XTB
Merrill Edge
VS
Higher Rated
XTB
Capital at risk · T&Cs apply
Choosing between XTB and Merrill Edge depends on your trading style, preferred markets, and budget. XTB is headquartered in Warsaw, Poland, while Merrill Edge operates from Charlotte, USA. XTB has the longer track record, established in 2002, compared to Merrill Edge which was founded in 2010. 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
Merrill Edge
XTB is the better choice overall, scoring 3.8/5 vs 3.2/5 on BrokerRank's independent rating. On fees, Merrill Edge offers lower spreads (0 pips).
See full side-by-side comparison belowOverall Rating
XTB
3.8 vs 3.2
Lowest Fees
Merrill Edge
0.1 vs 0 pips
Regulation
XTB
2 vs 1 licences
Min. Deposit
Tied
$0 vs $0
XTB
WinnerMerrill Edge
XTB
Merrill Edge
Lower feesXTB holds licences from FCA, CySEC. Merrill Edge is regulated by SEC.
Both brokers offer access to Stocks, Indices markets. XTB additionally covers Forex, Cfd, Commodities.
On spreads, Merrill Edge 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. Merrill Edge offers Proprietary Web, Proprietary Mobile. Both brokers are available on Proprietary Web, Proprietary Mobile.
XTB requires no minimum deposit, while Merrill Edge sets no minimum deposit. This makes XTB accessible to traders with any budget.
BrokerRank scores XTB at 3.81/5 and Merrill Edge at 3.19/5, based on 50+ data points covering regulation, fees, platforms, markets, and user experience. XTB leads overall with a clear advantage.
XTB scores higher overall on our independent rating system. XTB holds a 3.8/5 rating vs Merrill Edge's 3.2/5. 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 Merrill Edge starts at 0 pips. Check the fees section above for a full breakdown.
XTB requires a minimum deposit of $0. Merrill Edge requires $0.
XTB is regulated by FCA, CySEC, while Merrill Edge holds licences from SEC.
XTB supports Proprietary Web, Proprietary Mobile, MT4. Merrill Edge 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.
Only 26% of Brokers Are Truly Fee-Free
BrokerRank Research — Hidden costs across 345 brokers
58% of Brokers Hold a Single Licence
BrokerRank Research — Regulation quality analysis
71% of Retail Traders Lose Money
BrokerRank Research — Loss rates across 50 EU brokers
76% of Brokers Use Proprietary Platforms
BrokerRank Research — MT4 vs MT5 vs proprietary
Trading involves risk. Past performance is not indicative of future results. Capital at risk. Full risk disclosure.