PU Prime vs XTB

PU Prime or XTB – which is better for UK traders 2024? Compare PU Prime and XTB in this detailed breakdown of their platforms, features and fees.

PU Prime vs XTB Comparison Table 2024
PU Prime XTB
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4.2
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4.8
PU Prime is ranked #59 among CFD brokers. XTB is ranked #2 among CFD brokers.
Review
Review
Pacific Union Prime is an FSCA and offshore-regulated multi-asset broker offering competitive fees and direct market access on forex, commodities, stocks, bonds and indices. The broker supports the popular MetaTrader 4 and MetaTrader 5 platforms and a proprietary mobile app. Fees vary by account type with no commission and spreads from 1.9 pips on the Standard account and $7 commission per lot and spreads from 0.4 pips on the Prime account. Founded in 2002 in Poland, XTB now serves more than 935,000 clients. The forex and CFD broker combines a heavily regulated trading environment with an extensive selection of 5,600+ assets and a commitment to trader satisfaction, featuring an intuitive in-house platform with superb tools to support aspiring traders.
77% of retail accounts lose money.
Pros
  • Industry-recognized MT4 and MT5 platforms and mobile apps
  • Good range of assets with nearly 1000 instruments over six asset classes
  • Competitive fees with the Prime account spreads starting at 0.4 with a $7 commission
  • Safeguards clients with segregated funds and negative balance protection
  • PU Social app with copy trading capabilities
  • Demo account with virtual funds
  • Swap-free Islamic account
  • Multilingual customer service
  • With over 5,600 instruments across forex, stocks, indices, ETFs, commodities, and cryptocurrencies, including CFDs, share dealing and more recently Investment Plans, XTB caters to both short-term traders and longer-term investors.
  • The xStation platform continues to impress with its user-friendly interface and intuitive features, including customizable news feeds, sentiment heatmaps, and trader calculator, reducing the learning curve for newer traders.
  • With an excellent range of educational materials, including training videos and articles integrated into the platform, XTB supports traders at all levels.
  • XTB has boosted its interest rate on all uninvested balances (up to 5.2%) while competitors like eToro only offer up to 5% on balances of $50K+.
  • Opening an XTB account is a hassle-free, entirely online process that takes just a few minutes, making the entry into trading smooth for new traders.
  • First-class 24/5 customer support is available, including a friendly live chat with response times of under two minutes during testing.
  • XTB offers fast withdrawals with same-day payments if requested before 1 pm, ensuring traders have quick access to their funds.
Cons
  • No tier 1 regulatory oversight
  • Relatively high $40 minimum withdrawal and handling fee for withdrawals under $100
  • Standard account spreads are mediocre
  • XTB does not offer a raw spread account, which is becoming increasingly common among competitors like Pepperstone, and may disappoint traders looking for the tightest spreads.
  • The demo account expires after just four weeks, a serious limitation for traders who wish to thoroughly test the xStation platform and practice short-term strategies before committing real funds.
  • XTB discontinued support for MT4, limiting traders to its proprietary platform, xStation, potentially deterring advanced traders familiar with the MetaTrader suite.
  • Trading fees are competitive with average spreads of around 1 pip on the EUR/USD but still trail the cheapest brokers like IC Markets, plus there's an inactivity fee after 12 months.
  • The research tools at XTB are good but could be great if they went beyond in-house features with access to leading third-party tools such as Autochartist, Trading Central and TipRanks.
  • Not being able to adjust the default leverage level of XTB products is frustrating, as manual adjustment can significantly mitigate trade risk, especially in forex and CFD trading.
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
No

List of FCA Regulated Brokers

Yes
Instruments
Forex, Commodities, Cryptocurrencies, Stocks, Indices CFDs, Forex, Stocks, Indices, Commodities, Crypto, ETFs
Bonus
100% cashback up to $10,000
Demo Account
Yes Yes
Minimum Deposit
$50 $0
Payment Methods
Minimum Trade
0.01 Lots 0.01 Lots
Regulator
FSA (Financial Services Authority of Seychelles), FSCA (Financial Sector Conduct Authority), SVGFSA (Financial Services Authority St Vincent & The Grenadines) FCA, CySEC, KNF, CNMV, DFSA, FSC
Mobile Apps
iOS & Android iOS & Android
Trading App

Year after year XTB’s app stands out for its slick design and uncluttered interface that we love. It’s quick, responsive and packed with useful features, notably integrated sentiment data, market news, economic calendars and education. The user-friendly order panel underneath the trading chart also makes placing trades, including adding take profit and stop loss levels, really straightforward.
iOS App Rating
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4.7
Android App Rating
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4.1
Margin Trading
Yes Yes
Margin Rate
4.5%
MetaTrader 4
Yes No
MetaTrader 5
Yes No
cTrader
No No
AlgoTrader
No No
OmniTrader
No No
TradingView
No No
Autochartist
No No
eSignal
No No
Trading Central
No No
STP Account
Yes Yes
ECN Account
Yes No
DMA Account
No Yes
MAM Account
No No
PAMM Account
No No
LAMM Account
No No
Demat Account
No No
AI / Machine Learning
No No
Robo Advisor
No No
Negative Balance Protection
No Yes
Market Maker
No No
P2P Trading
No No
Spot Trading
No Yes
Auto Trading
Open API
Copy Trading
Yes No
Copy Trading Platform
PU Social enables clients to mirror the positions and strategies of expert traders. The app is available on iOS and Android devices and features a social investing network with thousands of traders.
Social Trading
Yes No
Trade Signals
None Yes
VPS Hosting
No No
Tournaments
No No
Demo Competitions
No No
Ethical Investing
No Yes
Custodial Account
No No
Guaranteed Stop Loss
No Yes
Inactivity Fee
$0
Islamic Account
Yes Yes
Account Currencies
  • USD
  • EUR
  • GBP
  • CAD
  • AUD
  • NZD
  • JPY
  • HKD
  • SGD
  • USD
  • EUR
  • GBP
  • HUF
Commodities
  • Oil
  • Gold
  • Copper
  • Silver
  • Corn
  • Cocoa
  • Coffee
  • Cotton
  • Natural Gas
  • Orange Juice
  • Soybeans
  • Sugar
  • Wheat
  • Gold
  • Oil
  • Silver
  • Copper
  • Cotton
  • Sugar
  • Precious Metals
  • Gasoline
  • Cocoa
  • Coffee
  • Natural Gas
  • Nickel
  • Soybeans
  • Aluminium
  • Livestock
  • Corn
  • Palladium
  • Platinum
  • Wheat
  • Zinc
CFD
PU Prime offers CFD trading on hundreds of shares, as well as indices, commodities, bonds and cryptocurrencies. The leverage available varies by asset, and spreads also vary greatly between instruments and account types with the tightest near zero and the widest in the hundreds of pips. Stock, index, commodity and bond CFDs are traded on the leading MT4 platform. XTB offers a huge selection of more than 2,100 CFDs spanning forex, indices, commodities, stocks, ETFs, and cryptos (location-dependant). Leverage up to 1:30 is available in the EU and UK, while global clients and pro traders can access up to 1:500. XTB stands out for its CFD trading resources and tutorials to assist traders in developing short-term trading strategies.
Leverage
1:500 1:30
FTSE Spread
Not Available 1.8
GBPUSD Spread<
From 0.5 pips 1.4
Oil Spread
From 1.6 pips 0.03
Stocks Spread
Variable 0.2%
Forex
PU Prime clients can trade 40+ forex pairs via the MT4 and MT5 platforms with dynamic leverage up to 1:500. Spreads start from near zero on Prime accounts, which also charge a $7 commission per lot, and a zero-commission Standard account with wider spreads is also available. XTB provides access to 70+ currency pairs with low spreads averaging around 1 pip on majors. The xStation platform offers an intuitive environment for forex traders with an excellent charting package encompassing 30+ indicators, plus a range of order types, catering to various strategies and risk management techniques.
Assets
800+ 70+
GBPUSD Spread
From 0.5 pips 1.4
EURUSD Spread
From 0.2 pips 1.0
EURGBP Spread
From 0.4 pips 1.4
Cryptocurrency
Pacific Union offers leveraged cryptocurrency trading against the US Dollar. Spreads are tight and updated in real-time. Traders can analyze crypto markets using powerful trading software. XTB offers an excellent selection of cryptos with more than 50 digital currencies. Spreads are tight starting from 0.22% on BTC and leverage reaches 1:5. The xStation platform also provides intra-crypto pairs like ETH/BTC and DSH/BTC. With the capability to trade cryptos 24/7, XTB ensures a secure environment with transparent accounts for cryptocurrency trading.
Spread
From 0.7 pips 0.22%
Coins
  • BTC
  • BCH
  • ETH
  • LTC
  • EOS
  • XLM
  • 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
PU Prime XTB
Review
Review
77% of retail accounts lose money.
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