Plus500 vs XTB
Since 29 Jun 2010, Plus500UK Ltd has been authorised by the FCA, FRN 509909, and holds client money. Since 17 Jan 2011, XTB Limited has been authorised by the FCA, FRN 522157; it holds client money.
Plus500 and XTB side by side
Each figure comes from the broker, along with the date we read it. Their order follows what people search for and doesn't show a preference.
| Fact | Plus500 | XTB |
|---|---|---|
| UK firm | Plus500UK Ltd | XTB Limited |
| FRN | 509909 | 522157 |
| Regulatory status | Authorised | Authorised |
| Authorised since | 29 Jun 2010 | 17 Jan 2011 |
| Clone firms on the register | 12 | 9 |
| Retail CFD accounts that lose money | 76%, read 2 Nov 2026 | 74%, read 2 Nov 2026 |
| Smallest deposit | Not stated | No minimum |
| Inactivity fee | If you don't log in for at least three months, a fee of up to USD 10 a month applies. | Every active client pays nothing for account maintenance, whatever their balance. |
| Withdrawal fee | Free, as We Don’t Charge Deposit and Withdrawal Fees. Any withdrawals below the stated minimum may be charged. | free |
| Withdrawal time | Processing normally takes 1-3 working days; e-wallets take 3-7, while bank transfers take 5-7. | processing completes within up to 3 working days; allocation of bank wires and card payments takes up to 3 working days |
| CFDs | Yes | Yes |
| Share dealing | Not stated | Yes |
| Retail leverage | 1:30 on Forex CFDs; 1:5 on share CFDs | For retail clients, the maximum is 1:30 on major forex pairs. |
| Platforms | Plus500 trading platform (web and app) | XTB platform (xStation) |
| Demo account | Yes | Yes |
| Negative balance protection | Yes | Yes |
| iPhone app rating, UK App Store | 4.25 of 5 (7,849 ratings) | 4.66 of 5 (1,977 ratings) |
Both have the same FCA status and offer CFDs, a demo account and negative balance protection.
Source pages: plus500.com/en-GB, read 2 Nov 2026; xtb.com/en, checked 2 Nov 2026; xtb.com/en/forex, checked 2 Nov 2026; xtb.com/en/account-and-fees, checked 2 Nov 2026; plus500.com/en-gb/aboutus, checked 2 Nov 2026; xtb.com/en/platform, checked 2 Nov 2026.
How the two loss rates stand against the wider field
The full risk warning from each broker
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. When trading CFDs with this provider, 76% of retail investor accounts lose money. Think about whether you understand how CFDs work, and about whether you can afford to take on the high risk of losing money.
This is Plus500's own wording, taken from plus500.com, read 2 Nov 2026.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. When trading CFDs with this provider, 74% of retail investor accounts lose money. Think about whether you understand how CFDs work, and about whether you can afford to take on the high risk of losing money.
This is XTB's own wording, taken from xtb.com, read 2 Nov 2026.