XTB
Published: Updated:
- Trust score
- 5/10
- Legal simplicity
- 6/10
- Min. deposit
- 250
- Trading platforms
- Payment systems
- Instruments
- Forex, Indices, Commodities, Metals, Energies, Stocks, ETFs, Cryptocurrencies
- Legal entity
- XTB S.A.
- Jurisdiction
- Poland
- Fees
- XTB prices forex and index CFDs on marked-up spreads with no commission, and offers commission-free real stock and ETF investing up to a monthly turnover threshold, with a commission above it. A currency conversion charge applies where the instrument currency differs from the account currency, and an inactivity fee applies after a period without trading.
- Withdrawals
- Withdrawals go by bank transfer to an account in the client's own name, normally processed the same business day above a minimum amount, with a fee on smaller withdrawals.
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.
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.
Trading conditions
XTB is listed on the Warsaw Stock Exchange and publishes audited accounts, which puts its finances on public record. Its own xStation platform is the primary terminal and is genuinely strong — fast, well-designed, with built-in market scanners and a performance analysis panel that most competitors do not supply.
Beyond CFDs, XTB offers real stock and ETF investing in many jurisdictions, commission-free up to a monthly turnover threshold. That combination of leveraged and unleveraged products in one account is unusual and makes it workable as a single broker for both.
Poland's regulator permits experienced retail clients up to 100:1 on major pairs while keeping retail protections, so a Polish account can carry higher leverage than the 30:1 elsewhere in the EU without opting up to professional status.
Verification
Onboarding is electronic in most markets, with identity verification, an appropriateness assessment and economic profile questions. Approval is often same-day.
Check the non-trading charges before funding: the currency conversion fee on a multi-currency account and the inactivity fee after a dormant period both matter more to an infrequent trader than the spread does.
