XTB
- Trust score
- 5/10
- Legal simplicity
- 6/10
- Min. deposit
- 250
- Payment systems
- Broker guides
Features
- Free seminars and trader training
- Daily market analyst commentary
- Low minimum deposit
- Islamic (swap-free) accounts
- Segregated client accounts
- Affiliate program
- Wide range of trading instruments
Pros
- No genuine advantage is documented in the available user feedback — the submitted comment describes an unrelated bitcoin investment scam and a referral to a third-party recovery service, not a report on XTB itself.
Cons
- A user reports depositing over $75,000 with XTB and being unable to withdraw the funds, saying they were repeatedly told to deposit more before a withdrawal would be processed.
Updated:
XTB has operated since 2002 from headquarters in Poland and the UK, with offices in 12 countries. It is regulated by the UK Financial Conduct Authority (FCA), Poland's KNF, Spain's CNMV, and Belize's IFSC, and offers its own xStation platform alongside MetaTrader 4 across Standard, Pro, and Islamic accounts from a $250 minimum deposit. Leverage is capped at 1:30 for EU-regulated accounts and up to 1:500 through the Belize entity. A user review also reports depositing over $75,000 and being unable to withdraw funds, a complaint that lines up with ProForexBrokers' 5/10 trust score.
XTB is a Poland-and-UK-headquartered forex and CFD broker, trading since 2002 and regulated by the FCA, KNF, CNMV, and Belize's IFSC, with a $250 minimum deposit.
XTB is a forex and CFD broker headquartered in Poland and the UK, trading since 2002 with offices in 12 countries. This XTB review covers its regulation, account types, platforms, and instruments, plus a user report about withdrawal difficulties worth weighing alongside its 5/10 trust score.
Regulation and Fund Protection
XTB is regulated by the UK's Financial Conduct Authority (FCA), the Polish Financial Supervision Authority (KNF), Spain's National Securities Market Commission (CNMV), and the International Financial Services Commission (IFSC) in Belize. Client funds are held in segregated accounts that are audited for FCA compliance, and UK clients are covered by the Financial Services Compensation Scheme (FSCS) up to £50,000 if XTB becomes insolvent.
Leverage
ESMA rules cap leverage at 1:30 for forex pairs under XTB's EU-regulated entities. Clients registered through XTB's Belize entity can access leverage up to 1:500, subject to that jurisdiction's own rules.
Account Types
- Standard: commission-free, spreads from 0.5 pips.
- Pro: $3.5 commission per lot, spreads from 0.1 pips.
- Islamic: swap-free, $10 commission per lot, spreads from 0.7 pips.
Trading Platforms
XTB offers its own xStation platform, built for real-time market commentary and fast execution, alongside MetaTrader 4 (MT4) for traders who prefer that ecosystem.
Trading Instruments
XTB lists more than 1,500 markets, including forex pairs, indices, commodities, cryptocurrencies, stock CFDs, and ETFs.
Minimum Deposit
Opening an XTB account requires a minimum deposit of $250.
User-Reported Withdrawal Concerns
A user review reports depositing over $75,000 with XTB and being unable to withdraw funds, saying they were repeatedly told to deposit more to reach a required amount before a withdrawal would be processed. This is a single, unverified report rather than a confirmed pattern, but it is consistent with ProForexBrokers' 5/10 trust score and is worth weighing alongside XTB's regulatory licenses before depositing significant funds.
