Plus500 vs XTB 2026
Both are regulated. The right choice depends on your trading style.
Plus500 suits traders who value specific use cases detailed below. XTB suits traders who prioritise tighter spreads, lower minimum deposit (None vs $100), MetaTrader support, real stock ownership, more instruments (5,800 vs 2,000).
Head to head
| Plus500 | XTB | |
|---|---|---|
| Primary regulator | FCA 509909 | FCA 522157 |
| Regulation tier | tier-1 | tier-1 |
| Min deposit | $100 | None |
| EUR/USD spread | 0.6 pips | 0.1 pips |
| Instruments | 2,000+ | 5,800+ |
| MetaTrader | No | Yes (MT4+MT5) |
| Copy trading | No | No |
| Real stocks | No — CFDs only | Yes |
| Inactivity fee | $10/mo after 3mo | $10/mo after 12mo |
| Founded | 2008 | 2002 |
| Headquarters | Haifa, Israel | Warsaw, Poland |
Regulation: Plus500 vs XTB
Plus500 is regulated by FCA under licence 509909 (Plus500UK Ltd). The FCA is a tier-1 regulator. Client funds are held in segregated accounts and negative balance protection applies.
XTB is regulated by FCA under licence 522157 (XTB Ltd). The FCA is a tier-1 regulator. Client funds are held in segregated accounts and negative balance protection applies.
Both brokers are regulated by tier-1 authorities. Neither has a significant regulatory advantage over the other.
Spreads and fees
Plus500's EUR/USD spread is 0.6 pips. XTB's EUR/USD spread is 0.1 pips. XTB offers tighter spreads on this pair.
Plus500 charges an inactivity fee of $10/month after 3 months without trading. XTB charges an inactivity fee of $10/month after 12 months.
Platforms and tools
XTB supports MetaTrader. Plus500 uses a proprietary platform only — traders who need MT4/MT5 for automated strategies should choose XTB.
Neither broker offers copy trading.
Minimum deposit
Plus500 requires a minimum deposit of $100. XTB requires None. XTB has the lower barrier to entry.
Note that minimum deposits can vary by account type and by which regulatory entity serves your country. Some offshore entities allow lower deposits than the tier-1 entity.
Which is better for beginners?
XTB also has the lower minimum deposit of None. Both platforms are accessible to new traders, though neither is specifically designed as a beginner-only broker.
Which is better for experienced traders?
XTB is better for experienced traders who need MetaTrader. XTB's tighter spreads (0.1 pips) make it better for high-frequency and scalping strategies. XTB offers more instruments (5,800) for portfolio diversification.
Verdict: Plus500 vs XTB
Choose Plus500 if you want specific use cases detailed below. The FCA licence (509909) gives it strong tier-1 regulatory backing.
Choose XTB if you want tighter spreads, lower minimum deposit (None vs $100), MetaTrader support, real stock ownership, more instruments (5,800 vs 2,000). The FCA licence (522157) means strong tier-1 regulatory protection.
Both brokers are legitimate and regulated. The choice comes down to your specific trading requirements.
Frequently asked questions
Plus500 vs XTB: which is better?
Plus500 is better for specific use cases detailed below. XTB is better for tighter spreads, lower minimum deposit (None vs $100), MetaTrader support, real stock ownership, more instruments (5,800 vs 2,000). If regulation quality is your priority, both have comparable regulation.
Is Plus500 or XTB safer?
Both Plus500 (FCA 509909) and XTB (FCA 522157) are regulated by tier-1 authorities. Both segregate client funds.
What is the minimum deposit for Plus500 and XTB?
Plus500 minimum deposit: $100. XTB minimum deposit: None. Minimums vary by entity and account type.
Do Plus500 and XTB have MetaTrader?
XTB supports MT4 and MT5. Plus500 does not offer MetaTrader.