokers page.
Which Broker Offers Social Trading?
XTB offers social trading, allowing traders to copy the trades of more experienced traders. This feature is particularly useful for beginners who are still learning the ropes. For more information on the best social trading platforms, check out our best copy trading platforms page.
Does Either Broker Offer Spread Betting?
Neither XTB nor FOREX.com offer spread betting. Spread betting is a popular trading method in the UK that allows traders to speculate on the price movements of financial instruments without owning the underlying asset. For more information on the best spread betting brokers, check out our best spread betting brokers page.
What Broker is Superior For Australian Forex Traders?
In my opinion, XTB is superior for Australian Forex traders. Both brokers are regulated by the Australian Securities and Investments Commission (ASIC), but XTB offers a more user-friendly platform and a wider range of CFD markets. Additionally, XTB has competitive spreads and no fees for deposits or withdrawals. For more information on the best Australian Forex brokers, visit our Best Forex Brokers In Australia page.
What Broker is Superior For UK Forex Traders?
In my opinion, XTB is superior for UK Forex traders. Both brokers are regulated by the Financial Conduct Authority (FCA), but XTB offers a more user-friendly platform, a wider range of CFD markets, and competitive spreads. Additionally, XTB has no fees for deposits or withdrawals. For more information on the best UK Forex brokers, visit our UK Forex brokers page.
Article Sources
No commission account spread propriety testing data and published website spread information, centralised on our Standard Account Spreads page.
Other XTB and FOREX.com Comparison
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