XTB
Charles Schwab
VS
Higher Rated
XTB
Capital at risk · T&Cs apply
Choosing between XTB and Charles Schwab depends on your trading style, preferred markets, and budget. XTB is headquartered in Warsaw, Poland, while Charles Schwab operates from Westlake, USA. Charles Schwab has the longer track record, established in 1971, compared to XTB which was founded in 2002. This in-depth comparison covers regulation, fees, platforms, markets, and overall ratings to help you decide which broker is the better fit in 2026.
XTB
Charles Schwab
| XTB | Charles Schwab | |
|---|---|---|
| BrokerRank Score | 3.8/5 ✓ | 3.6/5 |
| Min. Deposit | $0 | $0 |
| Spread from | 0.1 pips | 0 pips ✓ |
| Max Leverage | 1:500 ✓ | 1:2 |
| Regulation | FCA, CySEC | SEC, CFTC |
| Platforms | Proprietary Web, Proprietary Mobile, MT4 | Proprietary Web, Proprietary Mobile |
XTB is the better choice overall, scoring 3.8/5 vs 3.6/5 on BrokerRank's independent rating. On fees, Charles Schwab offers lower spreads (0 pips).
See full side-by-side comparison belowXTB
Charles Schwab
WinnerXTB
Charles Schwab
Lower feesXTB holds licences from FCA, CySEC. Charles Schwab is regulated by SEC, CFTC.
Both brokers offer access to Forex, Stocks, Indices, Commodities markets. XTB additionally covers Cfd.
On spreads, Charles Schwab is more competitive with EUR/USD spreads from 0.0 pips, compared to 0.1 pips at XTB.
XTB supports Proprietary Web, Proprietary Mobile, MT4. Charles Schwab offers Proprietary Web, Proprietary Mobile. Both brokers are available on Proprietary Web, Proprietary Mobile.
XTB requires no minimum deposit, while Charles Schwab sets no minimum deposit. This makes XTB accessible to traders with any budget.
BrokerRank scores XTB at 3.81/5 and Charles Schwab at 3.56/5, based on 50+ data points covering regulation, fees, platforms, markets, and user experience. XTB leads overall with a clear advantage.
XTB
3.8/5
Choose XTB if you want…
Charles Schwab
3.6/5
Choose Charles Schwab if you want…
XTB scores higher overall on our independent rating system. XTB holds a 3.8/5 rating vs Charles Schwab's 3.6/5. The best choice ultimately depends on your trading style — see our full verdict above for a detailed breakdown.
XTB offers spreads from 0.1 pips, while Charles Schwab starts at 0 pips. Check the fees section above for a full breakdown.
XTB requires a minimum deposit of $0. Charles Schwab requires $0.
XTB is regulated by FCA, CySEC, while Charles Schwab holds licences from SEC, CFTC.
XTB supports Proprietary Web, Proprietary Mobile, MT4. Charles Schwab supports Proprietary Web, Proprietary Mobile.
Yes, you can hold accounts at multiple brokers simultaneously. Many traders diversify across platforms to access different markets and tools.
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Trading involves risk. Past performance is not indicative of future results. Capital at risk. Full risk disclosure.