Fineco vs XTB (2026): regulation, platforms and costs compared

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Data refreshed 25 Aug 2026 · Compiled by David Ispiryan

Fineco

Trust rank #14 · Founded 1999

Fineco forex broker offers a multi-asset trading platform with broad currency pair access, built-in research, charting, and risk management tools. It delivers a streamlined web and mobile experience for order placement and…

Read the Fineco review

XTB

Trust rank #7 · Founded 2002

XTB is a forex and CFD broker offering a proprietary platform, broad instrument coverage, and integrated research and education. It is regulated in multiple jurisdictions.

Read the XTB review

Fineco (Italy, founded 1999) holds 2 regulatory licences (CONSOB, FCA), 2 of them tier-1, offers Proprietary and sits in our low-fee bracket. XTB (Poland, founded 2002) holds 5 regulatory licences (DFSA, FCA, FSCA, IFSC, KNF), 1 of them tier-1, offers Proprietary and sits in our low-fee bracket. The two overlap in 2 countries; Fineco is available in 0 countries where XTB is not, and XTB in 46 where Fineco is not.

Verdict at a glance

  • Fineco leads on track record and tier-1 licences.
  • XTB leads on trust rank, regulatory coverage, instrument range and country coverage.
  • Level on platform choice and fee level.

Scored on 8 measurable dimensions where both brokers have verified data. Dimensions missing for either side are excluded rather than guessed. This is a data summary, not a recommendation.

Fineco vs XTB: side-by-side data

CriteriaFinecoXTB
Trust rank#14#7
Founded19992002
HeadquartersItalyPoland
RegulatorsCONSOB, FCADFSA, FCA, FSCA, IFSC, KNF
Broker typeMarket MakerMarket Maker
PlatformsProprietaryProprietary
InstrumentsForexCommodities, Cryptocurrencies, Forex, Indices
Countries accepted2 countries48 countries
Fee levelLowLow
Trading typesCFD TradingCFD Trading
Best-for use casesRetail TradingProfessional Trading, Retail Trading

Highlighted cells mark the stronger value where a direction is objectively better (e.g. more licences, lower fees). "Not verified" means the field is not yet in our catalogue for that broker — we never fill gaps with estimates.

Pros

Fineco

  • EU-regulated bank broker; segregated client funds
  • Negative balance protection (ESMA)
  • Proprietary PowerDesk platform with advanced charting and order types
  • Multicurrency account with instant FX conversion
  • Competitive variable spreads on major FX pairs

XTB

  • Tier-1 multi-jurisdiction regulation
  • Proprietary xStation 5 platform with advanced charting and one-click trading
  • Official xAPI for algorithmic trading and data access
  • Competitive FX spreads with commission-free Standard account
  • Publicly listed broker with audited financials

Cons

Fineco

  • No MetaTrader (MT4/MT5) or cTrader support
  • Retail leverage capped at 1:30 (ESMA/UK)
  • Smaller FX pair selection vs top brokers
  • No social/copy trading features
  • No open API for automated trading

XTB

  • No MetaTrader 5 support
  • No guaranteed stop-loss orders (GSLOs)
  • Inactivity fee after prolonged inactivity
  • Withdrawal fees for small amounts below minimum threshold
  • No integrated social/copy trading

Key features

Fineco

  • EU Bank Regulated by Bank of Italy and CONSOB
  • Forex CFDs with ESMA Leverage up to 30 to 1
  • Proprietary Platforms PowerDesk Web and Mobile
  • Advanced Charting and Order Types including Trailing Stops
  • Multicurrency Accounts and Real Time FX Conversion
  • Negative Balance Protection for Retail Clients

XTB

  • Multi asset CFD trading Forex Indices Commodities Shares ETFs Crypto
  • Real stock and ETF investing zero commission up to monthly cap
  • xStation 5 proprietary platform advanced charting sentiment and risk tools
  • Publicly listed broker segregated client funds and negative balance protection
  • Tier one regulation including FCA and KNF
  • Extensive education research and market news resources

Country availability: Fineco vs XTB

Available at both (2): Italy, United Kingdom.

Only XTB (46): Angola, Austria, Belgium, Bermuda, Bulgaria, Canada, Chile, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, Indonesia, Ireland, Latvia, Lithuania, Luxembourg, Malaysia, Malta and 21 more.

Availability reflects the countries each broker declares it serves. Local rules change; confirm on the broker's own site before signing up.

Fineco vs XTB: common questions

Which broker is more regulated, Fineco or XTB?

XTB holds more regulatory licences: Fineco (CONSOB, FCA) versus XTB (DFSA, FCA, FSCA, IFSC, KNF). Tier-1 licences: Fineco 2, XTB 1.

Which trading platforms do Fineco and XTB offer?

Fineco offers Proprietary; XTB offers Proprietary.

Which has lower fees, Fineco or XTB?

Both sit in the same fee bracket (low) in our catalogue; compare the spreads and commission rows above for detail.

Which is older, Fineco or XTB?

Fineco is the older of the two, founded in 1999; XTB was founded in 2002.

Are Fineco and XTB available in the same countries?

They overlap in 2 countries. Fineco is additionally available in 0 countries () and XTB in 46 countries (Angola, Austria, Belgium, Bermuda, Bulgaria, Canada and 40 more).

Keep comparing

Fineco

XTB

Risk warning: CFDs and forex are complex, leveraged instruments and carry a high risk of losing money rapidly. A majority of retail investor accounts lose money when trading CFDs. Nothing on this page is financial advice; verify licence status on the regulator's register before depositing. Full risk disclosure.