XTB Review

XTB Review

✅ 1,800+ Tradable Assets
✅ Fast Market Executions
✅ Four Licenses
✅ Best for Cross-market Trading

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OverallCommissions & FeesLicensing & SafetyPlatforms & Tools
*To test the broker, we used our unique and detailed methodology, which assesses over 200 criteria points in 10 key areas.

OverviewFees and commissionsSafetyOpening an accountAccount typesTrading PlatformsMarkets and productsResearch toolsEducation and trainingCustomer supportOur verdict

In our trustworthy review, we take a closer look at XTB, an international brokerage established in 2002. XTB holds licenses from four regulatory agencies, including the IFSC, FCA, KNF, and CySEC, and has gained a positive reputation during its 15+ years of existence. As well as a sparkling background, XTB offers you 1,800+ instruments and lightning-fast execution, among other benefits.

  • 1,800+ tradable assets
  • Fast market executions
  • Licensed by the IFSC, FCA, KNF, and CySEC
  • Best broker for cross-market trading
  • Lack of research tools

overall scores

In this review, you can find all the information you need to decide whether is the right broker for you. Our expert team has thoroughly explored the broker, using a tested methodology and scoring system. This process places importance on the things we know matter most to traders. Below you can see how scored in each of our high-priority categories.

XTB fees and commissions

Commissions and fees at XTB are generally on the low side, with minimal trading fees. There are two main account types: Standard and Pro, which each come with their own benefits. As our team discovered during this XTB review, both in-trading and non-trading charges are either removed or very low which is beneficial if you are a beginner trader. Plus, these accounts come with low inactivity fees which only kick in after a year.

Our experts have reviewed XTB’s fees based on how they compare with the fees of other reviewed brokers. For each broker, we analyze both trading fees and non-trading fees:

–      Trading fees are charged every time you place a trade. They include spreads, commissions, overnight and rollover fees, and currency conversion fees.

–      Non-trading fees aren’t directly related to trading, but you should consider them as they make up the cost of using a certain broker. They include payment fees and inactivity fees.

Below you will find a snapshot of the fees charged at XTB. Our experts have created these tables based on the fees applied to a standard account. We consider a standard account to be the one that will appeal to most traders, often not the cheapest option but not a premium option either.

Trading Fees*
Minimum Spread EURUSD (pips)
Commission (%)%
Commission on Islamic Accounts (%)%

*Based on Standard account type.

Non-Trading Fees
Account FeeN
Inactivity FeesN
Deposit FeesN
Withdrawal FeesN

XTB trading fees

The majority of trading fees at XTB come in the form of variable spreads, which are usually the most convenient for all types of traders. It means that the price of the commission is already included, although there is a high degree of fluctuation.

Typically, spreads on Forex, cryptocurrencies, indices, and commodities at XTB are low compared to rivals, though there are additional commissions on the Standard account for CFDs. In this chapter of the XTB broker review, we’ll talk you through the fees for all instrument types.

Forex fees

Depending on which account type you choose, spreads for currency pairs are going to be different. For example, if you go for the Standard account, the minimum spread will be 0.35 pip, whereas the Pro and Islamic accounts charge 0.28 pip. One main characteristic of spreads at XTB, regardless of the instrument of your choosing, is that they’re variable, meaning they’ll frequently change depending on market conditions.

Index fees

For over 40 indices from all over the world, spreads are pretty competitive, ranging between 0.25 all the way to 117 pips.

Commodity fees

Spreads for 20+ commodities are also convenient for both beginners and experienced traders. These range between 0.016 and 12 pips.

Stock and ETF CFD fees

Stocks and ETFs at XTB are traded as Contracts for Difference (CFDs). For over 1800+ instruments, you’re getting quite accessible spreads from 0.0012 pips.

Cryptocurrency fees

Lastly, there are more than 20 cryptocurrency pairs that are come with spreads of around 0.5%-2.5%. With high liquidity and 24/7 operation, there is a great deal to be traded using XTB’s crypto assets. Do note, however, that the availability and costs of these products may vary depending on your location and your country’s regulations. 

XTB commissions

Aside from spreads, our XTB forex broker review has shown that there are also certain commissions that apply to specific instruments. Again, the amount of commission applied to your trades depends on which account and which trading asset you choose. So, if you sign up for the Standard account, the commissions are as follows:

  • Forex, indices, commodities will be 0%
  • Stock CFDs and ETF CFDs will be from 0.08% per lot
  • Cryptocurrencies will be 0%

Commissions for the Pro account:

  • Forex, indices, commodities – 3.5 USD per lot
  • Stock CFDs and ETF CFDs – 0.08% per lot
  • Cryptocurrencies – 3.5 USD

Commissions for the Islamic account:

  • Forex, indices, commodities – 10 USD per lot
  • Stock CFDs and ETF CFDs – 10 USD per lot
  • Cryptocurrencies – N/A

Financing/Overnight Rates

If you decide to keep your trades open for more than a day, XTB will also charge you rollover swap fees. Whether you’re actually charged or credited on the swap will depend on the interest rate between the pairs that you’re exchanging, as well as the type of position you’re placing, long or short.

During our review of XTB forex broker, our team also found out that you can choose a swap-free account if you are a Muslim trader. Not all brokers allow this opportunity, which is an advantage of trading with XTB.

Non-trading fees

XTB tries to eliminate other non-trading charges on its platform, that’s why bank transfer and credit card deposits are free of charge. And when it comes to e-wallets (Neteller, Paysafe, and SafetyPay), the commissions range between 1-2%, no matter your account type.

When it comes to withdrawals, XTB covers all the costs charged by the sending bank that it partners with. However, if the receiving bank has any fees, traders will have to pay for those. Plus, if the withdrawal is less than 50 USD, the broker will add a 30 USD commission to the transaction.

There’s also a small inactivity fee at XTB but only if you haven’t opened or closed a position on your account within the last year and have recorded no cash deposits within the last 90 days. Even then, XTB only charges a low fee of 10 EUR, converted to your home currency. If there isn’t a sufficient amount left within the account, the fee is taken from the free funds remaining.

XTB safety

Customer fund safety is a paramount concern of XTB, which is why it employs top-tier security mechanisms to protect its loyal traders. The broker has licenses from four individual institutions of Belize, UK, Cyprus, and Poland. Plus, we’ve also found while conducting our XTB review that your funds are stored in segregated accounts, and you’ll also enjoy negative balance protection.

  • Four licenses
  • Segregated accounts
  • Negative balance protection
  • No negative balance protection for international clients

XTB licenses and regulation

As our reviewing team has discovered, the XTB broker has been licensed by four separate regulatory institutions:

  • The International Financial Services Commission (IFSC) in Belize, license number 153,939
  • The Financial Conduct Authority (FCA) in the UK, license number FRN: 522157
  • The Polish Financial Supervision Authority (KNF), license number KRS 0000217580, REGON 015803782, NIP 52 7-24-43-955
  • The Cyprus Securities and Exchange Commission (CySEC) in Cyprus, license number 169/12

Is XTB safe?

Our review methodology considers several factors to ensure that all of our recommended brokers are safe and reputable. Alongside the number and strength of licenses, we also consider:

  • What protection and/or insurance XTB offers should something go wrong
  • XTB’s reputation, history, and management

XTB client protection

During our XTB broker review, we found out that the broker features sophisticated fund protection mechanisms. UK customers are protected by the Financial Services Compensation Scheme (FSCS), whilst European clients are protected by either the Investor Compensation Fund from CySEC or from KNF. There are also other benefits for customers trading with the FCA and CySEC regulated arms of the broker, such as negative balance protection.

Client Protection

CountryLegal EntityProtected Up ToRegulators
United KingdomXTB Limited£85,000FCA
Italy, Cyprus, HungaryXTB Limited€20,000CySEC
Poland and Rest of EuropeX-Trade Brokers DM SA€20,100KNF
Rest of worldXTB International LimitedNo Protection OfferedIFSC

It is important to stress that negative balance protection is that it can only be used by the XTB clients from Cyprus and the UK. However, international customers are still protected under the segregation of funds policy. This way, traders’ funds are safely stored in independent bank accounts, and should any financial hardship emerge, their money will still be safe and sound.

XTB background and reputation

As pointed out in this review, XTB (X-Trade earlier) was established in 2002 on the Polish market. In 2004, it merged with XTB and became a full-fledged trading brokerage.

 In its 18 years of existence, the broker has amassed both fame and prestige including the award for Best broker in Europe by Money Markets Journal in 2005 and Best CFD Broker 2020 as rated by BrokerChooser.

In 2016, XTB was listed on the Warsaw Stock Exchange and formed a contract with famous Hollywood actor Mads Mikkelsen as the brand’s ambassador. This helped the broker to earn its reputation as one of the largest exchange-listed FX and CFD brokers in the world, with offices in 13 countries. This, coupled with the absence of any major scandals in the media, indicates that our XTB review deals with a trustworthy brokerage.

Under the regulatory obligations that XTB has towards four different agencies, the broker regularly submits financial reports about the way it handles the funds of its 140,000+ worldwide customers.

Opening an account with XTB

In order to sign up at XTB, you need to take a few simple steps and provide some basic documentation. The process is quite short and can be completed online on desktop or mobile. There’s no minimum deposit amount at XTB either and the broker accepts a wide range of payment methods. Overall, becoming an XTB is straightforward from start to finish.

Is XTB available in your country?

XTB is accessible in hundreds of countries worldwide, while its website is modified for 22 different areas. With that being said, there are certain countries that still aren’t covered by the broker’s services. Among the restricted countries are the United States, Canada, Australia, Japan, etc.

How to open an account at XTB

As noted above, after a few simple steps and a couple of minutes, your live trading account is pretty much good to go. In this review of XTB forex broker, we provide the exact steps you need to take to create an account at XTB.

Once all that is done, you can go ahead and fund your account and start trading at XTB.

What you will need to open an account

Here is the full list of details and documentation that you need to register at XTB: 

  • Personal information – full name, date of birth, email, address, employment status
  • Regulatory information – annual income, trading goals and aims, employment details
  • Documentation – a photocopy of your ID card/passport/residence card/voter card/military book

To open an account with XTB, you’ll need to provide proof of identity and proof of address. This process allows XTB to meet KYC (Know Your Customer) guidelines. KYC guidelines keep you safe and stop the broker from accidentally facilitating illegal practices such as money laundering.

What is the minimum deposit at XTB?

Amazingly, there is no general minimum deposit requirement at XTB. This means that you can create any type of account you want at no cost whatsoever. The only limitation will be the minimum transaction volume and the resulting minimum margin deposit. Depending on which deposit method you choose, however, you may still need to deposit a certain amount per transaction.

XTB payment methods

XTB accepts a wide range of payment methods for deposits and withdrawals. This includes traditional methods, such as debit and credit cards, as well as e-wallets. XTB offers accounts in GBP, EUR, or USD. You may also find other base currencies supported (such as HUF and PLN), depending on which arm of the broker you’re trading with. Many methods are completely free of charge, and most transactions are processed instantly.

Payment Methods

Bank Transfer1-5 business daysUSD, EUR, GBP, HUF, PLNN/AN/AYSame day (if requested before 1 PM)50 USD30 USD below the minimum withdrawal threshold
Credit Cards (Visa, MasterCard, Maestro)InstantUSD, EUR, GBP, PLN,N/AN/ANN/AN/AN/A
PaysafecardInstantUSD, EUR, GBP, HUF2%N/ANN/AN/AN/A

*Polish accounts incur depositing fees of up to 0.95%

XTB account types

When registering at XTB, you get the option of choosing from two different live accounts – Standard and Pro. On top of that, there’s also an Islamic account for Muslim traders. During our XTB forex broker review, we found that the trading conditions for each account type are accessible and suited to different budgets and skill levels. XTB also offers you a demo account with a large virtual balance. In the table below, we’ve highlighted the main features of each account type so that you can compare them easily.

Account Types

Minimum Deposit0 USD0 USD0 USD
Max Leverage1:500*1:5001:500*
Minimum Order Size0.01 lot0.01 lot0.01 lot
Spreads0.35 pip0.28 pip0.28 pip
Commission0%From 3.5 USD per lot on forexFrom 10 USD per lot on forex
Available Instrument TypesForex, Commodities, Indices, Cryptos**, Stock CFDs, ETF CFDsForex, Commodities, Indices, Cryptos**, Stock CFDs, ETF CFDsForex, Commodities, Indices, Cryptos**, Stock CFDs, ETF CFDs
Available Instruments (Number)1,500+1,500+1,500+
Trading PlatformsxStation & MT4xStation & MT4xStation & MT4
Automated Trading (Y/N)YYY
Execution TypeMarketMarketMarket

*Leverage is limited to 1:30 for traders within the EU and Europe
**Availability subject to regulations.

Demo accounts

At XTB, you can also choose a demo account which enables you to trade without any financial commitment. According to the terms and conditions of the demo account, you can open it for 30 days and trade all 1,500+ instruments with the same market conditions. On top of that, you get a virtual balance of 100,000 USD and this can be renewed if needed. 

Islamic accounts

During our XTB review, our team has discovered that the swap-free account is available for Muslim traders, though you might be required to prove that you live in a Muslim country.

Islamic accounts give you the same benefits of regular XTB accounts, without the overnight interest fees. As such, you can trade in a Sharia-compliant way and still benefit from excellent features such as market execution, no minimum deposit requirement, and spreads from 0.28 pips.

XTB trading platforms

Trading at XTB is facilitated by two trading platforms – MetaTrader 4 and the broker’s own xStation 5. Both of these platforms have been named some of the best trading pieces of software for their flexibility (available on both desktop and mobile), as well as the multitude of tools and features.

XTB offers two trading platforms. A trading platform is simply a software interface that allows you to place trades. Trading platforms often come with charting, research, and order processing tools too.

To ensure that we only recommend high-quality brokers, our reviewers have tried and tested each of XTB’s trading platforms. When doing so, they considered a range of factors including how easy the platforms are to use, what features each trading platform offers, and how suited each platform is to different types of traders.

Trading Platforms

Instrument ClassesForex, Commodities, Indices, Cryptos*, Stock CFDs, ETF CFDsForex, Commodities, Indices, Cryptos*, Stock CFDs, ETF CFDsForex, Commodities, Indices, Cryptos*, Stock CFDs, ETF CFDs
Number of Instruments1,500+1,500+1,500+
Number of Order Types444
Number of Indicators345134
Number of Drawing Tools292729
Robots/EAs (Y/N answer)YYY
Social/Copy Trading (Y/N answer)NNN
Downloadable (Y/N answer)YYY
Browser CompatibilityYYN

*Availability subject to regulations.

xStation 5

The first trading platform we found during our review of XTB forex broker was the proprietary xStation 5. What’s beneficial about this platform is that it functions both as a web trader and a desktop application.

You can trade thousands of different instruments that are available at XTB and, in the process, incorporate various tools to increase your profitability: auto-trading bots, different order types (buy limit, sell limit, buy stop, sell stop), indicators and drawing tools. With its intuitive design and secure log-in process, you can be sure that your funds are stored on the right platform.

Plus, it also includes an educational toolbar, insights into news and market analysis plus educational videos easily accessible from within the platform. You can switch from mobile to desktop easily and an integrated heat map allows you to view trade history insights giving you a bigger picture. This is a great tool for beginners with an inbuilt powerful search. Whilst the mobile application is not as sleek as the desktop, the ease of trading between forex and CFDs is a huge plus point.

MetaTrader 4

You can never go wrong with MetaTrader 4, so our review team was happy to see that XTB offers it: MT4 offers some of the best trading indicators and other features, has an easy-to-navigate interface, and supports all of the same order types as the proprietary platform.

You can enjoy automated trading alongside real-time data export with the DDE protocol, plus the platform comes equipped with 24 different languages. There’s also no need to worry about switching between desktop and mobile, as this platform was designed to function on smaller screens. All of your details are safe and confidential at all times too.

xStation Mobile

xStation Mobile is a native smartphone version of its full-fledged counterpart. It offers pretty much the same functionality and can be accessed from both Android and iOS devices.

What is the execution policy at XTB?

Trading at XTB occurs on the STP platform, which means the broker is an intermediary between traders and liquidity providers. However, regardless of this fact, XTB offers market execution. This means you can place trades blazingly fast and be in no danger of requotes. For better accuracy and tighter spreads, XTB also offers fractional pip pricing.

XTB markets and products

XTB offers over 1500 trading instruments, in seven asset classes. This includes forex currency pairs, commodities, precious metals, indices, stocks, cryptocurrencies*, and ETFs. Compared to other similar brokers, XTB’s offering is incredibly varied and extensive. This makes it the ideal broker for you if you are looking to diversify your portfolio. You can take advantage of volatile markets like cryptos, and hedge your trades against safe-haven assets such as gold.
*Availability subject to regulations.

Currency Pairs
Precious Metals
Stocks and Shares

Currency pairs

Forex takes the main pedestal at XTB, which is why there are 48 currency pairs available. This includes majors, minors, and exotics, and spreads for these instruments start at just 0.1 pips. The maximum leverage ramps up to 1:500 for international and professional traders, and you can trade micro-lots too. This range means that XTB is a good forex broker for both small scale and high-volume traders.


Commodities at XTB have beneficial trading conditions: competitive spreads, no swaps for overnight positions, and leverage of up to 1:500 (for professional and international clients only). Traders within the EU can enjoy leverage of 1:20, which is in line with industry standards.


XTB provides over 40 different indices from all over the world, including the US, Germany, and China. This allows you to trade familiar markets with the same beneficial conditions as commodities: 1:500 leverage (1:20 for European traders), no swaps, and convenient bid/ask spread quotes.

Stock CFDs and ETF CFDs

Stocks and ETFs at XTB are traded as Contracts for Difference (CFDs). 1,800+ contracts come with ultra-fast execution, low commissions, and leverage up to 1:10 (1:5 for EU traders). The vast range of stocks means that you can choose from popular companies, including the likes of Apple and Facebook.

If you are trading from within Europe (though not in the UK, Cyprus, Hungary, or Italy), you can also trade real stocks and ETFs. There are 17 real stocks available and 170 ETFs.


Impressively enough, our XTB review found that the broker offers a number of cryptocurrencies. You can choose from 9 individual coins or 16 crypto pairs. These include, but are not limited to, Bitcoin, Litecoin, Ethereum, Ripple Stellar, and Dash. For these assets, the market functions all-week-long and liquidity can be high. Please note, cryptocurrency CFDs are only available in certain jurisdictions due to regulatory restrictions. 

XTB research tools

XTB provides you with easy access to market news, trading indicators, and economic calendars. These tools are definitely worthwhile for any trader as they can help you to perform successful technical analysis. All tools are user friendly and you can find them in two places; via the xStation 5 platform or under the Market Analysis section of the broker website. As you can also use MT4 indicators and EAs, we think XTB’s research offering is above average.

Research Tools
News (from top-tier sources)N
Trading Signals and IndicatorsN
Trade IdeasN
Expert AnalysisN
Autochartist ToolsN
Sentiment ChartsN
Economic CalendarN


The Market News section at XTB contains articles about forex, stocks, and other trading assets. This section is regularly updated to provide you with the most up-to-date information and is easily accessible from inside the platforms.

Instead of using a third-party source, XTB’s news is produced by its own research team. XTB was voted the Best EMEA FX Forecaster by Bloomberg in 2018, which serves as testament to how detailed and valuable it is.

Trading signals and indicators

There are dozens of trading indicators available at XTB. With the help of Alligator, Bollinger Bands, and other indicators, you can conduct thorough technical analysis and accurately predict price movements. Indicators are available on both the proprietary xStation 5 platform and MT4.

Trade Ideas

At XTB, you can benefit from trade ideas that are generated by the broker’s teams of experts. These are usually hidden within the market analysis, although there are some outstanding unique tools too.

The market sentiment and ‘Heatmap’ features give you a good overview of how other traders are acting. This can help you to fashion your own trading ideas, as it shows whether the majority of clients are going long or short, and who is winning or losing.

The ‘Stocks Screener’ at XTB is an excellent tool for finding the best stocks for you. It uses 15 factors to filter the broker’s huge range of stocks, including market capitalization, earnings per share, Price to Earnings ratio, dividend yield, return on equity, and BETA. This helps you to identify which CFDs are best for your trading plan.

Economic calendar

The economic calendar is also a noteworthy analysis tool. It goes that bit further than other broker’s calendars by offering a separate prognosis for different countries, as well as the impact level of a specific event.

XTB education and training

When it comes to education, XTB definitely doesn’t fall behind its competitors. The inbuilt Trading Academy gives you access to video tutorials, trading courses, and articles. No matter whether you’re a beginner or an expert, you’re sure to find some materials to help you improve. You can also take advantage of live webinars which allow you to interact with XTB’s team of market experts for personalized advice. All of this adds up to a broker that is definitely invested in furthering their clients’ abilities.

Educational Features
Demo AccountN
Platform Tutorial VideosN
Educational PDFsN
Live WebinarsN
YouTube VideosN
Trading AcademyN
Trading GlossaryN

Trading academy

The Trading Academy at XTB is a large educational section that contains videos and PDFs. You can choose your own level and start climbing the ladder. Articles are well written and easy to understand and, at the end of each lesson, you can complete quizzes to test your progress. This is a comprehensive feature that makes XTB stand out from the crowd.

 To make it easier for all levels, XTD has split it into these four ranges:

  • Basic
  • Intermediate
  • Expert
  • Premium

If you’re particularly interested in a specific topic, you can further filter specific themes such as:

  • MT4 tutorial
  • xStation 5 tutorial
  • Introduction to CFDs
  • Fundamental analysis
  • Introduction to forex

Live Webinars

XTB advertises that it offers live webinars, where you can interact with a range of professional traders and market experts. This is definitely a plus point for the broker however when we conducted this XTB review, there were no webinars planned for the near future.

XTB customer support

Contacting XTB’s support is as easy as it can get. As our review of XTB forex broker has revealed, you can contact the broker by email or phone, 24/5. There’s also live chat for speedier responses and support is offered in 20 different languages. An extensive FAQ section gives you further reassurance that this is a broker that cares about its clients.

  • A multitude of contacting methods
  • Professional team and helpful answers
  • 13 different offices globally
  • Online chat doesn’t work 24 hours a day

You can contact XTB via the following channels:

  • Email address: [email protected]
  • Customer Service phone number: +44 2036953086
  • Online chat on the website

The email support at XTB is definitely a top-tier service. The agents are both super-friendly and competent, giving you personalized responses that tackle the issue right to its core. Within Europe, email and phone support are available 24/5, whilst international clients can enjoy 25/7 assistance.

In our opinion, phone support is the superior method of contacting XTB. As part of this broker review, we reached out to XTB several times via phone and were happy to receive bespoke responses from a friendly and helpful team.

The live chat function at XTB gives you a convenient way of talking to real agents quickly. One small downside of this feature is that it doesn’t work 24 hours a day; you can only use live chat between 9 AM and 6 PM GMT, Mon-Fri.

XTB mobile compatibility

A good online broker is nothing without a mobile-friendly interface, but luckily that’s exactly what you’re going to see when visiting XTB from your smartphone. The mobile website is super responsive on both iOS and Android devices, and you can enjoy full functionality. Create an account, open and close trades, and contact customer service from the palm of your hand.

XTB – Our verdict

Our ultimate verdict of the XTB broker is as follows: this is a top-tier trading brokerage that offers some of the best instruments and features in the industry.

By signing up for XTB’s platform, you get the ability to trade 1,800+ instruments, including forex, stocks, and commodities. These instruments come with profitable terms and conditions as well; low spreads, zero or close to zero commissions, and beneficial leverage amounts.

With regulation from four different authorities, you can also rest assured that XTB is safe and trustworthy. Security measures such as segregated accounts, insurance, and negative balance protection give you further peace of mind. The broker also clearly cares about you; whether you need extra educational support or friendly customer service, XTB agents and experts are available every step of the way.

If this sounds like XTB might just be the forex broker for you, then complete the easy sign-up process to start trading today.

Final Summary
Minimum Deposit (USD)
Max. Leverage
Client ProtectionN
Broker Type
Number of Instruments
Currency Pairs
Proprietary Trading PlatformN
Mobile CompatibleN
Research ToolsN
Educational MaterialsN
Payment Methods
24/5 Customer SupportN
Live ChatN

*Minimum deposit of £250 for UK clients. Leverage is also limited to 1:30 for UK and EU clients. The availability of cryptocurrency CFDs is subject to regulations.

XTB information

  • Year Founded: 2002
  • Company Trading Names:
    • XTB International Limited (International)
    • XTB Ltd (the UK, Cyprus)
    • X-Trade Brokers DM SA (Spain)
  • Licenses: IFSC, FCA, CySEC, KNF
  • Headquarter Address: Level 9, One Canada Square, Canary Wharf, E14 5AA, London, United Kingdom
  • Phone Number: +44 2036953085
  • Facebook: https://www.facebook.com/xtb
  • Twitter: https://twitter.com/XTBUK

Risk Disclaimer: XTB offers CFD products. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 82% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Our methodology: This review of XTB has been created using accurate data and unbiased facts. To test the broker, we have used our unique and detailed methodology, which assesses over 200 criteria points in 10 key areas. This guarantees that all of our reviews are fair and extensive.

We update our methodology and our reviews regularly. Methodology updates are made so that new broker features and products are taken into consideration. Review updates ensure that all the information we provide is current and correct.

What’s next


Open an account on the broker website.


See what benefits one offers over the other.


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Frequently asked questions (FAQ)

Is XTB regulated?

Yes, our review of XTB found that the broker has licenses from not one, but four different regulatory organizations. Namely, IFSC, CySEC, the UK’s FCA, and KNF. These licenses, both individually and collectively, ensure that XTB operates responsibly and fairly at all times. 

Is XTB a scam?

No, the trading terms and conditions offered at XTB certainly don’t indicate that XTB is a scam. If you take a look at what other trustworthy brokers offer, you’ll see that XTB meets and even exceeds these standards. The broker has proper licensing materials, profitable trading conditions, and various tools to conduct accurate technical and fundamental analysis. By providing you with all of these features, it’s pretty clear that XTB is definitely not a scam.

What is the minimum deposit at XTB?

XTB does not insist on a minimum deposit amount for opening an account in most jurisdictions. Do note, however, that if you are trading with XTB from the UK, you will need to make an initial deposit of £250. Overall, and when compared to other brokers, these requirements (or lack thereof) make XTB very accessible to all types of traders.

Does XTB charge commission?

Yes, XTB does charge small commission fees but only on certain instruments. Wherever it’s possible, XTB tries to eliminate both in-trading and non-trading fees. For the Standard account, for instance, there are no commissions for forex, indices, commodities, and cryptocurrencies. For stock and ETF contracts. however, commissions start at 0.08% per lot.

What XTB account types are there?

There are two regular accounts at XTB: Standard and Pro, plus an Islamic account. With these accounts, you can trade all of the available instruments and benefit from an array of research tools and educational materials. On top of that, you can also choose a demo account if you want to practice your trading skills.

Cryptocurrency Trading
1,800+ Instruments
Min Deposit: None

Licensing & Safety
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Top Platform in 2024

✅ Accounts: $5K - $300K
✅ Profit Split: 90%
✅ Profit Targets: 10%

✅ Accounts: $4K - $100K
✅ Profit Split: 60-90%
✅ Profit Targets: 10%, 10%, 5%

✅ Accounts: $5K - $200K
✅ Profit Split: 80%
✅ Profit Targets: 8%, 5%

✅ Accounts: $5k - $100k
✅ Profit Split: up to 90%
✅ Profit Targets: 10%

✅ Accounts: $10k - $200k
✅ Profit Split: up to 100%
✅ Profit Targets: 10% (1-step), 8%/5% (2-step)

✅ Accounts: $25k - $200k
✅ Profit Split: 50% - 80%
✅ Profit Targets: 10%

Top Prop Firm in 2024

✅ Accounts: $5K - $300K
✅ Profit Split: 90%
✅ Profit Targets: 10%

✅ Accounts: $4K - $100K
✅ Profit Split: 60-90%
✅ Profit Targets: 10%, 10%, 5%

✅ Accounts: $5K - $200K
✅ Profit Split: 80%
✅ Profit Targets: 8%, 5%

✅ Accounts: $5k - $100k
✅ Profit Split: up to 90%
✅ Profit Targets: 10%

✅ Accounts: $10k - $200k
✅ Profit Split: up to 100%
✅ Profit Targets: 10% (1-step), 8%/5% (2-step)

✅ Accounts: $25k - $200k
✅ Profit Split: 50% - 80%
✅ Profit Targets: 10%

XTB Review