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Side-by-Side Comparison Independent Updated Oct 30, 2026

TD Direct Investing vs XTB 2026: Which Broker is Better?

Compare TD Direct Investing and XTB side by side on fees, regulation, platforms and our expert ratings. Find out which broker suits your needs.

TD Direct Investing

XTB

Higher ratedXTB logo

XTB

3.8/ 5
Visit XTB →Full review
VS
TD Direct InvestingXTB
BrokerRank Score2.9/53.8/5 ✓
Min. Deposit$0$0
Spread from0 pips ✓0.1 pips
Max Leverage1:51:500 ✓
RegulationIIROC, CIPFFCA, CySEC
PlatformsProprietary Web, Proprietary Mobile, WebBrokerProprietary Web, Proprietary Mobile, MT4
Quick VerdictBrokerRank recommends
Best for Beginners
TD Direct InvestingXTB
Best for Low Fees
TD Direct InvestingXTB
Best for Regulation
TD Direct InvestingXTB
Best Overall
XTBTD Direct Investing
Quick Answer

XTB is the better choice overall, scoring 3.8/5 vs 2.9/5 on BrokerRank's independent rating. On fees, TD Direct Investing offers lower spreads (0 pips).

See full side-by-side comparison below

TD Direct Investing vs XTB: Key Differences

Feature

TD Direct Investing

XTB

Winner
Our Rating
2.9 / 5
3.8 / 5
Min. Deposit
$0
$0
Max Leverage
Spread From
0 pips
0.1 pips
Commission
$9.99/lot
None
Regulated By
IIROCCIPF
Platforms
Proprietary Web, Proprietary Mobile, WebBroker, TD Advanced Dashboard
Proprietary Web, Proprietary Mobile, MT4
Markets
Stocks, Etf, Indices, Forex
Forex, Cfd, Stocks, Indices, Commodities, Crypto
Founded
1984
2002
Headquarters
Toronto, Canada
Warsaw, Poland
Score
1 / 4
3 / 4

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Fees Comparison

Fee

TD Direct Investing

XTB

Spread From
0 pips
0.1 pips
Commission
$9.99/lot
None
Deposit Fee
None
None
Withdrawal Fee
None
None

BrokerRank Verdict

TD Direct Investing scores 2.92/5 while XTB scores 3.81/5 in our independent rating.

XTB edges ahead overall, but TD Direct Investing may suit traders who prioritise different features. Read our full reviews for a detailed breakdown. Scores are based on our transparent methodology.

Who Should Choose Which?

TD Direct Investing

TD Direct Investing

2.9/5

Choose TD Direct Investing if you want…

  • Tighter spreads (from 0 pips)
  • More established (est. 1984)
  • More platforms (4 supported)
XTB

XTB

3.8/5

Top pick

Choose XTB if you want…

  • Higher overall rating (3.8/5)
  • No per-trade commission
  • Higher leverage (up to 1:500)
  • More market types (6)

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Frequently Asked Questions

1

Is TD Direct Investing better than XTB?

XTB scores higher overall on our independent rating system. TD Direct Investing holds a 2.9/5 rating vs XTB's 3.8/5. The best choice ultimately depends on your trading style — see our full verdict above for a detailed breakdown.

2

Which has lower fees, TD Direct Investing or XTB?

TD Direct Investing offers spreads from 0 pips, while XTB starts at 0.1 pips. Check the fees section above for a full breakdown.

3

What is the minimum deposit for TD Direct Investing vs XTB?

TD Direct Investing requires a minimum deposit of $0. XTB requires $0.

4

Which broker is safer, TD Direct Investing or XTB?

TD Direct Investing is regulated by IIROC, CIPF, while XTB holds licences from FCA, CySEC.

5

What trading platforms do TD Direct Investing and XTB support?

TD Direct Investing supports Proprietary Web, Proprietary Mobile, WebBroker, TD Advanced Dashboard. XTB supports Proprietary Web, Proprietary Mobile, MT4.

6

Can I use both TD Direct Investing and XTB?

Yes, you can hold accounts at multiple brokers simultaneously. Many traders diversify across platforms to access different markets and tools.

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