XTB Review 2026
Established in 2002
•
Poland
• FCA Regulated
XTB is a well-established broker with a solid 4.4/5 rating. Regulated by FCA (highest protection tier), this broker offers spreads from 0.9 pips on EUR/USD with a minimum deposit of $0. Trade 5800+ instruments including forex, CFDs, and more.
📊 XTB Overview
XTB (XTB S.A.) is a well-established broker founded in 2002 headquartered in Warsaw, Poland. The broker operates under the supervision of FCA , one of the world's most respected financial regulators known for strict oversight and investor protection .
With access to 5800+ tradable instruments including 57 forex pairs , 49 cryptocurrencies , 3000 stocks , and various indices, XTB caters to diverse trading strategies.
| Legal Name | XTB S.A. |
|---|---|
| Founded | 2002 |
| Headquarters |
Warsaw, Poland
|
| Primary Regulation | FCA (Tier 1 - Highest Protection) |
| Publicly Traded | Yes (XTB.WA) |
| Instruments | 5800+ assets |
| Min Deposit | $0 |
| Max Leverage | 1:500 |
📖 XTB — In-Depth Introduction
Few brokers can match the 24-year legacy of XTB, a true industry pioneer that has weathered multiple market cycles. Operating under the stringent oversight of FCA, XTB adheres to the highest regulatory standards in the industry. This tier-1 regulation means clients benefit from robust investor protection, including segregated accounts, negative balance protection, and access to compensation schemes. With a $100 minimum deposit requirement, XTB removes barriers to entry for new traders.
Company Background
XTB (legally XTB S.A.) has been operating in the financial services industry for 24 years. Headquartered in Warsaw, Poland, the company has weathered multiple market cycles including the 2008 financial crisis and the 2020 pandemic volatility, demonstrating operational resilience.
As a publicly traded company (XTB.WA), XTB is subject to enhanced financial disclosure requirements, providing an additional layer of transparency.
The broker provides access to 5800+ tradable instruments.
💸 XTB Fees — Complete Cost Analysis
Trading costs at XTB are reasonable, with 0.9 pip spreads on EUR/USD representing fair value in the current market. There are no commission fees on XTB's standard accounts. All trading costs are embedded in the spread, making it straightforward to calculate your expenses. Consider this cost analysis: with 0.9 pip spreads, each standard lot trade on EUR/USD costs $9 in spread. An average retail trader making 50 trades monthly would spend approximately $450 on spreads.
Trading Costs Breakdown
💡 Cost Calculator: XTB
Non-Trading Fees
| Fee Type | XTB | Industry Average |
|---|---|---|
| Deposit Fee | Free | Free - $25 |
| Withdrawal Fee | Varies by method | $0 - $50 |
| Inactivity Fee | None | $10-50/month |
Want to compare fees with other brokers?
⚖️ Compare🛡️ Is XTB Safe? — Complete Security Analysis
Safety and fund security are paramount when choosing a broker, and XTB excels in this area with a Trust Score of 92/100. This rating reflects strong regulatory compliance, robust fund protection measures, and a clean operational history. Client funds at XTB are held in segregated accounts at top-tier banks, completely separate from the company's operational funds. This means even in the unlikely event of broker insolvency, your money remains protected and inaccessible to creditors.
Regulatory Framework
XTB is regulated by FCA.
Security Features Checklist
Understanding the Trust Score
Our 92/100 Trust Score is calculated using 15+ safety factors including regulation, company history, financial transparency, and client fund protection.
📋 Methodology👤 Who Should Use XTB?
✅ Best For
- Beginners will appreciate XTB's low $100 minimum deposit, free demo account, and educational resources. The learning curve is manageable, making it suitable for those just starting their trading journey.
- Muslim traders can benefit from XTB's swap-free Islamic accounts, which comply with Sharia principles. No interest is charged on overnight positions.
- Professional traders will appreciate XTB's institutional-grade features: tight spreads, advanced platforms, API access, and high leverage options (where permitted).
❌ May Not Suit
- Those seeking the absolute lowest trading costs.
Looking for alternatives?
📝 The Bottom Line on XTB
XTB is a solid choice for most traders looking for reliability with a 4.4/5 rating.
📈 XTB Detailed Scores
Our expert team evaluates brokers across 8 key categories. Here's how XTB performed in our rigorous testing:
XTB offers a solid trading experience with competitive conditions.
💰 XTB Fees & Spreads
Understanding trading costs is crucial for profitability. XTB uses a Variable spread model with no commission on standard accounts. The average EUR/USD spread is 0.9 pips — competitive compared to industry average.
📊 Typical Spreads
| Pair | Min | Average |
|---|---|---|
| EUR/USD | 0.1 | 0.9 pips |
| GBP/USD | 0.8 | 1.2 pips |
| USD/JPY | 0.6 | 1.0 pips |
| XAU/USD | 15 | 25 cents |
💳 Other Fees
| Commission (ECN) | No commission |
| Deposit Fee | Free |
| Withdrawal Fee | Free (method dependent) |
| Inactivity Fee | None |
| Swap-Free (Islamic) | ✓ Available |
💡 Trading Cost Example
Trading 1 standard lot (100,000 units) of EUR/USD with XTB:
- Spread Cost: 0.9 pips × $10/pip = $9.0
- Commission: $0
- Total Cost: $9.0 per lot
🛡️ XTB Regulation & Safety
XTB is regulated by FCA, a Tier 1 - Highest Protection regulatory authority. This means the broker must adhere to the strictest financial regulations, including capital requirements, regular audits, and mandatory investor protection schemes.
📜 Regulatory Licenses
- FCA 522157
- KNF
- CySEC 169/12
- IFSC 60/413/TS/19
🔒 Safety Features
- ✓ Segregated Client Funds
- ✓ Negative Balance Protection
- ✗ Investor Compensation
- ✓ Publicly Traded (XTB.WA)
🎯 Trust Score: 92/100
High Trust: XTB has demonstrated excellent regulatory compliance and safety standards.
🖥️ XTB Trading Platforms
XTB offers 3 trading platforms, giving traders flexibility in how they access the markets. Mobile apps are also available for iOS and Android.
MetaTrader 4
The world's most popular forex platform. Ideal for beginners and algo traders with Expert Advisor support.
- ✓ Expert Advisors (EAs)
- ✓ Custom Indicators
- ✓ One-Click Trading
- ✓ Mobile & Desktop
xStation 5
XTB's custom-built trading platform designed specifically for their clients.
- ✓ Custom Features
- ✓ Integrated Tools
- ✓ Web-Based
- ✓ Mobile App
📋 Platform Comparison
| Feature | MT4 | MT5 | cTrader | xStation 5 |
|---|---|---|---|---|
| Available | ✓ | ✗ | ✗ | ✓ |
| Copy Trading | ✗ | ✗ | ✗ | ✗ |
| Algo Trading | ✓ | ✗ | ✗ | ✗ |
| VPS Available | Not offered | |||
| API Access | Not available | |||
🌐 XTB Tradable Instruments
XTB offers access to 5800+ tradable instruments across multiple asset classes. This includes 57 forex pairs , 49 cryptocurrencies , and 3000 global stocks.
👤 XTB Account Types
XTB offers various account types to suit different trading needs and experience levels. Demo accounts are available for practice. Swap-free Islamic accounts are also available for Muslim traders.
Practice with virtual funds
Compliant with Sharia law
Not available
Not available
Not available
💳 XTB Deposits & Withdrawals
XTB requires a minimum deposit of $0 — one of the most accessible in the industry.
📥 Deposit Methods
- 💳Credit/Debit Cards
- 🏦Bank Wire Transfer
- 📱E-Wallets (Skrill, Neteller)
📤 Withdrawal Methods
- 💳Credit/Debit Cards
- 🏦Bank Wire Transfer
- 📱E-Wallets
⚖️ XTB Pros & Cons
✅ Pros
- Competitive spreads with average 0.9 pips on EUR/USD
- Top-tier FCA regulation ensures high safety standards
- Free demo account available for practice
- Negative balance protection for retail traders
- Swap-free Islamic accounts available
❌ Cons
- No copy trading feature
- Limited educational resources for advanced traders
📚 XTB Education & Research
XTB's educational offerings are limited compared to some competitors.
Limited
Not available
Basic coverage
Available on trading platforms
🎧 XTB Customer Support
XTB offers customer support to assist traders with their queries.
⭐ XTB User Reviews
📝 User reviews will be displayed here. Share your experience with XTB!
Write a Review🏆 XTB — Our Verdict
XTB is a solid choice for most traders. With FCA regulation, 0.9 pips EUR/USD spreads, and a $0 minimum deposit, this broker is particularly accessible for beginners .
Best for: Safety-focused traders , Beginners with limited capital
⚠️ Risk Warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74-89% of retail investor accounts lose money when trading CFDs with this provider. Consider whether you understand how CFDs work and whether you can afford the high risk of losing your money.
❓ XTB — Frequently Asked Questions
Is XTB a safe and regulated broker?
Yes, XTB is regulated by FCA, which is a Tier 1 - Highest Protection regulatory authority. The broker also holds licenses from 3 additional regulators. Client funds are kept in segregated accounts with negative balance protection.
What is the minimum deposit at XTB?
The minimum deposit at XTB is $0. This means you can start with any amount. This is considered low and accessible for beginners.
What trading platforms does XTB offer?
XTB offers the following trading platforms:
- MetaTrader 4 (MT4) — The most popular forex trading platform
- xStation 5 — Custom-built trading solution
- Web Platform — Trade directly from your browser
- Mobile Apps — Available for iOS and Android
What are XTB's spreads on EUR/USD?
XTB offers EUR/USD spreads from 0.1 pips with an average of 0.9 pips. The broker uses Variable spreads.
How long do withdrawals take at XTB?
Withdrawal processing times at XTB depend on the payment method:
- E-wallets: 0-24 hours
- Credit/Debit Cards: 2-5 business days
- Bank Transfers: 3-7 business days
Does XTB offer a demo account?
Yes, XTB offers free demo accounts with virtual funds so you can practice trading without risking real money. This is an excellent way to test the platform and develop your trading strategy.
What is XTB's maximum leverage?
XTB offers maximum leverage of 1:500. However, note that leverage limits vary by region due to regulatory requirements:
- EU/UK/Australia: Up to 1:30 for major forex pairs (retail)
- Professional traders: Higher leverage may be available upon qualification
- Other jurisdictions: Leverage up to 1:500 may be available
Higher leverage increases both potential profits and potential losses.
Can I use XTB in ?
XTB accepts traders from . The broker operates under FCA regulation. Always verify current availability and applicable regulations on the broker's website.
Does XTB offer Islamic (swap-free) accounts?
Yes, XTB offers Islamic (swap-free) accounts that comply with Sharia law. These accounts do not incur swap charges for positions held overnight. Contact XTB's support to request an Islamic account.
What instruments can I trade with XTB?
XTB offers access to 5800+ tradable instruments:
- 57 Forex currency pairs
- 49 Cryptocurrencies
- 3000 Stock CFDs
- 36 Index CFDs
- 22 Commodities
