OANDA vs XTB
Can't decide between OANDA and XTB? We've put both brokers head-to-head. Compare their spreads, regulation, platforms, and fees below.
Last updated: May 10, 2026
Executive Summary
OANDA and XTB are both well-established forex brokers, but they serve different types of traders. OANDA scores 96/100 in our TrustMetrics™ system, edging ahead of XTB's 95/100.
On pricing, XTB offers tighter EUR/USD spreads (0.9 pips vs 1.2 pips). OANDA supports OANDA Trade, MT4, TradingView while XTB offers xStation 5, xStation Mobile, giving OANDA an edge in platform diversity.
For regulation, OANDA holds licenses from CFTC, FCA, ASIC, CIRO while XTB is regulated by FCA, KNF, CySEC, FSC. Both brokers offer segregated client funds and are considered safe for retail trading.
The Verdicts
Most Trusted
OANDA scores higher in our TrustMetrics system (96/100) compared to XTB (95/100), making it the safer choice.
Lowest Spreads
XTB offers better pricing with an average EUR/USD spread of 0.9 pips, beating the 1.2 pip average of its competitor.
Best for Beginners
Both brokers require a $0 minimum deposit, making them equally accessible.
Detailed Comparison
| Feature | OANDA | XTB |
|---|---|---|
| Trust Score | 96/100 | 95/100 |
| Spreads From | 1.0 pips | 0.5 pips |
| Avg EUR/USD Spread | 1.2 pips | 0.9 pips |
| Commission | $0 | $0 |
| Execution Speed | 30ms | 40ms |
| Max Leverage | 1:50 | 1:500 |
| Minimum Deposit | $0 | $0 |
| Instruments | 120+ | 5,800+ |
| Account Types | Standard, Advanced Trader, Premium | Standard |
| Platforms | OANDA Trade, MT4, TradingView | xStation 5, xStation Mobile |
| Top Regulators | CFTC, FCA, ASIC, CIRO | FCA, KNF, CySEC, FSC |
| Withdrawal Speed | 1-3 business days | 1 business day |
| Inactivity Fee | $10 per month (after 12 months) | €10 per month (after 12 months) |
| Customer Support | 24/5 Live Chat, Email | 24/5 Live Chat, Email, Phone, Dedicated Account Manager |
Which Broker Should You Choose?
OChoose OANDA if...
- ✓You want to start with a very low minimum deposit
- ✓You want to trade directly from TradingView charts
- ✓Maximum regulatory protection is your top priority
XChoose XTB if...
- ✓You want to start with a very low minimum deposit
- ✓You need access to a massive range of instruments
- ✓You are a beginner and value education and simplicity
- ✓Maximum regulatory protection is your top priority
OANDA Pros & Cons
Pros
- ✓ Accepts US clients and is heavily regulated globally
- ✓ No minimum deposit requirement
- ✓ Native TradingView integration
- ✓ Advanced charting and elite market analysis
Cons
- × Smaller product catalog compared to IG or CMC Markets
- × Spreads on the standard account are relatively high
- × No MT5 platform
XTB Pros & Cons
Pros
- ✓ xStation 5 is arguably the best proprietary web platform in the industry
- ✓ 0% commission on real stocks and ETFs (up to €100k/month)
- ✓ Publicly traded company with complete financial transparency
- ✓ Every client gets a dedicated account manager
Cons
- × No MetaTrader 4 or 5 available (xStation only)
- × Forex spreads are slightly wider than raw ECN competitors
- × Crypto trading carries relatively high spreads
The Bottom Line: OANDA vs XTB
- ✓ US Traders
- ✓ API Trading
- ✓ No Minimum Deposit
- ✓ TradingView
- ✓ No minimum deposit
- ✓ xStation Platform
- ✓ Stock Investing
- ✓ European Traders
- ✓ Beginners
- ✓ Tighter EUR/USD spreads (0.9 pips)
- ✓ No minimum deposit
Both brokers are featured in our top broker rankings. Your choice should depend on your specific trading style, preferred platform, and geographical location.
Frequently Asked Questions
Which is safer: OANDA or XTB?
OANDA scores higher in our TrustMetrics system (96/100) compared to XTB (95/100), making it the safer choice.
Who has lower spreads: OANDA or XTB?
XTB offers better pricing with an average EUR/USD spread of 0.9 pips, beating the 1.2 pip average of its competitor.
Which has a lower minimum deposit: OANDA or XTB?
Both brokers require a $0 minimum deposit, making them equally accessible.
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