City Index

4.1(800)

FCA

XTB

4.4(2100)

KNF/FCA/CySEC

City Index vs XTB

Head-to-Head Comparison 2026

Our Verdict

XTB has a higher rating of 4.4/5 compared to City Index (4.1/5). XTB offers 7 instrument types, while City Index offers 6. The minimum deposit is lower at XTB with 0 €. City Index has been in the market since 1983, making it the more experienced provider.

Comparison Table

Criteria	City Index	XTB
Rating	4.1/5 (800 reviews)	4.4/5 (2100 reviews)✓
Regulation	FCA	KNF/FCA/CySEC
Fees	Spreads from 0.5 pip on forex, no commission on standard account	0% commission on stock CFDs (up to €100,000/month), spreads from 0.1 pip
Min. Deposit	150 €	0 €
Instruments	CFDs, Forex, Indices, Commodities, Stocks CFDs, Crypto	Stocks, ETFs, CFDs, Forex, Commodities, Indices, Crypto
Platforms	City Index Web Trader, MT4, City Index App	xStation 5, xStation Mobile
Options Trading	No, CFDs and spread betting	No, but over 6,000 stocks and ETFs commission-free
Founded	1983	2002
Headquarters	London	Warsaw

Detailed Comparison

Fee Comparison

City Index: Spreads from 0.5 pip on forex, no commission on standard account. Minimum deposit: 150 €.

XTB: 0% commission on stock CFDs (up to €100,000/month), spreads from 0.1 pip. Minimum deposit: 0 €.

Product Range

City Index (6 categories)

CFDsForexIndicesCommoditiesStocks CFDsCrypto

XTB (7 categories)

StocksETFsCFDsForexCommoditiesIndicesCrypto

Trading Platforms

City Index

City Index Web Trader
MT4
City Index App

XTB

xStation 5
xStation Mobile

Regulation & Security

City Index is regulated by FCA (HQ: London).

XTB is regulated by KNF/FCA/CySEC (HQ: Warsaw).

Who Is It For?

City Index

Established CFD broker with over 40 years of market presence

✓ Long-standing experience since 1983

✓ Tight spreads from 0.5 pip

✓ FCA-regulated

✗ No BaFin regulation

✗ Minimum deposit €150

XTB

Publicly traded CFD broker with award-winning xStation platform

✓ Award-winning xStation platform

✓ 0% commission on stocks up to €100,000

✓ Publicly traded company

✗ Inactivity fee after 12 months

✗ No MetaTrader 4/5

Frequently Asked Questions

Is City Index or XTB cheaper?

City Index charges Spreads from 0.5 pip on forex, no commission on standard account. XTB charges 0% commission on stock CFDs (up to €100,000/month), spreads from 0.1 pip. The minimum deposit is 150 € at City Index and 0 € at XTB.

Which broker offers more products: City Index or XTB?

City Index offers CFDs, Forex, Indices, Commodities, Stocks CFDs, Crypto. XTB offers Stocks, ETFs, CFDs, Forex, Commodities, Indices, Crypto.

Which broker is better regulated?

City Index is regulated by FCA. XTB is regulated by KNF/FCA/CySEC.

Is City Index or XTB better for beginners?

City Index has a minimum deposit of 150 € and offers City Index Web Trader, MT4, City Index App as platforms. XTB has a minimum deposit of 0 € and offers xStation 5, xStation Mobile. XTB has the lower entry barrier.

City Index vs XTB: Which broker is better overall?

The choice between City Index (4.1/5, 800 reviews) and XTB (4.4/5, 2100 reviews) depends on your needs. City Index: Established CFD broker with over 40 years of market presence. XTB: Publicly traded CFD broker with award-winning xStation platform.

City Index

Established CFD broker with over 40 years of market presence

Open Account →

From 150 € min. deposit

XTB

Publicly traded CFD broker with award-winning xStation platform

Open Account →

From 0 € min. deposit

City Index read review →XTB read review →