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

Trying to choose between XTB and Mexc 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 18, 2025

XTB

Mexc

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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

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.

Mexc is ideal if:

You’re seeking wide token access and early listings: MEXC regularly lists emerging altcoins—often before other major exchanges—so it’s great if you're hunting for fresh or niche projects.
You value advanced trading tools and fast execution: With spot, futures, margin, copy trading, and leveraged ETFs, plus a high-performance engine, it’s built for active and experienced traders.
You want low-cost, globally accessible trading: It offers zero maker fees and deep liquidity across 170+ countries, making it efficient and budget-friendly worldwide.

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.

Mexc isn’t ideal if:

You prefer ultra-clear, fast customer support: Some users report delayed responses and unclear communication during risk control or account reviews.
You’re new to crypto platforms: MEXC’s breadth of tools and features may feel overwhelming if you’re a beginner seeking simplicity.
You highly value unrestricted global access: Risk-control flags or restrictions—particularly when accessing via VPN or from certain regions—can unexpectedly limit account usability.

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.

Maker fees start at zero and taker fees around 0.05%, with improved discounts (up to 20–50%) when using the native MX token or meeting volume-based holding thresholds—perfect for high-volume traders.

Futures/Derivatives

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

Futures also offer 0% maker and about 0.02% taker rates, while funding fees are paid peer-to-peer every 8 hours and vary (typically ±0.01–0.03%), impacting your position cost depending on market sentiment.

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.

Although not officially posted, spreads on highly liquid pairs like BTC/USDT and ETH/USDT tend to be very tight—typically just a few basis points—due to the platform’s deep order book and high trading volume.

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 fiat via bank transfers, credit/debit cards, or third-party providers like Banxa and Simplex; fees and processing times vary by provider, while fiat withdrawals require advanced KYC and proceed via P2P or SEPA methods, usually completing within two business days.

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).

MEXC charges withdrawal fees that vary by cryptocurrency and network—like fixed rates for Bitcoin or Ethereum—and the amount changes based on network congestion and chosen blockchain.

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.

While most platform fees are transparent, additional costs can arise from automatic currency conversions, inactivity penalties, expedited KYC services, or optional tools—so it’s wise to review your account settings periodically.

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.

Buying €500 worth of BTC involves a taker-style execution fee (a small percentage), a minimal spread due to liquidity, and any later withdrawal cost depends on the chosen crypto network—altogether forming the total outlay beyond just token value.

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.

MEXC offers access to nearly 3,000 spot trading pairs and over 1,100 futures pairs, ensuring you can trade a wide variety of digital assets beyond just the most popular ones—while the top 20 by volume typically include major coins like BTC/USDT and ETH/USDT, along with trending altcoins.

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.

MEXC delivers a full suite of products—spot trading, margin, perpetual futures, crypto ETF-like instruments, staking and earning programs, loan services, copy trading, grid trading bots, and automated DCA setups—to cater to diverse trading and investment needs.

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.

With daily futures volume reportedly exceeding $25 billion, MEXC provides substantial liquidity, and its BTC/USDT order book depth within ±5 basis points of mid-price can reach around $82 million, offering notably tighter execution than many competitors.

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.

MEXC equips traders with a full toolkit, including limit, stop, and OCO orders, real-time price alerts, rich charting features, direct TradingView integration, and robust API/websocket support for automated or advanced trading strategies.

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.

Certain advanced features like futures and derivatives may be restricted in specific jurisdictions due to regional regulations, so availability can vary depending on your location despite global platform reach.

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.

MEXC drives innovation with launchpad-style token offerings and frequent airdrop events, while offering both flexible and locked earn products that allow users to choose between liquidity or potentially higher yield locked structures.

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.

MEXC was originally registered as MEXC Global Limited in Seychelles in 2020, but the entity was dissolved in December 2024, reflecting a shift in its legal presence and raising questions about its official operational jurisdiction.

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).

The platform operates without formal licensing in major financial jurisdictions and does not comply with frameworks like MiCA, FCA, or VASP regimes, leaving it largely unregulated despite being flagged by multiple authorities for its unlicensed status.

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.

MEXC holds users’ assets primarily in-house, employs cold-hot wallet separation, supports multi-signature protection, and publishes bi-monthly proof-of-reserves audits demonstrating full backing (often above 100%) for major cryptocurrencies.

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.

MEXC has an established insurance fund designed to absorb losses from forced liquidations or extreme market events, enhancing overall risk resilience on its trading platform.

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.

There are no widely reported hacks or major security breaches involving MEXC, and it has not been subject to known regulatory penalties, though ongoing scrutiny due to its unlicensed operations persists.

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 robust security controls, including SSL encryption, mandatory two-factor authentication, address whitelisting, anti-phishing codes, support for sub-accounts, and fine-grained API permission settings to enhance user protection.

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.

MEXC promotes transparency via regular proof-of-reserves disclosures, external security audits, and public wallet data, though it does not currently provide formal service level agreements or detailed monthly financial reporting.

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.

MEXC supports fiat deposits via bank transfers (like SEPA), credit/debit cards, and third-party gateways; limits (e.g., up to €20,000 per transaction and €200,000 per day via SEPA) apply, with processing ranging from near-instant with SEPA Instant to up to 2 business days for standard transfers.

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.

MEXC operates with tiered verification: no KYC allows basic access with a 10 BTC daily withdrawal limit; Primary KYC lifts that to around 80 BTC per day; Advanced KYC further increases it to roughly 200 BTC or about $20,000 in fiat, unlocking full platform privileges.

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.

On-chain withdrawals are enabled across multiple networks (like ERC-20, TRC-20, BEP-20), with network-dependent limits (up to ~200 BTC/day for verified users), and typical processing times depending on blockchain 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.

MEXC offers around-the-clock customer support via live chat and email, complemented by a comprehensive help center and documentation for self-service needs, though official average response times aren’t publicly stated.

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’s interface is available in English and other languages, with fees displayed in EUR and USD depending on region; however, it does not emphasize localized regulatory disclosures per jurisdiction.

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.

MEXC’s mobile app is widely regarded as fast and intuitive, offering demo trading and smooth performance; while official crash rate metrics or update logs aren’t published, regular updates and a stable experience are implied by user reviews.

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.

MEXC’s interface offers customizable layouts—like standard, horizontal, or vertical arrangement of charts and order panels—allowing users to tailor the view to their preferences, though it doesn’t offer distinct “Lite” or “Pro” modes; this flexibility helps both novices and pro traders adapt the dashboard to their learning curve.

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.

The platform generally delivers fast order execution thanks to its high-performance engine, but during extreme volatility it has previously experienced system slowdowns affecting spot trades; there’s little public reporting on KYC queues during bull runs, though swift identity processing is generally emphasized.

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.

MEXC hosts an extensive Learning Hub with guides on trading strategies, futures, grid bots, and copy trading—though it lacks dedicated demo accounts or simulators, and while content spans multiple languages, Spanish-language materials are still limited in depth.

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.

While MEXC promotes engagement through active Telegram and Discord channels and offers referral incentives, its own web platform doesn’t include built-in forums, encouraging users to connect via those external community hubs.

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.

The platform provides native TradingView chart integration and API/websocket support for automating strategies or connection with bots, but it does not natively integrate with tax reporting or accounting tools—i.e., users rely on external services for portfolio tracking.

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.

MEXC is ideal for seasoned traders who value interface customization, deep liquidity, and strategy flexibility; newcomers who prioritize guided learning or simulator tools may find the learning curve steeper and tools more limited.