Regulators
FCA, CySEC, KNF Poland, DFSA, BaFin, IFSC Belize
Min. deposit
$0 (no minimum)
Spread from
0.5 pips (Standard)
Max. leverage
Up to 1:30 (EU retail) / 1:500 (offshore)
Platforms
xStation 5, xStation Mobile, MT4
Founded
2002 · Warsaw, Poland
XTB review summary
XTB is a Polish broker founded in 2002 with headquarters in Warsaw and additional regulated entities across the UK (FCA), Cyprus (CySEC), Germany (BaFin), UAE (DFSA), and Belize. It is publicly listed on the Warsaw Stock Exchange under ticker XTB, with a market cap of over $1 billion — making it one of the largest publicly-listed retail brokers in Europe.
XTB’s standout feature is its xStation 5 proprietary platform, which has won multiple industry awards (consistently rated above MT4 by Polish, German, and UK trader surveys). It’s web + mobile-native, with sophisticated charting, news integration, performance analytics, and a heatmap visualisation that competitors don’t replicate.
Beyond CFDs, XTB offers commission-free real stock and ETF trading up to €100,000 turnover per month — a unique offering among CFD-focused brokers, and a real differentiator for traders who hold long-term equity positions alongside CFD trading.
Account types
| Account | Min. deposit | Spreads | Commission (CFD) | Commission (real stocks) |
|---|
| Standard | $0 | From 0.5 pips | None | 0% up to €100K/month, then 0.2% |
| Pro | Qualifying | From 0.5 pips | None | Same |
Regulation
- XTB SA — KNF Poland (primary entity, EU)
- XTB Limited — FCA 522157 (UK)
- XTB Limited — CySEC 169/12 (EU passporting)
- XTB MENA Limited — DFSA F003484 (UAE)
- DM XTB — BaFin (Germany)
- XTB International Limited — IFSC Belize
Bottom line
XTB scores 4.6/5. The strongest all-around EU broker for traders who want CFDs + real stocks + a best-in-class proprietary platform. The combination of Warsaw Stock Exchange listing, multi-jurisdictional regulation, and commission-free real equities is genuinely hard to beat.
XTB — Frequently Asked Questions
Is XTB regulated and safe?
XTB is regulated by FCA, CySEC, KNF Poland, DFSA, BaFin, IFSC Belize, holds client funds in segregated accounts and operates under active financial-services licenses. Verify each license number on the regulator's official website before depositing.
Is XTB legit or a scam?
XTB is a legitimate, regulated broker — not a scam. It operates under oversight from FCA, CySEC, KNF Poland, which require segregated client funds and regular audits. Always confirm the specific entity and license that will hold your account, and avoid clone sites using a similar name.
What is the minimum deposit at XTB?
The minimum deposit at XTB is $0 (no minimum). Standard accounts accept this minimum; premium or professional tiers may require more.
How do I withdraw money from XTB?
Withdrawals from XTB are returned to your original funding method — card, bank transfer, e-wallet or crypto, depending on how you deposited. E-wallets and crypto are usually fastest; bank transfers take longest. Processing times and limits are set by XTB, so check its funding page for current details.
What fees and commissions does XTB charge?
XTB's main cost is the spread, starting from 0.5 pips (Standard). Raw/ECN accounts add a per-lot commission in exchange for a tighter spread. Also factor in overnight swap fees and any inactivity fee. Compare the all-in cost (spread + commission), not just the headline spread.
What are the typical spreads at XTB?
Spreads at XTB start from 0.5 pips (Standard), varying by account type, instrument, time of day and market volatility. Raw/ECN accounts add a commission on top of the tighter spread.
What account types does XTB offer?
XTB typically offers a standard (commission-free, slightly wider spread) account and a raw/ECN (tight spread plus commission) account, with a swap-free Islamic option where available. The minimum to open is $0 (no minimum), and platforms include xStation 5, xStation Mobile, MT4.
What trading platforms does XTB offer?
XTB supports: xStation 5, xStation Mobile, MT4. MT4/MT5 are the industry standards; cTrader suits ECN execution; proprietary platforms add broker-specific tools but less third-party compatibility.
What is the maximum leverage at XTB?
Maximum leverage at XTB is Up to 1:30 (EU retail) / 1:500 (offshore). EU/UK retail clients are capped at 1:30 on major FX by ESMA rules regardless of broker policy; professional and offshore-entity clients can access higher leverage subject to qualification.
Does XTB offer a demo account?
Yes — XTB offers a free demo account with virtual funds, so you can test the platform and practise a strategy on live prices before depositing real money.
Who is XTB best suited for?
EU traders wanting an LSE-listed, multi-regulated broker with the best proprietary platform in retail and a strong stock-trading complement.
