XTB vs Plus500
XTB offers more research tools and pricing transparency, while Plus500 provides a simpler, beginner-friendly CFD platform with minimal setup friction.
Our Verdict
XTB is best for traders who value research, in-platform tools, and visibility into market analytics. Plus500 is best for traders who want simple, intuitive execution with minimal setup friction. Your choice should reflect how much tool complexity and research support you value versus simplicity of execution.
Quick Verdict
Choose XTB if…
- You want more tools, research resources, and pricing transparency
- You are an intermediate or research-focused trader
- You value integrated charting, risk management, and market research
Choose Plus500 if…
- You want a simple, beginner-friendly CFD platform
- You prefer intuitive interfaces with minimal setup friction
- You want quick execution with a clean, simple layout
At a Glance
Detailed Comparison
Regulation & Safety
XTB
- UK-regulated by the FCA
- Segregated client funds
- Negative balance protection and FSCS protection on eligible cash
Plus500
- Plus500UK Ltd authorised and regulated by the FCA
- Segregated client funds
- Negative balance protection and FSCS protection on eligible cash
Verdict: Regulatory protection is comparable between both brokers for UK users.
Pricing & Trading Costs
XTB
- Spread-based pricing with transparent spreads
- Financing (swap) on leveraged positions
- No raw-spread + commission tier (spread-only model)
- No inactivity fees in many regions (check UK terms)
Plus500
- Spread-based pricing (commission-free on CFDs)
- Currency conversion fee if trade currency differs
- Financing (swap) on leveraged CFDs
- No deposit fees
Verdict: Overall cost profiles are competitive and similar for typical CFD trading. XTB may edge Plus500 slightly on spread transparency and research-linked pricing.
Platforms & Tools
XTB
- Proprietary xStation platform (web, desktop, mobile)
- Integrated charting, risk management, and market research
- Economic calendar and trading ideas
- Some access to MetaTrader 4 (region dependent)
- Strengths: more tools, analytics, and insights built in
Plus500
- Web and mobile proprietary platform
- Simple layout focused on quick execution
- Watchlists, alerts, basic charting
- Strengths: very user-friendly and minimal setup friction
- Limitations: limited advanced charting and market research
Asset Coverage
- Both offer CFDs on forex, indices, commodities, and share CFDs
- Crypto CFDs available where permitted
- Neither offers direct share ownership or ISA/SIPP accounts
- Both focus on CFD products for UK retail clients
Fees Beyond Spreads
- Overnight financing on leveraged positions
- Possible currency conversion fees
- Possible inactivity fees (Plus500 has standard dormancy charging; XTB may vary)
- Both have transparent fee structures but require monitoring of financing and spread behaviour during market events
Risks & Considerations
- CFDs are leveraged products — can magnify losses
- Spread widening can occur during low liquidity or macro events
- Overnight financing costs can accumulate on swing positions
- CFD contracts do not confer ownership of underlying assets
Verdict: Plus500 operates as principal counterparty to client trades as part of its CFD model; XTB operates standard execution systems with direct market connectivity.
Trading Style Suitability
| Trader Type | Better Choice |
|---|---|
| Beginner | Plus500 |
| Casual trader | Plus500 |
| Intermediate trader | XTB |
| Research-focused trader | XTB |
| Technical analyst | XTB |
| Quick execution | Plus500 |
Strengths & Weaknesses
XTB
Strengths
- FCA regulation with client fund segregation and potential FSCS protection
- Competitive spreads and transparent pricing
- Strong educational resources and market research
- Intuitive proprietary platform (xStation) on web, desktop and mobile
Weaknesses
- Asset range narrower than some global brokers like Interactive Brokers
- No raw-spread + commission tier for high-volume traders
Plus500
Strengths
- FCA-regulated and publicly listed on the London Stock Exchange
- Simple, clean trading platform across web and mobile
- Commission-free CFD pricing with no deposit fees
- Broad CFD markets — forex, indices, commodities, shares
Weaknesses
- Only CFD products — no direct asset ownership for UK traders
- Mixed customer feedback on service responsiveness and withdrawals
- Limited advanced trading features — no MetaTrader support
Frequently Asked Questions
Which broker is cheaper: XTB or Plus500?
For most CFD products, spreads are comparable. Traders should check live spreads for their preferred instruments; pricing can vary by session and instrument.
Is XTB harder to use than Plus500?
XTB has more tools and features, which benefit active traders but may feel more complex to absolute beginners. Plus500 is simpler and more intuitive.
Do both brokers offer MT4?
XTB offers MetaTrader access only in some regions; Plus500 uses only proprietary platforms.
Are both brokers FCA regulated?
Yes — both are authorised by the FCA for UK retail clients.
Can I buy real shares with either broker?
No — UK clients trade CFDs only.
Methodology & Disclosure
This comparison is based on FCA regulatory status, public fee and spread schedules, platform capabilities, product coverage, and representative user feedback. This is not financial advice. Affiliate relationships do not influence analysis.
Affiliate Disclosure: We may receive compensation when you click on links to brokers and products featured on this site. This compensation does not influence our rankings, reviews, or recommendations. We maintain editorial independence and provide objective comparisons. Read our full disclosure policy.
Risk Warning: This website does not provide financial, investment, or trading advice. All information is for educational purposes only. Trading and investing involve substantial risk of loss. You should carefully consider your financial situation and consult with qualified professionals before making any financial decisions.
Last updated: 2026-01-15