In 2025, XTB and FOREX.com stand as two globally trusted brokers, known for their strong regulation, accessible platforms, and solid trading conditions. But which broker is right for you?
In this comprehensive comparison of XTB vs FOREX.com, we break down the key differences across regulation, spreads, platforms, tools, account types, and more — so you can make an informed decision as a beginner, intermediate, or professional trader.
Broker Review Contents
🛡 Regulation & Safety
XTB:
- Regulated by:
- FCA (UK)
- KNF (Poland)
- CySEC (Europe)
- Listed on the Warsaw Stock Exchange (WSE)
- Operating since 2002
- Negative balance protection
FOREX.com:
- Regulated by:
- CFTC/NFA (USA)
- FCA (UK)
- ASIC (Australia)
- CySEC (EU)
- Operated by StoneX Group, publicly traded on NASDAQ
👉 Winner: FOREX.com
Both are well-regulated, but FOREX.com’s U.S. presence and global licensing offer broader trust coverage.
💻 Trading Platforms
| Feature | XTB | FOREX.com |
|---|---|---|
| MetaTrader 4 (MT4) | ❌ No | ✅ Yes |
| MetaTrader 5 (MT5) | ❌ No | ✅ Yes |
| Proprietary Platform | ✅ xStation 5 | ✅ Web & Mobile platforms |
| Copy/Social Trading | ❌ No | ❌ No |
| VPS Hosting | ❌ No | ✅ Yes (via MT4/MT5) |
👉 Winner: FOREX.com
Supports MT4 and MT5, ideal for algorithmic trading and EAs. XTB’s xStation 5 is great for beginners, but lacks platform flexibility.
💰 Spreads & Trading Costs
| Instrument | XTB Avg Spread | FOREX.com Avg Spread |
|---|---|---|
| EUR/USD | 0.9 pips | 1.0 pips |
| Gold | 0.3 | 0.15 |
| S&P 500 | 0.6 | 0.6 |
| BTC/USD | 80 | 90 |
- XTB operates a spread-only model
- FOREX.com offers both spread-only and commission-based pricing
👉 Winner: Tie
XTB slightly edges on FX spreads. FOREX.com offers better gold pricing and more account flexibility.
📈 Tradable Instruments
| Asset Type | XTB | FOREX.com |
|---|---|---|
| Forex | ✅ Yes | ✅ Yes |
| Indices | ✅ Yes | ✅ Yes |
| Stocks (CFDs) | ✅ Yes | ✅ Yes |
| ETFs (CFDs) | ✅ Yes | ❌ No |
| Commodities | ✅ Yes | ✅ Yes |
| Cryptocurrencies | ✅ Yes | ✅ Yes |
| Bonds | ❌ No | ✅ Yes |
👉 Winner: XTB
Supports ETF CFDs, which FOREX.com lacks. FOREX.com has bond CFDs, but XTB’s broader stock and ETF CFD access makes it more attractive for equity-focused traders.
👥 Account Types & Deposits
| Feature | XTB | FOREX.com |
|---|---|---|
| Standard Account | ✅ Yes | ✅ Yes |
| Islamic Account | ✅ Yes | ✅ Yes |
| Commission Account | ❌ No | ✅ Yes |
| Minimum Deposit | $0 | $100 |
| Demo Account | ✅ Yes | ✅ Yes |
👉 Winner: XTB
No minimum deposit and simple account structure — excellent for new traders.
🧠 Tools & Education
| Tool/Feature | XTB | FOREX.com |
|---|---|---|
| Autochartist | ❌ No | ✅ Yes |
| Trading Central | ✅ Yes | ✅ Yes |
| Market Sentiment | ✅ Yes | ✅ Yes |
| Webinars & Courses | ✅ Yes | ✅ Yes |
| Strategy Builders | ❌ No | ✅ MT5/MT4 compatible |
👉 Winner: FOREX.com
More robust tools for advanced traders and technical analysts.
💳 Deposit & Withdrawal Options
| Method | XTB | FOREX.com |
|---|---|---|
| Bank Transfer | ✅ Yes | ✅ Yes |
| Credit/Debit | ✅ Yes | ✅ Yes |
| PayPal | ✅ Yes | ✅ Yes |
| Skrill/Neteller | ✅ Yes | ❌ No |
| Crypto | ❌ No | ❌ No |
👉 Winner: XTB
Supports Skrill and Neteller, offering more payment flexibility.
📊 Broker Scorecard
| Category | XTB | FOREX.com |
|---|---|---|
| Regulation | 9/10 | 10/10 |
| Platforms | 7/10 | 9/10 |
| Spreads & Pricing | 8/10 | 8/10 |
| Market Access | 9/10 | 8/10 |
| Account Options | 9/10 | 8/10 |
| Trading Tools | 7/10 | 9/10 |
| Deposits/Withdrawals | 9/10 | 8/10 |
| Education | 9/10 | 9/10 |
| Total Score | 67/80 | 69/80 |
🏁 Final Verdict: XTB or FOREX.com?
Both brokers are strong choices, but they cater to slightly different users:
- ✅ Choose XTB if you’re a beginner or intermediate trader who values an intuitive platform, low entry point, and strong education.
- ✅ Choose FOREX.com if you’re a professional or algo trader who needs MT4/MT5, advanced tools, and deeper global regulation.
Both are trusted, FCA-regulated brokers with decades of experience. It comes down to your trading goals.
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