XTB Safety & Regulation 2026: Licences & Protection

XTB is regulated by:

Financial Conduct Authority (FCA) (UK) — Tier-1, licence 522157.
KNF (Poland) — Tier-1, licence DDM-M-4021-57-1/2005.
CySEC (Cyprus) — Tier-1, licence 169/12.
FSC (Belize) — Tier-3, licence 000302/438.

Client protection: £85,000 (UK) / €20,000 (EU). Compensation scheme: FSCS / KDPW.

Tier-1 regulators (e.g. FCA, CySEC, ASIC, FSCA-equivalent frameworks) apply capital requirements, client-money segregation, and compensation schemes. XTB holds 3 Tier-1 licences and segregates client funds and offers negative balance protection.

FSCS (UK), ICF (Cyprus) Client base: 1+ Million. Licensed since 2002.

XTB operates with a minimum deposit of $0 and offers leverage up to 1:500 (Pro) | 1:30 (Retail). EUR/USD spreads are quoted from 0.8 pips (Standard), with a commission structure of $0 on Forex, Indices, Commodities on Market Maker / STP execution.

Trading platforms include xStation 5, xStation Mobile. Deposit methods span Bank Transfer, Credit/Debit, PayPal, Skrill, and withdrawal processing runs at Usually same day (free for >$50).

The broker holds 3 Tier-1 and 1 Tier-3 licence (FCA (UK), KNF (Poland), CySEC (Cyprus), FSC (Belize)), with client protection of £85,000 (UK) / €20,000 (EU). Operating since 2002 from Warsaw, Poland.

XTB is positioned Active European traders & stock CFD investors.

Educational resources are rated Excellent, covering market analysis and platform training.

Reviewers consistently note: Award-winning xStation 5 proprietary platform is fast and intuitive; 0% commission on real stocks and ETFs up to €100k/month; Publicly traded company with transparent financials.

Deposit methods at XTB: Credit/Debit Card (Instant), Bank Wire (1-3 days), PayPal/Skrill (Instant).
Withdrawal methods: Bank Wire (1 business day).
Supported base currencies: USD, EUR, GBP.
Verification: ID + Selfie + Proof of Address.
Time to open an account: Same Day.
Forex pairs available: 71.

XTB is positioned Active European traders & stock CFD investors, which matters when comparing it against other brokers for this decision.
Strengths in our review: Award-winning xStation 5 proprietary platform is fast and intuitive; 0% commission on real stocks and ETFs up to €100k/month; Publicly traded company with transparent financials; No minimum deposit required; Excellent video education academy.
Watch-outs in our review: Phased out MT4 in many regions; No longer offers a raw/ECN zero-spread account format.
Platform support: MT4 Yes (Legacy/Limited), MT5 not supported, cTrader not supported, TradingView not supported, proprietary Yes (xStation 5).
Islamic (swap-free) accounts: supported. Demo account: Yes (30 days).
Education resources are rated Excellent.
Regulatory footprint: FCA (UK) (Tier 1), KNF (Poland) (Tier 1), CySEC (Cyprus) (Tier 1), FSC (Belize) (Tier 3).

XTB is rated 4.7/5 in our editorial reviews and holds licences across 4 regulated entities.
The broker was founded in 2002.
Headquarters are in Warsaw, Poland.
It has been licensed since 2002.
Positioning: Active European traders & stock CFD investors.
Commission model: $0 on Forex, Indices, Commodities.
Leverage reaches 1:500 (Pro) | 1:30 (Retail).
Minimum deposit: $0.

Strengths: Award-winning xStation 5 proprietary platform is fast and intuitive; 0% commission on real stocks and ETFs up to €100k/month; Publicly traded company with transparent financials; No minimum deposit required; Excellent video education academy.

Weaknesses: Phased out MT4 in many regions; No longer offers a raw/ECN zero-spread account format.