City Index
FCA
XTB
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. On spreads, City Index offers EUR/USD from 0.5 pip (typical), while XTB offers EUR/USD from 0.5 pip (Standard).
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 |
| Spread (typical) | EUR/USD from 0.5 pip (typical) | EUR/USD from 0.5 pip (Standard) |
| Execution Speed | — | ~85 ms (Median) |
| Inactivity Fee | $15/month after 12 months of inactivity | €10/month after 12 months of inactivity |
| 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 €. Spread: EUR/USD from 0.5 pip (typical). Inactivity fee: $15/month after 12 months of inactivity.
XTB: 0% commission on stock CFDs (up to €100,000/month), spreads from 0.1 pip. Minimum deposit: 0 €. Spread: EUR/USD from 0.5 pip (Standard). Inactivity fee: €10/month after 12 months of inactivity.
Execution Quality
City Index
No data available
XTB
Execution: ~85 ms (Median)
Product Range
City Index (6 categories)
XTB (7 categories)
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?
Which broker offers more products: City Index or XTB?
Which broker is better regulated?
Is City Index or XTB better for beginners?
City Index vs XTB: Which broker is better overall?
How do spreads compare between City Index and XTB?
Do City Index or XTB charge an inactivity fee?
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