Best Brokers with Standard Account 2026

A simple spread-only pricing model that's ideal for most retail traders.

Last verified: April 2026

Quick Answer

The best EU-regulated forex brokers offering a Standard Account in 2026 are XM, Pepperstone, XTB. Typical pricing on this account model is 0.6 - 1.2 pips on EUR/USD with None (spread-only), and minimum deposits range from EUR 0 - EUR 250.

What is a Standard Account?

A Standard Account wraps the broker's trading cost into the bid-ask spread rather than charging a separate commission. You see a slightly wider spread than a raw account, but there is nothing else to calculate. This all-in-one model is the most common account type at EU-regulated brokers and is what most new and intermediate traders use. It works well for swing trading, position trading, and any style where a fraction of a pip in cost difference does not materially affect your edge.

Typical Spread

0.6 - 1.2 pips on EUR/USD

Typical Commission

None (spread-only)

Typical Min Deposit

EUR 0 - EUR 250

Typical Features

✓EUR/USD spreads from 0.6 to 1.0 pips on average
✓Zero commission per trade
✓Minimum deposit typically EUR 100 to EUR 250
✓Full access to MetaTrader 4, MetaTrader 5, and broker proprietary platforms
✓Negative balance protection under ESMA rules
✓Standard 30:1 retail leverage on major forex pairs

Pros & Cons

Pros

✓Simple pricing — no commission math needed
✓Low or zero minimum deposit at many brokers
✓Full platform access without restrictions
✓Easiest to understand for beginners
✓Often the default account with the fewest requirements

Cons

✗Wider spreads than raw spread or ECN accounts
✗Less cost-efficient for scalpers and very active traders
✗Per-trade costs can add up quickly on high-volume strategies

Who Should Use a Standard Account?

Beginners, casual traders, and anyone who prefers simple pricing without commission calculations. Ideal for swing and position traders who hold positions for hours or days where a 0.5 pip spread difference is negligible.

Top 3 Brokers for Standard Account

#1XM

8.7

CySEC, ASIC

Micro, Standard, Ultra Low, Shares

Open XM Account

#2Pepperstone

9.3

BaFin, CySEC

Standard, Razor

Open Pepperstone Account

#3XTB

8.8

KNF, CySEC

Standard, Pro

Open XTB Account

Full Comparison Table

All EU-regulated brokers offering a standard account, ranked by the quality of their offering for this account model.

# ▲▼	Broker ▲▼	Score ▲▼	Min Deposit ▲▼	EUR/USD ▲▼	Max Leverage ▲▼	Regulators ▲▼	Platforms ▲▼	Action
1	IC Markets	9.4	$200	0.0 pips (Raw), 0.6 pips (Standard)	30:1	CySECASICFSA	MetaTrader 4, MetaTrader 5, cTrader, TradingView	Visit
2	Pepperstone	9.3	None	0.0 pips (Razor), 0.69 pips (Standard)	30:1	BaFinCySECFCAASIC	MetaTrader 4, MetaTrader 5, cTrader, TradingView	Visit
3	Interactive Brokers	9.1	None	0.1 pips (average with commission)	30:1	SECFCACBIMNB	Trader Workstation (TWS), IBKR Mobile, IBKR GlobalTrader, Client Portal	Visit
4	Saxo Bank	9.0	None	0.6 pips (Platinum), 0.8 pips (Classic)	30:1	Danish FSAFCAASIC	SaxoTraderGO, SaxoTraderPRO, SaxoInvestor	Visit
5	XTB	8.8	None	0.1 pips (Pro), 0.5 pips (Standard)	30:1	KNFCySECFCA	xStation 5, xStation App	Visit
6	Swissquote	8.8	$1000	1.3 pips (Standard), 0.6 pips (Elite)	30:1	FINMAFCASFC	Swissquote Platform, MetaTrader 4, MetaTrader 5	Visit
7	XM	8.7	$5	0.6 pips (Ultra Low), 1.6 pips (Standard)	30:1	CySECASICIFSC	MetaTrader 4, MetaTrader 5, XM App	Visit
8	Capital.com	8.6	€20	0.6 pips average	30:1	FCACySECASIC	Capital.com Platform, Capital.com App, MetaTrader 4, TradingView	Visit
9	OANDA	8.6	None	0.6 pips average	30:1	FCAASICNFA	OANDA Platform, MetaTrader 4, MetaTrader 5, TradingView	Visit
10	Admirals	8.4	€25	0.0 pips (Zero), 0.5 pips (Trade)	30:1	CySECFCAEFSA	MetaTrader 4, MetaTrader 5, MetaTrader Supreme Edition, SteamTrader	Visit

Frequently Asked Questions

What is a Standard forex trading account?

A Standard Account is a trading account that charges costs purely through the bid-ask spread with no separate per-trade commission. The broker adds a small markup to the raw market spread to cover its costs and revenue, typically producing an EUR/USD spread of 0.6 to 1.2 pips during normal market conditions. It is the most common account type in retail forex and the default option at most EU-regulated brokers.

Is a Standard Account good for beginners?

Yes. Standard accounts are typically the best choice for beginners because they have simple all-in pricing (no commission math), low or zero minimum deposits, and full access to the broker's platforms and instruments. Swing and position traders of any experience level can use Standard accounts without meaningfully sacrificing profitability.

What is the difference between a Standard and Raw Spread account?

A Standard Account builds the broker's cost into the spread and charges no commission, while a Raw Spread (also known as ECN or Razor) account passes through the raw interbank spread from 0.0 pips and charges a fixed commission per lot. Raw spread accounts are cheaper for very active traders; standard accounts are simpler and often more cost-effective for lower-volume strategies.

How much does a Standard Account cost to trade?

On a Standard Account with a typical 0.8 pip EUR/USD spread, trading one standard lot (100,000 units) costs approximately USD 8 round-turn. This compares to approximately USD 7 to USD 9 round-turn on a raw spread account after factoring commissions, so for most retail trading volumes the two are nearly equivalent.

Explore Other Account Types

Raw Spread Account ECN Account Islamic / Swap-Free Account Professional Account Micro Account VIP / Platinum Account Demo Account

CFD Risk Warning

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

This website is for informational purposes only. The content does not constitute investment advice. Trading leveraged products carries a high level of risk and may not be suitable for all investors. Past performance is not indicative of future results. EU retail leverage limits apply (ESMA): up to 30:1 on major FX pairs, 20:1 on minor FX, 20:1 on major indices, 10:1 on commodities, 5:1 on equities, 2:1 on crypto.