Broker comparison · updated 2026-07-29
XTB vs FP Markets
XTB favors a streamlined proprietary platform and a no-minimum-deposit entry point, while FP Markets offers more third-party platform and funding choice.
Our verdict
It depends on what you trade.
In this XTB vs FP Markets comparison, XTB is the more straightforward choice for traders who want one proprietary platform, a published no-minimum-deposit policy in applicable jurisdictions, and access to real stocks and ETFs alongside CFDs. FP Markets is better suited to users who specifically require MetaTrader 4, MetaTrader 5, cTrader, or TradingView, and who accept a $100 starting balance for its Standard and Raw accounts. Neither brand has one global rulebook: the legal entity assigned at onboarding determines protections, products, leverage, payment rails, and sometimes fees. Verify that entity before funding an account.
XTB vs FP Markets at a glance
 XTB |
 FP Markets |
|
|---|---|---|
| Our comparison score | 75.5 / 100 | 67 / 100 |
| Founded | 2002 | 2005 |
| Minimum deposit | No minimum published (Intl. page) | US$100 or equivalent |
| EUR/USD published spread | Minimum 0.8 pips | Raw from 0.0; Standard from 1.0 |
| Platforms | xStation; xStation mobile | MT4, MT5, cTrader, TradingView |
| Inactivity fee | €10/month after stated conditions | US$10/month after 90 days (STL) |
| UK/Cyprus authorization | FCA 522157; CySEC 169/12 | CySEC 371/18 |
| Australian authorization | Not published in reviewed sources | ASIC AFSL 286354 |
marks the stronger side on that row. Key numbers were re-checked on 2026-07-29. Terms differ by legal entity and country — confirm on the broker's own legal pages before funding.
Score breakdown
How XTB and FP Markets earn their comparison scores, component by component — same methodology as every review on this site.
XTB vs FP Markets fees: simpler entry at XTB, raw pricing at FP Markets
Choose XTB if avoiding an initial funding threshold matters more than selecting between spread-only and commission pricing. Its international account page states that no minimum deposit applies, and its Standard account puts most CFD dealing costs into the spread. XTB lists a minimum EUR/USD spread of 0.8 pips on its product page, rather than a typical-spread figure. FP Markets suits traders who want a choice: its Standard account advertises spreads from 1.0 pip with no commission, while the Raw account advertises spreads from 0.0 pips plus a $3-per-side commission per lot. FP Markets does not publish a single typical EUR/USD spread on the reviewed account page. XTB charges a €10 monthly inactivity fee after 365 days without trading and 90 days without a deposit; FP Markets’ Saint Lucia agreement specifies $10 monthly after 90 days of account dormancy. Entity terms can differ.
Platform comparison: xStation focus at XTB or broader software access at FP Markets
Pick XTB where a single in-house workflow is preferable. Its offering centers on xStation and the xStation mobile app, reducing the need to reconcile tools, watchlists, or order settings across separate terminal families. XTB also combines CFD trading with access to real stocks and ETFs in eligible regions; its public material cites more than 7,000 stocks and ETFs. That integration is useful for investors who do not need MetaTrader compatibility. Choose FP Markets if platform portability, automated-trading support, or a familiar third-party terminal is the deciding factor. Its current account page lists MT4, MT5, and cTrader for Standard accounts, while Raw accounts additionally list TradingView. Availability is account- and entity-specific, and not every product is necessarily offered on every terminal. For most active forex traders needing platform choice, FP Markets has the more flexible lineup.
XTB vs FP Markets regulation: compare the onboarding entity, not the brand name
Choose XTB if FCA and Polish KNF oversight are especially relevant to your residency and account assignment. XTB identifies its UK company as FCA-authorized under reference 522157, its Cyprus company as CySEC-authorized under license 169/12, and its Polish business as KNF-regulated. It also operates an international Belize entity regulated by the FSC. FP Markets is the better match for an eligible client who expects to be onboarded by its Australian, Cyprus, or South African operations: its legal disclosure names First Prudential Markets Pty Ltd with ASIC license 286354, First Prudential Markets Ltd with CySEC license 371/18, and FP Markets (Pty) Ltd with FSCA FSP number 50926. Both groups also use entities outside those jurisdictions. Regulatory status, compensation arrangements, leverage limits, and complaint routes therefore depend on the precise contracting company.
Funding comparison: XTB keeps the menu narrower; FP Markets adds e-wallets
XTB is the practical choice for clients who are content to fund by bank transfer or card and want fewer payment-method decisions. Its international funding page lists cards, bank transfers, and online payments, while noting that third-party payment-provider charges can still apply. The same page says deposits are free from XTB’s side and lists free withdrawals above $50 for that international entity. FP Markets has the broader published menu in the reviewed regional materials. Its Seychelles funding page lists bank wires, credit cards, Skrill, Neteller, cryptocurrencies, and broker-to-broker transfers; its Australian FAQ additionally names PayPal, BPay, and PayID. That breadth is useful only where the assigned entity actually supports the method. Card deposits and withdrawals commonly must use an account in the client’s own name, and withdrawal routing can follow the original funding method. Check the Client Portal before sending funds.
Research tools and market access: XTB integrates content; FP Markets supports terminal-led workflows
XTB is the stronger fit for a trader who wants analysis, platform education, market commentary, and trade ideas inside the same xStation-led environment. Its public site also emphasizes broad access to stocks and ETFs, which can make the platform feel more cohesive for a mixed investing-and-CFD workflow. FP Markets is more compelling for users whose research process already lives in MT4, MT5, cTrader, or TradingView. The benefit is less about a single house interface and more about choosing a terminal with established charting, automation, and third-party tool ecosystems. Neither approach removes the need to assess execution quality, overnight financing, or the exact instrument specification. Instrument totals should be treated cautiously because they vary by entity, account, platform, and country. FP Markets promotes more than 10,000 financial instruments on one regional funding page, while XTB cites more than 7,000 stocks and ETFs on its investing material.
Which broker fits you
- You prefer xStation and its mobile app over third-party terminals.
- A published no-minimum-deposit policy is important to you.
- You want eligible access to real stocks and ETFs alongside CFDs.
- Your onboarding entity is FCA-, CySEC-, or KNF-supervised and fits your residency.
- You need MT4, MT5, cTrader, or TradingView.
- You want to choose between Standard and Raw forex account pricing.
- You value e-wallet options such as Skrill and Neteller where available.
- Your account will be opened with an ASIC-, CySEC-, or FSCA-linked FP Markets entity.
Common questions
Is XTB or FP Markets cheaper for EUR/USD trading?
It depends on the account type and trading pattern. XTB publishes a minimum EUR/USD spread of 0.8 pips for the reviewed product page and generally uses spread-based Standard pricing. FP Markets advertises Raw spreads from 0.0 pips plus a $3-per-side commission per lot, while its Standard account starts from 1.0 pip. Neither reviewed page provided one typical EUR/USD figure.
Does XTB or FP Markets require a larger minimum deposit?
FP Markets publishes a US$100 or equivalent minimum deposit for its Standard and Raw MT4/MT5/cTrader accounts. XTB’s international account-and-fees page states that there is no minimum deposit. This can vary by country, legal entity, account type, payment method, and base currency, so the onboarding screen and client agreement take priority.
Which is safer, XTB or FP Markets?
Neither name alone answers that question because both operate through multiple legal entities. XTB identifies FCA, CySEC, KNF, and Belize FSC-linked operations; FP Markets identifies ASIC, CySEC, FSCA, and other entities. Check the contracting company, regulator register entry, local investor-protection rules, leverage, and complaints process before depositing.
Can US residents open an account with XTB or FP Markets?
Do not assume so. FP Markets’ legal disclosure says its services are not offered to US residents. Availability at XTB also depends on country and assigned entity. US residents should confirm eligibility directly with the broker and should not interpret a global website as an offer of service in the United States.