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XTB Review

FCA

Overall rating

4.8/5

Minimum deposit

$0

EUR/USD spread

0.8 pips (Standard)

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Use this review to validate safety, fees, platform fit, and where this broker falls short.

BrokerAnalysis Research Desk

Written by

BrokerAnalysis Research Desk
BrokerAnalysis Editorial Team

Fact Checked by

BrokerAnalysis Editorial Team

Updated

Jul 21, 2026
Broker review header
Last reviewed:
•
By:BrokerAnalysis Research Desk
•
Fact-checked by:BrokerAnalysis Editorial Team
Last verified: Jul 2026

Is XTB a good broker?

XTB is a FCA-regulated broker rated 4.8/5. Published EUR/USD pricing is listed at 0.8 pips (Standard) with a minimum deposit of $0. XTB is one of the largest stock exchange-listed FX & CFD brokers in the world.

Sources & References

  1. — XTB
  2. — BrokerAnalysis
  3. — BrokerAnalysis
  4. — BrokerAnalysis

Should you choose XTB?

Use this short answer before you dive into the full review.

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Best for

xStation 5

Not ideal for

MT4 no longer offered to new clients

Top alternatives to compare

IGAdmiral Markets

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96

Trust Score: 96/100

Based on regulatory status, company history, and financial transparency

XTB Score Breakdown

9.5/ 10
Safety9.6Fees9.8Platform9.7Account9.4Support9.2
Safety
9.6
Fees
9.8
Platform
9.7
Account
9.4
Support
9.2
  • 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 logo

XTB

Fast decision summary

Min Deposit:

$0

Regulated:

Yes

Inactivity Fee:

Inactivity fee applies after 12 months without trading (approx. EUR 10/month, entity-dependent); stops automatically once you trade again.

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XTB offers very competitive spreads starting from 0.5 pips on Standard accounts with no commission.

InstrumentStandardRaw/Pro
EUR/USD0.8 pipsNot Offered
GBP/USD1.1 pipsNot Offered
DAX400.9 ptsNot Offered
Gold0.30Not Offered

Inactivity Fee

€10/month after 1 year

Withdrawal Fee

Free above threshold ($50-$100)

Non-trading fees

Inactivity fee

Inactivity fee applies after 12 months without trading (approx. EUR 10/month, entity-dependent); stops automatically once you trade again.

Fees and conditions last verified: July 2026.

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

RegulatorCountryTierLicense
Financial Conduct Authority (FCA)UKTier-1522157
KNFPolandTier-1DDM-M-4021-57-1/2005
CySECCyprusTier-1169/12
FSCBelizeTier-3000302/438

Safety Features

Segregated AccountsYes
Negative Balance ProtectionYes
Investor ProtectionFSCS (UK), ICF (Cyprus)
Compensation SchemeFSCS / KDPW

Is regulated?

Yes, heavily regulated.

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Fast and mostly free deposits. Withdrawals are quick but small withdrawals may incur a fee.

Deposit Options

MethodProcessing TimeFeeMin. Deposit
Credit/Debit CardInstantFree$0
Bank Wire1-3 daysFree$0
PayPal/SkrillInstantFree (varies)$0

Withdrawal Options

MethodProcessing TimeFeeMin. Withdrawal
Bank Wire1 business dayFree (> $100)$0

Base Currencies

USD, EUR, GBP

Digital and fast. usually no minimum deposit required.

Account Types

Account TypeMin. DepositKey Features
Standard$0
  • • Commission-free FX
  • • Market Execution
Swap Free$0
  • • Islamic friendly
  • • Higher spreads

Verification Steps

  • Time to open: Same Day
  • Demo Account: Yes
  • Islamic Account: Yes
Open XTB Account

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 Pairs57
Indices35
Stocks3000
Commodities25
Cryptos50
ETFs300

Leverage Limits

InstrumentMax Leverage
Forex30:1 (retail)
Indices20:1 (retail)
Stocks5:1 (retail)
Crypto2:1
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Frequently Asked Questions

Yes, XTB is one of the safest brokers. Listed on the Warsaw Stock Exchange, regulated by FCA (UK), KNF (Poland), and CySEC (Cyprus). Operating since 2002 with over 1 million clients. Client funds held in segregated accounts with investor protection up to €20,000 (ICF) or £85,000 (FSCS).
XTB has no minimum deposit requirement. You can open an account and start trading with any amount. This makes it very accessible for beginners.
XTB offers 0% commission on real stocks and ETFs for monthly turnover up to €100,000 (EU clients). CFD trading has competitive spreads with no commission. Small withdrawal fee may apply.
xStation 5 is XTB's award-winning proprietary trading platform featuring modern design, heatmaps, market sentiment indicators, stock screener, and performance analytics. Available on web and mobile.
XTB no longer offers MetaTrader to new clients. xStation 5 is the primary platform. Existing MT4 clients may continue using it, but new accounts are on xStation 5 only.
Yes, XTB offers real stock and ETF ownership (not just CFDs) for EU clients across major exchanges. 0% commission applies for monthly turnover up to €100,000. Investment Plans available for automated investing.
XTB charges an inactivity fee of €10/month after 12 months of no trading. Small withdrawal fee for amounts under €100. No deposit fees. 0% commission on real stocks (EU). Spreads from 0.8 pips on EUR/USD.
Yes, XTB offers 50+ cryptocurrencies including Bitcoin, Ethereum, and many altcoins. Crypto CFDs are available. XTB has been expanding its crypto offerings in recent years.
Yes, XTB offers a free demo account with unlimited virtual funds. The demo provides full access to xStation 5 features and mirrors live market conditions.
Retail clients: Up to 30:1 on forex, 20:1 on indices, 5:1 on stocks, 2:1 on crypto (per ESMA regulations). Professional clients may access higher leverage.

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)
See How We Test Brokers

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Why 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.
Review Methodology

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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