XTB review 2026

Our review is based on broker disclosures, regulatory records, platform research and available user information checked on 26 August 2026.

Is XTB regulated?

The broker operates through multiple legal entities. The regulator and protections applying to an account depend on which entity accepts the client, not simply on the broker brand displayed.

XTB holds tier-one authorisations from FCA and CySEC. That matters more than any headline spread: it determines your leverage cap, whether losses can exceed your deposit, and what happens to your money if the firm fails.

It also operates an offshore entity (FSC). Which one you are onboarded to depends on where you live, and the two carry very different protections - worth confirming before you deposit.

The FCA caps retail leverage at 1:30, mandates negative balance protection, and covers eligible clients under the Financial Services Compensation Scheme.

CySEC licences passport across the EU and follow the 1:30 retail leverage cap, with the Investor Compensation Fund covering eligible claims.

The DFSA regulates from the Dubai International Financial Centre, a separate legal jurisdiction from the wider UAE.

How safe is XTB?

Client money is held separately from the firm's own money, at Regulated banking institutions. That separation is what makes your balance recoverable if the company fails, rather than part of the pool its creditors divide up.

Negative balance protection applies, so a losing position cannot take the account below zero and leave you owing the broker money.

Covered by Applicable statutory schemes by entity, including FSCS up to £85,000 for eligible UK clients, which pays eligible clients up to its limit if the firm fails owing client money.

Licence information last checked 26 August 2026

XTB trading conditions

Trading conditions vary by account, platform, legal entity and client classification. The figures below reflect the latest information available to 88 Forex Brokers and should be confirmed before trading.

Spreads and commissions

XTB advertises spreads from 0.5 pips on Standard. The stated commission is $0, Standard. Typical or live pricing may be higher than the advertised minimum, particularly outside liquid trading hours or during volatile markets.

Spreads from 0.5 pips suggest an all-in account, where the broker's fee is built into the price rather than charged separately. There is usually no commission on top, which makes the cost easier to predict.

Quoted spreads are best-case figures on the most liquid pair, in normal conditions. What you actually pay widens around news and at the session open.

XTB lists a minimum deposit of $0. Treat it as the cost of opening an account, not the cost of trading one - position sizing on a small balance is what tends to cause damage.

Spread type

Variable

EUR/USD average spread

Approx. 0.8 pips

GBP/USD average spread

Approx. 1.0 pips

Commission

$0, Standard

All-in cost, EUR/USD

Approx. 0.8 pips

Leverage and margin

Maximum leverage is reported as 1:500, although the available limit depends on the account entity, instrument, client classification and local rules. Higher leverage increases both potential gains and losses and can lead to rapid account depletion.

Execution model

XTB describes its execution model as Market maker / principal for CFDs. The available information indicates an average execution speed of Approx. 85ms, order types of Market, limit, stop, stop-loss, take-profit, trailing stop and servers in European and global financial data-centre infrastructure. Execution labels are not standardised across the industry, so review the order-execution policy and conflict disclosures rather than relying on a single term.

Trading rules

Expert advisers

No native EA support on current xStation platform

Copy trading

No

Negative balance protection

Yes

Scalping, Hedging, Stop-out level and Guaranteed stop loss: the broker does not publish enough information for us to confirm this trading condition.

XTB account types

XTB offers 4 reported account types. Compare the minimum deposit, spread model, commission, platform and eligibility before choosing an account.

XTB runs 4 account types. More choice is not automatically better: the tightest headline spread almost always sits on the account that also charges a commission, so the comparison that matters is the two added together.

Base currencies: USD, EUR, GBP, additional currencies depending on entity. Holding the account in the currency you fund it with avoids a conversion charge on every deposit and withdrawal - a cost that never shows up in a spread comparison.

The smallest position is 0.01 lots. For anyone starting carefully this matters more than the minimum deposit, because it sets the least you can put at risk on a single trade.

A demo account is available. Worth using for the platform rather than the results: fills are simulated, so it tells you how the software behaves but very little about execution.

StandardSwap-Free/IslamicProfessionalDemo

Minimum deposit

$0

Spreads from

0.5 pips

Commission

$0, Standard

Maximum leverage

1:500

Platforms

Proprietary platform

Base currencies

USD, EUR, GBP, additional currencies depending on entity

Available markets

Forex, Commodities, Indices, Shares, ETFs, Cryptocurrency CFDs

Minimum trade size

0.01 lots

Account opening time

Typically a few minutes

Demo account

A demo account is reported as available for testing the platform and practising with virtual funds. Demo pricing and execution may not match live conditions.

Islamic account

An Islamic or swap-free option is reported as available. Alternative charges, holding limits or eligibility conditions may apply.

XTB fees and trading costs

The total cost of trading can include spreads, commissions, overnight financing, currency conversion, deposit or withdrawal charges and inactivity fees.

Advertised spreads start from 0.5 pips, but typical pricing may be higher.

The reported trading commission is $0, Standard.

Overnight financing applies to eligible positions at rates that can change.

The broker reports none internally; payment-provider fees may apply for deposits.

The broker reports entity-dependent; generally free, but international account charges can apply to smaller withdrawals/e-wallets for withdrawals.

An inactivity fee of €10/month applies after 12 months without trading and 90 days without a deposit.

A currency-conversion charge of 0.5% may apply.

Spreads from

0.5 pips

Commission

$0, Standard

Overnight financing

Both: overnight financing may be charged or credited

Deposit fee

None internally; payment-provider fees may apply

Withdrawal fee

Entity-dependent; generally free, but international account charges can apply to smaller withdrawals/e-wallets

Inactivity fee

€10/month after 12 months without trading and 90 days without a deposit

Currency conversion

0.5%

Fees can change and may differ by entity, platform, account or payment method. Confirm the full schedule before opening or funding an account.

Trading platforms and apps

XTB supports Proprietary platform. Availability can differ by account and legal entity.

XTB offers xStation 5, XTB mobile app. A proprietary platform can be excellent, but it means your setup does not transfer if you later change broker.

Proprietary platform

Proprietary platform

Yes, xStation

Web platform

Yes

Mobile app

Proprietary

Charting

30+ technical indicators

Third-party tools

TradingView-powered charting/tools and external market-data integrations

Server locations

European and global financial data-centre infrastructure

The platform range is broad. Its main advantage is support for Proprietary platform; the principal limitation is the absence of MetaTrader 4 and MetaTrader 5.

Markets available through XTB

The broker reports access to 11,900+ instruments across forex, commodities, indices, shares, eTFs and cryptocurrency CFDs. Product availability depends on the account entity and platform.

Leverage up to 1:500 is available on this entity. High leverage does not increase your expected return - it increases position size for the same deposit, and shortens the move needed to close you out.

The product range is strongest for forex, commodities and indices. Traders seeking metals may need another broker.

ForexCommoditiesIndicesSharesETFsCryptocurrency CFDs

Markets, as published

Forex, Stocks, ETFs, Indices, Commodities, Cryptocurrencies

Total instruments

11,900+

Currency pairs

50+

Cryptocurrency CFDs

Yes, jurisdiction-dependent

CFDs do not provide ownership of the underlying asset. Product terms, leverage and trading hours vary by market.

Deposits and withdrawals

Available funding methods include Bank transfer, credit/debit card, Neteller, Skrill/Paysafe and regional payment methods. Processing times, limits, fees and availability vary by country, currency and account entity.

Withdrawals are stated at Typically 1-3 working days, against Cards/e-wallets generally instant; bank transfer typically 1-3 business days for deposits. A gap between the two is normal and not in itself a warning sign - identity checks are a legal obligation, not obstruction. What is worth noticing is a withdrawal that keeps meeting new conditions after those checks are done.

Withdrawal routes: bank transfer, card, skrill, neteller and supported regional methods. Money is usually returned by the route it arrived on, so the deposit method you pick is in effect the withdrawal method you are picking too.

The minimum withdrawal is $0 generally; international entity charges $30 below $50 - relevant if you intend to fund the account lightly, since it sets the smallest amount you can take out at a time.

Identity, payment ownership and source-of-funds checks may be required before a withdrawal is processed.

Deposit methods

Bank transfer, credit/debit card, Neteller, Skrill/Paysafe and regional payment methods

Withdrawal methods

Bank transfer, card, Skrill, Neteller and supported regional methods

Deposit time

Cards/e-wallets generally instant; bank transfer typically 1-3 business days

Withdrawal time

Typically 1-3 working days

Deposit fee

None internally; payment-provider fees may apply

Withdrawal fee

Entity-dependent; generally free, but international account charges can apply to smaller withdrawals/e-wallets

Minimum withdrawal

$0 generally; international entity charges $30 below $50

Local payment methods

Country-specific bank transfers, cards and electronic payment systems

View withdrawal complaints about XTB

Use a payment method held in your own name. The broker may reject third-party payments or require withdrawals to follow the original funding route.

Customer support

XTB provides support through Live chat, email, phone during 24/5. Supported languages include 18 languages.

Support runs 24/5. Round-the-clock cover matters more than it sounds: a position held over a weekend or through an unexpected halt is exactly when you need somebody to answer.

Reachable by live chat, email, phone. A published telephone number is the one channel that is hard to fake and hard to ignore, so whether there is one says more than the number of channels does.

Languages: 18 languages. Being able to raise a complaint in your own language is worth more than it appears, because complaints are where precision matters most.

Education: extensive: investing courses, educational articles, videos, platform tutorials and trading education. Treat broker-published material as an introduction rather than as advice - it is produced by a firm whose revenue rises when you trade more.

Support channels

Live chat, email, phone

Support hours

24/5

Languages

18 languages

Telephone

+44 20 3695 3085

Email

ukservice@xtb.co.uk

Live chat response

Typically under 2 minutes

Research and market analysis

Extensive: market analysis, news, stock/ETF research, technical analysis, market sentiment and analytical tools

Education

Extensive: investing courses, educational articles, videos, platform tutorials and trading education

Is XTB a good broker?

Your decision should reflect your country, experience, preferred platform, trading costs and tolerance for financial and counterparty risk.

XTB is best considered by

• Traders who want a tier-one licence behind the account
• Traders who want a small first deposit
• Traders who want high leverage

Consider another broker if

• You require copy trading
• You require MetaTrader

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