XTB is a global forex and CFD broker founded in 2002 and headquartered in Warsaw, Poland. It provides online trading and investment services to clients worldwide, offering access to multiple financial markets such as forex, indices, commodities, stocks, ETFs, and cryptocurrencies.
The broker operates as a publicly listed company on the Warsaw Stock Exchange and serves over 1 million clients across more than 10 countries.
XTB offers its proprietary trading platform, along with advanced tools, market analysis, and educational resources designed for both beginners and experienced traders. It is known for providing commission-free trading on stocks and ETFs (up to certain limits) and a user-friendly trading experience.
The company is regulated by multiple financial authorities, including the Financial Conduct Authority (FCA), the Cyprus Securities and Exchange Commission (CySEC), and the Polish Financial Supervision Authority (KNF), ensuring a high level of credibility and compliance.
| Founded: |
2002 |
| Regulation |
CySEC |
| Trading Instruments |
Forex, Indices, Energy |
| Minimum Deposit |
$1 |
| Funding Methods: |
Credit/Debit Cards, Bank Transfers |
| Max Leverage: |
1:500 |
| Account Currencies |
USD, EUR, GBP |
| Trading Platforms: |
MT4, xStation5 |
Fees, Spreads, and Commissions
XTB offers a transparent and competitive pricing structure. It mainly uses spreads instead of commissions for most trades.
Standard accounts do not charge commissions on forex and CFD trading. Trading costs are included in spreads.
Spreads are floating and depend on market conditions. They can start from around 0.5 pips on major forex pairs.
On average, EUR/USD spreads are around 0.8–1.0 pips during normal market conditions.
XTB also offers Pro accounts. These accounts provide tighter spreads but charge a commission per trade.
For stock and ETF trading, XTB offers 0% commission up to €100,000 monthly volume. After that, a 0.2% fee applies with a minimum charge.
A currency conversion fee of around 0.5% may apply when trading in a different currency.
Swap (overnight) fees apply to positions held beyond one day. These vary depending on the instrument.
XTB may also charge an inactivity fee of €10 per month after long periods of no trading activity.
Deposits and Withdrawals
XTB offers a simple and efficient deposit and withdrawal system. It supports bank transfers, cards, and e-wallets.
Deposits are usually fast. Card and e-wallet deposits are instant, while bank transfers may take a few days.
XTB does not charge fees for most deposits. However, some e-wallets like Skrill (2%) and Neteller (1%) may include charges.
There is no minimum deposit requirement. Traders can start with any amount.
Withdrawals are processed quickly. Most requests are handled within one business day.
If requested early, withdrawals may be processed on the same day. Otherwise, they are processed the next working day.
Withdrawals above $50 are usually free. Smaller withdrawals may include a fee of around $30.
Funds are sent only to accounts in the trader’s name. This ensures secure transactions and follows compliance rules.
Bank transfers may take 1–5 business days to reach the account. Timing depends on the bank and region.
Minimum Deposit and Account Types
XTB offers a flexible account structure for different traders. It supports both beginners and experienced users.
The broker does not set a strict minimum deposit. Traders can start with any amount, depending on their strategy.
XTB mainly offers two account types. These include the Standard account and the Professional account.
The Standard account is the most common option. It provides commission-free trading on forex and CFDs, with costs included in spreads.
The Professional account offers tighter spreads. However, it charges a commission per trade and is designed for experienced traders.
XTB also offers a demo account. Traders can practice strategies using virtual funds without any risk.
For stock and ETF trading, XTB provides direct access with 0% commission up to a certain monthly volume.
Global Regulation
XTB operates under a strong multi-regulatory framework. It is supervised by several top-tier financial authorities worldwide.
The broker is regulated by the Financial Conduct Authority (FCA) in the United Kingdom. This is one of the most trusted regulators.
XTB is also regulated by the Polish Financial Supervision Authority (KNF). This is its primary regulator in Poland.
In Europe, the broker operates under the Cyprus Securities and Exchange Commission (CySEC). This allows it to serve clients across the EU.
For international clients, XTB uses offshore entities. These are regulated by authorities such as the Financial Services Commission (FSC) in Belize.
XTB follows strict compliance rules under these regulators. These include client fund protection and financial reporting standards.
Regulation depends on the entity where the account is registered. Protection levels may vary by region.
Safety Beyond the Trade
XTB applies strong safety measures to protect client funds and data. It focuses on security beyond trading.
The broker keeps client funds in segregated accounts. This ensures funds remain separate from company operations.
XTB offers negative balance protection. Traders cannot lose more than their deposited amount.
The platform uses advanced encryption and secure servers. These systems protect personal and financial data.
XTB also follows strict KYC and AML procedures. These checks help prevent fraud and unauthorized activity.
As a regulated broker, XTB must follow strict financial standards. This adds an extra layer of client protection.
In some regions, traders may receive coverage under investor compensation schemes. Coverage depends on the regulatory entity.
Trading Platforms and Tools
XTB offers its proprietary trading platform called xStation. It provides a fast and user-friendly trading experience.
The platform is available on web, desktop, and mobile devices. Traders can access markets anytime and anywhere.
xStation includes advanced charting tools and technical indicators. It also provides real-time market data and fast execution.
Traders can place multiple order types, including market, limit, stop-loss, and take-profit orders.
The platform includes built-in features like market news, economic calendar, and trading calculators. These tools help traders make better decisions.
XTB also provides performance statistics and sentiment analysis. These features help users track and improve their trading strategies.
The interface is simple and easy to use. It suits both beginners and experienced traders.
Customer Support
XTB provides customer support through multiple channels. Traders can contact the team via live chat, email, and phone.
Support is available 24/5 during trading days. This ensures help is available when markets are active.
The broker offers multilingual support. It serves clients in more than 18–20 languages worldwide.
Live chat is the fastest option. In many cases, responses are provided within minutes.
Email support usually replies within 24 hours. More complex issues may take longer to resolve.
Traders can also contact support directly through the trading platform or client panel. This makes communication faster and more secure.
XTB also provides a detailed help center. Users can find answers to common questions without contacting support.
