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XTB Review
Overall rating
4.8/5
Minimum deposit
$0
EUR/USD spread
Min. 0.5 pips
Use this review to validate safety, fees, platform fit, and where this broker falls short.
Written by
BrokerAnalysis Research Desk
Fact Checked by
BrokerAnalysis Editorial Team
Updated
Jul 21, 2026
Is XTB a good broker?
Sources & References
- XTB Real Account— XTB
- BrokerAnalysis ranking methodology— BrokerAnalysis
- BrokerAnalysis data sources— BrokerAnalysis
- BrokerAnalysis editorial policy— BrokerAnalysis
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 verify licences against regulator registers and fees against official broker documents. 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
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.
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 | Not Offered |
| GBP/USD | 1.1 pips | Not Offered |
| DAX40 | 0.9 pts | Not Offered |
| Gold | 0.30 | Not 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
| 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 |
Where XTB traders are
Top countries by third-party audience activity (Influence score, 0–10 scale). Overall grade: A.
- Poland9.39
- Czech Republic8.63
- Portugal8.53
- Germany8.44
- Romania8.38
- Spain8.34
- Slovakia8.32
- France8.30
- United States8.14
Source: WikiFX Business Region data, captured October 2026. Scores are WikiFX's proprietary 0–10 blend of audience, complaint volume and search demand — not market share. We exclude the Philippines auto-pin from every chart.
Beware of imposter sites claiming to be XTB
Third-party monitors list these unverified look-alike brands as copies of XTB. Check the address bar against the official site, or use the link on this page, before you enter any details.
- Fake XTBClone Firm
- CryptoFX DigitalUnverified
- ServexusUnverified
Source: WikiFX clone-firm research, October 2026. Imposter lists change over time — the names above are a sample, not an exhaustive list.
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
Explore XTB
Our Verdict
XTB is recommended for xStation 5
xStation 5
MT4 no longer offered to new clients
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.
Get notified if XTB's terms change
Spreads, minimum deposits, and bonus terms shift without warning. We'll email you when XTB changes something material — plus our weekly broker comparison digest.
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Not sure XTB fits how you trade?
Get a personalized match in 60 seconds — or join the free community for live setups first.
The 5-day VIP trial is free and needs no deposit. Ongoing access is funded through our VT Markets partnership — the registration link is pinned inside the community for when you are ready. We earn a commission when you open an account through our links — this is how we fund free signals for our community.
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- Pips, net
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- Profit factor
Six signal rooms5-day free trial
VIP scalps, risk-to-reward setups, forex swings, high-frequency ATM calls, London/New York sessions and a 24/5 algo.
Accurate AIAI
Ask for a market read on any timeframe. Informational — never a trade call.
Gamified Academy
50 video lessons and 14 written courses, stage by stage from zero.
Scalper Pro indicator
A chart indicator that marks levels, entry and stops right on the price.
July–August 2026, all Accurate signal groups combined, last platform audit 19 August 2026. Self-reported by Accurate Signals (shown in the member dashboard under Track Record) and not independently audited. Pips are not account profit. Past results do not guarantee future performance.
The 5-day VIP trial is free and needs no deposit. Ongoing access is funded through our VT Markets partnership — the registration link is pinned inside the community for when you are ready. Forex and CFD trading carries significant risk and can result in the loss of your capital. Never deposit money you cannot afford to lose. Past results do not guarantee future performance. This is general education, not financial advice.
All materials are prepared by the Introducer and VT bears no responsibility for the information and/or materials provided. All claims should be directed to the Introducer. All rights of VT and any affiliated entities trading under the "VT" trademark, brand or logo are reserved.
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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