XTB
Multi-Regulated Trading & Investing Broker
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Investing is risky, invest responsibly. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 72% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
XTB Review
XTB Review
XTB Review: XTB offers regulated multi-asset investing and trading with competitive fees, advanced proprietary platforms, and extensive educational resources.
XTB is a long-established, multi-regulated broker offering access to thousands of CFDs instruments, including forex, indices, commodities, shares, ETFs, and cryptocurrencies, plus over 6,100 real stocks/ETFs.
With over 20 years of experience, 1.7 million registered clients, and operations in multiple jurisdictions, XTB delivers low-cost trading, reliable execution, and its award-winning xStation platform for both new and experienced traders.
Advantages of using XTB
Advantages of using XTB
Over 10,000+ instruments: Thousands of assets, including CFDs on forex, indices, commodities, stocks, ETFs, and crypto, plus over 6,100 real stocks and ETFs for investing.
Zero Commission: 0% commission on real stock and ETFs up to a monthly cap.
Proprietary Platform: Access the xStation 5 platform for web, desktop, and mobile trading with advanced tools and fast execution.
Strong Regulation: Regulated by CySEC, KNF, and FCA, with segregated client funds and Investor Compensation Fund protection up to €20,000 applies to CySEC (XTB Cyprus). UK clients get FSCS up to £85,000.
Fund Security: Negative balance protection for retail clients under EU/UK/MENA regulation.
Educational Support: Trading Academy, webinars, market news, and analysis tools to help traders at all levels.
Support: XTB provides multilingual customer support via phone, email, and live chat.
Award-Winning Platform: xStation 5 is recognised for its intuitive design, fast execution, and powerful trading features.
Trading Tools: Advanced charting, integrated news feeds, market sentiment analysis, and a trading calculator are built into xStation.
Fast Account Opening: Complete registration and verification online in about 15 minutes with no minimum deposit required.
XTB at a Glance
Your capital is at risk. The value of your investments may go up or down.
XTB Pros and Cons
✔ Pros
Regulated by CySEC, KNF, and FCA with segregated client funds
0% commission on real stocks and ETFs (investing) up to €100,000 monthly turnover; then 0.2% (min 10, region-specific)
Proprietary platform with advanced tools
Wide range of CFDs plus 6,100+ real stocks and ETFs available for investing
Negative balance protection
No minimum deposit
✖ Cons
An inactivity fee after 12 months without trading or 90 days without a deposit
Limited leverage for retail clients under EU/UK rules
XTB serves two types of Traders
New Traders
XTB is beginner-friendly with a straightforward account setup, no minimum deposit, free educational content, and access to a demo account.
Beginners can benefit from the Trading Academy, webinars, market news, and tools like sentiment analysis to learn and practise strategies.
Experienced Traders
Experienced traders can take advantage of tight spreads, fast execution, advanced order types, integrated market analysis, and the xStation platform’s advanced charting capabilities.
Low-cost trading on real stocks and ETFs and access to 1000s of CFDs.
XTB Trading Platforms
XTB Trading Platforms
xStation 5 (Web, Desktop, Mobile)
Advanced charting with over 30 technical indicators and drawing tools
Real-time market data and news
Market sentiment analysis
One-click trading
Integrated trading calculator
Multi-asset access from a single interface
xStation Mobile App (iOS and Android)
Full trading functionality on the go
Access to all instruments and account features
Live charts, news, and sentiment tools
Secure login and fast execution
XTB Demo Trading
The free demo account allows traders to practise using virtual funds, test strategies, and explore the platform’s features without risking real capital.
XTB Trading Account
XTB Trading Account
Standard Account
No minimum deposit
0% commission on real stocks and ETFs up to a monthly cap.
Forex spreads from 0.5 pips on Standard (EUR/USD); spreads vary by instrument and market conditions.
Access to all instruments and platforms
Negative balance protection for retail clients in the UK, EU, and MENA regions (not offered under XTB International).
XTB Trading Details
XTB Trading Details
XTB Fees
Spreads
Forex from 0.5 pips (e.g., EUR/USD on Standard)
Indices from 0.9 points (e.g., DE40)
Commodities from 0.25 (e.g., Gold XAU/USD)
Commissions
0% commission on real stocks and ETFs up to €100,000 monthly turnover; 0.2% (min 10) above that; FX conversion fee may apply
Built into spreads for other instruments
Inactivity Fee
€10 per month after 12 months without trading or 90 days without a deposit
Deposits and Withdrawals
Free deposits via bank transfer and most cards; some e-wallets have fees
Withdrawals are free above €100 (Europe) or £/$/€50 (UK & International). Below the free-withdrawal thresholds, a fee applies (varies by entity, e.g., €16 EU, £12 UK, $20 US).
XTB Leverage
Retail clients
Max 1:30 for forex
1:20 for indices and gold
1:10 for other commodities
1:5 for stocks
1:2 for cryptocurrencies
Professional clients
Higher leverage available upon request
Note: UK retail clients cannot trade crypto CFDs (FCA ban), and crypto is for VIP clients only.
XTB Withdrawal Methods
Bank Transfer - Direct withdrawal to a bank account. This is the standard method and is available in all regions.
Credit/Debit Cards - Visa and Mastercard withdrawals are supported in certain regions (not globally), and may incur a small commission depending on the entity.
Notes
Processing Time: UK: same day if requested before 1 pm GMT; otherwise, next working day. Cyprus: by the next business day. International: typically processed within 1 business day.
Minimum Withdrawal: Fee-free withdrawal thresholds: €100 (Europe) and £/$/€50 (UK & International). Visa and Mastercard withdrawals are supported in certain regions; under XTB International, card withdrawals incur a 1.5% commission.
Security and Regulatory Reasons: Clients may be asked to verify their bank account before the first withdrawal. Verification is generally required only once, unless a periodic data refresh is needed.
Fees
In the EU (XTB Europe), withdrawals above €100 are free.
Below €100, a small fee (usually around €10) may apply.
In some regions, XTB offers completely free withdrawals regardless of the amount.
XTB Banned Countries
XTB does not accept clients from the following countries:
India, Pakistan, Syria, Iraq, Iran, United States, Australia, Albania, American Samoa, Aruba, Bhutan, Barbados, Belarus, Belize, Belgium, Cayman Islands, Hong Kong, Israel, Jamaica, Japan, Kosovo, Mali, Mongolia, Montserrat, Myanmar, New Zealand, Nicaragua, Norfolk Island, Northern Mariana Islands,
Russia, Somalia, South Korea, South Sudan, Sudan, Taiwan, Turkey, Venezuela, Bosnia and Herzegovina, Ethiopia, Uganda, Cuba, Yemen, Afghanistan, Laos, North Korea, Gibraltar, Guyana, Vanuatu, Mozambique, Republic of the Congo, Libya, Macao, Panama, Singapore, Bangladesh, Kenya, Palestine, and Zimbabwe.
Client acceptance depends on residency and the relevant XTB entity:
XTB Ltd (UK) - FCA regulated. Accepts only UK residents.
XTB Cyprus (EU) - CySEC regulated. Accepts residents of the EU.
XTB International - Accepts non-EU/UK residents (availability varies by country).
XTB MENA Limited - Accepts residents of the MENA region.
XTB FR (France branch) - Accepts Canadian residents only.
Steps to Open an Acoount
Steps to Open an XTB Account
Register Online - Fill in basic details and select account preferences
Verify Your Identity - Upload photo ID and proof of residence
Fund Your Account - Use bank transfer, card, or e-wallet
Start Trading - Access the xStation platform or mobile app
XTB FAQs
Is XTB Regulated?
Yes, XTB is regulated by the Cyprus Securities and Exchange Commission (CySEC), the Polish Financial Supervision Authority (KNF), and the UK Financial Conduct Authority (FCA).
What is XTB’s Minimum Deposit?
There is no minimum deposit requirement.
Where is XTB’s Headquarters?
XTB’s headquarters are in Warsaw, Poland, with additional regulated offices in Cyprus, the UK, Dubai (DFSA), and Belize (International).
What is XTB Base Trading Currency?
EU/UK clients can choose from EUR, USD, GBP, HUF, and PLN. XTB International generally offers USD as the base currency.
XTB Europe/UK versus XTB International
Stocks & ETFS - Your capital is at risk. The value of your investments may go up or down.
Only interest rate - Your capital is at risk. XTB Ltd. is a global fintech, not a bank. Deposits should be made for investment purposes only. T&Cs apply.
Past data & charts - Past performance is not a reliable indicator of future results'
0% Commission - *For monthly turnover equivalent up to 100,000 EUR. Transactions above this limit will be charged a commission of 0.2% (minimum 10 GBP).
ISA - Your capital is at risk. The value of your investments may go up or down. Tax treatment depends on your individual circumstances and ISA regulations which may change.
CFDs - CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Only interest rate - Your capital is at risk. XTB Ltd. is a global fintech, not a bank. Deposits should be made for investment purposes only. T&Cs apply.
Past data & charts - Past performance is not a reliable indicator of future results'
0% Commission - *For monthly turnover equivalent up to 100,000 EUR. Transactions above this limit will be charged a commission of 0.2% (minimum 10 GBP).
ISA - Your capital is at risk. The value of your investments may go up or down. Tax treatment depends on your individual circumstances and ISA regulations which may change.
CFDs - CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
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