XTB is a 20-year-old Warsaw-listed broker with the xStation 5 platform and 5,000+ instruments. But retail leverage is capped at 1:30, MT5 is not offered, and crypto funding is not supported.
LHFX runs MetaTrader 5 as a direct MetaQuotes licensee, offers up to 1:500 leverage on majors, opens accounts from $10, and typically pays out crypto withdrawals in under 20 minutes.
LHFX vs XTB at a glance.
| Feature | LHFX | XTB |
|---|---|---|
| Commission | $3 per side | Zero on standard forex/indices/commodities, 0.2% on stocks above EUR 100k/month |
| Minimum Deposit | $10 | $0 (some regions list $250 historically) |
| Spreads | From 0.0 pips | EUR/USD from around 0.5 pips (Standard) |
| Leverage | Up to 1:500 | Up to 1:30 retail, 1:200 professional |
| Platforms | MetaTrader 5 | xStation 5 (proprietary), MT4 (legacy) |
| Instruments | 144 across forex, indices, commodities, crypto, stocks | 5,000+ including 1,600+ stocks, 80+ ETFs, 25 crypto CFDs, 35 indices |
| Execution | STP/ECN | STP/ECN/DMA |
| Regulation | FSC Mauritius (GB23202204), FSCA South Africa (FSP 52816) | FCA (522157), KNF (Poland), CySEC, BaFin, CNMV, IFSC Belize |
| Crypto Deposits and Withdrawals | BTC, ETH, USDT, typically under 20 minutes | Not supported (CFD crypto trading only) |
| Islamic Account | Yes, swap-free with holding fee after grace period | Not publicly disclosed |
The areas where LHFX offers a clear advantage over XTB.
LHFX offers up to 1:500 leverage on major forex pairs. XTB caps retail leverage at 1:30 under FCA, KNF, CySEC and BaFin rules, and 1:200 only for professional clients.
LHFX opens accounts from $10 with raw spreads from day one. XTB has historically required $250 and still leans toward larger account sizes in its onboarding.
LHFX accepts BTC, ETH and USDT for deposits and withdrawals, with payouts typically under 20 minutes. XTB offers 25 crypto CFDs as trading instruments but does not let you fund or withdraw in crypto.
LHFX is a direct MetaQuotes licensee and runs MT5 with full Expert Advisor and backtesting support. XTB is built around xStation 5, a strong proprietary platform but one that locks your automation work to a single vendor.
LHFX offers swap-free Islamic accounts. XTB does not publicly advertise a dedicated Islamic account across its global entities.
XTB has genuine strengths. Here is where they come out ahead.
XTB offers 1,600+ stocks, 80+ ETFs, 25 crypto CFDs and 35 indices on xStation 5. In many EU regions it also offers commission-free real share investing alongside CFDs. LHFX focuses on 144 instruments and forex execution.
XTB is regulated by the FCA (522157), KNF (Poland), CySEC, BaFin and CNMV. LHFX is licensed by the FSC in Mauritius (GB23202204) and the FSCA in South Africa (FSP 52816).
XTB has been operating since 2002/2004 and is listed on the Warsaw Stock Exchange with audited financials. LHFX has a shorter operating history.
XTB offers commission-free real share and ETF investing up to EUR 100,000 in monthly turnover in many EU markets. LHFX is a CFD/forex broker and does not offer fractional real share investing.
Moving from XTB to LHFX takes minutes, not days.
$10 minimum deposit. Registration takes about 2 minutes.
Upload a government-issued ID. Most verifications complete within a few hours.
Deposit via crypto or card and place your first trade on MT5 or LHFX Trade.
$10 minimum deposit. Registration takes about 2 minutes.
Upload a government-issued ID. Most verifications complete within a few hours.
Deposit via crypto or card and place your first trade on MT5 or LHFX Trade.
$10 minimum deposit. $3 per side commission. Up to 1:500 leverage on MT5. Crypto withdrawals typically under 20 minutes.