XTB Review 2026

Trust

XTB Regulators

When reviewing a broker, we examine how each of its entities is regulated and assess how effectively they protect clients. We use a three-tier system to rank regulatory bodies, with Tier-1 being the most trusted and offering the highest level of protection.

This is what I discovered about XTB:

• XTB Limited (UK) is licensed and regulated by the Financial Conduct Authority (FCA) of the UK under license number 522157. We rate the FCA as a Tier-1 regulator.
• XTB Limited (CY) is licensed and regulated by the Cyprus Securities and Exchange Commission (CySEC) under license number 169/12. We rate CySEC as a Tier-1 regulator.
• XTB S.A. is licensed and regulated by the Komisja Nadzoru Finansowego (KNF) under license number 0000217580. We rate the KNF as a Tier-1 regulator.
• XTB S.A. German Branch is registered with the Federal Financial Supervisory Authority (BaFin) under license number 1012150. It is generally subject to the supervision and control of the Polish Financial Supervision Authority (KNF). We rate BaFin and KNF as Tier-1 regulators.
• XTB S.A. Spanish Branch is registered with the National Securities Market Commission (CNMV) under license number 40. It is generally subject to the supervision and control of the Polish Financial Supervision Authority (KNF). We rate CNMV and KNF as Tier-1 regulators.
• XTB S.A. ORGANIZAČNÍ SLOŽKA is licensed and regulated by the Czech National Bank (CNB) under license number 27867102. The entity is also regulated by the Polish Financial Supervision Authority (KNF). We rate CNB and KNF as Tier-1 regulators.
• XTB S.A. (HU) is registered with the Hungarian Stock Exchange Commission and is regulated by the Polish Financial Supervision Authority (KNF). We rate the KNF as a Tier-1 regulator.
• XTB S.A. Branch in Portugal is licensed and regulated by the Portuguese Securities Market Commission (CMVM) under license number 341 and the Polish Financial Supervision Authority (KNF). We rate the CMVM and the KNF as Tier-1 regulators.
• XTB SA VARŞOVIA BUCHAREST BRANCH is licensed and regulated by the National Regulator of Romania (CNVM) under license number PJM01SFIM/400002 and also by the Polish Financial Supervision Authority (KNF). We rate the CNVM and the KNF as Tier-1 regulators.
• XTB SA French Branch is licensed and regulated by the French Financial Markets Authority (AMF) and by the Polish Financial Supervision Authority (KNF). We rate the AMF and KNF as Tier-1 regulators.
• XTB Financial Services LLC is licensed and regulated by the Capital Markets Authority (CMA) of the UAE under license number 20200000231. We rate the CMA as a Tier-2 regulator.
• XTB Agente de Valores is licensed and regulated by the Financial Market Commission (CMF) of Chile under license number 216. We rate the CMF as a Tier-2 regulator.
• PT XTB Indonesia Berjangka is licensed and regulated by the Commodity Futures Trading Regulatory Agency (BAPPEBTI) of Indonesia under license number 003/BAPPEBTI/SI/08/2020. We rate BAPPEBTI as a Tier-2 regulator.
• XTB International Limited is licensed and regulated by the Financial Services Commission (FSC) in Belize under license number 6442514. We rate the FSC as a Tier-3 regulator.

How Does XTB Protect You?

I reviewed the broker’s client agreement and risk disclosure to examine how XTB protects its clients. These documents can be accessed from the ‘Legal’ section of the website.

Here is what I found about XTB Limited (UK):

✅ Segregated Accounts – Client funds are kept separate from the company’s own capital.

✅ Negative Balance Protection – Your losses cannot exceed your invested capital.

✅ Compensation Scheme – In the unlikely event of insolvency, you will be insured by up to GBP 120,000 under the FSCS.

To learn more about the most important safety mechanisms and how they apply to you, check our dedicated guide on client protections.

Stability and Transparency

We also assess a broker’s stability and transparency. This includes how long the company has been in business, its size, and how openly it shares information about its business and services.

I reviewed XTB’s website, LinkedIn page, and other social channels, and was impressed by the company’s structure. I learned that the broker was founded in 2004 and employs more than 1,600 professionals worldwide. This is far more than other brokers and implies high stability.

Another green flag of XTB is its strong client categorization policy. While signing up, you have to provide details about your financial and professional backgrounds and trading experience. This ensures that each trader’s account is configured based on their goals, means, and needs.

Another thing that made a very strong and positive impression on me was the news bulletin from 23 February, which informed XTB clients that, due to heightened volatility, they may experience above-average metal spreads. This speaks to the broker’s high transparency and trustworthiness.

Last but not least, I appreciated that XTB is very open about its management, publishing details about the board on the website. Though not limited to XTB, this practice is not particularly popular among other brokers. Yet, it helps build credibility and trust between clients and the company.

Is XTB Safe?

I found XTB extremely safe to trade with due to the following factors:

• Authorized by multiple regulators, including many top-tier authorities.
• Keeps client funds in segregated accounts.
• Guarantees negative balance protection.
• Publicly traded with a market cap of more than 2.5 billion euros.
• Provides insurance coverage of client funds by up to GBP 120,000.

Fees

XTB Trading Fees

XTB Spreads

I tested XTB’s spreads on a Standard account on 23 February 2026 during the London and New York market openings. I used a live account on the xStation 5 Web platform. Here are my results:

I learned that XTB charges very low forex spreads, significantly lower than the industry average. Stock prices also beat the industry benchmark several times over, while its index spreads were better than the average by 1 basis point.

The only exception was the abnormally high spread on XAUSUD and crude oil. However, XTB had warned its clients about above-average spreads on metals due to heightened market volatility.

XTB Swaps

A swap fee is the cost of keeping a trade open overnight, and it’s tied to the difference in interest rates between the two currencies in a pair. If you’re holding a buy (long) position, you may either pay or earn interest depending on the rates—this is called a swap long. The same applies to a sell (short) position, where the overnight charge or credit is called a swap short.

The values listed below are for one full base currency contract (100,000 units).

The overnight fees I recorded were very favorable. The DOW 30, XAUUSD, and Apple swaps were particularly low, while the overnight costs on forex were closer to the industry average. The only exception was a crude oil swap long of $2.79 that exceeded the benchmark.

Please note that swaps fluctuate over time, subject to changing interest rates.

Additional Fees

Stocks and ETFs Investing Commission: Free for monthly turnover up to EUR 100,000 (after that 0.2% min.10 GBP).

Custody Fees (for investors): No custody fees up to 250,000 EUR. After that, 0.02% per annum, minimum £10.

Are XTB’s Fees Competitive?

To help you understand how much you’ll pay to trade each instrument, I calculated the cost of trade using the formula: spread rate x pip value + commission rate (swaps are not included).

I concluded that XTB’s universal trading account provides outstanding conditions for trading FX pairs, stocks, and indices. However, the costs of gold and crude oil were elevated during my testing.

Given my findings on the broker’s spreads and swaps, I concluded that XTB is a suitable choice for long-term stock and index trading. This favors swing and position traders.

XTB Non-Trading Fees

Inactivity Fee: After 12 months of inactivity and no cash deposits within the previous 90 days, XTB will start charging you a EUR 10 inactivity fee (or its equivalent in GBP or USD). The fee will be charged monthly until account activity resumes or your account balance drops to zero.

Deposit and Withdrawal Fees: Payments to and from the XTB accounts are free. However, third-party processing charges may apply.

Platforms and Tools

XTB xStation 5 Web

Availability & Features

The xStation 5 platform by XTB runs on all major browsers and supports multiple languages, including English, Spanish, German, Arabic, and Chinese.

Its primary features include:

• Price Alerts: Set alerts when an instrument hits a specific price — ideal for spotting trade entry opportunities.
• Customizable Watchlists: Keep tabs on your favorite instruments with ease.
• One-Click Trading: Enter trades instantly at market price — perfect for scalpers or fast-paced traders.
• Chart Trading: Place and manage orders directly from the chart, including entry points, volume, stop-loss, and take-profit levels.
• Depth of Market (DoM) Trading: For high-volume traders looking at multiple potential entry levels. You have to activate this option from the Settings panel.

Investment Plans

The xStation 5 also offers multiple investment and savings options. From the ‘Investment Plans’ tab, you can find a selection of real ETFs and assess which ones suit you best. You can measure their performance using multiple metrics, including a risk gauge and expected future returns.

Charting & Analysis Tools

Price action is represented in high definition and is easily scalable. The xStation 5’s charts are also detachable, meaning that you can open them in full-screen mode and examine price action in great detail. I really loved the wide screens, which allowed me to scale price action up or down as I wanted.

xStation 5 is also loaded with analytical tools, including:

• 38 built-in technical indicators: From trend-following to oscillators and volume-based tools. You can use these to spot price trends and ranges and to assess their strength. I used the Ichimoku Cloud and MACD indicators, and the first thing I noticed was that overlaying the two indicators on top of the price action enhanced it. This is the principal function of all indicators, though with more rugged platforms like MT4 or MT5, the same effect is often lost.
• 32 drawing tools: Including Fibonacci retracements, Elliott Waves, and more for technical pattern spotting. I use tools like Fibonacci retracement levels to identify major support and resistance levels within a price trend. I then use these as reference points for possible rebounds/reversals or breakouts/breakdowns, depending on the underlying trend.
• 9 timeframes: The xStation 5 offers one of the largest ranges of timeframes, which is great for multi-timeframe analysis. Typically, I use higher timeframes (above 4H) to determine the market’s general direction and smaller timeframes (below 1H) to spot viable entries within the broader trend.
• 5 chart types: Line, bar, and candlestick options let traders view price action in their preferred format. Personally, I prefer candlesticks because they provide a more comprehensive picture. For example, a bullish Marubozu candlestick may signify strong buying sentiment, whereas the formation of a shooting star candlestick may indicate a possible bearish reversal.

Another perk of xStation 5’s charts is that you can overlay the price of one asset on top of another and compare the two. This helps you spot cross-market correlations and possible trading opportunities.

Order Types

xStation 5 offers three execution modes and covers all the core order types most traders need:

• Market Orders: Instant execution at the best available price — ideal for quick entries.
• Limit Orders: Target a specific price level for entry, though execution isn’t guaranteed.
• Stop Orders: Protect open positions with predefined risk levels. Stop-loss orders automatically convert into market orders once triggered.

I really liked that the order-placing screen is loaded with useful information, such as the daily swaps, current spread rate (automatically calculated for the trader’s convenience), commission rate, pip value, margin rate, etc. With such full information disclosure, you are put in the best place to make informed trading decisions before placing an order.

XTB Mobile App

The XTB mobile app is a powerful all-in-one solution that runs on iOS and Android devices and offers most of the functionalities of the desktop version. This makes the XTB app a convenient tool for staying connected to the market and adjusting your positions while out of desk.

I counted 13 technical indicators, 10 drawing tools, 9 timeframes, and 4 chart types. You can also use the app to place market, limit, and stop orders, as well as to manage position sizes and trading risk directly.

I also discovered that the XTB app features advanced market analytics and sentiment gauges, as well as a variety of educational materials. For extra security, the app features two-factor authentication.

XTB Execution Model

XTB operates as a market maker without a dealing desk. It creates instant liquidity for its clients, ensuring fast and reliable execution. Essentially, client orders are filled by the broker who takes opposite positions. In other words, XTB sells against buying orders and buys against selling orders.

Tradable Instruments

XTB’s available number of FX pairs, commodities, stocks, indices, and ETFs all exceed the industry average.

What CFDs Can You Trade With XTB?

XTB Investing Products

Customer Support

Customer Support Channels

Customer Support Test

When we test a broker’s customer support, we evaluate the agent’s knowledge of their own website, the time it takes them to respond to questions, and the level of detail in their answers.

I reached out to XTB via live chat on 25 February 2026 at around 11:00 CET. An agent connected within a minute after I opened my ticket and was pretty responsive and eager to help. They answered my questions regarding the types of trading available with XTB, the features of the xStation 5 platform, and XTB’s execution model and speed.

Then, I contacted XTB’s support again on 26 February at around 09:00 CET and asked more complex questions, such as the difference between ETCs and regular commodities, as well as XTB’s fractional shares offering. Once again, their answers were swift and straight to the point.

Overall, XTB’s agents were pretty helpful and responded promptly to the questions of varying complexity. I also appreciated speaking to real humans and not generic chatbots.

Deposit and Withdrawal

Note: I did not deposit/withdraw real capital with XTB for the purposes of this review.

How Do You Deposit Money with XTB

How Do You Withdraw Money with XTB

Account Types and Terms

How to Open an Account With XTB

To set up my account with XTB, I followed these easy steps:

1. I clicked “Create Account” at the top-right corner.
2. I scanned the QR code and downloaded the XTB app.
3. I provided my email and chose an account password.
4. I confirmed my email address and verified my phone number.
5. I stated my date of birth and postcode.
6. I confirmed my nationality and personal ID number.
7. I elaborated on my financial background.
8. I agreed to XTB’s Terms and Conditions.
9. I had to upload proof of ID and proof of address to verify my account.

XTB Account Types

*Round-turn per one full contract

The Standard XTB account has no minimum deposit, so you can start with any sum you’d like. The account features 100% margin call and 50% stop-out levels, designed to reduce the risk of complete account wipeouts.

Professional Account

XTB offers experienced, high-volume traders the opportunity to access higher leverage (1:200) using a professional account. However, traders classified as professionals lose key retail protections, including negative balance protection. To qualify for a professional account, you must meet two out of the three criteria below:

1. You must have traded at least 10 lots per quarter over the four previous quarters.
2. Your portfolio, including cash deposits and financial instruments, must exceed EUR 500,000.
3. You must have worked in the financial sector for at least one year in a professional position.

Demo Accounts

XTB offers a demo account on xStation 5 that lets traders explore the platform and test their strategies in a risk-free environment. Since markets are constantly changing, it’s crucial to keep your skills sharp without risking real money. You can open a demo account before or alongside your live CFD account.

Swap-Free (Islamic) Accounts

XTB Limited (UK) does not provide Islamic accounts for swap-free trading. However, Islamic accounts are available with other entities of the broker.

What Leverage Does XTB Offer?

Under FCA regulation, the maximum retail leverage with XTB UK is 1:30. This means that if you put aside $1000 for trading and utilize the full 1:30 leverage, you would be able to open a position worth $30,000.

Note: Trading on margin with high leverage is extremely risky and may result in significant losses.

XTB Restricted Countries

XTB does not accept traders from Afghanistan, Yemen, South Sudan, the Democratic Republic of the Congo, North Korea, Syria, Haiti, Mali, Iran, Myanmar, or any other country or jurisdiction where trading is prohibited by law.

Research

Economic Calendar

xStation 5’s built-in economic calendar helps you track upcoming economic releases and financial statements, so that you can position yourself accordingly.

News Screener

xStation 5’s news screener displays financial news in focus that could impact the market. Most articles feature price charts, which are super convenient for traders who want to understand the direct market impact. Another strong point is the highlighted articles on the right side of the screener, underscoring the most impactful news of the day.

Stocks Scanner

XTB’s proprietary ‘Stocks scanner’ is a unique tool that I haven’t seen at other brokers. Available from the ‘Market analysis’ tab on the xStation 5 platform, this tool features multiple filtering options to find the stock/s that interest you.

You can sift through XTB’s massive selection of 8,500+ real stocks and ETFs based on country, industry, market cap, dividend yield, BETA, ROE, and others. There are basic filters for first-time investors as well as more advanced options for seasoned portfolio managers.

Heatmap

The Heatmap tool helps you understand the current strength of one currency against others. This is pretty useful for assessing which forex pairs show strong bullish or bearish momentum, and which are more muted.

Global Market Updates

I also watched several of XTB’s video market breakdowns, published on its YouTube channel. I consider these videos pretty handy because they let you to learn about current market trends on the go.

Education

Educational Articles

There are more than 50 articles currently available. They cover a wide range of topics: from how to use moving averages to “Why Trump Wants Greenland.” This type of content is great for traders who want to learn different aspects of the general trading experience.

eBooks

I was impressed by the 12 rich and insightful eBooks XTB has published on its website. They are nicely structured and cover different types of trading. You can learn about forex and commodity trading, as well as about specific trading aspects like where to place a protective stop-loss order. I especially liked the eBook on the Ichimoku Cloud indicator, which delves in depth into one specific technical indicator and its many functionalities.

Education on the xStation 5 Platform

You can also access all educational materials from the XTB’s website ot directly from the xStation 5 platform.

YouTube Videos

If you prefer video learning, there are more than 250 educational videos published on XTB’s YouTube channel. You’ll also find about 30 platform tutorials that introduce you to xStation 5 and its many uses.

The Bottom Line

XTB ranks among the most heavily regulated and feature-rich brokers with a particularly strong presence in the European trading scene. The broker was originally established in Poland in 2004, but has since then expanded its operations and obtained licenses from the FCA, CySEC, BaFin, and others.

XTB provides more than 11,100 trading and investing products across forex, commodities, real stocks and share CFDs, indices, ETFs and ETF CFDs. These are all available in xStation 5 – a powerful trading platform that features a clean design, advanced technical analysis, integrated market research, and learning.

Another highlight of XTB is its low fees across most major markets, except for commodities. I was also impressed by the broker’s extensive library of educational content and highly practical market research.

I found just a few drawbacks at XTB: it does not support copy or automated trading. The broker would better serve its clients by integrating popular third-party platforms such as MetaTrader or TradingView.

Overall, XTB is an excellent financial derivatives broker that caters to all types of traders and investors, and I consider it one of the best options for traders in Europe.