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City Index vs XTB

City Index or XTB – which is better for UK traders 2025? Compare City Index and XTB in this detailed breakdown of their platforms, features and fees.

City Index vs XTB Comparison Table 2025
City Index	XTB

4.4	4.8
City Index is ranked #17 among CFD brokers.	XTB is ranked #2 among CFD brokers.
Review	Review
Founded in 1983, City Index is a prestigious broker, now under the Nasdaq-listed StoneX Group. It excels in forex, CFDs, and spread betting. With access to over 13,500 instruments, City Index provides a dynamic Web Trader platform, exceptional educational materials, and round-the-clock support five days a week, ensuring a thorough trading experience.	Established in Poland in 2002, XTB caters to over a million clients worldwide. This forex and CFD broker offers a robust regulatory framework, a diverse range of assets, and prioritises trader satisfaction. It provides an intuitive proprietary platform equipped with excellent tools to support aspiring traders.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 71% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.	CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money
Pros
City Index is under the regulation of leading authorities, such as the FCA in the UK, ASIC in Australia, and MAS in Singapore. Its parent company, StoneX Group Inc., is publicly listed, which enhances its credibility. City Index has significantly improved the trading experience. In 2024, they introduced Performance Analytics, providing insights into trades and discipline. The revamped mobile app now includes integrated market research and swipe-access news. City Index offers access to over 13,500 markets, including forex, indices, shares, commodities, bonds, ETFs, and interest rates. The platform's inclusion of niche markets such as interest rates provides traders with unique opportunities not commonly available on other platforms. City Index offers adaptable trading platforms suited to every expertise level. For newcomers, the Web Trader platform is straightforward and user-friendly. For more in-depth analysis and automated features, MetaTrader 4 (MT4) and TradingView are supported, providing a comprehensive trading experience for all traders.	XTB offers a diverse range of over 7,000 instruments, including CFDs on shares, indices, ETFs, commodities, forex, and cryptocurrencies. The platform also provides real shares, real ETFs, share dealing, and the latest addition, Investment Plans, serving both traders seeking short-term gains and investors focused on long-term growth. The xStation platform stands out with its user-friendly design and intuitive tools, such as adaptable news feeds, sentiment heatmaps, and a trader calculator. These features streamline the learning process for new traders. XTB offers a superb array of educational resources, such as training videos and articles, embedded within the platform to assist traders of all experience levels. XTB has raised its interest rate on uninvested funds and introduced zero-fee ISAs for UK clients, offering access to 3,000 stocks and 700 ETFs for diverse investment opportunities. Setting up an XTB account is straightforward and fully online, requiring only a few minutes. This simplicity eases new traders into the world of trading. Top-notch customer support, available 24/5, includes a welcoming live chat with response times under two minutes during tests. XTB ensures swift access to funds, providing fast withdrawals with same-day payments for requests made before 1 pm.
Cons
Although many brokers, such as eToro, have broadened their crypto offerings, City Index restricts its clients to crypto CFDs. This limited selection may not meet the needs of traders seeking a wider variety of altcoins. Unlike brokers like AvaTrade and BlackBull, City Index lacks options for passive trading, such as social copy trading or real ownership of stocks and ETFs. This limitation may reduce its appeal to traders seeking a more hands-off approach. City Index does not offer an Islamic account with swap-free conditions, making it less attractive to Muslim traders than brokers such as Eightcap and Pepperstone.	XTB lacks a raw spread account, a feature increasingly offered by competitors such as Pepperstone. This omission might not satisfy traders seeking the most competitive spreads. The demo account lasts only four weeks, posing a challenge for traders wanting to fully explore the xStation platform and refine short-term strategies before investing actual money. XTB has stopped supporting MT4, restricting traders to its own platform, xStation. This decision may discourage experienced traders accustomed to using the MetaTrader suite. Trading fees are competitive, with average EUR/USD spreads of about 1 pip. However, they are not as low as the most affordable brokers, such as IC Markets. Additionally, an inactivity fee applies after a year. The research tools at XTB are commendable but have the potential to excel further. Enhancing them with access to top-tier third-party services like Autochartist, Trading Central, and TipRanks would significantly elevate their offering. It is frustrating that XTB products do not allow traders to modify the default leverage level. Manually adjusting leverage can greatly reduce risk in forex and CFD trading.
Awards
Best CFD Provider 2024 - ADVFN International Financial Awards Best Trading Platform 2022 - Online Money Awards	Best Forex Broker for Beginners 2022 Best Customer Service 2021 Best Forex Broker for Low Costs 2021 Best Mobile App for Investing 2020 #1 EMEA Bloomberg spot for FX accuracy in Q2 of 2020 and Q3 of 2018 Best Polish Forex Broker 2019 Best Execution Broker 2019
FCA Regulated
Yes	Yes
Instruments
CFDs, Forex, Stocks, Indices, Commodities, Crypto, Futures, Options, Bonds, Interest Rates,ETFs,Spread Betting	CFDs on shares, Indices, ETFs, Raw Materials, Forex currencies, cryptocurrencies, Real shares, Real ETFs
Demo Account
Yes	Yes
Minimum Deposit
$0	$0
Payment Methods
Credit Cards Debit Card Maestro Mastercard Visa Wire Transfer	Credit Cards Debit Card Maestro Mastercard Neteller PayPal Paysafecard Skrill Visa Wire Transfer
Minimum Trade
0.01 Lots	0.01 Lots
Regulator
FCA, ASIC, CySEC, MAS	FCA, CySEC, KNF, DFSA, FSC, SCA, Bappebti
Mobile Apps
iOS & Android	iOS & Android
Trading App
The City Index app delivers an accessible mobile trading experience with customised features such as one-swipe trading. Impressively, it includes full-screen TradingView charts with over 60 technical indicators for strategy planning, complemented by real-time price alerts. In 2024, Performance Analytics tools were launched, offering insights into trading metrics to enhance your strategies.	Each year, XTB's app impresses with its sleek design and clear interface. It's fast, responsive, and full of practical features like integrated sentiment data, market news, economic calendars, and educational content. The intuitive order panel below the chart simplifies trade execution, including take profit and stop loss settings.
iOS App Rating
3.8	4.7
Android App Rating
3.1	4.1
Margin Trading
No	Yes
Margin Rate
2.5%	4.5%
MetaTrader 4
Yes	No
MetaTrader 5
No	No
cTrader
No	No
AlgoTrader
No	No
OmniTrader
No	No
TradingView
Yes	No
Autochartist
No	No
eSignal
No	No
Trading Central
Yes	No
STP Account
No	Yes
ECN Account
No	No
DMA Account
No	Yes
MAM Account
No	No
PAMM Account
No	No
LAMM Account
No	No
Demat Account
No	No
AI / Machine Learning
Yes	No
Robo Advisor
No	No
Negative Balance Protection
Yes	Yes
Market Maker
Yes	Yes
P2P Trading
No	No
Spot Trading
Yes	Yes
Auto Trading
Expert Advisors (EAs) on MetaTrader	Open API
Copy Trading
No	No
Social Trading
No	No
Trade Signals
SMART Signals	Yes
VPS Hosting
No	No
Tournaments
No	No
Demo Competitions
No	No
Ethical Investing
Yes	Yes
Custodial Account
No	No
Guaranteed Stop Loss
Yes	Yes
Inactivity Fee
£12	$0
Islamic Account
No	Yes
Account Currencies
USD EUR GBP AUD PLN CZK	USD EUR GBP PLN
Commodities
Gold Oil Silver Copper Livestock Platinum Natural Gas Soybeans Nickel Iron Orange Juice Cannabis Palladium Coffee Cotton Lean Hogs Sugar Wheat	Gold Oil Silver Copper Cotton Sugar Precious Metals Gasoline Cocoa Coffee Natural Gas Nickel Soybeans Aluminium Livestock Corn Palladium Platinum Wheat Zinc Lean Hogs Cattle
CFD
City Index offers a comprehensive range of CFDs, enabling traders to seize short-term opportunities across various assets, sectors, and regions. Its 'Trade Ideas' platform is particularly beneficial for active traders seeking data-driven insights. Additionally, the Web Trader platform features advanced charting tools with over 90 technical indicators.	XTB provides an extensive choice of over 2,100 CFDs, covering forex, indices, commodities, stocks, ETFs, and cryptocurrencies, depending on location. In the EU and UK, leverage is capped at 1:30, while global clients and professional traders can benefit from leverage up to 1:500. Renowned for its trading resources and tutorials, XTB excels in helping traders devise effective short-term strategies.
Leverage
1:30	1:30
FTSE Spread
1.0	1.8
GBPUSD Spread<
1.1	1.4
Oil Spread
1.5	0.03
Stocks Spread
Variable	0.2%
Forex
City Index is a highly respected forex broker, offering traders access to over 80 currency pairs. With tight spreads starting at 0.7 pips, it provides valuable trading alerts and excellent FX market insights. Moreover, 99.99% of trades are executed successfully.	XTB offers access to over 70 currency pairs, with competitive spreads averaging about 1 pip for major pairs. Its xStation platform is user-friendly, providing traders with top-tier charting tools, over 30 indicators, and diverse order types to support different strategies and risk management needs.
Assets
84	70+
GBPUSD Spread
1.1	1.4
EURUSD Spread
0.8	1.0
EURGBP Spread
1.0	1.4
Currency Indices
USD
Cryptocurrency
City Index provides a select range of crypto CFDs, such as Bitcoin, Ethereum, and Ripple. However, it distinguishes itself with insightful market analysis and comprehensive news on significant market movements, all supported by a user-friendly web platform.	XTB provides a robust array of over 50 cryptocurrencies, featuring competitive spreads beginning at 0.22% on Bitcoin and leverage up to 1:5. The xStation platform facilitates trading with pairs like ETH/BTC and DSH/BTC. Traders can operate round-the-clock in a secure and transparent cryptocurrency trading environment.
Spread
0.5% (BTC)	0.22%
Coins
BTC BCH ETH LTC XRP	ADA BTC BCH DSH EOS ETH IOTA LTC NEO XRP XLM TRX XEM XLM XMR DOGE BNB LINK UNI DOT XTZ
Crypto Lending
No	No
Crypto Mining
No	No
Crypto Staking
No	No
Auto Market Maker
No	No

City Index	XTB
Review	Review
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 71% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.	CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money
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