AvaTrade vs XTB 2026
Two licensed kitchens. Which table you take comes down to how you trade.
Pull up a chair at AvaTrade if you value copy trading. XTB plates up better for anyone who leans on tighter spreads, lower minimum deposit (None vs $100), real stock ownership, more instruments (5,800 vs 1,260).
The two menus, side by side
| AvaTrade | XTB | |
|---|---|---|
| Primary regulator | CBI C53877 | FCA 522157 |
| Regulation tier | tier-1 | tier-1 |
| Min deposit | $100 | None |
| EUR/USD spread | 0.9 pips | 0.1 pips |
| Instruments | 1,260+ | 5,800+ |
| MetaTrader | Yes (MT4+MT5) | Yes (MT4+MT5) |
| Copy trading | Yes | No |
| Real stocks | No, CFDs only | Yes |
| Inactivity fee | $50/mo after 3mo | $10/mo after 12mo |
| Founded | 2006 | 2002 |
| Headquarters | Dublin, Ireland | Warsaw, Poland |
The kitchen inspection: AvaTrade vs XTB
AvaTrade is regulated by CBI under licence C53877 (AvaTrade EU Ltd). The CBI 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.
Ingredient costs and the bill
AvaTrade's EUR/USD spread is 0.9 pips. XTB's EUR/USD spread is 0.1 pips. XTB offers tighter spreads on this pair.
AvaTrade charges an inactivity fee of $50/month after 3 months without trading. XTB charges an inactivity fee of $10/month after 12 months.
Platforms and tools
Both AvaTrade and XTB support MetaTrader 4 and 5, so algorithmic traders and EA users can use either.
AvaTrade offers copy trading, XTB does not.
The cover charge
AvaTrade 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?
AvaTrade is generally better for beginners because it offers copy trading, allowing new traders to replicate experienced traders automatically while learning. 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?
Both AvaTrade and XTB support MetaTrader, so experienced traders can use either without restriction. 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.
The verdict: AvaTrade vs XTB
Book a table at AvaTrade if what you are after is copy trading. Its CBI licence (C53877) brings the full weight of a tier-1 seal.
Go with XTB if you want tighter spreads, lower minimum deposit (None vs $100), real stock ownership, more instruments (5,800 vs 1,260). Its FCA licence (522157) means solid tier-1 protection.
Neither kitchen is a bad one; both hold real licences. In the end it is your own trading appetite that picks the table.
Frequently asked questions
AvaTrade vs XTB: which is better?
AvaTrade is better for copy trading. XTB is better for tighter spreads, lower minimum deposit (None vs $100), real stock ownership, more instruments (5,800 vs 1,260). If regulation quality is your priority, both have comparable regulation.
Is AvaTrade or XTB safer?
Both AvaTrade (CBI C53877) and XTB (FCA 522157) are regulated by tier-1 authorities. Both segregate client funds.
What is the minimum deposit for AvaTrade and XTB?
AvaTrade minimum deposit: $100. XTB minimum deposit: None. Minimums vary by entity and account type.
Do AvaTrade and XTB have MetaTrader?
Yes, both support MetaTrader 4 and MT5.