This 2026 review of XTB provides a comprehensive look at the broker’s offerings—from its fees and trading platforms to its asset selection and regulatory strength, helping you decide if XTB is the right fit for your trading goals.
Established in 2004 and headquartered in Poland, XTB is a well-established global brokerage with offices in over 13 countries. It is a globally regulated broker, holding Tier 1 licenses from authorities such as the Financial Conduct Authority (FCA) in the UK and the Australian Securities and Investments Commission (ASIC).
It also holds licenses from the Cyprus Securities and Exchange Commission (CySEC), the Polish Financial Supervision Authority (KNF), the Financial Sector Conduct Authority (FSCA) in South Africa, the Dubai Financial Services Authority (DFSA), the International Financial Services Commission of Belize (IFSC), and the Financial Services Authority (FSA) of Seychelles.
The broker’s core strengths lie in its user-friendly proprietary platform, xStation 5, broad asset selection, and extensive educational and research offerings.
XTB Overview
XTB Overview
XTB
- Minimum Deposit$0
- SpreadLow
- Trading FeeFree
- Deposit FeeFree
- Withdrawal FeeVaries
- Account OpeningWithin 24 hours
Pros and Cons
Pros and Cons
Pros
- Commission-free trading on the Standard account
- Large asset selection in a wide variety of markets
- Strong regulatory oversight from Tier 1 authorities such as the FCA and ASIC
- Comprehensive educational resources and powerful research tools
- Interest paid on uninvested cash balance
- Intuitive and powerful proprietary trading platform
Cons
- Lacks support for third-party trading platforms
- Inactivity fees are charged after 12 months
- Swap fees apply to all account types, making it less suitable for long-term positions
- Withdrawal fees for small amounts or certain e-wallet deposits
Account Types
Account Types
XTB offers two primary trading account types: Standard and Pro. Standard accounts are commission-free, while Pro accounts feature tighter spreads but charge a commission.
XTB also provides demo accounts for practice. All live accounts incur swap fees, but Islamic (swap-free) accounts are available to clients outside Europe, making it suitable for those requiring Shariah-compliant options. The maximum leverage offered by XTB is 1:500, providing traders with flexibility and the potential for greater market exposure.
XTB Fees, Spreads, and Commissions
XTB Fees, Spreads, and Commissions
Trading Fees
Spreads for the Standard account start at 0.6 pips compared to the Pro account, with tight spreads starting from 0.1 pips. The Pro account charges a $7 commission per lot. XTB also charges swap fees on all account types, which means it may be less suitable for traders holding long-term positions.
It also offers real stocks and ETFs with zero commission for a monthly turnover of up to €100,000, after which a 0.2% fee (minimum €10) applies.
Deposit, Withdrawal, and Other Account Fees
XTB does not charge internal fees on deposits or withdrawals above a certain threshold. However, funding via debit/credit cards or certain e-wallets may incur a fee, typically up to 2%, depending on the country of residence.
A fee of $5 applies to withdrawals under $50. Accounts are denominated in several base currencies, including EUR, USD, GBP, HUF, and PLN. Currency conversion fees may apply when trading instruments in a non-base currency.
There are no account maintenance fees; however, an inactivity fee of €10 per month is charged after 12 months without trading activity.
Trading Platforms Available on XTB
Trading Platforms Available on XTB
XTB doesn’t support any third-party trading platforms. Instead, it offers its flagship xStation 5 platform for web, desktop, and mobile.
| Trading Platforms | Availability |
|---|---|
| MetaTrader 4 | |
| MetaTrader 5 | |
| cTrader | |
| TradingView | |
| NinjaTrader | |
| Proprietary Platform | |
| Mobile App |
Assets You Can Trade on XTB
Assets You Can Trade on XTB
XTB is primarily a CFD broker, but grants access to thousands of real stocks and ETFs. Across asset classes, the broker provides over 10,000 financial instruments on its platform.
Its broad asset coverage places it among the top compared to competing CFD brokers. Here’s how it compares against select brokers such as Admirals and RoboForex:
*Comparison between CFD brokers only
Looking for something else? Compare tradable assets, features, and more at a glance with our powerful broker comparison tool.
COMPARE BROKERSDeposit and Withdrawal
Deposit and Withdrawal
Funding Methods
Funding Methods
XTB supports funding through:
- Debit / Credit Card
- PayPal
- Wise
- Revolut
Funding Methods
Clients can deposit funds via:
- Bank transfer
- Debit/credit cards
- E-wallets such as Skrill, Neteller
- Online payment systems such as PayPal, Paysafe, and PayU
Bank transfers are generally free, but they may take several business days to process. Debit/credit card payments are typically instant, although some may incur a fee of up to 2% depending on the country. E-wallet deposits are generally instant and free of charge.
Withdrawals are primarily processed via bank transfer to an account held in the client’s name. The minimum withdrawal amount is $50, and no fees are charged. Processing times are typically 1-3 business days.
Educational Resources & Research Tools on XTB
Educational Resources & Research Tools on XTB
Research Tools
XTB offers a robust suite of research tools that rivals the best in the industry. These include high-quality articles in its Market News section, streaming headlines from top-tier news providers, fundamental and technical analysis, and a 'Chart of the Day' series.
Additional features include:
- Economic calendar
- Stock screener
- Heatmap
- Trader sentiment data
- Trading signals with analyses from major providers such as Reuters, Barclays, and Citigroup
Educational Resources
XTB provides extensive educational content, integrated throughout its trading platform and website. Its Trading Academy offers over 200 lessons, categorized by topic or experience level, from beginner to expert.
These lessons include quizzes for progress tracking. The broker also provides live webinars and on-demand content, along with a Masterclass series on its YouTube channel.
Additional resources include platform tutorials and financial market education. While comprehensive, the video content is somewhat scattered across different sections of the platform and YouTube, lacking a centralized and well-organized video library.
XTB Customer Support
XTB Customer Support
Support Channels
Customer support at XTB is available 24/5 through:
- Live chat
- Phone
The staff are quick to respond through chat and follow up on issues promptly. However, user reviews mentioned slow replies when contacting through email. The customer service team is helpful with the onboarding experience, but issues tend to arise when dealing with documentation for verification.
Language Support
Support is available in 18 languages, including but not limited to:
- English
- German
- Spanish
- French
- Italian
- Portuguese
- Russian
- Chinese
- Arabic
- Vietnamese
The wide coverage allows for efficient communication, but the lack of Asian languages may be a concern for some traders.
Safety and Regulations
Safety and Regulations
XTB is a highly trusted brokerage, regulated by multiple financial authorities worldwide, providing a strong level of investor protection and regulatory oversight. Key regulatory bodies include the FCA, ASIC, CySEC, KNF, FSCA, DFSA, IFSC, and the FSA. The broker is also publicly traded on the Warsaw Stock Exchange, which mandates regular and transparent financial reporting.
To enhance client safety, XTB segregates client funds from its operational capital, offers negative balance protection, and employs industry-standard encryption and data security protocols.
User Experience and Interface
User Experience and Interface
Desktop Navigation and Performance
The xStation 5 desktop is lauded for being user-friendly, offering a clear fee report, and providing a good search function. It operates with low latency and includes highly customizable dashboards along with a wide range of tools and technical indicators.
It also features unique tools such as a countdown timer for each candlestick and economic news releases displayed on the charts.
Mobile Navigation and Performance
The xStation 5 mobile is cleanly designed, intuitive, and user-friendly, rivaling leading forex mobile platforms. It offers essential trading functions and features such as:
- Streaming news
- Predefined watchlists
- Economic calendar
- Top movers
- Client sentiment data
- Integrated educational videos
Charts are functional, offering an auto-save feature for trend lines and drawings, and easy addition of indicators. The app supports biometric authentication for convenient login. However, it lacks two-factor authentication, and watchlists do not sync with the web version.
Final Verdict
Final Verdict
XTB offers a broad asset selection of CFDs, complemented by real stock and ETF trading. Its proprietary xStation 5 platform is intuitive, feature-rich, and user-friendly across all devices, providing a powerful trading experience.
The broker stands out for its competitive spreads, low trading fees, mostly free deposits and withdrawals, and the unique benefit of interest paid on uninvested cash balances. Furthermore, XTB's educational resources and research tools are comprehensive and of high quality.
However, XTB has some limitations. It doesn’t support third-party trading platforms, which may be a significant drawback for traders accustomed to these platforms. Despite the broad asset coverage, the broker also lacks access to CFDs for bonds, futures, options, and mutual funds.
Is XTB the Right Broker for You?
XTB is a compelling choice for traders who prioritise strong regulation and a clean, user-friendly trading interface. It’s well-suited for both beginner and experienced traders who value a powerful proprietary platform and extensive educational and research offerings. It’s also ideal for cost-conscious traders due to its low fees and competitive spreads.
Who Should Trade with XTB?
XTB suits a wide variety of traders due to its substantial offerings across key areas. Beginners will enjoy the absence of a minimum deposit requirement, commission-free trading on Standard accounts, a simplified onboarding process, and high-quality educational content.
Experienced traders who prefer a robust proprietary platform, comprehensive research tools, and are interested in trading a wide range of CFDs will also find XTB appealing. Swap-free accounts are also available for clients outside Europe.
XTB isn’t ideal for traders who prefer MetaTrader or other popular third-party trading platforms, or those specifically looking to trade options, funds, or futures.