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XTB Review
Overall rating
4.8/5
Minimum deposit
$0
EUR/USD spread
0 pips
Use this review to validate safety, fees, platform fit, and where this broker falls short.
Written by
Sophie Laurent
Fact Checked by
Lisa Martinez
Updated
Jun 13, 2026
Is XTB a good broker?
Sources & References
- XTB Real Account— XTB
- BrokerAnalysis ranking methodology— BrokerAnalysis
- BrokerAnalysis data sources— BrokerAnalysis
- BrokerAnalysis editorial policy— BrokerAnalysis
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Should you choose XTB?
Use this short answer before you dive into the full review.
Best for
xStation 5
Not ideal for
MT4 no longer offered to new clients
Top alternatives to compare
Why Trust BrokerAnalysis?
We test brokers with real money. Our reviews are based on data, not payments. Learn more
Trust Score: 96/100
Based on regulatory status, company history, and financial transparency
XTB Score Breakdown
- Proprietary xStation 5 platform
- Listed on Warsaw Stock Exchange
- 5,000+ instruments
- New: Options trading (2026)
- Spot Crypto expansion
Founded
2002
Headquarters
Warsaw, Poland
Stock Symbol
XTB
Clients
1+ Million
Why choose XTB
XTB is one of the largest stock exchange-listed FX & CFD brokers in the world. Known for its exceptional xStation 5 platform, it continues to innovate in 2026 with new crypto and options offerings.
Pros
- Publicly traded & transparent
- Superb user experience
- 0% commission on real stocks (EU)
- Fast execution
Cons
- MT4 no longer offered to new clients
XTB
Fast decision summary
Popular choice
Min Deposit: | $0 |
Regulated: | No |
Inactivity Fee:
No inactivity fee is published in our current broker dataset.
See how the best brokers compare to XTB
XTB offers very competitive spreads starting from 0.5 pips on Standard accounts with no commission.
| Instrument | Standard | Raw/Pro |
|---|---|---|
| EUR/USD | 0.8 pips | N/A |
| GBP/USD | 1.1 pips | N/A |
| DAX40 | 0.9 pts | N/A |
| Gold | 0.30 | N/A |
Inactivity Fee
€10/month after 1 year
Withdrawal Fee
Free above threshold ($50-$100)
Non-trading fees
Inactivity fee
No inactivity fee is published in our current broker dataset.
Fees may vary depending on account type and jurisdiction. We aim to keep this data updated regularly.
A highly secure broker, publicly listed and regulated by multiple top-tier agencies including FCA, KNF and CySEC.
Regulatory Status
| Regulator | Country | Tier | License |
|---|---|---|---|
| Financial Conduct Authority (FCA) | UK | Tier-1 | 522157 |
| KNF | Poland | Tier-1 | DDM-M-4021-57-1/2005 |
| CySEC | Cyprus | Tier-1 | 169/12 |
| FSC | Belize | Tier-3 | 000302/438 |
Safety Features
| Segregated Accounts | Yes |
| Negative Balance Protection | Yes |
| Investor Protection | FSCS (UK), ICF (Cyprus) |
| Compensation Scheme | FSCS / KDPW |
Compare XTB with top alternatives
Use the side-by-side comparison tool once you have checked fees and safety.
Fast and mostly free deposits. Withdrawals are quick but small withdrawals may incur a fee.
Deposit Options
| Method | Processing Time | Fee | Min. Deposit |
|---|---|---|---|
| Credit/Debit Card | Instant | Free | $0 |
| Bank Wire | 1-3 days | Free | $0 |
| PayPal/Skrill | Instant | Free (varies) | $0 |
Withdrawal Options
| Method | Processing Time | Fee | Min. Withdrawal |
|---|---|---|---|
| Bank Wire | 1 business day | Free (> $100) | $0 |
Base Currencies
USD, EUR, GBP
Digital and fast. usually no minimum deposit required.
Account Types
| Account Type | Min. Deposit | Key Features |
|---|---|---|
| Standard | $0 |
|
| Swap Free | $0 |
|
xStation Mobile is one of the best designed trading apps in the industry.
App Features
- Chart Trading
- Market Sentiment
- Breaking News
- Performance Statistics
xStation 5 is a powerful web-based platform that rivals desktop applications.
Supported Platforms
- xStation 5: Award-winning proprietary web platform.
XTB offers 5,000+ instruments including 3,000+ real stocks and ETFs (EU), 57 forex pairs, 50 cryptocurrencies, indices, and commodities. 0% commission on real stocks for monthly turnover up to €100,000. Investment Plans for automated investing. Real stock ownership (not CFDs) available for EU clients.
Available Instruments
| Forex Pairs | 57 |
| Indices | 35 |
| Stocks | 3000 |
| Commodities | 25 |
| Cryptos | 50 |
| ETFs | 300 |
Leverage Limits
| Instrument | Max Leverage |
|---|---|
| Forex | 30:1 (retail) |
| Indices | 20:1 (retail) |
| Stocks | 5:1 (retail) |
| Crypto | 2:1 |
Got Questions?
Engage with our growing community of traders and investors like you to find your answers.
Frequently Asked Questions
Review Team
Why Traders Shortlist XTB
Key points from our latest editorial review and testing process.
- Proprietary xStation 5 platform
- Listed on Warsaw Stock Exchange
- 5,000+ instruments
- New: Options trading (2026)
Compare XTB before you commit
If this broker looks close but not perfect, compare it against the strongest alternatives first.
Compare AlternativesWhy this review is trustworthy
- Freshness dates and fact-checking are shown on the page.
- Broker scoring follows our public methodology and disclosure standards.
- Country-specific differences still matter, so compare the exact entity before you deposit.
Related Comparisons
Our Verdict
XTB is recommended for xStation 5
Use this final check alongside the fee, safety, platform, and funding sections above. If XTB still fits your country, account size, and risk tolerance, open the account through the tracked broker route below.
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Risk Warning: Forex/CFD trading involves significant risk. 68-80% of retail accounts lose money.|Affiliate Disclosure: We may earn commissions from listed partners.|Not Advice: For educational purposes only.
Broker terms can differ by region and entity, but this review shows the most recent figures captured in our research workflow.Methodology |Editorial Policy |Data Sources |Full Disclaimer