Last update: 4 March 2020
11 min read

XTB Review

xtb broker logo
$250 Min. Deposit
N/A Bonus
Open account
Regulatory Body
Trading platforms
MT4, MT5, cTrader, xStation
Customer support
Phone, Email, Live Chat
Languages support
Num of instruments

XTB Review

If you’re looking for an accomplished and reputable forex broker, then you’re in the right place. Our review of XTB highlights a leading brokerage which offers a significant amount of trading instruments for those keen to navigate the global marketplace.

There are over 1,500 offerings, giving you the ability to take advantage of international trends. This diverse market selection includes cryptocurrencies, stocks, Forex, indices, ETF markets, and commodities.

XTB is also heavily regulated and provides its traders with a range of educational materials and trading tools. They also offer an award-winning proprietary trading platform, xStation 5, which can be accessed from both desktop and mobile.

Overall, XTB is a one-stop-shop for traders looking for great opportunities across various assets. Continue reading our XTB broker review to learn more.


  • ProBest broker for financial diversification
  • Pro1,500 financial markets to trade including stocks, indices, crypto, Forex, and commodities
  • ProAward-winning, mobile-optimized trading platforms
  • ProWell-regulated and trusted as one of the best Forex brokers
  • ProGlobal presence with offices around the world


  • ConRelatively high minimum deposit

Company informationCompany information

XTB is one of the largest FX and CFD brokers in the world. They first formed in 2002 and, in doing so, they became the first leveraged foreign exchange broker in Poland. They have since listed on the Warsaw Stock Exchange and have opened offices in 12 other countries. These impressive facts should give you some sort of idea of just how well-respected and serious this broker is.

XTB now offers its services to traders across the world, including France, Portugal, Hungary, Italy, Turkey, the UK, and Latin America. Sadly, however, the broker does not accept US traders at this time.

XTB offers all clients over 1,500 markets. Of these, our reviewers were very impressed with XTB’s cryptocurrency offerings. They have a total of 25 crypto CFDs, 9 of which are individual coins and 16 of which are currency pairs.

This massive range of markets on crypto and other CFDs helps to illustrate why XTB has collected so many awards over the years. They have received dozens stretching back to their inception. The latest award in the XTB collection is the “Best CFD Broker in 2019”. With this many options, we can certainly see why.

XTB regulation and licensingXTB regulation and licensing

Our review of XTB found that the broker is very well-regulated by several respected authorities. Starting with the KNF, which is the Polish regulatory body, they have since added some of the more prestigious regulatory bodies such as the FCA in the United Kingdom, as well as CySec in Cyprus.

These are two of the larger regulatory bodies in the European region, and two of the most well trusted. This gives you all of the protections afforded by those regulatory bodies, including insurance schemes to protect deposits. Ultimately this offers security that’s unparalleled.

Account typesAccount types

There are three account types offered at XTB: the Standard, the Pro, and the Islamic. All three accounts offer a maximum leverage of 1:200 to international clients, and a 30:1 leverage for EU traders.

All three accounts offer Forex, commodities, indices, stock CFDs, and ETF CFDs. Standard and Pro accounts offer Crypto too.

Standard accounts have a minimum spread of 0.35 pips and allow for the trading of as little as 0.01 lots. Both the Pro account and the Islamic account have minimum spreads of 0.28 pips, yet whilst the Islamic account allows for as small orders as the Standard account, Pro account trades are limited to 0.1 lots. Each of these account types has a minimum deposit of $250.

Finally, our review of XTB found that traders can also sign up for a demo account. This allows you to practice trading without risking any real money, and it is advisable if you are starting out.

XTB trading costsXTB trading costs

There is a handful of costs involved in trading with XTB. While our XTB review team does believe that this is a highly trusted Forex broker, you should think your way through the pay scheme before opening an account. This is because the broker offers multiple schemes for trading costs.

For example, the Standard account offers a no commission payment scheme for Forex, indices, and commodities trading, as the broker is paid via the spread. With CFD trading markets, however, the commission is as little as 0.08% per lot. There is no commission charged for cryptocurrencies, as it is also included in the spread.

Pro accounts offer commission from $4.00 per lot in Forex, indices, and commodities trades. Commission for stock CFD and ETF CFD markets are also 0.08% per lot. Crypto charges no extra spread, but simply a $4.00 commission.

Islamic accounts charge from $10.00 commission per lot in the Forex, indices, and commodities markets, and also a $10.00 commission in stock CFD and ETF CFD markets. Obviously, Islamic accounts don’t offer crypto, so that’s not a concern.

XTB does not trade any inactivity fees, nor do they charge monthly fees for maintaining an account. Traders may, however, incur some fees depending on which way they choose to fund their accounts.

All credit, debit card, and bank transfer deposits are completely free, whilst Skrill and Paysafe deposits will incur a 1.5% charge. If you opt to use Safety Pay, you will be charged at 2%. Withdrawals under $100 will also be subject to a $30 fee.

XTB payment methodsXTB payment methods

At XTB, our reviewers found that you can fund your account in several different ways. This makes depositing and withdrawing quick and convenient, wherever you may be.

Transactions at XTB can be made via wire transfers, credit cards, debit cards, and various different e-wallet services, depending on which country you are trading from. For instance, UK clients can trade with PayPal.


You can deposit at XTB in USD, GBP or EUR. All deposits are processed instantly, whilst withdrawals are processed on the same if made before 1 PM, or on the next working day if requested later. It’s also worth noting that, for your safety, all deposits and withdrawals must be with banking accounts registered to your full name.

XTB trading bonusesXTB trading bonuses

XTB does not offer much in the way of a deposit bonus, although our review of XTB found there is the opportunity for rebates for those who trade high-volume. This scheme is only available to traders from certain countries but if you do plan on trading frequently and are looking for some type of bonus, this could be the ideal broker choice.

Easy to use website and platforms

The XTB website is very easy to navigate. The front page leads you into a major listing of the most common financial assets that are offered, and you are shown the spread right away, and of course the daily change. Everything is very intuitive, and the information that you will need is found rather quickly.

Registration at XTB is also straightforward. You can complete the process in around 15 minutes, after supplying the broker with a few pieces of information about your income, net worth, trading knowledge, and experience. You’ll also send in two verifying documents, such as a passport or a utility bill.

Our XTB review team noted that this is one of the most convenient, yet thorough, registration processes they have encountered from any broker.

XTB trading platformsXTB trading platforms

XTB clients can use MetaTrader4, xStation 4 and xStation 5 to make trades. All three of these are considered to be some of the best Forex trading platform available in the industry.

Whilst most clients will already be familiar with MetaTrader, our XTB review team found that xStation 5 is a great alternative. xStation 5 is XTB’s proprietary platform, which is web-based and very user-friendly. It is fully customizable, quick to execute trades, and offers over 40 trading indicators.

Mobile compatibilityMobile compatibility

Our reviewers found that XTB performed perfectly across all mobile devices, including both iOS and Android smartphones. You can find all the information you need with ease, register with the broker and access a wide range of tools and educational materials.

When it comes to trading on the go, you can choose between using MetaTrader 4, or xStation. Both platforms have their own apps, yet not all instruments are available on mobile if you decide to use MetaTrader.

For this reason, we’d recommend downloading the xStation 5 app. It has a simple, mobile-optimized design, and comes with all the same features as the desktop version. This includes transparent charts, market analysis, and a built-in trading calculator. You can also allow the app to send you push notification so that you never miss breaking news again.

Education and trainingEducation and training

XTB offers plenty of educational opportunities, suitable for all types of traders. Our XTB review team noted that the Trading Academy is separated into four different categories based around experience level: Basic, Intermediate, Expert and Premium. This means you can simply select your level and start learning.

Each category has various different levels, and we found that there’s plenty of interesting content even for very experienced traders. You can also search through the levels by subject, which helps you to locate a specific topic easily.

This is a perfect place to try out demo account trading, learning how to implement new strategies or just to simply see how the market works if you have no experience.

As an XTB trader, you can also attend regular Trading Masterclasses. These are webinar events hosted by industry experts. You can check the full schedule of events on the broker website or watch them at a later date on YouTube.

It’s clear XTB are committed to developing their traders and making sure everyone gets the most out of their experience with the broker.

XTB customer supportXTB customer support

XTB does not scrimp when it comes to customer support. In addition to contacting the broker via email and live chat, you can also contact the broker via telephone. All contact numbers are localized, meaning you don’t need to fork out for international call rates, and support is multilingual too.

All support services are available 24 hours a day, from Monday to Friday. Our review team found the staff to be well-informed about both XTB’s services and trading in general.

XTB  – Our verdictXTB  – Our verdict

XTB is a well-known and highly trusted Forex broker and, after our review, we can see why. Our team of experts felt that the broker’s great reputation is well-deserved, as they offer a polished and professional trading experience.

In our opinion, the biggest benefit of trading with XTB is that there are over 1,500 available markets. This not only makes the broker suitable for all types of traders, but it means you can take advantage of every trading opportunity from one platform. There’s no switching brokers, no mitigating risk via hedging, and no transferring money from one account to another

With global markets moving as fast as they do, you need an all-in-one broker you can trust. XTB is the perfect example of this, which is why we recommend that you sign up now.

Frequently asked questions (FAQ)

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2 comments on “XTB Review”

  1. Ben Haplin says:
    Country & city: London, England
    Rating: .....
    Been trading with XTB for years now. Really happy with them. Ive been with 5 different brokers before (IG, CMC etc) and these guys are far better service wise.
  2. Tim E says:
    Country & city: Surrey
    Rating: .....
    Been trading just shy of 3 yrs, and held 2-3 accounts in that time with CMC & Plus500 etc. XTB definitely holds its own in that regard, with the platform just shading some of the others i've tried. What really stands out for me though is the Masterclasses and Trading Clubs - as far as i'm aware, no other broker really offers this and it's a nice touch. I think they take more care of you compared to some of the other better known brokers. I'd definitely recommend