XTB vs Exmo: Fees, Security, Features & Which to Choose (2025)

Trying to choose between XTB and Exmo This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on August 19, 2025

XTB

Exmo

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Available Countries

United States

Europe

Yes

Latin America

Yes

India

China

Yes

Canada

United Kingdom

Yes

United States

Yes

Europe

Yes

Latin America

Yes

India

China

Yes

Canada

Yes

United Kingdom

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XTB is ideal if:

Beginners and hands-on learners will find XTB well-suited, thanks to its intuitive xStation platform and extensive educational tools designed to build confidence and trading skills.
Traders seeking a secure, transparent broker will appreciate that XTB is exchange-listed with strong regulation across multiple jurisdictions, ensuring accountability and trust.
Active traders looking for diverse assets can benefit from access to thousands of CFDs plus real stocks and ETFs, all within a modern, customizable environment built for efficiency.

Exmo is ideal if:

Effortless for beginners — EXMO shines with a clean and intuitive interface that makes entering the crypto world straightforward, even for newcomers.
Strong foundational tools — It offers essential order types (market, limit, stop), solid security layers, and mobile access—delivering the essentials without overcomplicating things.
Reward-friendly experience — If you enjoy added incentives, EXMO’s ecosystem includes perks via its native token and Earn program, enriching your engagement beyond standard trading.

XTB isn’t ideal if:

You prefer passive investing or long-term mutual funds, as XTB focuses on active CFD and Forex trading—not traditional mutual funds or bonds.
You want to automate or mirror trades, since XTB lacks features like copy trading or social trading capabilities.
Advanced pro traders needing extreme platform customization (e.g. strategy backtesting or Level II data) might find xStation’s tooling a bit limited.

Exmo isn’t ideal if:

If you need advanced trading tools, EXMO may feel limiting due to the absence of high-end features favored by professional traders.
If rapid customer support matters, response times can lag behind competitors, which might frustrate users seeking instant help.
If you're after aggressive margin use, EXMO offers modest leverage, so it’s not the best choice for high-risk, high-reward strategies.

Fees & Total Costs

Spot Maker/Take

XTB doesn’t use a traditional maker/taker pricing model or native token discounts—instead, typical spot instruments are offered as CFDs, with costs embedded in floating spreads and without separate maker/taker fees or token-based rebates.

EXMO applies a tiered fee structure where both maker and taker fees decrease as your 30-day trading volume rises—from standard spot levels down to zero or even negative rates at very high volumes—while EXMO-Coin-backed Premium packages offer additional, fixed discounts ranging from modest savings to full fee waivers.

Futures/Derivatives

Futures or derivatives—like CFDs on commodities, indices, or crypto—don’t follow a maker/taker structure

EXMO currently focuses exclusively on spot and margin trading and does not support futures or derivative products, so maker/taker and funding fees for such instruments are not applicable.

Average Spreads on Liquid Pairs

On crypto CFDs like Bitcoin and Ethereum, spreads are competitive—starting around 0.22% of the market price on liquid pairs such as BTC/USDT and ETH/USDT—and vary dynamically with market liquidity.

While precise spreads aren’t publicly listed, EXMO’s tight pairing on major BTC/USDT and ETH/USDT markets suggests they remain competitive in line with typical centralized exchange benchmarks.

Fiat Deposits & Withdrawals

Deposits via bank transfer, cards, and e-wallets (e.g. PayU, PayPal, Skrill) are generally free from XTB’s side; withdrawals above a certain amount are also free and processed quickly, while smaller withdrawals may incur a nominal fee.

You can deposit and withdraw fiat by card, bank transfers (SEPA, wire), and e-channels; deposit fees and limits depend on your chosen method, with processing times ranging from under an hour to up to three business days for traditional transfers.

On-chain Withdrawals

XTB doesn’t support direct on-chain cryptocurrency withdrawals—since trading is conducted via CFDs, there are no network-based crypto withdrawal fees (neither fixed nor variable).

Crypto withdrawals follow dynamic, network-based fees—varying by coin and network congestion—rather than flat fees, and the specific fee for each asset is shown at the time of withdrawal.

Hidden Costs

A modest currency conversion spread (around 0.5%) applies when trading in non-base currencies, and an inactivity fee may apply after prolonged dormancy, but there are no extra express KYC charges; overall, XTB emphasizes transparency in these miscellaneous costs.

Although EXMO avoids surprise charges, users should note possible currency conversion margins, low inactive-account charges, and potential priority processing fees for expedited verification or transfers, depending on circumstances.

Real-World Cost Example: “€500 BTC

For a €500 crypto-CFD purchase, you’d pay the spread embedded in the execution price (around 0.22%), and if you subsequently withdraw below the threshold, you might pay a small withdrawal fee—but there’s no separate trading commission or network fee, making it straightforward and relatively transparent.

Suppose you buy €500 worth of BTC via fiat—your cost includes a starting trading fee (based on spot or fiat tiers), the market spread embedded in the execution price, and a dynamic crypto withdrawal charge when you transfer BTC out—which together form the total effective cost of the transaction.

Crypto Offering & Trading Features

Number of Coins & Pairs

XTB offers just over 40 crypto CFDs—including 9 major coins like BTC, ETH, XRP, LTC, BCH, and additional crosses—though only a handful (such as BTC/USD, ETH/USD) comprise the top-liquid 20 by trading volume.

EXMO supports around 90–100 different cryptocurrency assets and approximately 150–235 trading pairs, while its top 20 by volume include major names like BTC, ETH, ADA, DOT, LINK, XRP, SOL, LTC, AAVE, UNI, XLM, BCH, EOS, ATOM, FIL, VET, ZEC, XMR, TRX, and more.

Product Range

XTB specializes in CFD-based crypto trading with spot-like long/short positions and modest leverage; it does not offer real crypto spot, perpetuals, options, ETFs, staking, lending, copy trading, bot strategies, or automated DCA features.

The platform offers spot trading (including margin with up to ~30× leverage), staking via the Earn program, OTC services, and automated features like copy-trading and third-party grid or trading bots—however, it does not support derivatives such as perpetuals, options, ETFs, or crypto loans.

Liquidity

While specific figures aren’t published, XTB provides competitive liquidity on its BTC and ETH CFDs—figures implied by tight, dynamic spreads and real-time execution suggest good 24-hour volume and depth, comparable with leading CFD brokers.

EXMO’s daily trading volume generally ranges from tens to a few tens of millions of dollars, with BTC/USDT and ETH/USDT among its most liquid pairs—indicative of a mid-tier liquidity exchange offering reasonable depth for retail and many pro traders.

Tools

XTB’s xStation platform includes limit, stop-loss, OCO, and take-profit automation; custom alerts; rich charting with technical indicators; but no public API or native TradingView integration, in line with its updated platform focus.

Traders can place market, limit, and stop orders; enjoy basic charting and alerts; and leverage web and mobile APIs—and while advanced tools like native TradingView charts aren’t built in, external integrations via API are possible.

Geographic Restrictions by Product

Depending on jurisdiction, some instrument types (like crypto CFDs or leveraged products) may be restricted—for instance, XTB may disable crypto trading in regions where regulations don’t permit such derivatives.

While spot and staking are widely available, margin trading may be restricted or unavailable in certain jurisdictions—particularly the US and other regions where regulations limit leverage products.

Innovation

XTB does not feature crypto-native innovations like launchpads or launchpools, nor does it offer staking or earn products of any kind—its crypto offerings remain purely CFD-based with no yield-generating or token launch services.

EXMO’s Earn offering includes flexible staking that allows daily rewards and instant withdrawals, enabling compounding without locking funds; though it doesn’t currently offer launchpad or launchpool-style token launch features, its flexible earn model is a standout.

Security, Regulation & Custody

Operating Entity & Jurisdiction

XTB is operated by XTB S.A., a publicly listed Polish joint-stock company founded in 2002 and headquartered in Warsaw, serving global clients across multiple licensed subsidiaries.

EXMO operates under its legal entity EXMO EXCHANGE LTD., established around 2013–2014 and headquartered in the UK, functioning within British jurisdictional frameworks including AML/KYC mandates and the EU’s Fifth Anti-Money Laundering Directive (5AMLD).

Licenses/Registration

It holds regulatory licenses from key authorities including Poland’s KNF, the UK’s FCA, and Cyprus’s CySEC, ensuring compliance across Europe, though it is not registered as a crypto-specific VASP (virtual asset service provider).

While EXMO is registered in the UK and complies with AML and KYC obligations, it does not hold formal licenses such as VASP or MiCA—operating without formal regulatory approvals from major bodies like the FCA or SEC, though it aligns with regional compliance best practices.

Custody

As a CFD broker, XTB does not hold or custody real cryptocurrencies—instead, all client trading is synthetic, so there’s no need for cold storage, external custodian, or proof-of-reserves protocols.

The platform uses a hybrid custody model—hot wallets for daily transactions and cold storage for the bulk of assets—with routine security audits to bolster safety; however, there’s no public proof of reserves or explicit percentage breakdown of cold vs. hot holdings.

Insurance & Protection Funds

Client funds are safeguarded through strict segregation and, in certain regions like the UK, fall under compensation schemes, but there’s no direct insurance policy specifically for crypto assets.

EXMO maintains an internal insurance fund to provide some level of user asset protection against unforeseen events, though this is not comparable to coverage offered by major traditional financial insurers.

Incident History

XTB has experienced regulatory scrutiny (e.g., fines for pricing practices) but no major hack or crypto breach; a recent allegation of unauthorized client trading prompted immediate tightening of security controls.

EXMO has experienced operational challenges—such as platform downtimes and withdrawal delays—and notable events like the 2017 kidnapping of its Managing Director, leading to heightened scrutiny; no major security breaches have been publicly confirmed since.

Risk Controls

The platform supports robust risk measures including encrypted connections, mandatory two-factor authentication (2FA), multi-contact verification, and cybersecurity monitoring—though API whitelists or sub-accounts aren’t broadly offered.

The platform offers strong security tools like 2FA (now moving toward Google Authenticator and passkeys), trusted IP whitelisting, anti-phishing email measures, and granular notification settings, enhancing account protection and risk mitigation.

Transparency

As a publicly traded entity, XTB publishes regular financial updates and reports; while there’s no public crypto wallet tracking or service-level-agreement metrics, overall operational transparency is solid.

EXMO emphasizes user data security and transaction integrity but does not offer frequent public reports like monthly transparency statements or live wallet addresses, and it lacks a formally published SLA for uptime or service levels.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

XTB supports deposits via bank transfer, credit/debit cards, PayPal, Skrill, and Neteller (depending on your region); there’s no fixed minimum deposit set by the broker, card and e-wallet deposits are usually instant, while bank transfers can take from same day up to 2–5 business days depending on origin.

You can deposit fiat via bank transfers (SEPA, wire), Visa/Mastercard cards, and various e-wallets; minimum and maximum limits vary by method and currency, can be found in your account, and deposits typically arrive within 1 minute to around an hour depending on the channel.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

XTB requires full KYC completion—identity and bank verification—for live accounts; there’s no tiered “basic” or “advanced” structure openly published—all clients must verify identity to deposit or withdraw, with no anonymous access.

New users must complete identity verification to access core features; additional levels like address or card verification unlock higher deposit/withdrawal methods and limits, with processing typically done within a few hours.

Withdrawals

Withdrawals go only to your verified bank account, and are free above thresholds like €50–100 depending on the entity; requests before local cut-off (~1 pm) are usually processed same-day (or next-day depending on entity), with processing time typically within 1 business day.

Crypto withdrawals depend on the network chosen (e.g. TRC20, ERC20) and are subject to dynamic network fees; there are high upper limits (e.g. up to $500k or £10k) and actual processing times vary with method and network congestion.

Customer Support

XTB offers 24/5 live chat, email support, and an extensive self-service help center via its Client Office; response times are typically efficient, backed by a well-organized knowledge base for common queries.

EXMO offers 24/7 support via chat, email, and ticketing, though response times may vary; there’s also a comprehensive knowledge base to help with common questions.

Languages & Localization

The platform is fully localized in Spanish, with fees and balances shown in Europe-centric currencies (€, £, $) depending on your region, and adheres to local regulatory frameworks across its European branches.

The platform fully supports English and displays fees in major currencies like EUR and USD; localization extends to fiat support and regulatory considerations in regions where it operates.

App Quality & Stability

The xStation mobile app is stable and regularly updated across Android and iOS, offering dark mode, push alerts, Apple Watch support, and smooth performance with rare crashes—designed for reliable trading on the go.

EXMO provides both mobile and web apps for trading, with a long-standing reputation, though users sometimes report downtimes and slower support responses—indicating a solid but not flawless user experience.

Experience, Performance & Ecosystem

UX/UI

The xStation platform is praised for its intuitive design and fully customizable layout, enabling users to quickly personalize their workspace with different chart layouts and toolbars—though there’s no explicit “Lite” or “Pro” mode toggle; instead, functionality scales naturally as you explore deeper features.

EXMO delivers an intuitive and beginner-friendly interface with a “Simple” or “Advanced” trading view that lets users choose between a clean, streamlined flow or a more detailed layout—facilitating a smooth learning curve from novice to experienced levels.

Performance

Execution is generally fast and stable, with xStation optimized for smooth performance even during active market conditions—though, as with any platform, extreme volumes may slow onboarding slightly, but no widespread order delays or KYC bottlenecks have been reported recently.

Users note that EXMO handles typical order latency well under normal conditions, although heavy volatility can slow response times, and during crypto bull runs, KYC queues can lead to delays in verification that hold up trading access.

Education

XTB excels in educational offerings with a robust Trading Academy featuring video courses and tiered modules (beginner/intermediate/advanced), a fully functional unlimited demo environment to practice with virtual funds, and frequent webinars; while much is available in English, key materials are also localized in Spanish.

While EXMO doesn’t offer a full-fledged demo account, it does provide educational material—including guides and blog posts—and supports Spanish-language resources to help users learn trading basics and platform features.

Community

XTB does not appear to host official Discord or Telegram communities, and while it maintains a trading referral program, its community engagement centers more on its webinars, market articles, and internal support channels rather than external forums or social chat groups.

EXMO maintains an active presence on channels like Telegram and focuses on referral incentives to build community engagement, though it lacks a dedicated forum or Discord server for deeper user interaction.

Integrations

The platform does not natively integrate with TradingView or external bots, nor does it offer built-in tax or accounting tools—traders must rely on external services if they need direct charting or bookkeeping support.

EXMO has embedded native TradingView charting directly into its platform for technical analysis, and supports external bot integrations via API—but does not yet offer formal integration with tax reporting or accounting tools.

Who Each One Is Best For

XTB works best for traders who value a sleek, beginner-friendly interface with strong educational backing, want a self-guided experience without external bots or social trading distractions, and prefer a platform where everything—from analytics to execution—is centralized and streamlined.

EXMO is ideal for traders seeking a user-friendly, approachable platform with flexible UX modes and integrated charting—especially beginners and casual users—while power-user traders may find it less adequate due to limited simulator tools and backend integrations.