FXFlat Review 2026
Established in 1997
•
Germany
• BaFin Regulated
FXFlat is a well-established broker with a solid 4.1/5 rating. Regulated by BaFin (highest protection tier), this broker offers spreads from 1.1 pips on EUR/USD with a minimum deposit of $200. Trade 9000+ instruments including forex, CFDs, and more.
📊 FXFlat Overview
FXFlat (FXFlat Bank GmbH) is a well-established broker founded in 1997 headquartered in Ratingen, Germany. The broker operates under the supervision of BaFin , one of the world's most respected financial regulators known for strict oversight and investor protection .
With access to 9000+ tradable instruments including 60 forex pairs , 5 cryptocurrencies , 8000 stocks , FXFlat caters to diverse trading strategies.
| Legal Name | FXFlat Bank GmbH |
|---|---|
| Founded | 1997 |
| Headquarters |
Ratingen, Germany
|
| Primary Regulation | BaFin (Tier 1 - Highest Protection) |
| Instruments | 9000+ assets |
| Min Deposit | $200 |
| Max Leverage | 1:30 |
📖 FXFlat — In-Depth Introduction
Since 1997, FXFlat has been serving traders worldwide, accumulating 29 years of expertise in the financial markets. The BaFin license held by FXFlat represents the gold standard in forex regulation. Traders can operate with confidence knowing their funds are protected by one of the world's most respected financial authorities. FXFlat caters to serious traders with its professional-grade execution and comprehensive platform offerings.
Company Background
FXFlat (legally FXFlat Bank GmbH) has been operating in the financial services industry for 29 years. Headquartered in Ratingen, Germany, the company has weathered multiple market cycles including the 2008 financial crisis and the 2020 pandemic volatility, demonstrating operational resilience.
The broker provides access to 9000+ tradable instruments.
💸 FXFlat Fees — Complete Cost Analysis
FXFlat's spreads of 1.1 pips on EUR/USD fall within the industry average range. While not the cheapest option, these costs are acceptable for most trading styles. There are no commission fees on FXFlat's standard accounts. All trading costs are embedded in the spread, making it straightforward to calculate your expenses. Consider this cost analysis: with 1.1 pip spreads, each standard lot trade on EUR/USD costs $11 in spread. An average retail trader making 50 trades monthly would spend approximately $550 on spreads.
Trading Costs Breakdown
💡 Cost Calculator: FXFlat
Non-Trading Fees
| Fee Type | FXFlat | Industry Average |
|---|---|---|
| Deposit Fee | Free | Free - $25 |
| Withdrawal Fee | Varies by method | $0 - $50 |
| Inactivity Fee | None | $10-50/month |
Want to compare fees with other brokers?
⚖️ Compare🛡️ Is FXFlat Safe? — Complete Security Analysis
FXFlat's 90/100 Trust Score places it among the safest brokers in our database. This score is calculated using 15+ safety factors including regulation, fund segregation, and company transparency. FXFlat implements institutional-grade fund security: segregated accounts, regular third-party audits, and in some jurisdictions, investor compensation scheme coverage up to €20,000.
Regulatory Framework
FXFlat is regulated by BaFin.
Security Features Checklist
Understanding the Trust Score
Our 90/100 Trust Score is calculated using 15+ safety factors including regulation, company history, financial transparency, and client fund protection.
📋 Methodology👤 Who Should Use FXFlat?
✅ Best For
- Professional traders will appreciate FXFlat's institutional-grade features: tight spreads, advanced platforms, API access, and high leverage options (where permitted).
❌ May Not Suit
- Those seeking the absolute lowest trading costs.
Looking for alternatives?
📝 The Bottom Line on FXFlat
FXFlat is a solid choice for most traders looking for reliability with a 4.1/5 rating.
📈 FXFlat Detailed Scores
Our expert team evaluates brokers across 8 key categories. Here's how FXFlat performed in our rigorous testing:
FXFlat offers a solid trading experience with competitive conditions.
💰 FXFlat Fees & Spreads
Understanding trading costs is crucial for profitability. FXFlat uses a Variable spread model with no commission on standard accounts. The average EUR/USD spread is 1.1 pips .
📊 Typical Spreads
| Pair | Min | Average |
|---|---|---|
| EUR/USD | 0.8 | 1.1 pips |
| GBP/USD | 0.8 | 1.2 pips |
| USD/JPY | 0.6 | 1.0 pips |
| XAU/USD | 15 | 25 cents |
💳 Other Fees
| Commission (ECN) | No commission |
| Deposit Fee | Free |
| Withdrawal Fee | Free (method dependent) |
| Inactivity Fee | None |
| Swap-Free (Islamic) | Not available |
💡 Trading Cost Example
Trading 1 standard lot (100,000 units) of EUR/USD with FXFlat:
- Spread Cost: 1.1 pips × $10/pip = $11.0
- Commission: $0
- Total Cost: $11.0 per lot
🛡️ FXFlat Regulation & Safety
FXFlat is regulated by BaFin, a Tier 1 - Highest Protection regulatory authority. This means the broker must adhere to the strictest financial regulations, including capital requirements, regular audits, and mandatory investor protection schemes.
📜 Regulatory Licenses
- BaFin 80154
- FCA 466201
🔒 Safety Features
- ✓ Segregated Client Funds
- ✓ Negative Balance Protection
- ✗ Investor Compensation
- — Publicly Traded
🎯 Trust Score: 90/100
High Trust: FXFlat has demonstrated excellent regulatory compliance and safety standards.
🖥️ FXFlat Trading Platforms
FXFlat offers 2 trading platforms, giving traders flexibility in how they access the markets.
MetaTrader 4
The world's most popular forex platform. Ideal for beginners and algo traders with Expert Advisor support.
- ✓ Expert Advisors (EAs)
- ✓ Custom Indicators
- ✓ One-Click Trading
- ✓ Mobile & Desktop
MetaTrader 5
Advanced multi-asset platform with more timeframes, order types, and improved backtesting.
- ✓ 21 Timeframes
- ✓ Depth of Market
- ✓ Economic Calendar
- ✓ Multi-Asset Support
📋 Platform Comparison
| Feature | MT4 | MT5 | cTrader |
|---|---|---|---|
| Available | ✓ | ✓ | ✗ |
| Copy Trading | ✗ | ✗ | ✗ |
| Algo Trading | ✓ | ✓ | ✗ |
| VPS Available | Not offered | ||
| API Access | Not available | ||
🌐 FXFlat Tradable Instruments
FXFlat offers access to 9000+ tradable instruments across multiple asset classes. This includes 60 forex pairs , 5 cryptocurrencies , and 8000 global stocks.
👤 FXFlat Account Types
FXFlat offers various account types to suit different trading needs and experience levels. Demo accounts are available for practice.
Practice with virtual funds
Not available
Not available
Not available
Not available
💳 FXFlat Deposits & Withdrawals
FXFlat requires a minimum deposit of $200 .
📥 Deposit Methods
- 💳Credit/Debit Cards
- 🏦Bank Wire Transfer
- 📱E-Wallets (Skrill, Neteller)
📤 Withdrawal Methods
- 💳Credit/Debit Cards
- 🏦Bank Wire Transfer
- 📱E-Wallets
⚖️ FXFlat Pros & Cons
✅ Pros
- Top-tier BaFin regulation ensures high safety standards
- Offers both MetaTrader 4 and MetaTrader 5 platforms
- Free demo account available for practice
- Negative balance protection for retail traders
❌ Cons
- No copy trading feature
- Limited educational resources for advanced traders
📚 FXFlat Education & Research
FXFlat's educational offerings are limited compared to some competitors.
Limited
Not available
Basic coverage
Available on trading platforms
🎧 FXFlat Customer Support
FXFlat offers customer support to assist traders with their queries.
⭐ FXFlat User Reviews
📝 User reviews will be displayed here. Share your experience with FXFlat!
Write a Review🏆 FXFlat — Our Verdict
FXFlat is a solid choice for most traders. With BaFin regulation, 1.1 pips EUR/USD spreads, and a $200 minimum deposit, this broker is a good choice for safety-conscious traders .
Best for: Safety-focused traders
⚠️ Risk Warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74-89% of retail investor accounts lose money when trading CFDs with this provider. Consider whether you understand how CFDs work and whether you can afford the high risk of losing your money.
❓ FXFlat — Frequently Asked Questions
Is FXFlat a safe and regulated broker?
Yes, FXFlat is regulated by BaFin, which is a Tier 1 - Highest Protection regulatory authority. The broker also holds licenses from 1 additional regulators. Client funds are kept in segregated accounts with negative balance protection.
What is the minimum deposit at FXFlat?
The minimum deposit at FXFlat is $200.
What trading platforms does FXFlat offer?
FXFlat offers the following trading platforms:
- MetaTrader 4 (MT4) — The most popular forex trading platform
- MetaTrader 5 (MT5) — Advanced multi-asset platform
What are FXFlat's spreads on EUR/USD?
FXFlat offers EUR/USD spreads from 0.8 pips with an average of 1.1 pips. The broker uses Variable spreads.
How long do withdrawals take at FXFlat?
Withdrawal processing times at FXFlat depend on the payment method:
- E-wallets: 0-24 hours
- Credit/Debit Cards: 2-5 business days
- Bank Transfers: 3-7 business days
Does FXFlat offer a demo account?
Yes, FXFlat offers free demo accounts with virtual funds so you can practice trading without risking real money. This is an excellent way to test the platform and develop your trading strategy.
What is FXFlat's maximum leverage?
FXFlat offers maximum leverage of 1:30. However, note that leverage limits vary by region due to regulatory requirements:
- EU/UK/Australia: Up to 1:30 for major forex pairs (retail)
- Professional traders: Higher leverage may be available upon qualification
- Other jurisdictions: Leverage up to 1:30 may be available
Higher leverage increases both potential profits and potential losses.
Can I use FXFlat in ?
FXFlat accepts traders from . The broker operates under BaFin regulation. Always verify current availability and applicable regulations on the broker's website.
Does FXFlat offer Islamic (swap-free) accounts?
FXFlat does not currently advertise Islamic accounts. If you require swap-free trading, we recommend contacting them directly or considering an alternative broker.
What instruments can I trade with FXFlat?
FXFlat offers access to 9000+ tradable instruments:
- 60 Forex currency pairs
- 5 Cryptocurrencies
- 8000 Stock CFDs
