Traders Union has analyzed financial markets for over 14 years, evaluating brokers based on 250+ transparent criteria, including security, regulation, and trading conditions. Our expert team of over 50 professionals regularly updates a Watch List of 500+ brokers to provide users with data-driven insights. While our research is based on objective data, we recommend that users perform independent due diligence and consult official regulatory sources before making any financial decisions.
Learn more about our methodology and editorial policies.
XFINE Pros & Cons
- Access to more than 3,000 trading instruments.
- Tight spreads from 0.0 pips.
- Leverage is up to 1:1000.
- The minimum deposit is $10.
- Five account types for traders of different levels.
- Multilingual customer support 24/7.
- Multiple funding and withdrawal methods, including cryptocurrency transactions.
- No licenses from top-tier regulators.
XFINE is an international brokerage and fintech company founded in 2024 and registered in Saint Lucia under number 2024-00596. The broker combines innovative technologies with access to global markets, operating under the EU PSD2 directive and maintaining a high level of transparency. Clients can trade a wide selection of instruments, including Forex, cryptocurrencies, CFDs, and futures with low costs and fast execution. XFINE blends institutional-level infrastructure with service flexibility, offering bonus programs, a copy trading platform, and prop trading.
TU Expert Verdict
XFINE carries a higher degree of risk. My review and user feedback point to noticeable performance issues and limitations. It may be appropriate only for experienced traders who fully understand the risks and are prepared for potential instability.
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XFINE User Reviews
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Commissions and Fees
Score:We evaluate brokers' fees and spreads by assessing the costs associated with Standard and ECN/Raw spread accounts, including commissions and spreads. Additionally, our evaluation considers extra fees such as deposit/withdrawal charges and inactivity fees. Learn the assessment criteria5 /10The trading and non-trading commissions of XFINE have been analyzed and rated as having Medium fees, with a fees score of 5/10. Additionally, these commissions were compared with those of the top two competitors, OANDA and FOREX.com, to provide the most comprehensive information.
- Tight EUR/USD market spread
- No inactivity fee
- No deposit fee
- Above-average Forex trading fees
- Withdrawal fee applies
Trading Fees and Spread
Below, we evaluated and compared the trading commissions of XFINE with those of two competitors. We focused on the spreads and other transaction fees directly associated with executing trades (e.g commission per lot on an ECN account). This comparison aimed to provide a clear understanding of the cost efficiency of each broker.
Standard Account Spread
For Standard accounts, XFINE’s commissions are part of the floating spread, which varies with market conditions. Typical values are provided, but during high volatility, the spread may exceed these.
XFINE Standard spreads XFINE OANDA FOREX.com EUR/USD min, pips 1.5 0.1 0.7 EUR/USD max, pips 2 0.5 1.2 GPB/USD min, pips 0.1 0.9 GPB/USD max, pips 0.5 1.4 RAW/ECN Account Commission And Spread
The spread on ECN/RAW accounts is market-based and fluctuates, with average values given during active hours. It may vary during volatility spikes. A commission per lot is also charged.
XFINE RAW/ECN spreads XFINE OANDA FOREX.com Commission ($ per lot) The commission is the fee charged by the broker for trading one standard forex lot (100,000 units of the base currency). 5 3.5 5 EUR/USD avg spread 0 0.15 0.2 GBP/USD avg spread 0.2 0.4 Non-Trading Fees
We conducted a detailed analysis of the non-trading fees associated with XFINE. This review offers a comprehensive overview of the additional costs that may impact traders beyond regular trading activities.
XFINE Non-Trading Fees XFINE OANDA FOREX.com Deposit fee, % The indicated amount does not include possible fees from payment systems and banks. 0 0 0 Withdrawal fee, % The indicated amount does not include possible fees from payment systems and banks. 0-2.6 0 0 Withdrawal fee, USD The indicated amount does not include possible fees from payment systems and banks. 0-1.3 0-15 0 Inactivity fee ($, per month) 0 0 15 -
Is XFINE Safe?
Score:We evaluate brokers' safety based on several key criteria. The highest value is placed on regulation, especially Tier 1 regulation, which ensures adherence to stringent standards set by top financial authorities like the FCA in the UK, CFTC in the US, CySEc and BaFin (EU) or ASIC (Australia). High scores are also given for participation in investor protection funds, which safeguard clients' funds in case of broker insolvency. Learn the assessment criteria3.7 /10XFINE has a safety score of 3.7/10, which corresponds to a Low security level. The safest brokers are those with Tier-1 regulation, a long history (over 10 years in the market), and participation in investor compensation schemes.
- Is regulated
- Negative balance protection
- Not tier-1 regulated
- Track record of less than 8 years
XFINE Regulators and Investor Protection Abbreviation Full Name Country of regulation Investor Protection Fund Regulation Level Abbreviation MISA (Mwali) Full Name Mwali International Services Authority Country of regulation The Comoros Investor Protection Fund No specific fund Regulation Level Tier-3 XFINE Security Factors Foundation date - Negative balance protection YesVerification (KYC) YesXFINE is not a regulated broker; however, it strictly adheres to the standards of the EU PSD2 directive. Investor funds are held in segregated bank accounts, ensuring they cannot be used for purposes other than trading operations. To guarantee the security of all transactions, the FondyAntifraud system is employed, analyzing each operation across more than 300 parameters. This approach makes it possible to promptly detect suspicious activities, including hacking attempts, the use of stolen cards, or other types of fraud.
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Account Types
Score:We evaluate a broker’s account offering by analyzing the range and suitability of available account types and how effectively they cater to different trader profiles and strategies. Our assessment covers the diversity of account options — including Standard, ECN/Raw, Cent, Swap-Free (Islamic), and VIP accounts — as well as the flexibility of trading conditions provided. Learn the assessment criteria.6.3 /10XFINE offers the following account options: Demo, Standard, ECN/Raw spread, Swap Free, VIP.
However, it does not provide a Cent account, which can be a disadvantage for beginners looking to practice with minimal risk.
- Standard account with balanced trading conditions
- Swap Free (Islamic) account
- Tight spread ECN account
- No Cent account
- Micro lots are not available
XFINE account types vs top competitors XFINE Trading.com Plus500 Standard YesYesYesECN/Raw spread YesNoNoDemo YesYesYesCent NoNoNoMicro NoNoNoSwap Free YesNoNoVIP YesNoNoManaged NoNoNoXFINE accounts trading conditions
XFINE offers accounts designed for both beginners and experienced traders. They differ in spreads, leverage, minimum deposit, and Stop Out levels.
Account Type Description Zero Floating spreads from 3 pips, no Forex commission, minimum deposit $10 Standard The minimum deposit is $100, Forex commission $5 per lot, floating spreads from 0 pips Pro Floating spreads from 0 pips, Forex commission $4.5 per lot, deposit from $1,000 VIP Floating spreads from 0 pips, Forex commission $4 per lot, minimum deposit $20,000 Cent X A micro account for practicing strategies with minimal financial risks -
Deposit and Withdrawal
Score:This section assesses the efficiency, speed, and affordability of brokers’ transaction processes, focusing on available methods, currencies, and fees. For further details, please refer to our data-focused methodology5 /10XFINE received a Medium score for the efficiency and convenience of its deposit and withdrawal processes.
XFINE provides a reasonable range of deposit and withdrawal options with moderate fees, in line with industry standards.
- Bank wire transfers available
- Minimum deposit below industry average
- No deposit fee
- Bitcoin (BTC) accepted
- Withdrawal fee applies
- PayPal not supported
- BTC not available as a base account currency
What are XFINE deposit and withdrawal options?
XFINE provides a basic range of deposit and withdrawal options, covering essential methods in line with industry standards. This set of options is sufficient for most traders, with available methods Bank Card, Bank Wire, BTC, USDT.
XFINE Deposit and Withdrawal Methods vs Competitors XFINE Trading.com Plus500 Bank Wire YesYesYesBank card YesYesYesPayPal NoNoYesWise NoNoNoBTC YesNoNoWhat are XFINE base account currencies?
A wide range of base account currencies minimizes the need for currency conversion, potentially reducing transaction costs. XFINE supports the following base account currencies: USD.
What are XFINE's minimum deposit and withdrawal amounts?
The minimum deposit on XFINE is $10, while the minimum withdrawal amount is $10. These minimums may vary depending on the chosen account type and payment method. For specific details, please contact XFINE’s support team.
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Markets and Tradable Assets
Score:The evaluation in this section is based on the TU methodology and reflects the total number and variety of tradable assets offered by the broker, including Forex currency pairs. It also considers the availability of passive income tools such as PAMM accounts, copy trading, and similar services. All information is obtained from publicly available sources and may change. Learn the assessment criteria8.8 /10XFINE offers a wide range of trading assets. The platform supports more than 3,000 instruments, including over 100 Forex currency pairs, more than 500 cryptocurrencies, precious metals, energy commodities, stocks, indices, and forward contracts (NDFs).
Of particular note are the fully dated exchange-traded futures that XFINE provides as a sub-broker of the OKX crypto exchange.- Commodity futures are available
- Indices trading
- 3000 assets for trading
- Forward Contracts (NFD)
- Dated Exchange-Traded Crypto Futures
- No ETFs
- Bonds not available
Supported markets vs top competitors
We have compared the range of assets and markets supported by XFINE with its competitors, making it easier for you to find the perfect fit.
XFINE Trading.com Plus500 Currency pairs 90 69 60 Total tradable assets The total tradable assets listed include all available instruments, including CFDs. Due to regional restrictions, certain CFDs may not be offered in some countries. For example, cryptocurrency CFDs are banned in the UK, and the U.S. has restrictions on CFDs. 3000 69 2800 Stocks YesNoYesCommodity futures YesNoYesCrypto Cryptocurrency CFDs are restricted or prohibited in certain regions due to regulatory limitations. These include the United Kingdom, China, Egypt, the United States and Canada. YesNoYesStock indices YesNoYesOptions NoNoYesInvestment options
We also explored the trading assets and products XFINE offers for beginner traders and investors who prefer not to engage in active trading.
XFINE Trading.com Plus500 Bonds NoNoNoETFs NoNoYesCopy trading YesNoNoPAMM investing NoNoNoManaged accounts NoNoNo -
Trading Account Opening
Score:We evaluated Trading Account Opening at XFINE by testing the registration process under real conditions, including opening an account and funding it with the minimum required deposit (but no less than $100). Our assessment considered whether onboarding was fully online, the average registration time, the speed of KYC verification, and how quickly traders could activate their accounts. Learn the assessment criteria.8 /10We successfully registered an account with XFINE in 20 minutes. The KYC verification was completed within 2 business days. The minimum deposit amount at XFINE is $10. This is one of the most accessible and hassle-free onboarding procedures on the market.
- Low minimum deposit requirement
- Fully online account opening process
- Registration process may take longer than expected
- Account approval may require extra time depending on the documentation.
XFINE account opening XFINE Trading.com Plus500 Online Registration YesYesYesMinimum deposit $10 $50 $100 Mandatory KYC YesYesYesRegistration time (min) 20 20 KYC time (days) 2 2 3 Is XFINE available in my country?
If you are a citizen of United States, the broker accepts clients from your country.
Please note that availability may vary due to regulatory requirements, so we recommend confirming directly with the broker for the most accurate and up-to-date information.
Account opening details
To create a user account on XFINE, follow these simple steps:
Click "Register" on the website and provide your first name, last name, phone number, and email.
Create a strong password.
In the User Account, click "Open Real Account."
Select the account type and maximum leverage.
Upload documents to complete verification.
Additional features of XFINE’s User Account allow traders to:
- Deposit funds and submit withdrawal requests.
- Open a demo account.
- View information on active accounts.
- Download trading platforms.
- Access the economic calendar.
- Use the copy trading platform.
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Customer Support
Score:We evaluated Customer Support at XFINE by opening a real account funded with the minimum required deposit (no less than $100) and contacting support to measure response time under real conditions. Our assessment considered contact channels, response speed, multilingual support, and availability hours. Learn the assessment criteria6 /10Customer support at XFINE is available, but response speed and service quality may vary. Some requests are handled efficiently, while others may require follow-ups.
During testing, response times were moderate, and communication depended on the complexity of the request. XFINE provides basic support functionality but does not stand out in overall service performance.
- Support available daily
- Website in 15 languages
- No website chat
- No phone support
XFINE’s communication methods:
- Email.
- Ticket system in the User Account.
- Instagram.
- Facebook.
- VK.
Contacts Registration address Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia Regulation Mwali International Services Authority Licence number:
BFX2025147Official site https://x-fine.com/ Contacts support@x-fine.com
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FAQs
How secure is trading with XFINE in terms of regulation and client fund protection?
XFINE has a safety score of 3.7/10, indicating a low security level, and is overseen by the Tier-3 Mwali International Services Authority (MISA) in The Comoros, with no specific investor compensation fund mentioned. The review also notes that XFINE is described as not regulated while stating that it follows EU PSD2 standards, uses segregated client bank accounts, applies KYC verification, and employs the FondyAntifraud system to monitor transactions for suspicious activity.
What commissions, spreads, and non-trading fees does XFINE charge according to the review?
The review rates XFINE’s overall fee level as medium, with Standard account EUR/USD spreads typically ranging from 1.5 to 2 pips and RAW/ECN accounts charging a $5 commission per lot with an average 0 spread on EUR/USD. Non-trading fees include no deposit fee, no inactivity fee, and withdrawal fees ranging from 0–2.6% or $0–1.3, depending on the method.
What do user reviews and feedback say about the overall satisfaction with XFINE?
XFINE has a user satisfaction score of 6.8/10 based on 10 reviews, with 40% of ratings at 4 stars and 60% at 3 stars, and no 1- or 2-star ratings reported. According to user reviews, this distribution suggests a generally moderate but mixed level of satisfaction rather than strongly positive or strongly negative experiences.
What markets and tradable assets are available with XFINE, based on the review and user feedback?
The review states that XFINE offers more than 3,000 instruments, including over 100 Forex currency pairs, over 500 cryptocurrencies, precious metals, energy commodities, stocks, indices, NDF forward contracts, and fully dated exchange-traded crypto futures as a sub-broker of the OKX exchange. It also notes that ETFs and bonds are not available, while copy trading is supported and PAMM or managed accounts are not mentioned as options.
How do reviews describe the XFINE account opening process and verification requirements?
The review explains that opening an account with XFINE is fully online, took 20 minutes for registration, and that KYC verification was completed within 2 business days, with a minimum deposit of $10. Based on user feedback in the review, the process is described as accessible but may take longer for approval depending on the documentation provided.
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