FOREX.com vs XTB (2026): regulation, platforms and costs compared
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Data refreshed 25 Sep 2026 · Compiled by David Ispiryan
FOREX.com is a well-regarded forex broker offering broad access to forex markets through web, desktop, and mobile platforms, with research, education, and risk management tools. It operates under applicable regulatory oversight in…
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.
FOREX.com (United States, founded 2001) holds 4 regulatory licences (ASIC, CFTC, FCA, NFA), 4 of them tier-1, offers MT4, MT5, Proprietary, TradingView 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 47 countries; FOREX.com is available in 184 countries where XTB is not, and XTB in 1 where FOREX.com is not.
Verdict at a glance
FOREX.com leads on trust rank, track record, platform choice, country coverage and tier-1 licences.
XTB leads on regulatory coverage.
Level on instrument range 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.
FOREX.com vs XTB: side-by-side data
Criteria
FOREX.com
XTB
Editorial rating
10 / 10
Not verified
Trust rank
#1
#7
Founded
2001
2002
Headquarters
United States
Poland
Regulators
ASIC, CFTC, FCA, NFA
DFSA, FCA, FSCA, IFSC, KNF
Broker type
DMA, Market Maker, STP
Market Maker
Platforms
MT4, MT5, Proprietary, TradingView
Proprietary
Instruments
Commodities, Forex, Indices, Metals
Commodities, Cryptocurrencies, Forex, Indices
Countries accepted
231 countries
48 countries
Fee level
Low
Low
Trading types
CFD Trading, Spot Trading
CFD Trading
Best-for use cases
Professional Trading, Retail Trading
Professional 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
FOREX.com
Multi-jurisdiction regulation (US/UK/CA)
Accepts US clients
Proprietary platform + MT4/MT5 support
Competitive spreads with raw/commission pricing options
Extensive FX pair offering
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
FOREX.com
No CFDs for U.S. clients
FIFO and no-hedging rules on U.S. accounts
No negative balance protection in the U.S.
Inactivity fee after 12 months of no trading
High minimum balance for STP Pro/DMA accounts
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
FOREX.com
Spot forex and multi asset CFD trading
Top tier regulation and segregated client funds
MetaTrader 4 MetaTrader 5 and Advanced Trading platform
TradingView integration and advanced charting tools
API trading via REST and FIX plus VPS support
Raw pricing with commission and standard spread only accounts
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: FOREX.com vs XTB
Available at both (47): Angola, Austria, Bermuda, Bulgaria, Canada, Chile, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, Indonesia, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Mauritania, Moldova, Montenegro, Netherlands, North Macedonia, Philippines, Poland, Portugal, Romania, Saint Kitts and Nevis, Serbia, Slovakia, Slovenia, South Africa, Spain and 7 more.
Only FOREX.com (184): Afghanistan, Albania, Algeria, American Samoa, Andorra, Anguilla, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belize, Benin, Bhutan, Bolivia, Bonaire, Bosnia and Herzegovina, Botswana, Brazil, Brunei and 159 more.
Both sit in the same fee bracket (low) in our catalogue; compare the spreads and commission rows above for detail.
Which is older, FOREX.com or XTB?
FOREX.com is the older of the two, founded in 2001; XTB was founded in 2002.
Are FOREX.com and XTB available in the same countries?
They overlap in 47 countries. FOREX.com is additionally available in 184 countries (Afghanistan, Albania, Algeria, American Samoa, Andorra, Anguilla and 178 more) and XTB in 1 countries (Belgium).
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.