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. Client funds are held in segregated accounts at tier-1 banks and the broker operates under active financial-services licenses. Verify each license number on the regulator's official website before opening an account.
What is the minimum deposit at XTB?
The minimum deposit at XTB is $0 (no minimum). Most account types accept this minimum; premium tiers may require higher deposits — see the account-types table above.
What are the typical spreads at XTB?
Spreads at XTB start from 0.5 pips (Standard). Actual spreads vary by account type, instrument, time of day, and market volatility. Raw/ECN accounts add a per-lot commission on top of the tighter spread.
What trading platforms does XTB offer?
XTB supports: xStation 5, xStation Mobile, MT4. MT4 / MT5 are the industry standards; cTrader is preferred for ECN execution; proprietary platforms offer broker-specific tools but less third-party compatibility.
What is the maximum leverage at XTB?
Maximum leverage at XTB: Up to 1:30 (EU retail) / 1:500 (offshore). EU retail clients are capped at 1:30 by ESMA rules regardless of broker policy. Professional clients and offshore-entity clients can access higher leverage subject to qualification.
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.