XTB Review 2026

Highlights of XTB

Spread fromEURUSD0.5pips

Trading Assets

Forex Precious Metals Energy Carriers Soft Commodities Indices Stocks ETF Bonds Cryptocurrency

Trading Platforms

xStation

4.2/5

More DetailsRegister69-80% of retail investors lose money when trading CFDs with this broker

About XTB

Founded in 2001

Countries of registration:

Regulators:

BFSCKNFAMFACPRFCACNMVDFSABaFin

4.2/5

More Details

Register69-80% of retail investors lose money when trading CFDs with this broker

Countries of registration:

Regulators:

BFSCKNFAMFACPRFCACNMVDFSABaFin

Trading Assets

Forex Precious Metals Energy Carriers Soft Commodities Indices Stocks ETF Bonds Cryptocurrency

Trading Platforms

xStation

compare XTB trading accounts

XTB is a highly regulated global broker with licenses from leading authorities such as the FCA, CNMV, and DFSA. This ensures XTB's high reliability and transparency.

The broker offers a wide range of trading products, including currencies, indices, commodities, stocks, and cryptocurrencies, making it an attractive choice for traders of various levels and interests. Convenient account funding options and advanced analytical support highlight its competitiveness.

Pros and Cons of XTB

XTB reviews

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XTB Broker Overview

X-Trade Brokers positions itself as a global leader in CFD and forex trading. In describing its activities, the broker emphasizes a deep commitment to clients' long-term results.

X-Trade Brokers has been in existence for over 20 years. The foundation year and the start of operations on the site are not indicated; however, in the company's history, the first significant events date back to 2002. There are several branches in different European countries.

Mentions of the company most often occur under the name XTB Online Trading, which is not so much an abbreviation of the full name as the official one. It was renamed in 2009.

Trading is conducted on a DD model – without access to interbank deals.

XTB Review Summary

Our ratings of XTB are based on a detailed methodology that considers over 200 criteria in various categories, including licensing and regulation, educational materials, available platforms, support services, etc. You can find more detailed information on how we evaluate brokers on our methodology page. Continue reading the review for more detailed information about XTB.

The following organizations regulate the company's activities:

Legal Entity	Regulator
XTB International Limited XTB International Limited	BFSC BFSC
XTB S.A. XTB S.A.	KNF KNF AMF AMF ACPR ACPR
XTB Limited XTB Limited	FCA FCA
XTB Sucursal XTB Sucursal	CNMV CNMV
XTB MENA Limited XTB MENA Limited	DFSA DFSA
XTB S.A. German Branch XTB S.A. German Branch	BaFin BaFin

XTB International Limited is regulated by the Financial Services Commission in Belize. Although Belize is a well-known jurisdictional center for many financial institutions, its regulatory standards may be less stringent than in other jurisdictions, such as the UK or the USA.

At the same time, other companies within the XTB group are regulated by several authoritative bodies, including the Polish Financial Supervision Authority (KNF), the UK's Financial Conduct Authority (FCA), and the Spanish National Securities Market Commission (CNMV). This indicates a high degree of regulation and reliability, as these organizations are known for their strict standards and transparency requirements.

The account opening process with XTB broker is generally straightforward. It includes standard registration steps such as providing personal information and verifying it with documents. This is good practice as it helps ensure the broker complies with all KYC (Know Your Customer) and AML (Anti-Money Laundering) requirements.

However, the verification process may take some time, which can delay the ability to start trading.

Registration

On the website, in the top right corner, there are two buttons:

• Try a Demo – to open and test a demo account.
• Create Account – to directly register on the website and trade with real money.

To open an account, you need to select the second option.

The registration itself does not obligate you to anything. However, the broker will require quite a bit of personal information. Initially, the system only asks for an email and country of residence:

And then a little more information about the client. It is necessary to provide personal details that fully correspond to reality and what is written in the passport; otherwise, there may be problems with fund withdrawal. You will need to specify:

• Full name;
• Gender;
• Phone number;
• Date of birth;
• Country of citizenship;
• Annual income;
• Amount planned to invest over the year;
• Source of income and savings.

The next page opens with a request for some additional client information. Here, the entire residential address must be specified.

The following steps involve more specifics about the account and future trading. It is necessary to select the currency of the trading account (currently, only USD is available) and the preferred language of communication with the client.

The following page contains agreements where one must confirm and agree to the company's rules on risks and trading.

After filling in all fields and pages, the client gains access to the xStation trading terminal. At the same time, a registration confirmation email will be sent with a password and login details.

Verification

To activate your trading account, you must verify your phone number and upload scans of documents confirming the information provided during registration.

Thus, a client cannot start actual trading immediately: they first need to verify their identity and many details, including their address, and only after document verification will they be able to operate in the financial market.

Minimum Deposit

XTB offers a flexible approach to opening a trading account, not setting a specific minimum deposit. Thus, you can begin trading with any amount that suits you.

However, it should be noted that the minimum transaction volume and the corresponding minimum margin deposit may limit your opportunities for trading specific instruments. Therefore, even with a small initial deposit, it is essential to ensure that it allows you to carry out trading operations considering the trading parameters of the selected instrument.

XTB offers account options that meet the needs of most retail and professional traders. The broker focuses on simplicity by providing a universal Standard account suitable for various trading strategies, as well as an Islamic (Swap-Free) account for traders who follow Sharia principles.

A key advantage of XTB is the availability of an Investment account designed for long-term investors who want direct access to real stocks and ETFs - not CFDs. This greatly expands the broker’s offering beyond short-term trading and makes XTB attractive for users seeking a diversified approach combining active CFD trading and portfolio investing.

Trading Accounts

Broker XTB offers the following trading conditions:

A trader can receive rebates (cashback) for trading large volumes when opening a Standard account. To receive cashback, one must complete verification, contact their manager, or write to sales_int@xtb.com.

Investment Account

XTB provides a dedicated Investment account that allows clients to invest in real stocks and ETFs from global markets. This account type is suitable for long-term investors who prioritize low costs, transparent pricing, and a user-friendly investment platform.

Below are the investment conditions based on XTB’s official offering:

Demo Account

To open a demo account, select the 'Demo' button in the upper right corner instead of 'Create Account.'

A training account will be linked if you have already registered a real account. If these accounts aren't interconnected, you should create a demo with a separate email address.

The registration requirements for a training account are significantly lower: just a few fields, and you can trade.

The company does not specify any special requirements or restrictions for using a demo account.

Islamic Account

XTB offers the possibility of opening an Islamic (Swap-free) account, which fully complies with Sharia principles and is particularly suitable for traders from Muslim countries. This type of account is offered within XTB International. It is available to clients from certain countries, such as UAE, Saudi Arabia, Kuwait, Oman, Qatar, Jordan, Bahrain, Lebanon, Egypt, Algeria, Morocco, Tunisia, and Malaysia.

On the Islamic account, clients can access over 1500 assets, including currency pairs, cryptocurrencies, indices, commodities, and ETFs, all without interest and swaps.

XTB’s overall fee structure is transparent and competitive. Trading commissions and spreads are in line with the market average, and costs can be further reduced through the broker’s loyalty program (CashBack).

The broker charges an inactivity fee, and a withdrawal fee applies only if the withdrawal amount is below $50. Withdrawals over $50 remain free.

Trading Commissions

Trading Commissions are only charged on the Swap Free account - $10 per lot (except for CFDs on stocks and ETFs).

On the standard account, trading costs are only spreads and swaps. Spreads and swaps are considered average for the market.

Below is a table of average spreads and swaps for major currency pairs on the Standard account.

Investment Commissions (Stocks & ETFs)

In addition to CFD trading, XTB provides commission-free investing in real stocks and ETFs up to a monthly turnover limit. This makes XTB a competitive option for long-term investors.

This pricing structure is attractive for investors building diversified portfolios with low ongoing costs.

Deposit and Withdrawal Fees

Deposit Fee is only charged when using an e-wallet (for more details, see the "Deposit and Withdrawal" section).

XTB charges a $30 withdrawal fee for bank transfers if the withdrawal amount exceeds $50. No fee will be charged if the withdrawal amount is over $50.

Inactivity Fee

If there has been no position opening or closing on the client's account in the last 365 days and no funds have been deposited in the previous 90 days, a fee of €10 is charged. In the event of insufficient funds, a payment equal to the remaining free funds on the client's account is charged. Before the fee is set, the amount is converted into the account currency.

CashBack

XTB has implemented a unique rewards system for its traders, known as CashBack or a loyalty program. This program is unique because it is individually tailored to each trader, optimizing the reward amount based on their trading activity.

Your manager agrees upon the maximum cashback you can earn in one month. Cashback is automatically credited to your account at the end of each month.

XTB offers diverse account funding options, including bank transfers, payment cards, and electronic wallets. A significant advantage is the absence of a broker commission for depositing and withdrawing funds (for amounts over $50). However, the lack of other withdrawal methods besides bank transfer and a commission for withdrawing amounts less than $50 reduces the overall rating.

Account Funding Methods

Depositing and withdrawing money is done through the "Deposits" section of the personal account.

The following options are available for depositing funds:

Payment System	Currencies	Deposit Fee	Operation Limit
Neteller	USD	1%	—
Skrill	USD	2%	—
PaySafeCard	USD	1.5%	—
Bank Transfer	USD	0%	—
Visa	USD	0%	—
Mastercard	USD	0%	—
Maestro	USD	0%	—

Money is deposited without a broker commission.

Withdrawal Methods

The following method is available for withdrawal:

Payment System	Currencies	Withdrawal Fee	Operation Limit
Bank Transfer	USD	0%	—

The forex broker does not charge a withdrawal fee if the withdrawal amount exceeds $50. Otherwise, the fee is $30.

The processing time for a withdrawal request is 1 business day.

XTB offers an extensive selection of markets and products for trading. Additionally, traders have the option to choose different levels of leverage depending on the market they select. Such a diverse selection makes XTB attractive to traders of various levels with varying interests in trading.

Which markets are available?

Traders have the following CFD options available:

Margin Requirements

The maximum leverage depends on the type of instrument the trader is trading with XTB.

XTB offers its proprietary trading platform, xStation 5, which is highly functional and offers many analysis tools. The platform has a mobile version, which is convenient for those who trade on the go. However, the lack of choice between trading platforms may limit some users.

xStation 5

Clients can trade using the xStation 5 terminal. In addition, a mobile version of this platform is available for Android devices.

The company has done well in platform development: all terminals have user-friendly charts suitable for everyone.

Thus, they publish news in real time.

The trading platform offers both market and pending orders.

The terminal can be customized: the size and position of the chart can be changed, different tabs can be opened, and the positions of the trading terminal can be altered.

Orders can be placed directly on the chart. For technical analysis, all types of graphical tools are available (trend lines, Fibonacci levels, Andrews' pitchfork, etc.) and many indicators.

The following analytical tools are also available in the trading terminal tabs:

• economic calendar;
• financial market news;
• stock screener;
• ETF scanner;
• currency pair heat map;
• knowledge base in the form of video tutorials.

Overall, xStation 5 is a convenient and well-thought-out trading platform. It is indeed very comfortable to trade on the Forex market with it.

XTB provides a full suite of market analysis tools. The company actively uses its xStation 5 platform to provide these tools.

What analytical materials are available?

The broker offers traders the opportunity to receive analytics and learn trading. As for forecasting, it is available to everyone: any site visitor can use it. The analytics section includes:

1. News feed.
2. Forecasts from company analysts.
3. Current rates (quotes).
4. Choice of a forecast for a specific country/trading instrument.
5. Subsection with economic calendar and trading schedule.

Also, remember the analytical tools we reviewed in the xStation 5 trading platform.

XTB does not offer a wide range of educational materials, such as webinars, detailed video tutorials, podcasts, or in-depth articles. This may be a disadvantage for new traders seeking clear and understandable training.

What educational materials are available?

XTB is not the best Forex broker for educational training. The only educational material available to traders is the "Knowledge Base." These are the basics that every trader needs. It is tough to call this training, although the company has placed this information in such a section. It mainly contains instructions on opening and closing trades, the basics of technical and fundamental analysis, etc.

XTB's customer support demonstrates good efficiency overall. The company provides several communication channels, including phone and email, available 24/5.

Operating Hours

XTB support operates 24/5.

How to contact support?

You can contact the broker and ask questions in several ways. For instance, you can use the phone numbers on the website or write an email.

• +357 257 25356 - for questions about opening a trading account
• +48 222 739 976 - technical support 24/5
• sales_int@xtb.com

You can also use the online chat, although it is not always operational and does not adhere to any schedule. However, if you leave your email, you will receive a response via email.

XTB Alternatives

Looking for XTB alternatives? Compare key features of XTB against its competitors.

Broker	Forex4you	TeleTrade	XTB	Dukascopy Europe	Orbex
Rating	3.8/5	3.6/5	4.2/5	3.8/5	3.6/5
Minimum deposit	1 USD 1 EUR	1 USD	1 USD	100 USD	100 USD
Spread	from 0.1 points	from 0 points	from 0.5 points	from 0.1 points	from 0 points
Trading platforms	MetaTrader 4 MetaTrader 5 Forex4you	MetaTrader 4 MetaTrader 5	xStation	MetaTrader 4 JForex	MetaTrader 4 MetaTrader 5
Reviews	Forex4you review	TeleTrade review		Dukascopy Europe review	Orbex review
Broker comparison	XTB vs Forex4you	XTB vs TeleTrade		XTB vs Dukascopy Europe	XTB vs Orbex

If you want to compare XTB with other forex brokers in more detail, go to the Forex Brokers Comparison page.

Conclusion

XTB is a highly regulated broker with licenses from leading bodies such as the FCA, reinforcing its reliability and transparency. This broker offers a wide range of trading products, including currencies, indices, commodities, stocks, and cryptocurrencies, making it a flexible choice for traders of different levels and interests. Various deposit options and advanced analytical support further enhance its appeal against competitors.

XTB suits traders who value regulation and security, those looking for various trading tools, and those who want access to extensive analytical resources. The broker will especially suit active traders who maximize low spreads and product diversity.

FAQ

Is XTB legit?

Yes, XTB is a legitimate broker. It is highly regulated with licenses from several leading authorities, including the BFSC (Belize Financial Services Commission), KNF (Polish Financial Supervision Authority), AMF (Autorité des marchés financiers) and ACPR (Autorité de contrôle prudentiel et de résolution) in France, FCA (Financial Conduct Authority) in the UK, CNMV (Comisión Nacional del Mercado de Valores) in Spain, and DFSA (Dubai Financial Services Authority).

Which country is XTB from?

XTB was founded in Poland and is headquartered in Warsaw. It operates globally and has offices in several countries.

Is XTB an ECN broker?

No, XTB is not an ECN broker. It operates as a market maker.

How does XTB make money?

XTB makes money primarily through the spreads on trades. It may also earn revenue from commissions on certain types of accounts and instruments, as well as from overnight swap fees.

Is XTB good for beginners?

Yes, XTB is good for beginners. It offers a user-friendly platform and excellent customer support to help new traders get started.

Does XTB offer a demo account?

Yes, XTB offers a demo account that allows traders to practice and familiarize themselves with the platform without risking real money.

How can I open an account with XTB?

To open an account with XTB, you need to visit their website, complete the online registration form, provide the necessary identification documents, and go through the verification process.

How can I delete my XTB account?

To delete your XTB account, you need to contact their customer support team and request an account closure. They will guide you through the necessary steps to close your account.

What is the minimum deposit for XTB?

XTB does not have any specific minimum deposit requirements. You can start trading with any amount you are comfortable with.

What is the maximum leverage on XTB?

The maximum leverage offered by XTB varies depending on the instrument and the regulatory requirements of the region. Generally, it can go up to 1:500 for professional clients and 1:30 for retail clients under ESMA regulations.

How do I deposit funds in an XTB account?

You can deposit funds in an XTB account using various methods, including bank transfers, credit/debit cards, and electronic payment systems like Neteller and Skrill.

How do I withdraw money from XTB?

To withdraw money from XTB, you need to log in to your account, navigate to the withdrawal section, choose your preferred withdrawal method, and follow the instructions provided.

Does XTB provide VPS?

No, XTB does not provide VPS (Virtual Private Server) services directly. However, clients can use third-party VPS providers to enhance their trading experience.

Is XTB suitable for scalping?

Yes, XTB is suitable for scalping. The broker allows scalping strategies and provides the necessary tools and conditions to execute such trades effectively.

Is XTB suitable for auto-trading?

Yes, XTB is suitable for auto-trading. It supports platforms like MetaTrader 4 and its proprietary xStation, both of which allow for automated trading strategies.

Is XTB suitable for hedging?

Yes, XTB allows hedging strategies. Traders can open long and short positions on the same instrument to hedge their trades.

Is XTB suitable for spread betting?

No, XTB does not offer spread betting. It provides trading in CFDs (Contracts for Difference) across various asset classes.