XTB Review
Last Updated: August 28, 2026
Senior Forex Analyst
Chief Editor
XTB Features
Why Did XTB Get 4.6/5?
XTB is one of the largest stock exchange-listed forex and CFD brokers in the world, founded in 2002 and headquartered in Warsaw, Poland. The broker is publicly traded on the Warsaw Stock Exchange (WSE) and is regulated by multiple top-tier authorities including FCA (UK), CySEC (Cyprus), and KNF (Poland). XTB serves over 1 million clients globally and offers its award-winning proprietary platform xStation 5 alongside competitive trading conditions.
XTB Pros
- Publicly traded company with transparent financials
- Regulated by top-tier authorities including FCA, CySEC, and KNF
- Award-winning xStation 5 platform with advanced features
- Commission-free stock and ETF investing in selected countries
- Competitive spreads starting from 0.1 pips
- Extensive educational resources and market analysis
XTB Cons
- Inactivity fee after 12 months of no trading
- Limited product offering compared to some competitors
- No MetaTrader 5 support
Trading Platforms
XTB offers its proprietary xStation 5 platform, designed in-house to provide traders with a powerful yet intuitive trading experience across all devices.
xStation 5
Award-winning proprietary platform with modern design, advanced charting with over 30 indicators, one-click trading, customizable workspace, integrated news and analysis, and heatmap feature. Available on desktop, web, and mobile with full synchronization.
MetaTrader 4
Classic MT4 platform for traders who prefer familiar tools. Full EA support, custom indicators, and automated trading capabilities.
Trading Costs & Fees
XTB offers competitive and transparent pricing with no hidden fees. The broker provides spread-based pricing for forex and CFDs, with commission-free stock investing available in selected regions.
Forex Spreads
Spreads from 0.1 pips on major pairs. EUR/USD typically 0.9 pips. No commission on forex trades - spreads only pricing model.
| Instrument | Typical Spread |
|---|---|
| EUR/USD | 0.9 pips |
| GBP/USD | 1.2 pips |
| USD/JPY | 0.8 pips |
| Gold | 0.25 pips |
Stocks & ETFs
Zero commission on real stocks and ETFs up to €100k monthly turnover. After €100k, 0.2% commission applies (minimum €10). Access to over 3,500 stocks from 16 global exchanges.
Other Fees
No deposit or withdrawal fees. Inactivity fee of €10 per month after 12 months of inactivity. Overnight swap rates apply to CFD positions held overnight.
Account Types
XTB offers straightforward account options designed to meet different trading needs with transparent conditions.
Standard Account
Zero minimum deposit. Access to all 6,000+ instruments. Full platform features. Leverage up to 1:30 for retail (EU), up to 1:500 for professional and international clients. No tiered account structure - all clients get the same competitive conditions.
Professional Account
Available for qualified traders meeting ESMA criteria. Higher leverage up to 1:200. Lower margin requirements. Must meet 2 of 3 criteria: €500k portfolio, 40+ significant trades quarterly, or professional experience in financial sector.
Tradable Markets
XTB offers access to over 5,800 financial instruments across multiple asset classes, providing comprehensive market coverage.
Forex (57 pairs)
All major, minor, and exotic currency pairs with competitive spreads. High liquidity and fast execution with average order execution time under 50ms.
Stocks (3,500+ shares)
Real stocks from US, UK, German, French, Spanish, and other European exchanges. Zero commission up to €100k monthly. Fractional shares available.
ETFs (400+)
Wide range of ETFs covering indices, sectors, commodities, and bonds. Same zero-commission structure as stocks.
Indices (40+)
Major global indices including S&P 500, NASDAQ, FTSE 100, DAX 40, Nikkei 225. Cash and futures indices available.
Commodities
Gold, silver, oil, natural gas, and agricultural commodities. Competitive spreads and high leverage.
Cryptocurrencies (25+)
Bitcoin, Ethereum, Litecoin, Ripple, and more. Trade 24/7 with leverage up to 1:2.
Regulation & Security
XTB is one of the most transparent brokers in the industry, being publicly listed on the Warsaw Stock Exchange and regulated by multiple top-tier authorities worldwide.
Regulatory Framework
XTB Limited regulated by FCA (UK, license 522157). X-Trade Brokers DM S.A. regulated by KNF (Poland). XTB Cyprus regulated by CySEC (Cyprus, license 169/12). XTB International regulated by IFSC (Belize). Publicly traded on Warsaw Stock Exchange.
Client Protection
Client funds segregated in top-tier banks. UK clients protected by FSCS up to £85,000. Cypriot clients protected by ICF up to €20,000. Negative balance protection for all retail clients. Regular financial audits and transparent reporting.
Education & Research
XTB is renowned for its comprehensive educational offering, consistently ranked among the best in the industry.
Deposit & Withdrawal
Deposit Methods
Withdrawal Methods
Frequently Asked Questions
Compare XTB with Other Brokers
| Compare | |||
|---|---|---|---|
| Rating | 4.6/5 | 4.9/5 | 4.7/5 |
| Min. Deposit | $100 | 250 | 100 |
| Regulations | FCA CySEC KNF | VFSC FSCA | FCA FSRA SCA |
| Platforms | xStation 5 MT4 | Evest Platform MT5 | MT4 MT5 ADSS Platform |
| Spreads From | 0.1 pips | 0.0 pips | 0.0 pips |
| Max Leverage | 1:500 | 1:400 | 1:500 |
| Demo Account | |||
| Islamic Account | |||
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